vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital one open XXXX account in my name.one account XXXX XXXX done by fraud another account XXXX  done by excessive interest and fees XXXX accounts affected my credit score .I have informed all third parties entities of the XXXX privacy rules clear and conspicuous notice of the financial institutions information sharing policies and practices. The privacy notice must be provided when a customer relationship is established.Providing customer the right to opt out of having their nonpublic personal information shared with non affiliated third parties. Capital one bank must process opt-out notices within 30 days or refrain from disclosing account numbers or similar forms of access codes to any non affiliated third parties for marketing purposes..15 USC 6809 ( 4 ) 15 USC 6809 Ive asked for the consent form and have been ignoredXXXX XXXX, XXXX are non-affiliated third parties entities. Im asking CFPB to enforce these laws under the Gramm-Leach-Bliley Act with authority.6809 ( 9 ) 17 CFR 248.124 15USC 6802 ( d ) capital one is committing identity theft by not obey these rules? no notices no reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
To your company I have sent in disputes for these account reporting on my consumer report. The accounts still have inaccuracies in the date of last activity. I have asked to have them deleted for violating the FCRA, BUT THIS DID NOT HAPPEN. ( I am now requesting THE METHOD OF VERIFICATION USED FOR EACH ACCOUNT LISTED IN THIS DISPUTE. ) IF YOU CAN NOT GIVE ME THE METHOD OF VERIFICATION WITHIN THE 15 DAYS ALLOWED, YOU WILL DELETE EACH ACCOUNT LISTED MANDATED UNDER THE FCRA IMMEDIATELY. YOU HAVE 15 DAYS TO DELETE THESE ACCOUNTS OR I WILL BE IMMEDIATELY SEEKING LEGAL REMEDY FOR DAMAGES UNDER THE FCRA. DELETE ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- To your company I have sent in disputes for these account reporting on my consumer report. The accounts still have inaccuracies in the payment history I have asked to have them updated to paid as agreed, paid on time, never late. This did not happen. ( I am now requesting THE METHOD OF VERIFICATION USED FOR EACH ACCOUNT LISTED IN THIS DISPUTE. ) IF YOU CAN NOT GIVE ME THE METHOD OF VERIFICATION WITHIN THE 15 DAYS ALLOWED, YOU WILL UPDATE EACH ACCOUNT LISTED TO PAID ON TIME, PAID AS AGREED, NEVER LATE. YOU HAVE 15 DAYS TO UPDATE THE PAYMENT HISTORY OR I WILL BE IMMEDIATELY SEEKING LEGAL REMEDY FOR DAMAGES UNDER THE FCRA. UPDATE : ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX  as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES number : XXXX XXXX  number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Attn : General Counsel. please review attached documents below. I am sending this letter in to request payment for arbitration filing fees with the XXXX and the fee is {$220.00}. I have attempted multiple times to resolve the issues I'm having regarding the XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX 's on my consumer report. My consumer rights are being violated or have been violated by the reports. I'm seeking deletion of both accounts from my consumer report and also, monetary relief for the many consumer rights violations, financial hardship, damage, and emotional stress caused. My invoice will be attached to this letter showing the full amount I'm seeking to resolve this issue. I will also be sending this in certified mail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: IA

Complaint narrative:
Filing another complaint as XXXX XXXX  has again tried to collect on this debt by multiple collection agencies Collection agency this time is ic systems llc I have told ic system that XXXX XXXX  keeps trying to collect on a debt that has been paid when i had my account with XXXX XXXX before porting it over to XXXX I have shared below from the orginal complaint id # XXXX which was submitted on XXXX on cfpb On XX/XX/XXXX i got a alert from transunion that XXXX XX/XX/XXXX receivables performance had hit my XXXX credit report saying i owed a debt which i dont, and in fact that never sent me any letter stating i owed this debt before even reporting it to the credit bureaus So on XX/XX/XXXX i called receivable performance up to even find out what it was about and they had said it was a u. Paid bill from XXXX XXXX, Which i ported my phone number over to XXXX in XXXX of XXXX which my bill i had paid on XX/XX/XXXX, And i stated that in order to port ur number over all bills had to be paid current, so after getting off the phone with them swung into us cell store at XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX United States At around XXXX on XX/XX/XXXX and sat down with a assiocate to figure everything out and i asked him in order to port ur number the account had to paid off and he said yes, so i showed him what was on my credit and hes like hmmm so another gentelmen who was XXXX came over and said we will have to have u call a associate so they sat me at a desk on the far right of their store after talking to this lady over the phone she said it was for a bill from XXXX XXXX i said how is there a bill from then i was with XXXX then the lady said hmmm hold on ( as she was stumped ) so she had to get with someone in the manager department at XXXX XXXX corporate then she came back on phone and said i would have to call receivable performance at a number and i said i have got off the phone with them at XXXX XX/XX/XXXX, All bills was paid on this account and us cell is making up a bill and illegally trying to get me to pay for a XXXX XXXX bill in which i was with XXXX XXXX in XXXX of XXXX XXXX XXXX XXXX  and XXXX XXXX are doing illegal bussiness tatics as XXXX XXXX violated the The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq, by not sending a letter to even try to valadate or dispute the bill in question

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Errors involving unauthorized inquiries, as per 15 USC 1681c-2, are present on my credit report. I request the removal of all unauthorized hard inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
While examining my credit report, I came across several billing errors. The reported late payments do not align with my regular payment history. Kindly correct these mistakes and update my account. Thanks!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: Mountain Land Collections, Inc.
State: UT

Complaint narrative:
Mountain Land Collections is trying to collect a debt from me for a company called XXXX XXXX XXXX XXXX in the amount of {$1900.00} with an interest amount of {$28.00} to total {$1900.00}, this is claimed to be owed as of XX/XX/year>2024. 

The company is claiming a debt that I owe that is from dates that I did not have medical billing from at that time. I did have medical procedures done around that time but not in that amount. The place that I had my procedure done is a completely different name and company and they would have sent me a bill to my home address and not through an email. 

The company Mountain Land Collections has emailed me with this claim and I have emailed them back disputing the claim and asking for information about the original billing company and proof that the debt belongs to me. I have yet to get a response from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I sent in my fraud affidavit to XXXX, Equifax, and XXXX informing them that I have been the victim of identity theft and the accounts that I listed in my affidavit wasn't mine and I never open the accounts. They sent a letter back stating they did a reasonable investigation, and I didn't believe that to be true that why I'm escalating the request to get a more thorough investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I sent in my fraud affidavit to Experian, XXXX, and XXXX informing them that I have been the victim of identity theft and the accounts that I listed in my affidavit wasn't mine and I never open the accounts. They sent a letter back stating they did a reasonable investigation, and I didn't believe that to be true that why I'm escalating the request to get a more thorough investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
Called in on two different lines after being hung up on the call around XXXX and both calls I placed have me waiting. Over XXXX minutes and another says less than XXXX minutes just to talk to someone. This is not acceptable. 

Called back around XXXXXXXX XXXX on another phone and at around XXXX on the other. The XXXX call someone also hung up on.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Ive found some inaccuracies in my credit report regarding billing. The listed late payments are inconsistent with my normal payment patterns. Please correct these errors and update my account. Thanks!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Need to submit ID & utility bill because my address updated & my account for Equifax online says XXXX because need to submit my proof of address

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am frustrated with the repeated delays in addressing accounts on my credit report that are both in pending litigation and inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I am writing to formally address my concerns regarding a fraudulent transaction that occurred on XX/XX/year>, in the amount of {$63.00}. Despite my repeated efforts to dispute this charge through multiple phone calls and three formal disputes, all of which were denied, I am being held accountable for a transaction I did not make. 

This situation has caused me significant frustration and disappointment as a loyal PNC Bank customer for the past XXXX years. I feel compelled to highlight that per your stated policy, customers are assured of XXXX liability if your PNC Bank Debit Card is used fraudulently. However, PNC Bank has failed to uphold this standard in my case. 

I have consistently maintained that this {$63.00} transaction is fraudulent and was not authorized or conducted by me. Yet, PNC has not provided adequate support to resolve this matter. Furthermore, I was denied the opportunity to speak directly with the dispute worker, leaving me without a clear explanation or path to resolution. 

PNC Banks handling of this matter contradicts the security features and protections that customers rely upon when entrusting your institution with their finances. This experience has left me feeling disrespected and disheartened, as I have never before been treated as a liar or had my integrity questioned in such a manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
TransUnion failure to block or delete fraudulent XXXX XXXX, and XXXX did provide FTC Report XXXX Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation