vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-23 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: FL

Complaint narrative:
" I obtained a copy of my consumer report and notified these agencies multiple times, specifically on XX/XX/year> and XX/XX/year>, about the items I disputed. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me, the consumer, as required by the Fair Credit Reporting Act. I sent my notice to these agencies, which included a FTC Identity Theft Report, A FTC Affidavit and I also filed a complaint with the CFPB. Along with this letter, I have also included an Affidavit of Truth to further substantiate my claim. 

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record! 

This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my credit rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to violate me so I dont know what else to do besides suing your agency at this point. 

I have suffered emotional distress as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done

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 2024-07-23 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: MI

Complaint narrative:
I am a victim of XX/XX/XXXXof Debt bondage and would like for all listed accounts to be blocked and removed from my credit : XXXX {$330.00} XXXX remove acct XX/XX/XXXX {$1400.00} XXXX remove acct XX/XX/XXXX{$1200.00} XXXX remove acct XX/XX/XXXXXXXX remove inquiry XXXX XXXX remove inquiry XXXX XXXX XXXX remove inquiry XXXX XXXX remove inquiry

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 2024-07-23 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: CO

Complaint narrative:
Account was paid. XXXX is saying account was never late. I have email from them. Credit collection company wont do anything as they are saying the account is closed so its not their repsponsiblity. 

XXXX can't do anything as they are not showing the account was ever late. 


CREDIT CONTROL SERVICE Original creditor : XXXX XXXX XXXX XXXX XXXX Balance details Paid off - Balance - Balance updated - Original balance {$550.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Paid, Closed. 
Status updated XX/XX/XXXX Payment summary XXXX XXXX - XXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Comments Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) Your statement **CONSUMER STATEMENT** ACCOUNT WAS PAID BEFORE BEING TURNED OVER TO A COLLECTION AGENCY. 

Contact info Name CREDIT CONTROL SERVICE Address XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by 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 non-monetary relief
Consumer complaint received 2024-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
The portfolio recovery sued me on unrecognized debt. I believe on debt under {$1000.00} but not on {$6500.00}. There is unjust judgment against me. I asked for documents but no one delivered it to me. Debts were disputed but as I said debt is not accurate. No one hear my voice. I am in an emergency situation and I need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I received an Amex XXXXt Card. This includes an email You have received an American Express XXXX Card from XXXX. And on there I clicked the link to validate and print the card, which loads on XXXX XXXX XXXXamexXXXX XXXX XXXXaccount and shows a balance. I attempt to use this on XXXX ( using {$1.00} less than the face value of the card ). And the transaction is declined. I then tried again with various other amounts less than the full face value. 

Many people have reported having this problem starting this past year.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

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 2024-07-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
on XX/XX/XXXX there was an credit account opened using my personal information. the name of the credit account is XX/XX/XXXX, account number # XXXX. date opened of the account was XX/XX/XXXX. the date the account was closed XX/XX/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 2024-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
" The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. ''

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 2024-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
" The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-23 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: FL

Complaint narrative:
I am writing to follow up on a previous dispute regarding the inaccurate account information on my credit report that was not properly investigated and removed in violation of the Fair Credit Reporting Act ( 15 USC 611 ). Account Information : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/XXXX I previously submitted a dispute ( XXXX XXXX ) to your agency regarding the above-referenced account, providing evidence that the information is inaccurate and requesting its removal from my credit report. However, I am disappointed to learn that your investigation did not result in the removal of this inaccurate account. Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. It is concerning that despite providing evidence of the inaccuracies, the disputed account remains on my credit report. I am requesting that you conduct a thorough re-investigation into this matter and take the necessary steps to correct the inaccuracies in accordance with the law. Please provide me with a written explanation of the results of your re-investigation and actions taken to rectify the inaccuracies. Summary of Discrepancies : XXXX. High Balance : XXXX reports {$0.00}, while TransUnion and XXXX report {$680.00}. XXXX. XXXX. Last Verified : Only TransUnion reports a date ( XX/XX/XXXX ). Date of Last Activity : Differing dates : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ). XXXX. Date Opened : Different dates : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX and XXXX ). XXXX. XXXX XXXX : XXXX reports {$10.00}, while TransUnion and XXXX report {$0.00}. XXXX. XXXX. Closed Date : Only TransUnion reports a date ( XX/XX/XXXX ). Account XXXX : XXXX reports Derogatory, while TransUnion and XXXX report Paid. XXXX. Creditor Type : XXXX lists National Credit Card Companies, while TransUnion and XXXX list Bank XXXX XXXX. XXXX. Creditor Remarks : Different remarks from each bureau. XXXX. Last Payment : Differing dates : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ). XXXX. Account XXXX : TransUnion reports Secured credit card, XXXX reports Credit line secured, and XXXX does not report. XXXX Credit XXXX XXXX XXXX XXXX {$0.00}, while TransUnion and XXXX report {$500.00}. XXXX. Two-Year Payment History : Discrepancies in charge-off ( CO ) reporting months.

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 2024-07-23 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: FL

Complaint narrative:
I am writing to follow up on a previous dispute regarding the inaccurate account information on my credit report that was not properly investigated and removed in violation of the Fair Credit Reporting Act ( 15 USC 611 ). Account Information : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/XXXX I previously submitted a dispute ( XXXX XXXX ) to your agency regarding the above-referenced account, providing evidence that the information is inaccurate and requesting its removal from my credit report. However, I am disappointed to learn that your investigation did not result in the removal of this inaccurate account. Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. It is concerning that despite providing evidence of the inaccuracies, the disputed account remains on my credit report. I am requesting that you conduct a thorough re-investigation into this matter and take the necessary steps to correct the inaccuracies in accordance with the law. Please provide me with a written explanation of the results of your re-investigation and actions taken to rectify the inaccuracies. Summary of Discrepancies : XXXX. XXXX XXXX : XXXX reports {$0.00}, while TransUnion and XXXX report {$680.00}. XXXX. XXXX. Last Verified : Only TransUnion reports a date ( XX/XX/XXXX ). Date of Last Activity : Differing dates : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ). XXXX. Date Opened : Different dates : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX and XXXX ). XXXX. XXXX XXXX : XXXX reports {$10.00}, while TransUnion and XXXX report {$0.00}. XXXX. XXXX. Closed Date : Only TransUnion reports a date ( XX/XX/XXXX ). Account XXXX : XXXX reports Derogatory, while TransUnion and XXXX report Paid. XXXX. Creditor Type : XXXX lists National Credit Card Companies, while TransUnion and XXXX XXXX Bank XXXX XXXX. XXXX. Creditor Remarks : Different remarks from each bureau. XXXX. Last Payment : Differing dates : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ). XXXX. Account XXXX : TransUnion reports Secured credit card, XXXX reports Credit line secured, and XXXX does not report. XXXX Credit XXXX XXXX XXXX XXXX {$0.00}, while TransUnion and XXXX report {$500.00}. XXXX. Two-Year Payment History : Discrepancies in charge-off ( CO ) reporting months.

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 2024-07-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
I purchased XXXX prepaid, XXXX XXXX cards for {$500.00} on XX/XX/2024. Each time I attempted to use the cards my transaction was rejected by the issuer. The issuer is XXXX XXXX, the cards are serviced by Incomm Financial Services. XXXX/Incomm routinely blocks legitimate transactions under the guise of " consumer protection ''. They do so in the hopes of delaying the spending down on the cards. When I called Incomm, they claim that the cards have been tampered with and I must file a case ID to get a refund check.

As of today, Incomm has sent a refund check for ONLY XXXX of the cards as part of case XXXX ID XXXX. They have yet to send the refund check for the other prepaid gift card worth {$500.00} and have requested that I open up another claim for that case. Current Case ID XXXX. 

I have attached copy of the email sent to Incomm as well as confirmation that their system has received the necessary documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with explanation