vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-11 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: KS

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX card services XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section XXXX A. States I have the right to privacy. 15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 non-monetary relief
Consumer complaint received 2024-06-11 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section XXXX A. States I have the right to privacy. 15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 2024-06-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Transunion has been reporting inaccurate information on my credit report

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 2024-06-11 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: GA

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

FCRA section 605 ( a ) ( 5 ) generally prohibits the reporting of any adverse item of information... which antedates the report by more than seven years.

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 2024-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.

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 2024-06-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
I was a XXXX customer from XXXX XXXX XXXX  when I cancelled their service due to a drastic reduction in download speed, due to the busy tourist season in this area. The entire time I was a XXXX  customer, my monthly payment was auto-drafted by XXXX, from my XXXXXXXX XXXX Acct ( see attached ). After I cancelled in XX/XX/XXXX, XXXX sent me an empty, addressed return box for their equipment, which I gladly returned, and I called XXXX  on XX/XX/XXXX to verify that they had received the return of their equipment. On XX/XX/XXXX XXXX auto-drafted my account XXXX. I called XXXX and they confirmed that it was erroneous charge. XXXX reversed the charge. For the next 6 months, every month XXXX auto-charged my XXXX account XXXX, then XXXX then XXXX. With each autodraft, I called XXXX  to verify that I did not owe them, and I called XXXX to reverse the charge. Finally, in XX/XX/XXXX XXXX put a block against XXXX  so that they could not autodraft my account any more. At that point, XXXX turned the erroneous debt over to Eastern Account System, a debt collector and I began calling them and asking them to produce a detailed bill from WOW, describing what " services '' that they provided to me that I owe them XXXX. To date, neither company has complied with my request for a detailed statement of the " services '' that they claim I owe them. At one point in XXXX, XXXX  told me to contact another company, XXXX XXXX and when I spoke to them, they said that they had a note to send me a " refund check for the erroneous equipment charge, '' but they confirmed that I never cashed any check from them, and that they had voided the check. I called XXXX and Eastern Debt Collections and explained this to them and asked them to please look into this. As of XX/XX/XXXX, XXXX at Eastern Debt Collections refuses to ask their customer, XXXX, for a detailed statement of the services that they are billing me for and XXXX refuses to send a detailed statement and now refuses to discuss the account with me, even though I provided my name, address, acct number and last payment date. At this point my credit score has dropped from an XXXX to XXXX as a result of this single, monthly negative report from Eastern Acct Systems on behalf of XXXX. With this harm, I am no longer in the position to purchase a newly built house due to the higher interest rate that the low credit score offers. According to the credit report, they intend to continue reporting this negative every month till XXXX of XXXX. Note that there are no other negative creditors on my report. The CFPB should look into these XXXX companies for their disregard of the Fair Practices and Debt Collection Rules.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 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:
The fraudulent, incorrect, and misleading information on my credit report remains unresolved despite my numerous efforts to address it. The presence of these items has severely impacted my life, causing me significant XXXX XXXX XXXX. It is crucial to reiterate that I did not authorize or consent to having this information associated with my name, as I have been a victim of identity theft.

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 2024-06-11 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The fraudulent, incorrect, and misleading information on my credit report remains unresolved despite my numerous efforts to address it. The presence of these items has severely impacted my life, causing me significant XXXX XXXX XXXX It is crucial to reiterate that I did not authorize or consent to having this information associated with my name, as I have been a victim of identity theft.

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 2024-06-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Selene Holdings LLC
State: MD

Complaint narrative:
I am constantly being told that my mortgage is in default. The last letter I received dated XX/XX/XXXX indicates that I am XXXX payments behind. Prior to that it was XXXX payments behind in XXXX. 

Ive made multiple attempts starting in XX/XX/XXXX to obtain a payment history from XXXX - XXXX and to request a corrected XXXX for taxes to no avail. 

Its so frustrating that my payments are constantly misapplied and that we continue to get delinquency notices. When speaking with the agents, we are always told a different reason why our account is not correct and that the issue has been escalated. 

I believe my entire payment history is not correct. They have me owing more than I should owe due to negligence on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.

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 2024-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
I am writing to formally lodge a complaint regarding a significant discrepancy on my credit report associated with Fortiva Credit. The issue pertains to an alleged missed payment that was erroneously reported on my credit profile. 
Fortiva Credit inaccurately reported that I missed a payment. However, I can unequivocally confirm that this is not the case. I diligently maintain my financial obligations and can provide evidence, including bank statements, confirming that the payment in question was indeed made on time. 
Upon discovering this error, I promptly contacted Fortiva Credit to rectify the situation. In response, they acknowledged their mistake and assured me that they would promptly notify all relevant credit bureaus to correct the misinformation. I have documentation, in the form of email correspondence, confirming this acknowledgment. 
However, despite their assurance and the passage of over XXXX  days since the acknowledgment, the erroneous information has not been rectified on my credit report. This oversight is causing undue harm to my creditworthiness and financial standing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-11 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: SC

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-06-11 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-06-11 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: TX

Complaint narrative:
I am filing this complaint personally. After examining my credit report, I noticed listings for supposed late payments. However, more than 30 days ago, I sent correspondence regarding these entries, but I have not received a response, and they have failed to provide adequate validation to support these alleged late payments. I kindly request your help in resolving this issue.

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 2024-06-11 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: TX

Complaint narrative:
I am filing this complaint personally. After examining my credit report, I noticed listings for supposed late payments. However, more than 30 days ago, I sent correspondence regarding these entries, but I have not received a response, and they have failed to provide adequate validation to support these alleged late payments. I kindly request your help in resolving this issue.

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 2024-06-11 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: TX

Complaint narrative:
I am personally filing this complaint to address an issue of late payment entries on my credit report. Upon reviewing my records, I discovered the existence of these late payment listings. However, despite sending correspondence more than 30 days ago regarding this matter, I have not received a response, and they have failed to provide satisfactory validation for these supposed late payments. I kindly request your assistance in resolving this issue promptly and effectively.

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 2024-06-11 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: TX

Complaint narrative:
I am personally filing this complaint to address an issue of late payment entries on my credit report. Upon reviewing my records, I discovered the existence of these late payment listings. However, despite sending correspondence more than 30 days ago regarding this matter, I have not received a response, and they have failed to provide satisfactory validation for these supposed late payments. I kindly request your assistance in resolving this issue promptly and effectively.

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 2024-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Lloyd & McDaniel, PLC
State: FL

Complaint narrative:
My XXXX  XXXX credit card account was transferred to collections even though I was making monthly payments on it. I understand they were lower than they wanted but it was what I was able to pay. I made an arrangement with XXXX XXXX XXXX to pay one account and told them I couldnt pay on the other until I paid the first one off. They sent my account to Lloyd and McDaniel collection lawyers. I disputed my debt in writing on XX/XX/24. On XX/XX/24 I received the information and contracted the law firm and made an initial payment of XXXX $ I told them I will continue to make monthly payments and when I paid off the other card balance I would encrease my payments. I received a call from XXXX XXXX at extension XXXX from Lloyd McDaniel on XX/XX/24. She told me. Low suit was filled against me on XX/XX/24. I asked her how this was possible since I disputed the debt. She said oh you want to dispute it Ill put it in dispute right now. I said no you should have put it in dispute when you got my email regarding the dispute. How is it that they were able to file a law suit against me when I hadnt even recieved or reviewed the paperwork they sent me regarding to the dispute? I just want to make sure my rights havent been violated. I am desperately trying to pay off all of my debt as quickly as possible but my financial situation has changed significantly since I incurred the charges. I appreciate any information you can offer me in this matter. Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I found out the creditor didn't give the required XXXX notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

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 2024-06-11 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: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX {$62.00} THIS ACCOUNT WAS RECENTLY inserted to my credit with no notificaiton, no mail, no notice, i have no knolwedge of this account, clearly theres an error with data. Im asking for an immediate removal of item from my report.

Company response to consumer: Closed with non-monetary relief