vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-04 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:
This debt collector, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didnt agree upon, and I didnt sign an agreement on. A legal contact signed by two parties, and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make these unfair practices. According to the FDPA Im entitled to XXXX dollars per violation and clearly, they violated my rights.

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 2024-11-05 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: TX

Complaint narrative:
Theres a bankruptcy on my credit report that dont belong to me i am uploading XXXX XXXX  report stating they removed it

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 2024-11-04 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: NY

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt XXXX  which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-11-05 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: NV

Complaint narrative:
I am writing to formally request the blocking and deletion of a fraudulent account on my credit report. This account was added following a recent data breach in which my personal information was compromised. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate removal of the following account from my credit report. 
Fraudulent Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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: OH

Complaint narrative:
I review my consumer reports and I noticed that I had two late payments on account that I was never late for. The consumer reporting agency has assumed vital role and have a responsibility to report consumers information to the best of their ability with maximum accuracy. I have never been late on payments for this account. I have included a Screenshots and saw this complaint on. XX/XX/year>. Please investigate and provide proof which statement showing that these late payments were late. If no proof cant be provided I demand the late payments be updated to pay as agreed on time and they should be due to the fact I was never late. Thanks please see attached screenshots.

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 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CLGF Holdco 1, LLC
State: NC

Complaint narrative:
I had a XXXX of credit through destiny credit card, in which I never received the card, I must have called 10+times about not getting my card, and why they havent updated my address. Every payment I made showed in my account that they processed at the time, but then my destiny cc would reflect somehh th ing different. For some reason wwithput explanation they cancelled my account and I dont feel that I owe when they cant explain why they would close my account. Ive tried multiple times to contact them since the closing of my account, yet no luck.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-04 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: FL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED 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 2024-11-05 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: TX

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED 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 2024-11-04 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
The money that was supposed to go to my debit card went to somewhere else and I never received the money into my card.

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 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am attempting to login to my Experian. The website keeps telling me they can not confirm my identity and to call the speak to a representative. When I call to do so, the auto attendant says they can only transfer me to a representative for limited reasons, but I don't qualify given my answers to the auto attendant. I called three times to try to get someone who can help me get into my account to look at freeze options. Each time the auto attendant tells me I can either go to the website to figure this out on my own, or receive a text with instructions, but I can not talk to a representative. The website and text instructions can not get me into the website. I've tried it all afternoon. The website literally says I need to talk to a representative but when I call the attendant won't let me. Are credit bureaus allowed to block me from attaining the help I need from a representative to get into their site, when their site itself tells me I need to speak to a rep?

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 2024-11-05 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: WA

Complaint narrative:
My account is incorrectly reporting a status of late payments. I've always had stellar payment history on this account, and therefore I mailed XXXX XXXX XXXX XXXX to fix it. I also asked them to provide me with validation about the error, which they never did. So basically they fraudulently reported late payments to the CRAs and now my account status is wrong. The status on the other two beaureaus shows PAID AS AGREED.

I also contacted Experien about this because the other two beureaus are showing paid as agreed. Experien did not fix it either. I'm so frustrated!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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: TX

Complaint narrative:
These accounts were not authorized or initiated by me, and it is unjust for me to be responsible for them. I implore you to promptly correct this error.

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 2024-11-05 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:
Dear Dispute of Inaccurate Late Payment Reporting - Account Reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subiet : Request for inacurete late payments base on FCRA sp ecifically 15 USC 1681.

I Am Writing To Dispute The Inaccurate Reporting Of Late Payments On My Credit Report, Specifically Concerning The Accounts Referenced With CXXXX XXXX XXXX XXXX XXXX  Upon Thorough Review, I Have Identified Discrepancies In The Reporting, And It Appeary That There May Be A Violation Of The Fair Credit Reporting Act ( Ecra ) As Ouflined In 15 US.C. {$1600.00}. The Reported Late Payments On The Aforementioned Accounts Are Inconsistent With My Payment History. To The Best Of My Knowledge And Records, I Have Consistently Paid These Accounts On Time, In Accordance With The Agreed-Upon Terms Reference To PAANL ( Paid As Agreed, Never Late ) : The Termy Of Our Agreement Have Always Been Adhered To, And The Accounts In Question Should Reflect A Status Of " Paid As Agreed, Never

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 2024-11-04 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: CA

Complaint narrative:
I'm concerned about an unfamiliar inquiry on my credit report. I didn't authorize or consent to this company accessing my information, I'm trying to understand how and why this happened and it's causing me a lot of XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 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: OH

Complaint narrative:
I reviewed my report and noticed some accounts that were not reported accurately that was paid on time. The consumer reporting agencies need to report all information accurately. This account has never been late and i've attached a copy of my report to this compliant. I'm asking that you investigate and provide verifiable proof with records showing that this account has late payments that are accurate. If this information cant be verified please remove from my report immediately. Thanks for you understanding and prompt action.

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 2024-11-04 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:
Account Number : XXXX / XXXX XXXX XXXX. The late payment in question is reported by EQUIFAX for the period of XX/XX/year>. I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by EQUIFAX. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
according to 15usc 1992 ( c ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My credit report contains incorrect personal information. I've included my documents to help you make the necessary updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
US Dept of Education incorrectly reported late payments on my account. I contacted them about this and demanded they remove the fraudulent reporting, and that if they disagreed with this, to provide me proof it was paid late ( they didn't ). What they did do instead was update their information on my credit report from 'US Dept of Education ' to another entity called XXXX XXXX XXXX XXXX Anyway, the account needs to show PAID AS AGREED. I have great payment history with this account and never paid late. They need to report it accurately. 

I also contacted Equifax about this, and they never helped me! Their system shows that the account is paid as agreed- but it is in XXXX not XXXX - and, there is a note under this that says 120 days late!! It's really hurting my credit and I never gave anyone permission to put this on MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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: GA

Complaint narrative:
I am writing to formally request the blocking and deletion of fraudulent accounts from my credit report as permitted under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681c-2 ( a ). My information was compromised in the XXXX data breach. As a result, this has led to me being a victim of identity theft, and unauthorized accounts being opened in my name. I have included an attachment of XXXX confirming my information was compromised and I kindly request that Experian block the following accounts and prevent any further reporting of them on my credit report : XXXX  XXXX, Account # : XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account XXXX : XXXX In accordance with 15 U.S.C. 1681c-2 ( a ), I request that these accounts be blocked from appearing on my credit report along with these addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MD, XXXX Additionally, I am requesting the removal of the following Hard Inquiries that have resulted from this identity theft. 
XXXX XXXX  : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> 2023

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 2024-11-04 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: FL

Complaint narrative:
My credit report includes inquiries that breach 15 USC 1681b ( c ) ( 2 ) as theyre unauthorized and affecting my score. Please remove them.

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 2024-11-04 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: CA

Complaint narrative:
i recently reviewed a copy of my credit report and noticed i hed fraudulent accounts on my credit i want fraudulent account to be removed from my credit report immediately because they hurt ability to obtain credit

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 2024-11-04 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: CA

Complaint narrative:
i recently reviewed a copy of my credit report and noticed i hed fraudulent accounts on my credit i want fraudulent account to be removed from my credit report immediately because they hurt ability to obtain credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
On XX/XX/year> I filed a dispute with HSBC in the amount of {$600.00}. I told support that I paid for a service that wasnt received, that I was scammed out of the money, and that I had attempted to have the funds returned but had no response from the merchant. HSBC filed the dispute, and informed me to check back in periodically, that there would be an update by the 10th business day. I checked in multiple times to no update. On the 10th business day I was given a number to reach the disputes team, I attempted calling multiple times, left multiple messages, and my calls were never returned. Throughout this process their support team attempted to deceive me with misinformation, I was given different information on almost every occasion, and then I was informed the charge didnt meet regulation E requirements and no credit would be issued ( this was on the 11th business day after multiple follow ups and being told a credit would be issued on the 10th business day ). The supervisor I spoke to on XXXX XXXX was extremely deceitful trying to cover for the banks mistake and while she apologize that her support was inconsistent and had lied to me, she refused to hold up the banks end of their promises. HSBC is also in the process of closing my account due to a bounced check, even though I immediately tried to rectify the mistake. They have been holding my funds for 45 days refusing to return the funds or give me access to them. I have even tried to keep the account open after all of this, but their support has nothing other than scripts to read, and with their poor training are unable to help in any regard. I would like my funds returned ASAP, I would like HSBC investigated for malicious behavior towards their consumers, and I would like my credit issued as promised.

Company response to consumer: Closed with explanation