vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-27 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: FL

Complaint narrative:
Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. Experian, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
. 




XXXX  Facts : XXXX is aware and has proof in the attachment labeled as Exhibit BXXXX XXXX XXXX  XXXX Account XXXX XXXX  is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ). 


The inaccurate reporting of both my account status and payment status by XXXX XXXX XXXXXXXX Account XXXX XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my 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 explanation
Consumer complaint received 2024-09-27 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:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 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: NY

Complaint narrative:
According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Items that need to be disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX Y XXXX, NY XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : XXXX -late/closed XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 2024-09-27 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: NY

Complaint narrative:
According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Items that need to be disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXte of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, DEPT OF ED Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX  Date of Inquiry 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 explanation
Consumer complaint received 2024-09-27 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 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 explanation
Consumer complaint received 2024-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Upon reviewing my recent credit report, I found multiple accounts that appear to be inaccurate and were added without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
Comenity Bank on XXXX  behalf called me repeatedly in one day regarding a past due account. When I attempted to pay in full when I had a chance to talk on the phone the representative talked over me, and made it difficult to pay. I had to use the auto phone option. I then called them to make a complaint because of the severity of the mishandling and frankly, abuse I received as a customer in good standing ( I paid it in full ) I honestly thought they might have been hacked I was treated so poorly .After I complained about their behavior they froze my account and blocked my number so I cant call and check what is going on. Now they are refusing to provide me any information claiming I requested a cease and desist when I just wanted their employees to talk to me like a human. I also think it's important that Ann Taylor XXXX and XXXX understand how Comenity bank treats their customers. Now they want me to send a letter to reinstate my account which is paid off. Why as a consumer would I jump through hoops to fix their myriad of mistakes. This bank seems to be setting their customers up for failure in my opinion and trying to skirt consumer protections. If I have to close my account why would I take the credit hit? I have done nothing but try to be a good customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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: PA

Complaint narrative:
I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.

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 2024-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The collection companies are in violation of the Fair Credit Reporting Act ( FCRA ) for not providing proper validation and for reporting invalid debts.The disputed accounts include : {$1300.00} from XXXX XXXX XXXX, {$6000.00} from XXXX, {$1800.00} from XXXX XXXX I have sent several request and they have gone ignored.

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 2024-09-27 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report 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 2024-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: RI

Complaint narrative:
To Whom It May Concern, I am writing to formally request that you cease all communication with me regarding the debt you claim I owe in the amount of {$1300.00}, as allowed under 15 U.S.C. 1692c of the Fair Debt Collection Practices Act ( FDCPA ). Additionally, I am requesting validation of the debt pursuant to 15 U.S.C. 
Please be advised that I do not wish to receive any further communications regarding this alleged debt. I states that multiple times and still receive phone calls and letters. So This includes, but is not limited to, phone calls, letters, or any other forms of communication. I expect your compliance with this request effective immediately. In addition, as per the FDCPA, I request that you provide me with the following information regarding the alleged debt : XXXX. The amount of the debt. 
XXXX. The name of the creditor to whom the debt is currently owed. 
XXXX. Evidence that you are legally authorized to collect this debt. 
XXXX. A copy of the original contract or agreement that created the debt. 
XXXX. Proof of the debt, including any relevant account statements. 
If you can not validate the debt as requested, I ask that you remove the debt from your records and cease all collection activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Chainlink Services LLC
State: UT

Complaint narrative:
They are calling former relatives, and asking for my personal information and making threats to them to tell me, they leave voicemails saying they are going to take legal action but I have never heard of this company and I have NEVER been validated of any debt that is owed. They are asking for information that these former relatives do not know but are now scared to answer since they are calling every day and multiple times through out the day. They are using harassing tactics and again I have no idea what they want or who they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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: DE

Complaint narrative:
I reviewing my cosurmer reporting credit I discover some instances of late payment on my account for XXXX I have always maintained on timely payment consumer roporting agencies play a crucial role in accurately reporting consumer information I demand those late payment removed them from my account please 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 explanation
Consumer complaint received 2024-09-27 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: EQUIFAX, INC.
State: DE

Complaint narrative:
I reviewing my cosurmer reporting credit I discover some instances of late payment on my account for XXXX I have always maintained on timely payment consumer roporting agencies play a crucial role in accurately reporting consumer information I demand those late payment removed them from my account please thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: IN

Complaint narrative:
I bank with Truist bank and on XX/XX/XXXX my wallet was stolen in XXXX XXXX XXXX why I was on vacation. it was XXXX once i realized my wallet had been stolen and i called the bank immediately to cancel all my cards. i also have a police report with the XXXX XXXX XXXX sherif department logging my stolen wallet. I called the bank Mutiple times that weekend to inform them of what had happened and provided them with the police report. they people had taken out two transactions that i disputed one in the amount of XXXX and XXXX the business name it was under was XXXX XXXX XXXX XXXX XXXX FL and when i XXXX this business it is not a legit company. i provided all this information to the bank and they still denied me my dispute saying it was an authorized transaction and they refuse to give me any documentation supporting their claim.

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 monetary relief
Consumer complaint received 2024-09-27 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: CA

Complaint narrative:
I received a copy of my credit report and found the following items to be " INACCURATE ''. 

1. INACCURATELY REPORTING XXXX Account number:XXXX VERIFY ACCURACY WITH ORIGINAL CREDITOR 2. INACCURATELY REPORTING XXXX XXXX Account number : XXXX VERIFY ACCURACY WITH ORIGINAL CREDITOR 3. INACCURATELY REPORTING XXXX XXXX XXXX XXXX Account number:XXXX  VERIFY ACCURACY WITH ORIGINAL CREDITOR 4. INACCURATELY REPORTING XXXX XXXX XXXX  Account number : XXXX VERIFY ACCURACY WITH ORIGINAL CREDITOR 5. INACCURATELY REPORTING XXXX XXXX XXXX XXXX  Account number : XXXX VERIFY ACCURACY WITH ORIGINAL CREDITOR 6. INACCURATELY REPORTING XXXX XXXX  XXXX  Account number ; XXXX VERIFY ACCURACY WITH ORIGINAL CREDITOR 7. INACCURATELY REPORTING XXXX XXXX XXXX Account number : XXXX  VERIFY ACCURACY WITH ORIGINAL CREDITOR By the provisions of the Fair Credit Reporting Act, I demand that these 'ALLEGED '' items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I also request that you please send notices of corrections to anyone who received my credit report in the past six 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 2024-09-27 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: CA

Complaint narrative:
I received a copy of my credit report and found the following items to be " INACCURATE ''. 

1. INACCURATELY REPORTING XXXX Account number:XXXX VERIFY ACCURACY WITH ORIGINAL CREDITOR 2. INACCURATELY REPORTING XXXX  XXXX Account number : XXXX VERIFY ACCURACY WITH ORIGINAL CREDITOR 3. INACCURATELY REPORTING XXXX XXXX XXXX XXXX  Account number:XXXX VERIFY ACCURACY WITH ORIGINAL CREDITOR 4. INACCURATELY REPORTING XXXX XXXX XXXX Account number : XXXX VERIFY ACCURACY WITH ORIGINAL CREDITOR 5. INACCURATELY REPORTING XXXX XXXX XXXX XXXX  Account number : XXXX VERIFY ACCURACY WITH ORIGINAL CREDITOR 6. INACCURATELY REPORTING XXXX XXXX  XXXX  Account number ; XXXX VERIFY ACCURACY WITH ORIGINAL CREDITOR 7. INACCURATELY REPORTING XXXX XXXX XXXX Account number : XXXX VERIFY ACCURACY WITH ORIGINAL CREDITOR By the provisions of the Fair Credit Reporting Act, I demand that these 'ALLEGED '' items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lentegrity Management, LLC
State: TX

Complaint narrative:
I am trying to dispute inaccurate credit reporting for a XXXX XXXX XXXX. From the inception of our loan, we have never missed or had late payment, yet for the last couple of months ( XXXX and XX/XX/XXXX ) a late payment has been reported on our credit account. We had a {$1900.00} balance left on our account when the car was declared totaled after an accident. XXXX subsequently sent Lentegrity a check in the amount of {$1900.00} on XX/XX/XXXX to completely pay off the car. As a matter of fact, we had made our regular payment of {$170.00} on XX/XX/XXXX, yet a late payment was still reported. By that time, the account was completely paid off, yet they reported it as a profit/loss write off which consequently came up as derogatory on our credit report. This incorrect reporting caused a tremendous drop on our credit scores. Both my daughter and I have been calling for the last month and a half to get this issue resolved, but no one is ever available or has bothered to call us back. We have also filed disputes with each credit bureau. One is still pending and 2 came back as no change, which is absolutely false being that we had no late payments, and the insurance completely paid off the car. XXXX and XXXX are reporting write-off or profit loss, and XXXX is reporting that as well as late payments. This is completely false and the company refuses to take my call to revise.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Halsted Financial Services, LLC.
State: PA

Complaint narrative:
After navigating through multiple representatives who all willfully violted my consumer rights with knowledge and awareness of their actions, Halsted Financial Services engaged in retalitory actions agains me by leaving me on hold for over an hour. This was confirmed when i called from a different number and was connected to representative within 5 seconds while still being on hold with the previous representative. After informing the representative of my contractual terms. I attempted to lodge a complaint about my experience, the representative refuse to provide me with a complaint number but instead said she will make a note and i will be contacted at some point in the future. No time frame was given. After 2 internal transfers i was connected to the legal department who attempted to subvert my rights as a consumer using language fraud, false and misleading information, and blatantly lying. I maintained my rights and the representative said it was their policy to engage in such practices. I then asserted that policy do not trump law or carry the weight of law and expressed my unwillingness to forfeit my rights. The representative them admitted that i was correct and in essence all previous representative violated my rights.

Company response to consumer: Closed with explanation