vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-19 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 am writing to dispute inaccuracies in my credit report that I recently reviewed. I noticed an error regarding my payment history that needs immediate attention. According to my report, there were two late payments reported on XXXX, which were in fact paid on time. 

Please review the payment history for this account, particularly for the payments listed for XX/XX/18 and XX/XX/18. I have attached a copy of my credit report highlighting these discrepancies for your reference. 

I request that you conduct a thorough investigation of this matter and provide me with the documented verification of these alleged late payments. If these instances can not be verified accurately, I kindly demand that they be corrected to reflect the payments as made on time, as they rightfully were. 

Thank you for your prompt attention to this issue. I look forward to your swift action to resolve this matter and adjust my credit report accordingly.

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 2024-04-19 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: NJ

Complaint narrative:
Please remove these inquiries. I didn't authorize them, and I don't have any information about 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 2024-04-19 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: CA

Complaint narrative:
I looked on my credit report and noticed that there is a late payment for 30 days for my credit card account for XXXX XXXX in XXXX of XXXX  PLEASE Update this account to PAID ON TIME and NEVER LATE I have never been late on my credit card payments and it is inaccurate please help me fix this with the credit bureaus to update my report asap.

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 2024-04-19 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: CA

Complaint narrative:
I looked on my credit report and noticed that there is a late payment for 30 days for my credit card account for XXXX XXXX  in XXXX of XXXX  PLEASE Update this account to PAID ON TIME and NEVER LATE I have never been late on my credit card payments and it is inaccurate please help me fix this with the credit bureaus to update my report asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, 15 USC 605B, 15 USC 1681 ( a ), & 15 USC 1681 ( 2 )! 

I told Experian, XXXX, and XXXX to reinvestigate & IMMEDIATELY remove these fraudulent/incorrect accounts/items : DEPT OF EDUCATIONXXXX : Account # : XXXX, Open Date : XXXX, XXXX ; XXXX  XXXX XXXXXXXX : ACCOUNT # XXXX XXXX Open Date : XXXX XXXX, XXXX ; XXXX XXXX : Open Date : XXXX, XXXX, XXXX ; XXXX XXXX XXXX : Open Date : XXXX, XXXX, XXXX XXXX XXXX XXXX : Open Date : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  : Open Date : XXXX, XXXX, XXXX ; XXXX XXXX  : Open Date : XX/XX/XXXX. 

In addition to, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

In Conclusion, According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2024-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
Ensuring timely payments is a habit of mine. I am absolutely certain about this. What I find puzzling is why this company is labeling me late in certain months, which is unacceptable. USC 1666b states that any billing errors need to be fixed ; otherwise, they'll owe me {$1000.00} for each inaccurately reported account.

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 2024-04-19 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: TX

Complaint narrative:
I called Equifax to get my credit report on XX/XX/2024 and after receiving it, I noticed there were some hard inquiries that do not have permissible purpose According to 15 USC 1681Ib, I Also attached my credit report and letter showing that Equifax is in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NE

Complaint narrative:
Opened computer in the morning, XXXX had a notification of XXXX XXXX web site had my personal information. Purchased program from XXXX to fix the dark web on my computer. Picked up my phone and googled and called XXXX customer service. Phone number popped up at the bottom and I clicked and called. It ended up being a scammer. It asked me to download an app on my phone. I was informed that my XXXX was not secure by person on the phone. I said " are you from XXXX '' He said Yes. I downloaded the app he got into my phone. Once he got into my phone he advised me to apply for and XXXX XXXX and also confirm my identity to send money to him on cash app. When we initially did the {$2700.00} cash app denied it so then he asked me to do {$200.00}. That went through. Then he asked me to do {$2700.00} and this went through. He then asked me to transfer the {$2700.00} to him and this was denied. He then had me send in increments of {$49.00}, $ XXXX, {$120.00} ( declined ) {$160.00} ( declined ), {$400.00} ( declined ), {$200.00} was attempted to be added and that was declined. A different card number was then put in ( ending in XXXX ) and that added {$200.00}. It failed {$200.00} to send back, and then failed {$200.00}, {$100.00} ( failed ) and then failed adding {$200.00} on his card ( XXXX ). He then had me put my card back in ( XXXX ) and he took {$200.00}. We then had a failed attempt of {$990.00}. Another failed attempt {$200.00} and another of {$970.00}. Then Cash app out to path ward of {$200.00}, {$250.00}, {$250.00}, {$250.00}, {$250.00}. He then had me attempt to send another {$2700.00} to XXXX ( {$690.00}, this failed ) Cash out of {$2700.00} failed, cash out of {$500.00} failed, cash out of {$1200.00} failed, cash {$2700.00}. Then my card is back in at ( XXXX ) added {$2700.00}. Please see notes on uploaded documents. I appreciate and help I can get with getting the {$2700.00} back plus the {$200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: NJ

Complaint narrative:
My information was disclosed to a third party without my permissible purpose! 

As per the FCRA, as a Federally Protected Consumer, I am now OPTING OUT of ANY and ALL Authorization ( s ) that I, ( CONSUMER NAME ), may have given the data furnisher ; whether written, unwritten, verbal or non-verbal as per : 12 CFR 1016.7 ( a ) ( 1 ) ( ii ) - Form of opt-out notice to consumers ; opt-out methods 15 USC 6802 ( b ) ( 1 ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information ***This Opt-Out Authorization is effective IMMEDIATELY and INDEFINITELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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:
My information was disclosed to a third party without my permissible purpose! 

As per the FCRA, as a Federally Protected Consumer, I am now OPTING OUT of ANY and ALL Authorization ( s ) that I, ( CONSUMER NAME ), may have given the data furnisher ; whether written, unwritten, verbal or non-verbal as per : 12 CFR 1016.7 ( a ) ( 1 ) ( ii ) - Form of opt-out notice to consumers ; opt-out methods 15 USC 6802 ( b ) ( 1 ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information ***This Opt-Out Authorization is effective IMMEDIATELY and INDEFINITELY!

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 2024-04-19 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: CA

Complaint narrative:
I looked on my credit report and noticed that there is a late payment for 30 days for my credit card account for XXXXXXXX XXXX in XXXX of 2023 PLEASE Update this account to PAID ON TIME and NEVER LATE I have never been late on my credit card payments and it is inaccurate please help me fix this with the credit bureaus to update my report asap.

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 2024-04-19 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: GA

Complaint narrative:
Dear Equifax, I looked at my report back on XX/XX/2024 and noticed some things are incomplete and not accurate. According to the fair credit reporting act 15 USC 1681 whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning an individual. 

I sent a letter asking them to reinvestigate these accounts listed below because, XXXX XXXX XXXX Account number XXXX open date is not reporting correctly, date last active, date last payment is not correct and overall this account is not accurate. 

XXXX XXXX XXXX open date is not reporting correctly, date last active, date last payment is not correct and overall this account is not accurate. 

XXXX Account number XXXX open date is not reporting correctly, date last active, date last payment is not correct and overall this account is not accurate. 

Can you please review these accounts for any inaccuracies across the XXXX bureaus i would like these accounts removed for false information immediately. 
According to15 U.S.C 1666B The timing of payments creditors may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 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: TRANSWORLD SYSTEMS INC
State: OK

Complaint narrative:
This is a Notice that you have broken the law. 

TRANSWORLD SYSTEMS Does not have a license to collect a debt in the state of Oklahoma which is the state that I reside in. Nor do you have licenses to collect debt in Texas in which XXXX XXXX XXXX XXXX XXXX resides. 

TRANSWORLD SYSTEMS is reporting a collection account to XXXX, XXXX and XXXX. The account number for XXXX being XXXX as having a balance of {$1200.00}. With the opening date of XXXX XXXX. 

Congress has made it clear that there is abundant evidence of the abusive, deceptive and unfair debt collection practices by debt collectors. SOME of the Violations committed by TRANSWORLD SYSTEMS include the following : 15 U.S.C 1692b 15 U.S.C 1692c 15.U.S.C 1682d 15 U.S.C 1692e 15 U.S.C 1692f 15 U.S.C 1692e 18 U.S.C 1001 Additionally, This Is a notice of dispute.I am requesting VALIDATION, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. I am requesting VALIDATION that is competent evidence being my signature showing that I have or ever had some contractual obligations to pay you. Provide the purchase agreement and all other documentary evidence. 

Please also be aware that any negative marks found on my credit reports or fraudulent security liens placed on my personal property ( including XXXX, XXXX, XXXX, and or XXXX XXXX XXXX from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry and any fraudulent security Interest liens removed from my personal property. 

XXXX Otherwise known as Public Law 73-10 states " All debts public and private are paid for. '' Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

The continuous of willful non compliance may result in information being shared to the following : XXXX XXXX XXXX XXXX XXXX  ) FTC ( Fair Trade Commission ) .. For Fraud Attorney General But the failure to respond within 30 days will also have the same result. 

Additionally, Failure to respond within 30 days may result in a small claims legal action at my local venue. In which Ill seek {$1000.00} for but not limited to the following violations : violations Defamation *Negligent Enablement of Identity Fraud *Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 0 *Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) *Copyright Infringement of Trade name XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: EQUIFAX, INC.
State: CA

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 3rd party. They in fact did not come from a 3rd 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I consistently ensure that my payments are made on time. I am completely certain about this. What concerns me is why this company is marking me as late in specific months, which shouldn't be the case. According to USC 1666b, any billing errors must be corrected, or else they'll owe me {$1000.00} for each inaccurately reported account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: Essential Lending Inc
State: TX

Complaint narrative:
I took out a small short-term online loan with Essential Lending DBA Wise Loan XX/XX/XXXX. The loan amount was {$800.00}, and the repayment was {$260.00} per month for a period of 6 months. 

I fell behind on the payments of this loan after making the first payment. 

There are XXXX issues that I have had with this account. The first being the inaccurate/false credit reporting information throughout this process, and the second being that I paid off the account through XXXX in XXXX of XXXX, and Essential Lending continues to report this account with an open balance. 

The first issue is the inaccurate reporting. This account reports as an open account XXXX days late, This reporting is false, and it is done to maximize the damage to my credit score. The date of last payment per the credit report is XX/XX/XXXX, yet the reporting as of XX/XX/XXXX on my XXXX and XXXX report the account XXXX days late with a balance of {$2300.00}. 

The second and most important issue is that this account was paid off XX/XX/XXXX in the amount of {$810.00}. This account was paid through InDebted on behalf of XXXX, XXXX, with the original creditor being Essential Lending DBA Wise Loan. I have attached the confirmation of payment as well as emailed correspondence with XXXX. 

I expected the account to be updated to reflect the payment, but it has not been. I disputed this information with the credit bureaus, and Essential Lending has refused to correct. I have made multiple attempts to resolve through InDebted and Essential Lending through email and phone calls, but I have been unable to get any type of resolution. Essential Lending is reporting this account open and unpaid, yet I have provided all of the documented proof of payment. I have been requesting this correction for over a year. 

Essential Lending is doing a great deal of my harm to my credit, This company is not working in good faith, I have satisfied this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: IL

Complaint narrative:
Kindly verify the documentation as FCRA 605B necessitates the elimination of erroneous accounts from my credit report. Some of the listed accounts contain inaccuracies in their reporting. Compensation of {$1000.00} is warranted for each inaccurate report on my credit 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 2024-04-19 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:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

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

Company 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 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to express my deep concern regarding the inaccurate information present on my consumer credit report, which has adversely affected my ability to access credit and has caused significant disruptions in various aspects of my life. This letter serves as a formal dispute of the inaccuracies, a request for compensation due to the hardships I have endured, and an opt-out of the current agreement under the arbitration clause. The inaccuracies on my credit report have led to the denial of credit, impeding my capacity to secure vital resources such as reliable transportation for employment and stable residence. As a result, my family has been forced to move from place to place, causing substantial stress and instability in our lives. The denial of credit has had profound impact on my financial stability, limiting my employment opportunities and hindering my ability to provide for my family. 

The most current was with XXXX XXXX XXXX XXXX store credit under XXXX XXXX XXXX of denial do to this reporting of credit. 
In addition to the dispute and compensation request, I am formally opting out of the current agreement under the arbitration clause. I prefer to pursue other terms per applicable law in renegotiating terms to best of my benefit seeking compensation.

Company response to consumer: Closed with explanation