vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-28 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:
XX/XX/XXXX, upon obtaining a copy of my credit report, I noticed that there is negative/inaccurate information reported. Entry listings for charge-offs in the amounts XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ). 
As per IRS publication 4681 section on Canceled Debts, Cancel Debts ( Certificates Of Indebtness ) are considered income. Income can not be reported on a consumers credit profile or to credit agencies. This is a direct violation of the Privacy Act Of 1974 ( 5 U.S.C. 22a ), as well as FCRA. I have the right to make sure my private information isn't shared which is also backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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 seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681 ( e ) states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: TN

Complaint narrative:
This letter is in response to your recent claim that the credit bureaus has verified that the accounts they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account ( s ). I am formally requesting a copy of any binding contractual obligations to pay them the exact amount claimed. Any automated response E-Oscar verification is unacceptable. I am requesting a re-investigation and your Method of Verification. According to 15 USC 1692c ( c ) if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consume, the debt collector shall not communicate further with the consumer with respect to such debt. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately. According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written permission. According to 15 USC 1681 I have the right to privacy. According to 15 USC 1681 s-2 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. ( B ) Reporting information after notice & confirmation of errors. A person shall not furnish information is inaccurate; and ( ii ) the information is, in fact, inaccurate. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 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: IN

Complaint narrative:
I recently checked my credit report and noticed that I've been a victim of identity theft and for numerous credit inquiries that I have no knowledge of, here are the inquiries that I found 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 XXXXXX/XX/XXXX, PLEASE remove these fraudulent inquiries from my credit report! I also attached my identity theft report as well!

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 2024-08-28 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: AL

Complaint narrative:
i was looking over my credit report and i noticed unauthorized hard inquires on my credit report i did not give hand written consent to furnish anything on my credit report. these hard inquires and accounts have violated my consumer rights. 
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, Account name : XXXX XXXX #, Account name : XXXX #, Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 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.C 1681c. ( a ) ( 5 ) 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 seven years.

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 2024-08-28 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: FL

Complaint narrative:
Please REMOVE the FRAUDULENT reporting addresses, names, and fraudulent inquiries. Under the FCRA you must remove these addresses, names and fraudulent inquiries. these area on my credit reports does not relate to any transactions done by me.The attached paperwork shows all the fraudulent information in detail.

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 2024-08-28 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:
Please REMOVE the FRAUDULENT reporting addresses, names, and fraudulent inquiries. Under the FCRA you must remove these addresses, names and fraudulent inquiries. these area on my credit reports does not relate to any transactions done by me.The attached paperwork shows all the fraudulent information in detail.

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 2024-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
Transworld Systems Inc # XXXX placed this negative item on my credit reports without notifying me. This is a violation of the early-warning notice clause of FACTA act Section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit reports. I never receive written notification of this alleged debt at my address of XXXX XXXX XXXX, XXXX PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: WV

Complaint narrative:
Comenity / Ulta Acct opened XXXX Closed XX/XX/2024 Ulta reported me 30 days late in XX/XX/2024. I made my XXXX payment IN STORE. I had no idea this payment wasnt received until I got my following months bill and noticed a past due amount. I went back into the store and the store manager remembered me paying the bill and offered to make it right. It was a cash payment. Still to this day its showing late. I closed the account after this happened because they were careless in processing my payment. I want it reversed or removed all together.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I received a phone call from Citi Card in XXXX asking me if I did certain transactions as they were concerned about Fraud. I verified the transaction that I did not do and they reversed them and sent me a new Credit Card. In error they reversed a transaction from XXXX XXXX that was authorized. I called the Citi Card on XX/XX/XXXX and spoke with XXXX, Explained that the amount of the Oil bill shows paid for {$910.00} but the oil company did not receive the funds. She gave me a Case # XXXX and I thought that was going to be the end of it. On my XXXX statement I noticed I was credited for {$910.00} which would have offset the charge in XXXX but then I was charged twice under purchases. I called on XX/XX/XXXX and spoke with XXXX and asked for a supervisor which I supposedly got XXXX which gave me a phone # to XXXX XXXX XXXX and said i have to speak with them. I called and was told someone would call me withing 5-7 business days. I did not hear from anyone and when I received my bill for XXXX I noticed I was credited for {$910.00} and them charged for {$910.00}, so I am still being charged for one extra {$910.00}. I called again on XXXX XXXX and was transfered to the billing dispute dept. by XXXX. I spoke with XXXX and he assured me I would get Provisional credit again for the amount and the interest which I did for {$910.00} and XXXX. I was also charged the {$910.00} again under purchases. I called again on XXXX XXXX and spoke with XXXX, when I got my XXXX bill and saw I was charged again. She suggested I call and order an Audit on my account. I called and they said I would need to be available for any questions during the audit. I was going out of the country for 3 weeks and I said I would call when I got back. I called On XX/XX/XXXX and spoke with XXXX that said the audit would take a week to 10 days. Did not hear anything, called back XXXX XXXX spoke with XXXX she transferred me to Supervisor XXXX and told me I needed to go online and I could see the progress. I told him I don't want to go online I want an answer. He said he could not do anything for me!!!!! I called again on XX/XX/XXXX and spoke with XXXX who transfered me to a supervisor XXXX He agreed I was charged twice and that I would see the credit on my next statement. Well ofcourse I did not. I called again on XX/XX/XXXX spoke with XXXX and she was going to expedite investigation on case appeal. I would receive an update in the mail from XXXX?? I have finally had it and called XXXX XXXX but they just sent me an email saying to contact you. I am beyond frustrated and don't know what else to do. I hope you can rectify this for me.

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 2024-08-28 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
They have reopened the account under many new numbers and I have been disputed it since. The documents they provided show the account that was closed under the Fair Credit Act. All merchandise was returned or NOT received. There is a credit on original account. 
I have disputed with the same information over and over and they never submit any documentation.

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 2024-08-28 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: KS

Complaint narrative:
Hi, good day. Please read and take this complaint seriously as there is erroneous information on my credit report which is really worrisome. My financial freedom is at stake and these errors halts the progress in achieving it, my credit applications are getting rejected because of these inaccuracies it's extremely stressing me out.

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 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
Hi, good day. Please read and take this complaint seriously as there is erroneous information on my credit report which is really worrisome. My financial freedom is at stake and these errors halts the progress in achieving it, my credit applications are getting rejected because of these inaccuracies it's extremely stressing me out.

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 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: TX

Complaint narrative:
On my credit report with XXXX. 
They are saying my student loan in XXXX XXXX dollars. But my two loans are {$2200.00} and {$2000.00}. Also, it says my loan was sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XX/XX/2023 XXXX This account was removed XXXX sold this account to XXXX XXXX XXXX EQUIFAX are reporting inaccurate information to my credit report I have asked several time for them to verify this information that is not mine I have reached out no response back this need to be removed off my credit report due to the fact it is fraudulent XXXX XXXX  XXXX XX/XX/2023 {$1200.00} This account was removed from my credit report already EQUIFAX are reporting inaccurate information to my credit report I have asked several time for them to verify this information that is not mine I have reached out no response back this need to be removed off my credit report due to the fact it is fraudulent CLOSED ACCOUNT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Happy Money, Inc.
State: OH

Complaint narrative:
I used Happy Money to consolidate credit card debt. About XXXX of the way through the loan I started having trouble making the $ XXXX monthly payments and enrolled in the companys hardship plan. This lessened my payment to {$270.00} per month and I was told it would extend the term of the loan. I then renewed my hardship plan status in XXXX. The documentation I have doesnt mention anything about the plan expiring in XXXX and then the balance of the loan being charged to me in two massive monthly installments. I woke up this morning to find that this company had debited more than {$3200.00} from my bank account which was money I had allocated to other bills and my monthly rent payment. I had checked the website the Friday before and a {$3200.00} payment was not shown for my next bill but it was shown to be processing now. I called the company as soon as they opened and they claimed I was told in XXXX that this would be the case. I have no notes reflecting that statement and the docusign I completed also did not reflect this. It shows the XXXX payment and not subsequent payment amounts. I asked how quickly they could reverse this and they stated it could take 5-7 business days to return me the money and that they had to check with a supervisor about what to do. They did agree to return the ACH but now I am without these funds which never should have been debited from my account in the first place because I never authorized that amount to be deducted like that. They did later call back to offer a loan modification to take care of the balance but that doesnt solve the problem of me not having {$3200.00} in my bank account that I should have for the next week and nor the fact that this wasnt disclosed to me prior to the funds taken out.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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:
Recently I sent a complaints on my consumer report, on how I had inaccurate Information reporting! This account is keep updating INACCURATE INFORMATION and This is causing me harm and affecting my ability to purchase a house! 
According t

o 15 usc 1681e ( b ) Accuracy of report, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates to. And 1681i ( 5 )! 


PLEASE REMOVE THIS ACCOUNT SO MANY ERRORS REPORTING ON THIS ACCOUNT HOW IS THAT THIS ACCOUNT IS REPORTING AS A CHARGEOFF IN XX/XX/XXXX and was CLOSED SINCE XXXX of XXXX but still reporting ontime payment! Also in the comments section its reporting account closed by consumer but still reporting CHARGEOFF. 
Please remove from consumer report XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX 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 2024-08-28 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: MD

Complaint narrative:
I'm writing to communicate my XXXX  in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

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 2024-08-28 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: GA

Complaint narrative:
I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.

Company response to consumer: Closed with non-monetary relief