vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-19 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: NV

Complaint narrative:
i have inquiries ive submitted where i was denied by the creditor. 

XXXX ( XXXX accounts ) XXXX XXXX auto finance XXXX XXXX - XX/XX/XXXX auto finance XXXX  XXXX - XX/XX/XXXX bank card XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XX/XX/XXXX - bank card XXXX XXXX ( XXXX accounts ) XXXX and XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX auto finance XXXX XXXX auto finance XX/XX/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 2024-02-19 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: NV

Complaint narrative:
i have inquiries ive submitted where i was denied by the creditor. 

XXXX ( XXXX accounts ) XXXX XXXX auto finance XXXX XXXX - XX/XX/XXXX auto finance XXXX  XXXX - XX/XX/XXXX bank card XXXX  - XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX - bank card XXXX XXXX ( XXXX accounts ) XXXX and XX/XX/XXXX sales finance XXXX XXXX  XX/XX/XXXX auto finance XXXX  XXXX auto finance XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Credit bureau is reporting a XXXX late payment for the month of XXXX in XXXX. 
The account shows an on time payment for XXXX. this is a violation for the FCRA. An account has to be 30 days late before bureau reports as late. This account doesn't fall within that scope and is not 30 days late.

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 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XX/XX/year>, I wrote to you requesting an investigation into items that I believed were ( CHOOSE : INNACCURATE, OUTDATED OR OBSOLETE ). To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 

Since this is my ( SECOND, THIRD, FOURTH, ETC ) ) request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. 

Please see my reasons for dispute below : XXXX. I was never late and this is inaccurate and an FCRA violation. 
XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. I was never late and this is inaccurate and an FCRA violation. 
XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. I was never late and this is inaccurate and an FCRA violation. 
XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. I was never late and this is inaccurate and an FCRA violation. 
XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. Late Payment Law Letter finance charge XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

Under 15 USC 1681i ( 6 ) DEMAND TO COMPLY and 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability to credit reporting agency

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XX/XX/2023, I wrote to you requesting an investigation into items that I believed were ( CHOOSE : INNACCURATE, OUTDATED OR OBSOLETE ). To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 

Since this is my ( SECOND, THIRD, FOURTH, ETC ) ) request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. 

Please see my reasons for dispute below : XXXX. I was never late and this is inaccurate and an FCRA violation. 
XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. I was never late and this is inaccurate and an FCRA violation. 
XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. I was never late and this is inaccurate and an FCRA violation. 
XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. I was never late and this is inaccurate and an FCRA violation. 
XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. Late Payment Law Letter finance charge XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

Under 15 USC 1681i ( 6 ) DEMAND TO COMPLY and 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability to credit reporting agency

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 2024-02-18 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: GA

Complaint narrative:
Reached out to the CRA 's with a letter stating what consumer rights have been violated, the CRA 's have continued to report the inaccuracies and violate the privacy of the consumer.

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 2024-02-18 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: ACIMA CREDIT, LLC
State: CA

Complaint narrative:
I am a victim of identity theft and have been disputing this account for over 3 years with zero progress to resolution. I have provided many identity theft reports and disputes and they keep reporting this debt as mine. I am filing this complaint as my last attempt to resolve this fraudulent account and after this I will be filing lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
i have inquiries ive submitted where i was denied by the creditor. 

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

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 2024-02-19 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-18 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: NJ

Complaint narrative:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of the accounting nature of the creditor on a statement. 

As I know the creditor didn't notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 

XXXX. I was never late and this is inaccurate and an FCRA violation. 
XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. I was never late and this is inaccurate and an FCRA violation. 
XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. I was never late and this is inaccurate and an FCRA violation. 
XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. I was never late and this is inaccurate and an FCRA violation. 
XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. Late Payment Law Letter finance charge XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 


As a consumer by law, these accounts on this letter must be updated or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated.

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 2024-02-18 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:
Again I am asking for the following items to be removed and deleted from my file they are due to identify theft I never had any account with this company Account name XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Please remove all these fraud accounts please. I never had a auto loan with XXXX when I reach out to them they said it was a business account and can't give me any info I never had a business please removed

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 2024-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I am writing to file a formal complaint against Venmo regarding a recent incident of fraud and the subsequent denial of my claim for reimbursement. I believe that the denial is unjust, and I am seeking your assistance in resolving this matter. 

Incident Details : Transaction Date : [ Date of the Transaction ] Transaction Amount : {$250.00} ID : XXXX Payment Method : Venmo XXXX XXXX XXXX Description of the Incident : I made a purchase of gift cards on XXXX XXXX using Venmo 's XXXX XXXX XXXX method for payment protection. Unfortunately, I fell victim to a scam, and the scammer not only failed to deliver the promised goods but also blocked me after receiving payment. I promptly reported the incident to Venmo, providing detailed proof and screenshots to substantiate my claim. 

Previous Claim : It is important to note that I have successfully filed a similar claim in the past with Venmo for a lesser amount, and it was approved. The key difference this time is that I used my Venmo balance for the payment, leaving me unable to dispute the transaction with my bank. 

Proof Submitted : I have attached all necessary documentation, including screenshots of the XXXX XXXX conversation, evidence of the promised goods, confirmation of the Venmo payment, and subsequent blocking by the scammer. These documents clearly illustrate the fraudulent nature of the transaction. 

Venmo 's Response : Despite presenting compelling evidence and highlighting the similarities to a previously approved claim, Venmo has denied my request for reimbursement. The denial is perplexing and leaves me without recourse for recovering the funds that were fraudulently taken from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 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:
The information contained in your reporting to credit reporting agencies is inaccurate and incorrect and has caused major harm to my character, general reputation, personal characteristics, and mode of living. The inaccuracies contained therein are a clear violation of my rights under the Fair Credit Reporting Act and the Privacy Act of 1974, as amended in 5 U.S. Code 552a.

The inaccuracy of account information is a violation of my rights under 15 U.S. Code 1681e.

The reporting of a charge-off is a violation of my rights under 15 U.S. Code 1681c.

Per the IRS publication on income reporting : charge-offs are considered income. Income can not be reported to my credit file.

The reporting of transaction history is a violation of my rights under 15 U.S. Code 1681a. 
As such, I am now invoking my right as a federally protected consumer, to opt out of all authorization of reporting I, the consumer, may have given you whether written, un-written, verbal, and/or non-verbal per 15 U.S. Code 6802.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-18 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:
The information contained in your reporting to the credit reporting agencies are inaccurate and incorrect and has caused major harm to my character, general reputation, personal characteristics, and mode of living. The inaccuracies contained therein are a clear violation of my rights under the Fair Credit Reporting Act and the Privacy Act of 1974, as amended in 5 U.S. Code 552a.

The inaccuracy of account information is a violation of my rights under 15 U.S. Code 1681e.

The reporting of a charge-off is a violation of my rights under 15 U.S. Code 1681c.

Per the IRS publication on income reporting : charge-offs are considered income. Income can not be reported to my credit file.

The reporting of transaction history is a violation of my rights under 15 U.S. Code 1681a.

As such, I am now invoking my right as a federally protected consumer, to opt out of all authorization of reporting I, the consumer, may have given you whether written, un-written, verbal, and/or non-verbal per 15 U.S. Code 6802.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-18 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: SC

Complaint narrative:
On XX/XX/XXXX, my Experian credit score inexplicably dropped XXXX points. The following day, I received a notification from Experian stating my XXXX XXXX Bank account was 30 days past due. However, my credit report incorrectly reflected it as 60 days late. 

I immediately disputed the error electronically on XX/XX/XXXX. The next day, Experian claimed the dispute was " updated, '' but no changes were made. They insisted the creditor 's information was accurate and refused further disputes. Also, I was told they would not accept another dispute against the account. 

Unconvinced, I mailed a detailed letter on XX/XX/XXXX, including copies of my XXXX XXXX statements proving the inaccuracy. While Experian acknowledged receiving the dispute on XX/XX/XXXX, again, they said the creditor was correct. Despite my previous disputes and the evidence provided, the inaccurate late payment information remains on my report. This has resulted in a significant drop in my credit score, causing me hardship. 

I kindly request an immediate investigation into this matter and correction of the inaccurate late payment information. 

Thank you for your time.

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 2024-02-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I received a XXXX debit card with {$100.00} on it as a compensation for alot of problems I had with XXXX. That card was issued to me during Covid and I could not use it within the 1 year they gave me until it expired. They will not reissue me a new 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 2024-02-18 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: Westlake Services, LLC
State: NJ

Complaint narrative:
Westlake financial services continues to report a balance on my credit report when they don't own the debt anymore. Westlake financial failed to send me required disclosure stated in UCC 9-611. ( NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. ) Therefore making the contract invalid. According to CFR 1006.100 Westlake should have record, proving they followed appropriate guidelines and rules stated by FDCPA. My claim is they didn't follow FDCPA while violation on my rights in the process.

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 2024-02-18 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: NJ

Complaint narrative:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement. 

As I know the creditor didn't notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 

1. I was never late and this is inaccurate and an FCRA violation. 
XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

2. I was never late and this is inaccurate and an FCRA violation. 
XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

3. I was never late and this is inaccurate and an FCRA violation. 
XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

4. I was never late and this is inaccurate and an FCRA violation. 
XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

5. Late Payment Law Letter finance charge XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 


As a consumer by law, these accounts on this letter must be updated or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated.

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