vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-17 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: GA

Complaint narrative:
Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Unauthorized Credit Reporting and Request for Removal of Debt Collector Accounts To Whom It May Concern, I am writing to formally dispute the inaccurate and unauthorized information being reported on my credit report by Experian. Specifically, the information pertains to the following debt collector accounts : XXXX XXXX XXXX XXXX : {$310.00} XXXX Funding : {$720.00} I am invoking my rights under the Fair Credit Reporting Act ( 15 USC 1681 ) and the relevant Code of Federal Regulations ( CFR ). Here are my specific concerns : No Contractual Obligation : I do not have any contractual obligation or agreement with either XXXX XXXX XXXXXXXX XXXX, or XXXX Funding. According to 15 USC 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including obtaining the consumer 's written consent. I have never given Experian written consent to furnish my information to or obtain it from these debt collectors. 

Violation of CFR : By reporting this information without my consent, Experian has violated several provisions of the Code of Federal Regulations, including but not limited to : 16 CFR Part 600 : General Provisions 16 CFR Part 601 : Procedures for Compliance with the Fair Credit Reporting Act 16 CFR Part 602 : Prescreen Opt-Out Notice These violations are significant, and I demand a remedy for each infraction.

As per 15 USC 1681i, I demand an immediate investigation into this matter. 

Please address this matter promptly and confirm receipt of this letter. 

Thank you for your immediate attention to this urgent matter. 
Best

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 2024-06-17 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: AZ

Complaint narrative:
Dear Transunion I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 


XXXX. This Account is in violation of 15 U.S. code 1681A ( 4 ) for consumer right to privacy.This bankruptcy shouldn't be on my credit/consumer report. 
XXXX  XXXX BANKRUPTCY Case Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

7. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit 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 non-monetary relief
Consumer complaint received 2024-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: DC

Complaint narrative:
Truist Bank -- offers business checking for individual XXXX 's with single taxpayer ID number or social security number. 
Truist Bank issues a business checking XXXX XXXX. This account has options for merchant services, XXXX payments, checks, debit card options for purchases and ATM deposits. 
The XXXX XXXX Checking account pays POS transactions or purchases are paid by overdraft privileges or automated system without the option to opt in or out. A {$36.00} overdraft fee is immediately assessed to the customer account balance. Truist Bank advised account holder there's no Option to opt out of the overdraft service. If the account is low in funds less than {$36.00}... it approves purchases, overdrafts the account and the balance is goes negative regardless. Truist Bank pays up to XXXX -- per day limit. Customer has to pay the purchase and the assessed fees within XXXX. If the account is overdrawn over XXXX the account is frozen if it's negative. Deposits can be made, although the overdraft system is reset and will pay purchases once it goes positive and assessments of {$36.00} ; are again applied. Truist Bank doesn't offer the option to turn off this feature on this account type. Business Checking also asseses a 1 % fee on incoming XXXX payments, which are calculated on monthly basis. XXXX XXXX attached to this type account incur maintenance fees @ $ 49 monthly plus 3 % per transaction. 
For ; a single owner or sole proprietor the fees for this type account can often cause the account to go low or overdrawn.

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 2024-06-17 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: OH

Complaint narrative:
BELOW IS THE NON-COMPLIANT ACCOUNT THAT VIOLATES FCRA REGULATIONS AND HAS NOT BEEN CERTIFIED UNDER A TESTIMONY OF FACTS. 

XXXX ACCOUNT # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 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: IL

Complaint narrative:
I would like to dispute the following inquiries i never authorized.

XXXX XXXX XXXX XX/XX/2022
XXXX XXXX XX/XX/2022
XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 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 2024-06-17 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: IN

Complaint narrative:
I did not instigate these inquiries and have suspicions of their fraudulent nature. I request a comprehensive investigation and their swift removal from my credit report. Supporting documents have been provided for your examination.

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 2024-06-17 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: IN

Complaint narrative:
I did not instigate these inquiries and have suspicions of their fraudulent nature. I request a comprehensive investigation and their swift removal from my credit report. Supporting documents have been provided for your examination.

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 2024-06-17 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: NE

Complaint narrative:
Could you please remove the inquiries reported in my report? I have already filed a dispute letter for them and am seeking a response indicating that you will address these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: IL

Complaint narrative:
I did not permit this inquiry, and I have not had any contact with this lender on the date mentioned.

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 2024-06-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: NY

Complaint narrative:
Someone purchased a phone from an XXXX XXXX XXXX store in Massachusetts ( where I dont reside ) and used my social security number to obtain the device and then did not pay for it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: IL

Complaint narrative:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of anxiety and distress, and I am pleading with you to remove them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: IL

Complaint narrative:
I did not instigate these inquiries and have suspicions of their fraudulent nature. I request a comprehensive investigation and their swift removal from my credit report. Supporting documents have been provided for your examination.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. I have disputed this account in the past several times, the result comes back verified every time and I sent other letters after they sent the result saying it was verified and I requested of them to send information concerning Its my understanding that the credit bureaus have investigated this account and it keep coming back as verified. You failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. I'm demanding the deletion of the following account. 
XXXX  XXXX According to The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner that is fair and equitable to the consumer. The FCRA emphasizes the confidentiality, accuracy, relevancy, and proper utilization of consumer information include : Consumer reporting agencies must follow reasonable procedures to assure the maximum possible accuracy of consumer reports. Ive listed below some inaccuracy that I found with this account -The open date is different from XXXX XXXX -It 's a violation because all three are not consistent -The high credit is different from XXXX- It's a violation because all three are not consistent -The last reported is different from XXXX and XXXX -It 's a violation because all three are not consistent -The 'date last active ' is different from XXXX and XXXX-It 's a violation because all three are not consistent The 'date of last " payment is different from XXXX and XXXX 's a violation because all three are not consistent As far as the payment history is concerned, your company reported on time payments XXXX XXXX XXXX and then start reporting 120 days on XX/XX/year> and then it goes back to on time payment on XX/XX/XXXX, which means the payment history is not consistent with the other two bureaus. 

Please delete immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 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: GA

Complaint narrative:
My account with XXXX XXXX, XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX, XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those accounts to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor 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. 


XXXX XXXX, XXXX XXXX, Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
This was paid and settled in XX/XX/year>, I spoke with a representative on the phone along with my real estate agent to ensure this would be paid and deleted off my credit report. They assured me that it would and sent me an email stating this. The debt has been paid for over a year and yet it still remains only on my XXXX credit report. Please have them remove this, I am trying to purchase a home, this is rendering my availability.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: PA

Complaint narrative:
I believe that FCRA 605B mandates the removal of any incorrect accounts from my credit report. Can you review the documents? Several listed accounts have inaccuracies in their reporting, including wrong amounts and dates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
We paid off the home mortgage in XX/XX/year>. NewRez sent us the title to our home in an inconspicuous envelope that we nearly threw away before opening. We understand that mortgage companies by law must refund escrow within 20 business days. We never received the check they said they mailed, probably because the envelope was inconspicuous. We never received it. When we called them they said they would stop payment on the check, then asked us for our checking account information so they could transfer the escrow. That never happened. But, the amount they said they owed us was incorrect by {$540.00}, i.e., they claimed the amount was {$1600.00}, but it is {$2200.00}. 

Because of this situation, we were delinquent in making a property tax installment. They could have at least made the payment since they withheld the escrow. 

Every time I called to discuss the situation their automated answering could never identify me by loan #, telephone #, or last 4 digits of my SS #. The last time I spoke to a representative they listened, said they'd help clear the situation up, then placed me on hold indefinitely. This happened 2 times one day and 3 times the next.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: IL

Complaint narrative:
I am exercising my right to have these accounts, which are inaccurately reported on my credit file, disputed and investigated. The Fair Credit Report Act stipulates that I should be awarded {$1000.00} for each false report. I recognize that FCRA 605B requires reporting any incorrect accounts on a consumer 's 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 2024-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: American Credit Acceptance, LLC
State: AL

Complaint narrative:
American Credit Acceptance is steady making changes to my credit file to further hurt my credit report, upon research I saw that they formally been sued. American credit acceptance went against the FCRA and made false changes from years on my report. If this tradeline isnt removed immediately, I will push the issue further far as court to get this information corrected, I have kept all receipts! If this account is supposing closed, there is no way you should go in and change and say I was LATE on payments from 2 years ago when I was NOT! I also have a previous complaint from XXXX of American credit acceptance saying that they will mark a month as no data but when back and changed it after the account has closed! I will push to sue this company if this remain on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: IL

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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