vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to 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 explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
In XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I Contacted This Company Because My Monthly Government Benefits Was Loaded on My Card As THEY Are Every Month, I Tried Using My Card And All Transactions Would Not go Thru, I Contacted The Company And I Was Told That There Was A Restriction on My Card And I Couldn't Use it, I Asked Them Several Times WHY I Couldn't use My Card And What Was The Restriction? THEY Told Me They Couldn't tell me What was The Restriction And/or Why It Was A Restriction Which Doesn't Make Any Sense at All, THIS is Now XXXX XXXXXX/XX/year> And My Money is Still on My Card And I Still Can't Use it, This has Caused me to get Evicted From My Previous Residence Because I Couldn't Access The Funds to Pay Rent So Now I'm Being Forced to Live With Family Members..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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: FL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 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: TX

Complaint narrative:
I ordered my XXXX XXXX report after being alerted to do so because my personal information was included in a data breach. After receiving my XXXX XXXX report I noticed information that was inaccurate including a bankruptcy. I decided to freeze my XXXX XXXX report to prevent the misinformation to be used for fraud. I then disputed this information with the XXXX credit reporting agencies, XXXX, XXXX and Trans Union which included the bankruptcy. XXXX deleted the information as they could not verify it however, XXXX and Trans Union did not. I followed up with XXXX and Trans Union asking how they verified the inaccurate info associated with the bankruptcy. Trans Union responded they get the info from the XXXX XXXX and XXXX said they get the info from XXXX XXXX. I then contacted the Federal Courts and they sent me a letter stating they DO NOT share any information with the credit reporting agencies. I then contacted XXXX XXXX and they said they CAN NOT Share any information with XXXX since my file was frozen. I then sent letters to both Trans Union and XXXX wanting documented proof of how they are verifying the misinformation they're reporting concerning the bankruptcy. Instead of sending me proof they sent me letters stating that they are not going to investigate or provide the information to me because I'm not authorized or they believe my request was sent by a third party who was not authorized. I have received these same letters from Trans Union and XXXX before when they don't want to investigate or admit they are violating my rights by reporting inaccurate information. So, they're refusing to send me documentation that shows how they are verifying the inaccurate bankruptcy on 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 2024-06-04 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: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 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: TX

Complaint narrative:
I ordered my XXXX XXXX report after being alerted to do so because my personal information was included in a data breach. After receiving my XXXX XXXX report I noticed information that was inaccurate including a bankruptcy. I decided to freeze my XXXX XXXX report to prevent the misinformation to be used for fraud. I then disputed this information with the XXXX credit reporting agencies, XXXX, Experian and XXXX XXXX which included the bankruptcy. XXXX deleted the information as they could not verify it however, Experian and XXXX XXXX did not. I followed up with Experian and XXXX XXXX asking how they verified the inaccurate info associated with the bankruptcy. XXXX XXXX responded they get the info from the XXXX XXXX and Experian said they get the info from XXXX XXXX. I then contacted the Federal Courts and they sent me a letter stating they DO NOT share any information with the credit reporting agencies. I then contacted XXXX XXXX and they said they CAN NOT Share any information with Experian since my file was frozen. I then sent letters to both XXXX XXXX and Experian wanting documented proof of how they are verifying the misinformation they're reporting concerning the bankruptcy. Instead of sending me proof they sent me letters stating that they are not going to investigate or provide the information to me because I'm not authorized or they believe my request was sent by a third party who was not authorized. I have received these same letters from XXXX XXXX and Experian before when they don't want to investigate or admit they are violating my rights by reporting inaccurate information. So, they're refusing to send me documentation that shows how they are verifying the inaccurate bankruptcy on 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 explanation
Consumer complaint received 2024-06-04 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: NY

Complaint narrative:
Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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: Northern Trust Company, The
State: IL

Complaint narrative:
This is my refilling and requesting for the reinvestigation to XXXX TRUST was the aftereffect of their rebelliousness to my solicitation and for their refusal of getting the things, recorded underneath, to be taken out from my credit reports. They did not remove my request, which I thought was against the rules of the Federal Credit Reporting Act, nor did they respond to it. 
As a result, I am writing this complaint to ask for help blocking or deleting the items in question because they found to be illegal and incorrect. I have also attached the FTC reports to support this complaint with the FTC number 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 2024-06-04 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: TN

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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:
It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.

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 2024-06-04 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: IL

Complaint narrative:
It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 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: TX

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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: CO

Complaint narrative:
In accordance with the FCRA, the list of accounts below, has violated my federally protected consumer rights to privacy and confidentiality under 15usc 1681 .15 usc 1681 ( a ) states i have a right to privacy. 15 usc 1681sec.604 a section 2 states a consumer reporting agency can not furnish an account without my written instruction. further each company 's disclaimer clearly state they must have my consent to share my information. 15 usc 1681 c ( a ) ( 5 ) states any adverse information. 15 usc 1681s 2 ( a ) ( 1 ) a 681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. account number XXXX, account XXXX, account number XXXX, account number XXXX, account number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed 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 non-monetary relief
Consumer complaint received 2024-06-04 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CarMax, Inc.
State: LA

Complaint narrative:
I have reached out to CarMax about a repo dated XX/XX/XXXX. 
The amount of the fees is additional XXXX Total debt is XXXX They are updating the account EVERY MONTH refreshing the account as an active repo. Stating the last payment made was XX/XX/XXXX. It makes other creditors think it just happen and bring my score down.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-06-04 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: WA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-06-04 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: TX

Complaint narrative:
I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I made a deposit on XX/XX/XXXX, with a cashiers check that we paid extra for so that funds would be available. Was told at the bank the funds would be available, the next day XXXX XXXX received a message from the bank that the funds were being held until XX/XX/XXXX. Then they charged overdraft fees. All of this has placed a momentary hardship on our business. This is simply unfair.

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 2024-06-04 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: DC

Complaint narrative:
This one credit card company has flagged me as 30 days past late for the last 3 months, but each month ive made my payment well before 30 days. Ive disputed this with the credit bureaus, even attached the 3 months in question statements which don't show a past due amount and show my payments being made before its due date ( the XXXX of each month. They have yet to correct/remove those lates. For XXXX I made my payment on XX/XX/XXXX, but still logged in on the original due date ( XX/XX/XXXX ), and it read NO PAYMENT DUE, so how is it I have a late for XXXX of {$120.00}. if you look at my statements there's no past due amount listed.

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