vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-13 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: KY

Complaint narrative:
Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 
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 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 2024-07-13 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: KY

Complaint narrative:
Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 
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 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 2024-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute incorrect personal information on my credit report. The addresses 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  ] listed do not belong to me. Non mailable address. Please investigate these inaccuracies and remove them from my record. 

Enclosed are copies of my identification and proof of residence for your reference.

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 2024-07-13 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The listed inquires and credit card accounts are fraudulent and must be removed from my credit report immediately.

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 2024-07-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
15 usc 1666b clearly states.

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 information in section 1637b needed to be mailed to me within 21 days which never happened.

Basis of Dispute : 1. Timely Notice : The information in section 1637b was not mailed to me within 21 days.

2. Billing Error : According to 15 U.S.C. 1666 ( b ), I am entitled to dispute billing errors, including charges for which I am not responsible.

3. Disclosure Requirements : Under 15 U.S.C. 1637 ( b ), creditors are required to provide clear and accurate disclosures of finance charges, including late fees. I assert that the late payment fee applied does not meet these requirements due to the timely nature of my payment.

I would like a written confirmation that the late payment charge has been removed from my account.

Please acknowledge receipt of this dispute within the time frame required by law and inform me of the results of your investigation. I appreciate your prompt attention to this matter and expect a resolution within the timeframe outlined by the Fair Credit Billing Act. 
Thank you for your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 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: SC

Complaint narrative:
This listed information should be removed from my credit report, I sent multiple disputes bureaus are not responding to my claims of inaccurate false information that cannotbeverified, The bureaus have not sent anything in response and have to provided any propervalidation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 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: DISCOVER BANK
State: CA

Complaint narrative:
Discover provides me with information on my credit report that is incorrect, inaccurate information! 
Discover account # XXXX Date open : XX/XX/year> Secured card : {$300.00} Highest amount {$440.00} Called with a good faith call to have it removed, with no success! 
This fraudulent account has been hurting my credit health for years. 
This is not my account, I have never had any such knowledge of this account! 
15 USC1681b Note : unfortunately at the time of the card being opened I was in fact XXXX  for past blunders!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-13 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:
I was reviewing a copy of my credit report and notice there where some late payments on my account that are inaccurate Payment dates follow 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 2024-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have submitted several disputes by mail and have yet to receive any response or update to my credit reports. My disputes have not been investigated but constantly ignored and this is problematic. I have called by phone and still have not been helped properly. I am a victim of ID theft and not one of these companies have assisted me throughout my process that began over sixty days ago.

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 2024-07-13 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have submitted several disputes by mail and have yet to receive any response or update to my credit reports. My disputes have not been investigated but constantly ignored and this is problematic. I have called by phone and still have not been helped properly. I am a victim of ID theft and not one of these companies have assisted me throughout my process that began over sixty days ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-13 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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, has violate 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 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 2024-07-13 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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, has violate 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 2024-07-13 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The listed inquires and credit card accounts are fraudulent and must be removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-13 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The listed inquires and credit card accounts are fraudulent and must be removed from my credit report immediately.

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 2024-07-13 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: TX

Complaint narrative:
I was reviewing a copy of my credit report and notice there where some late payments on my account that are inaccurate Payment dates follow XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/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 2024-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was reviewing a copy of my credit report and notice there where some late payments on my account that are inaccurate Payment dates follow XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Kirschenbaum & Phillips P.C
State: NY

Complaint narrative:
Kirshenbaum & Phillips, P.C., is continuously harassing me by mailing a copy of a lawsuit summons every other day although I already submitted an answer to the court. I would like for them to stop harassing me by sending the same summons to my home every other day. I would contact the law firm, but after reading poor XXXX reviews, I am concerned with giving my personal information and trying to work with them. I am hoping that the XXXX XXXX district attorney can assist me with this harassment. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 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: NJ

Complaint narrative:
XXXX closed my credit card after 90days of missed payments then proceeded to continue to charge the credit card interest and fees for 6 months after closure. My limit on the card was {$7500.00} which had not been exceeded before the company closed the account. After closing the account, an additional {$3000.00} dollars in interest and fees was applied to the outstanding balance and reported to the credit bureau as the amount owed. They also reported this amount on my spouses credit report when her name is not included on the account. I am going to seek legal action against XXXX XXXXXXXX as after calling them multiple times, the customer service folks laughed in my face.

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 2024-07-13 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I sent a letter to National Credit Adjusters on XX/XX/year> requesting validation of a debt. The amount that NCA is claiming to be owed is {$970.00}. They have failed to acknowledge or respond to my request. It has been 32 days. NCA is continuously reporting negatively to all three credit bureaus. I believe that they are in violation of FCRA when it comes to reporting and validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 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: NC

Complaint narrative:
I make the following claim to request the elimination of the following events that were published in my credit reports without my authorization and that impactfully affects the acquisition of assets and benefits for my family and myself. 
XXXX, TransunionXXXX 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 2024-07-13 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: NC

Complaint narrative:
I make the following claim to request the elimination of the following events that were published in my credit reports without my authorization and that impactfully affects the acquisition of assets and benefits for my family and myself. 
XXXX, XXXX, Equifax 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 response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
15 USC 1692-c If a consumer notifies a debt collector that the consumer refuses to pay, the debt collector must cease all communications with the consumer

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-13 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: PR

Complaint narrative:
This account not reflecting the date of first delinquency illegally being changed ( should reflect the month of the first delinquent ). This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account property and you neglect has violated my rights. I am demanding a deletion of the following acount : EXPERIAN : 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 2024-07-13 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: CITIBANK, N.A.
State: TX

Complaint narrative:
XXXX and Citi are still reporting that this credit card belongs to me. I thought we had successfully ended this the last time I reported it. It was removed and I had received a letter in the mail from Citi stating that they had no record of me on file, XXXX removed it for a long while after that. Yet I go checking my credit report today and lo and behold it's back! I'm not sure how they can claim I'm a unauthorized third party now, and claim that I owe them a debt for a credit card that I was only a authorized user of.

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 2024-07-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
On XX/XX/XXXX, I entered into a new lease on a new XXXX Nissan XXXX ( effectively ending my lease on my XXXX Nissan XXXX early, i.e. maturity date XX/XX/XXXX ). On the same date ( XX/XX/XXXX ), XXXX XXXX told me orally & in writing that I would not be responsible for the last payment on my XXXX lease ( {$370.00} ) as they were purchasing the vehicle. In a letter dated XX/XX/XXXX, Nissan Motor Acceptance Corporation has declared my " XXXX '' account in default.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC
State: KY

Complaint narrative:
Re : Aldous and Associates acct : XXXX, opened XX/XX/2020, highest balance {$100.00} Regarding Fair Debt Collection Practices Act Violation Dear CFPB, I am writing to file a complaint against Aldous and Associates for violating the Fair Debt Collection Practices Act ( FDCPA ). 
These debt collectors placed a collection items on my credit report without providing me with the required validation information under 12 CFR 1006.34 ( b ) ( 5 ). Additionally, they did not give me a chance to dispute the debt according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

These actions constitute deceptive means of debt collection as they furnished information to credit reporting agencies without proper disclosure, in violation of 12 CFR 1006.34 ( d ) and 15 U.S.C. 1681-5 2 ( 7 ) ( a ).

I request that the CFPB investigate this matter and take appropriate action against the debt collector. Due to investigation I am also requesting debt validation information from the collection agency, including : * An explanation of the alleged account balance * A complete breakdown of the account balance, including a payment history * Documentation of my agreement to pay the debt ( including signature ) * Documentation of my permission to report the debt on my credit report * A copy of the purchase agreement that grants them the right to collect * A copy of their state license number authorizing them to collect in your state * Chain of custody documentation for the debt I have not provided any consent to the collection agency, and using my social security number without my permission may be considered identity theft. I have report them to the appropriate authorities, they fail to provide the requested information. Due to investigation purposes, I ask that the above collectors do not reach out to me in no form of communication, through text/phone/emails. 

Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: FL

Complaint narrative:
I have send XXXX USD to XXXX from my XXXX XXXX  account and I have received the email stated Hi XXXX, All set. Your money transfer with XXXX XXXX has been sent and is estimated to be delivered in XXXX bank account by XXXX. 
Thanks for choosing us. 
It was not credited so I contacted the Western Union via chat from this morning but they are just answering like robots, not even answering to the questions. Even I do not know where money is and when it will be reverted or credited.

Company response to consumer: Closed with monetary relief