vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-25 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: PA

Complaint narrative:
I recently received a copy of my ( XXXX, Equifax, or XXXX ) credit report, and I noticed some late payments posted on my credit report dating XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
I HAVE NEVER BEEN LATER ON THIS ACCOUNT ( XXXX # XXXX ) I was never late on this account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, please DELETE this alleged late payment from my credit report per 15 USC 1681b. 
XXXX XXXX XXXX is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include - ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

I called on XX/XX/XXXX at XXXX XXXX  eastern standard time and let the representative know I was recording the phone call. I made the company aware of the violations/law they were breaking. The rep acknowledged that they were reporting late transactions and will continue to do so. Im not sure if this company has some sort of relationship with the Credit reporting agencies to report transactions but I will be seeking legal actions against this company, for which I will be seeking {$1000.00} per violation for : 1. Defamation of character 2. Negligent enablement of identity fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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:
My credit is important to me. I have a genuine concern regarding the inaccurate information on my credit report. These inaccuracies are creating constant stress whenever I can not get approved for new credit

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 2024-06-25 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: FL

Complaint narrative:
It is unacceptable to have this late payment on my account, given my history of making payments on time. Please remove it and update my account accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 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: FL

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 XX/XX/XXXX XXXX ) XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX ) XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX ) XXXX - XX/XX/XXXX XXXX ) XXXX XXXX XX/XX/XXXX XXXX ) XXXX # XXXX - XX/XX/XXXX XXXX ) XXXX XXXX XX/XX/XXXX XXXX ) XXXX  - XX/XX/XXXX XXXX ) XXXX  - XX/XX/XXXX XXXX ) XXXX - XX/XX/XXXX XXXX ) XXXX - XX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

The accounts below have violated my rights.

* 15 U.S.C 1681 section 602A. 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 an account without my written instructions.

* 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

* 15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: KS

Complaint narrative:
My accounts was never late! I have had exceptional payment history with 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 my 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 to be removed/updated.

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.

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!

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 2024-06-25 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: KS

Complaint narrative:
My accounts was never late! I have had exceptional payment history with 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 my 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 to be removed/updated.

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.

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!

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 2024-06-25 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: IL

Complaint narrative:
I do not recognize the account listed on my credit report from a creditor named XXXX XXXX XXXX. This is listed on my credit report as a collection account but does not tell me who the original creditor is. It says the account was opened XX/XX/year>. I never opened an account with this amount during this time period. There is no other listed company listed so Im unaware who the original creditor is and the information provided on my credit report is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 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 do not recognize the account listed on my credit report from a creditor named XXXX XXXX XXXX. This is listed on my credit report as a collection account but does not tell me who the original creditor is. It says the account was opened XX/XX/year>. I never opened an account with this amount during this time period. There is no other listed company listed so Im unaware who the original creditor is and the information provided on my credit report is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
I HAVE ASKED MY STUDENT LOAN SERVICER AIDVANTAGE FOR DOCUMENTS REGARDING MY LOANS THAT THEY CONTINUE TO TELL ME WILL BE PROVIDED BUT ARE NOT. I HAVE BEEN ASKING FOR THIS INFORMATION SINCE XX/XX/XXXX. IN XX/XX/XXXX I STARTED COMMUNICATING WITH AIDVANTAGE EMPLOYEE - XXXX XXXX. XXXX XXXX SAID THAT A FULL HISTORY OF MY ACCOUNT WOULD BE PROVIDED TO ME INCLUDING ALL STATUSES BUT IT NEVER HAS. MY STUDENT LOANS SHOULD HAVE BEEN FORGIVEN ALREADY BUT AIDVANTAGE IS WITHHOLDING INFORMATION NECESSARY TO SHOW A FULL ACCOUNT OF MY LOANS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: TX

Complaint narrative:
Formal Complaint Regarding Failure to Process Reinvestigation Request Dear Sir/Madam, I am writing to formally lodge a complaint against Experian for their failure to process my reinvestigation request in a timely manner, which has resulted in the violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

On XXXX XXXX XXXX, I submitted a reinvestigation request to Experian regarding inaccuracies on my credit report. Despite my efforts to resolve this matter, I have not received a response or any updates on the status of my request. The timeline of my actions and lack of response from Experian is as follows : XXXX. XX/XX/XXXX : I sent my initial reinvestigation request via certified mail, including all necessary documentation to support my claim. 
XXXX. XX/XX/XXXX : Having received no response, I sent a follow-up letter to Experian, XXXX via certified mail, reiterating my request for a reinvestigation and expressing my concerns about the lack of communication. 
XXXX. XX/XX/XXXX : With still no response, I attempted to contact Experian by phone. I was unable to reach a representative and left a detailed voicemail requesting a status update. 
XXXX. XX/XX/XXXX : I sent a final written request via certified mail, demanding immediate action on my reinvestigation request and warning of my intention to file a complaint with the Consumer Financial Protection Bureau if no action was taken. 

As of today 's date, XX/XX/XXXX, I have not received any response or update from Experian. This lack of action has severely impacted my ability to secure credit and has caused significant stress and inconvenience. 

The Fair Credit Reporting Act mandates that credit reporting agencies must investigate disputes within 30 days of receipt. The failure of Experian to process my request within this legally required timeframe is a clear violation of my rights as a 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 2024-06-25 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: FL

Complaint narrative:
PLEASE BLOCK AND REMOVE I urgently request the prompt removal of these unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize them. Please rectify this 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 2024-06-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
XXXX Received an inaccurate bill ( {$620.00} ) for XXXX XXXX done on XX/XX/XXXX. I did not have this procedure done on this date. I called XXXX XXXX XXXX XXXX  as soon as I received the bill, spoke with XXXX XXXX and explained to him that the XXXX was actually done on XX/XX/XXXX, and I paid for it ( {$530.00} ). I sent him the receipt by email ( on XX/XX/XXXX ) and the mistaken bill was resolved. 

XX/XX/XXXX, I received a phone call from the billing department of XXXX XXXX stating that I still owed the mistaken bill of {$620.00}. I explained the situation again. I asked to speak to a supervisor and get it in writing that the issue was resolved. She told me that the supervisor would call me back but I never heard back. 

XXXX I receive another bill, but this time for a different amount ( {$520.00} ) for a XXXXXXXX that I did not receive on XX/XX/XXXX. I called and disputed the mistaken bill again. 

XXXX I received another copy of the same mistaken bill. 

XXXX I send a letter in writing, explaining that this XXXX was NOT performed, wrote out all of the communication that I took ( same as above ), and sent in a request to dispute the charges, remove the bill, and cease all communication with collections, I also included all receipts of letters and paid bills. I did not receive a response. 

XXXX Sent a second written letter to XXXX XXXX XXXX explaining the whole situation again, and sent in copies of all letters, bills, and receipts. I have not received a response. 

XXXX XXXX Received a letter from Progressive Management Systems XXXX stating that I still owed {$520.00}. I sent a letter ( XX/XX/XXXX ) explaining the mistaken bill and also sent all copies of letters, bills, and receipts to Progressive Management Systems. I have not received a response. 

XXXX Progressive Management Systems contacted all credit bureaus and reported a collections, which has now affected my credit report by decreasing it by XXXX points. I have just submitted an account dispute with XXXX. Progressive Management Systems have contacted the credit bureaus without trying to even resolve their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/year> my debit c ardm was used for {$.00}, XXXX, XXXX, XXXX. XXXX, XXXX, XXXX a XXXX XXXX XXXX. This is a transportation company that only operates in California. I have never been to California nor used this company for any service or products. 
When I made the claim it was denied and the agent stated it was because the card was used in person which is physically impossible. 
I was then told it was denied because the claim included a charge from XXXX for XXXX, Which was a mistake and I asked them to remove it several times from the claim. 
They have refused my claim and refuse to reopen it. These fraudulent charges and they refuse to give any assistance. Also there was a charge for XXXX XXXX in XXXX for XXXX the same day. 
This is XXXX customer service. I have spoken to their compliant department several times. even though they admit that they can see it is not my charge they refuse to assist. This is not the first time they have refused assistance with fraudulent charges on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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:
I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me. 
For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ). 
A copy of the records used to verify the cancellation of my accounts. 
An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me. 
For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ). 
A copy of the records used to verify the cancellation of my accounts. 
An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.

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 2024-06-25 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: CCF Intermediate Holdings LLC
State: VA

Complaint narrative:
I was trying to purchase a house and noticed i had damages on my credit report and according to 15 US c 1681 law there should not be any damage to my report this is defamation of charater

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: TX

Complaint narrative:
I am writing to complaint to EXPERIAN about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, and my name is XXXX XXXX XXXX XXXX My birthdate is XX/XX/year>. The XXXX  report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with XXXX XXXX XXXX Section. XXXX that unambiguously obliges a described of the modus.

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