vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-14 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX 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 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 ) ( 1 ) 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.

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 2024-12-14 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX  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 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 ) ( 1 ) 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.

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 2024-12-14 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 ) ( 1 ) 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.

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 2024-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MN

Complaint narrative:
XX/XX/year> my automatic mortgage payment from XXXX XXXX bank did not go through to 5/3 bank which is our mortgage company. I received noticed via email and that there was a late fee. I called the banks right away and both denied it was on their end. The payment was reversed due to an account not found. My account info was never changed. I then paid immediately via phone and they said it wouldn't happen again. 

XX/XX/year> the same thing happened except due to insufficient funds. However funds were in the account and I paid again immediately over the phone. However the mortgage payment taken from my account was never applied or returned to my account. 

XX/XX/year> it happened a third time. I finally got both bank supervisors on the phone to try to resolve the problem but both denied the issue is on their end. 

I want this issue resolved immediately, for all late payments to be resolved, for my missing mortgage payment to be returned with interest for the time held, and guaranteed auto payment will continue in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Harris & Harris, Ltd.
State: AZ

Complaint narrative:
The company is breaking the law by failing to provide proper validation details as rerquested under 156SC 16828. Despite this they have added a collection to my credit report.I have already tried to resolve this issue directly with them but they continue to violate my rights. For each violation I am entitled to {$1000.00} that they must either compensate me or remove these accounts immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

List of Unauthorized Inquiries : XXXX XXXX XXXXXXXX 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 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 ) ( 1 ) 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.

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 2024-12-15 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: TX

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX XXXX XXXX XXXX, XXXX, GA, XXXX XXXX XXXX XXXX XXXX Account # XXXX Date Open : XXXX XXXX, XXXX Balance XXXX XXXX XXXX  Charge Off XXXX XXXX XXXX XXXX XXXX  Account # XXXX Date Open : XX/XX/XXXX Balance : XXXX XXXX Late/ Closed XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : XXXX XXXX  Late/ Closed XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ccount XXXX XXXX Date Open : XX/XX/XXXX Balance : $ XXXX Collection XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : $ XXXX Collection XXXX XXXX XXXXXXXX ( Original Creditor XXXX XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance : $ XXXX Collection

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 2024-12-14 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX 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 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 ) ( 1 ) 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.

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 2024-12-14 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Carter-Young, Inc.
State: NC

Complaint narrative:
No contract with this company. Validation and proof requested and never received.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: PA

Complaint narrative:
I am XXXX XXXX XXXX XXXXe agent on behalf of the XXXX XXXX XXXX XXXX, Estate. THIS IS NOT A DISPUTE, but rather a notice and complaint to correct and update unfair and inaccurate information being reported on behalf of the Estate. I recently checked the Principal 's credit report and observed late payment information being furnished to credit reporting agencies including but not limed to Trans Union, XXXX, and XXXX. Trans Union and XXXX is showing a late payment for the month of XXXX in XXXX  and XXXX is showing a late payment for the month of XX/XX/year>. How can this be? And if credit reporting for a Principal 's account must be 100 % accurate, fair, and complete, why is there an inaccuracy on the Principal 's credit report? The Principal is seeking new credit for personal, family, and household purposes and is being denied due to this error. I am seeking redress, to be compensated for damages in the amount of {$1000.00} for this error, and for the late payment information to be permanently deleted from the Principal 's file with XXXX XXXX XXXX XXXX and for the tradeline information to be updated with the credit reporting agencies to show that the " account '' is " payed as agreed ''.

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 2024-12-14 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 am XXXX XXXX XXXXXXXX, the agent on behalf of the XXXX XXXX XXXX XXXX, Estate. THIS IS NOT A DISPUTE, but rather a notice and complaint to correct and update unfair and inaccurate information being reported on behalf of the Estate. I recently checked the Principal 's credit report and observed late payment information being furnished to credit reporting agencies including but not limed to XXXX XXXX, XXXX, and Equifax. XXXX XXXX and XXXX is showing a late payment for the month of XXXX in XXXX and Equifax is showing a late payment for the month of XX/XX/year>. How can this be? And if credit reporting for a Principal 's account must be 100 % accurate, fair, and complete, why is there an inaccuracy on the Principal 's credit report? The Principal is seeking new credit for personal, family, and household purposes and is being denied due to this error. I am seeking redress, to be compensated for damages in the amount of {$1000.00} for this error, and for the late payment information to be permanently deleted from the Principal 's file with XXXX XXXX XXXX XXXX and for the tradeline information to be updated with the credit reporting agencies to show that the " account '' is " payed as agreed ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 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: PA

Complaint narrative:
I am XXXX XXXX XXXXXXXX, the agent on behalf of the XXXX XXXX XXXX XXXX, Estate. THIS IS NOT A DISPUTE, but rather a notice and complaint to correct and update unfair and inaccurate information being reported on behalf of the Estate. I recently checked the Principal 's credit report and observed late payment information being furnished to credit reporting agencies including but not limed to XXXX XXXX, Experian, and XXXX. XXXX XXXX and Experian is showing a late payment for the month of XXXX in XXXX and XXXX is showing a late payment for the month of XX/XX/year>. How can this be? And if credit reporting for a Principal 's account must be 100 % accurate, fair, and complete, why is there an inaccuracy on the Principal 's credit report? The Principal is seeking new credit for personal, family, and household purposes and is being denied due to this error. I am seeking redress, to be compensated for damages in the amount of {$1000.00} for this error, and for the late payment information to be permanently deleted from the Principal 's file with XXXX XXXX XXXX XXXX and for the tradeline information to be updated with the credit reporting agencies to show that the " account '' is " payed as agreed ''.

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 2024-12-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I was sued by Lvnv Funding, Llc, never received a summons or any paperwork in the mail and my local XXXX XXXX  issued a default judgement against for {$1100.00} along with a lien against income tax. I never had a credit card with that company, I would have shown up for court had I of received correspondence with a court date. Doesn't seem fair or legal nor are they licensed in Michigan Lvnv Funding, Llc Debt collection agency in XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: PA

Complaint narrative:
I am writing to formally dispute several accounts that l believe to be fraudulent and have negatively impacted my credit report. 
Below is a detailed list of the accounts in question : I recently reviewed my credit report and discovered several unauthorized inquiries that appear to be the result of identity theft. These inquiries are negatively impacting my credit as I am in the process of buying a home. Please remove the following accounts from my report : Diversified adjustment ACCOUNT NUMBER XXXX, XXXX. XXXX XXXX ACCOUNT NUMBER XXXX, XXXX XXXX ACCOUNT NUMBER XXXXXXXX XXXX XXXX XXXX  ACCOUNT NUMBER XXXX, XXXX XXXX XXXX ACCOUNT NUMBER XXXX, XXXX & XXXX ACCOUNT NUMBER XXXX. I have not authorized any transactions or accounts with these institutions, and I believe these entries are the result of identity theft or fraud. I kindly request an investigation into these accounts and the removal of any fraudulent entries from my credit report. ese accounts and their immediate removal from my credit report. I have attached a copy of the FTC report as well as my ID etc.

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 2024-12-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: DE

Complaint narrative:
In XX/XX/year>, I unexpectedly lost my job, which led to financial difficulties in making my regular monthly payments for the billing periods of XXXX and XXXX. While awaiting the deposit of my retirement funds, I reached out to Jetblue Credit Card for assistance.. Unfortunately, a certified mail I sent through the post office was lost, further complicating my situation and intensifying the financial strain. Despite this, I contacted JetBlue and arranged a payment plan, the terms offered were financially out of my reach considering I was just getting back on my feet. However, despite our disagreement, Jet Blue refused the payment amount offered and reported my account as late to the credit bureaus and added additional fees, which caused my credit score to drop significantly from XXXX to 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 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX, XXXX XXXX, GA, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX GA, XXXX XXXX XXXX XXXX Account Number XXXX Open Date XXXX XXXX, XXXX Balance : {$1600.00} Charged Off XXXX XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX Account Number XXXX XXXX XXXX XX/XX/XXXX Balance : {$15000.00} Charged Off XXXX XXXX XXXX Account Number XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00} Charged Off XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) Account Number XXXX XXXX XXXX XX/XX/XXXX Balance : {$6400.00} Collection Inquiries in Dispute : 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