vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-10 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: CA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-09-10 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: NY

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 2024-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Capital Asset Recovery INC DBA Jacobson and Wright
State: NY

Complaint narrative:
A representative from Capital Asset Recovery DBA Jacobson & Wright left me voicemails claiming that the original loan company was threatening to take legal action against me. I confirmed with the original loan company that this was not true, then contacted Capital Asset Recovery again where their representative proceeded to state all my personal information including my full social security number and date of birth without confirming who he was speaking to. He again stated that the loan company was ready to move forward with legal action and when I asked for evidence of this as well as evidence of my debt owed, he became belligerent and threatened to hang up the phone and proceed with a civil lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC
State: WY

Complaint narrative:
on XX/XX/year> I received a call from Credit Control which I returned, see previous complaint and I requested that they verify the debt. The operator was rude and said he would send it and hung up. Instead, I received a bill with payment options from Credit Control LLC on behalf of XXXX XXXX XXXX neither of which I agreed to do business with. Credit Control LLC and XXXX are in violation of the Fair Debt Act by not providing the requested information and only sending a bill. I DO NOT OWE THIS DEBT AND HAVE NO IDEA WHO THESE TWO BUSINESSES ARE.

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 2024-09-10 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: MO

Complaint narrative:
I have no connection to the creditors mentioned, and the inquiries are not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-10 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: CBC Companies, Inc.
State: MA

Complaint narrative:
I was trying to resolve and identity issue that has been going on since 2005 when unfortuneltey lost my wallet on a city cab since then my life has gone to the birds I can have aphone with out harrasing calls I hace spoken to the creditors send the ftc report filed a complaint and dispute with the credit agencies as intructed by the creditor themselves and still nothing I ask them for results of investigation they give the run a round almost all the agencts cant speak c ; early in english and a lof of them just say not understanging and hang up on me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 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: TX

Complaint narrative:
I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act, Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) : XXXX XXXX XXXX : # XXXX, has violated my rights. 


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.

15 U.S.C. 1681EB Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2024-09-10 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: MI

Complaint narrative:
I hope this message finds you well. I am writing to express my concerns regarding The XXXX XXXX XXXX and XXXX XXXX automotive inquiries Despite my previous communications on this matter, I have not received an adequate resolution. 

I request that you review this situation and provide a response at your earliest convenience, as it is important to me that this issue is resolved promptly. 
According to the law XXXX XXXX these inaccurate inquiries must be removed from my credit report Thank you for your attention to this matter.

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 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under XXXX XXXX. XXXX, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc.
State: GA

Complaint narrative:
On XXXX XXXX a collection agency put a ding on my credit report stating that I owed {$250.00} to XXXX XXXX for service at XXXX XXXX XXXX, XXXX, CA XXXX with an account number of XXXX. When I call the automated line for XXXX they do not recognize this accunt number. 

I have never lived in XXXX California and am in no way affiliated with this debt. Someone stole my social security number years ago and I have had repeated instances with stolen identity to the point that I file taxes with a unique pin code yearly Interestingly, when I called the collection agency, they stated my name was not on the bill, however my social security number was and that my current name and address were verified by them and was not the name of the original bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
Numerous Times I have taken action to either lower interest rates so my monthly payment could be lower because I am in the military and I have been in multiple situations that effected me financially and I could not afford the month to month payments. I have excersied and exhausted my extensions playing catch up with Ally Bank multiple times such as XX/XX/XXXX agin next month XX/XX/XXXX then the following year XX/XX/XXXX and lastly XX/XX/XXXX. I have continuously worked efforts out to contact ally on numerous occasions but I was denied repeatedly any sort of fair treatment due to my hardship. I would love to have to participate In SRCA but i dont meet the requirements so I am taking a huge hit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 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: FL

Complaint narrative:
XXXX bank card is the credit company used by the Home Depot and Goodyear tire involved in this false and fraudulent debts under my name at XXXX 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 2024-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: FinCo Services Inc DBA Current
State: HI

Complaint narrative:
Initial Dispute : Date Opened : XX/XX/year> Date Closed : XX/XX/year> Transactions Disputed : XXXX XXXX XXXX  : {$39.00} ( XX/XX/year> ) XXXX XXXX XXXX  : {$40.00} XXXX XX/XX/year> ) XXXX XXXX XXXX : {$40.00} ( XX/XX/year> ) XXXX XXXX XXXXXXXX : {$20.00} ( XX/XX/year> ) XXXX XXXX XXXX : {$45.00} ( XX/XX/year> XXXX XXXX XXXX XXXX : {$200.00} ( XX/XX/year> ) XXXX : Amount unknown Dispute Result : Lost for all transactions Second Dispute ( Won ) : Date Opened : XX/XX/year> Date Closed : XX/XX/year> Transactions Credited : XXXX XXXX XXXX  : {$30.00} ( XX/XX/year> @ XXXX XXXX  ) XXXX XXXX XXXX XXXX {$30.00} ( XX/XX/year> @ XXXX XXXX  ) Dispute Result : Credited for both transactions Description of Issue : The initial dispute involved unauthorized transactions through XXXX XXXX and other merchants, which were incorrectly closed as lost. In contrast, a second dispute with similar unauthorized XXXX XXXX transactions was resolved in my favor. This inconsistency in dispute resolution is concerning. 

Key Communications : Raised concerns over the inconsistent outcomes between the XXXX disputes, noting that funds were transferred to XXXX XXXX accounts not under my name in both cases. 
Requested documentation on the findings from the investigation related to the initial dispute. Documentation was not provided. 
Emphasized that the decision contradicts Current Bank 's policies and federal regulations, requesting a reopening of the disputes. 
An agent offered to reopen the dispute but requested additional documentation. 
Current Status : I am preparing to escalate this issue with relevant regulatory bodies and consider arbitration if necessary. I seek a thorough investigation and resolution of all disputed transactions in accordance with regulatory standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX # XXXX - Balance {$390.00} XXXX XXXX XXXX XXXX XXXXXXXX - Balance {$1200.00} Date opened XX/XX/XXXX XXXX XXXX XXXX # XXXX - Balance {$370.00} Date opened XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXX - Balance {$220.00} Date opened XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX Date opened XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX - Balance {$5800.00} Date opened XX/XX/XXXX XXXX XXXX XXXX  - Balance {$1200.00} Date opened XX/XX/XXXX Unauthorized inquiries XXXX XXXX XXXX XXXXXX/XX/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 2024-09-10 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 a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX # XXXX - Balance {$390.00} XXXX XXXX XXXX XXXX XXXXXXXX - Balance {$1200.00} Date opened XX/XX/XXXX XXXX XXXX XXXX # XXXX - Balance {$370.00} Date opened XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXX - Balance {$220.00} Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date opened XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX - Balance {$5800.00} Date opened XX/XX/XXXX XXXX XXXX XXXXXXXX - Balance {$1200.00} Date opened XX/XX/XXXX Unauthorized inquiries XXXX XXXX XXXX XXXXXX/XX/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 2024-09-10 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: AL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-09-10 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: AL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-09-10 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 a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXXXXXX XXXX XXXXXXXX - Balance {$5000.00} Date opened XX/XX/XXXX XXXX # XXXX - Balance {$2900.00} -Date opened XX/XX/XXXX XXXX XXXXXXXX XXXX # XXXX -Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - Balance {$990.00} Date opened XX/XX/XXXX Unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: COAST PROFESSIONAL, INC.
State: FL

Complaint narrative:
We were contacted by Coast Professional , Inc. Regarding a debt with the XXXX XXXXXXXX XXXX- which is part of a tax fraud case by the accountant that I hired to do our taxes. They sent a letter to me regarding a debt that they said was still outstanding with the XXXX XXXXXXXX XXXX. I called the debt collection company and paid the total bill in full on XX/XX/XXXX. I received a confirmation number from the collection agency for the debt that was paid. I then was contacted by XXXX on XX/XX/XXXX requesting that we pay the debt. I told her the confirmation number and she looked the information up and said that the debt was indeed paid in full. I then received a call from XXXX on XX/XX/XXXX requesting that we pay the debt that was owed. I again shared with her the confirmation number that showed that we paid the debt in full. She pulled the confirmation number and saw that indeed it was paid in full. In XXXXXXXX XXXX XXXX I called the XXXX XXXX XXXX just to confirm that we had paid all debts in full. I spoke with XXXX and he said there was still an outstanding balance. The debt had just been returned to the XXXX XXXX  XXXX from the debt collection agency. I shared that it was paid over a year ago and gave the confirmation number. Today, XX/XX/XXXXXXXX XXXX XXXX  I called to see if the entire debt was taken care of. They were able to find the payment that I made through the debt collection agency over a year ago, but there is still a {$40.00} and some change amount due on the account. XXXX indicated that it was for interest during the time that it was not paid. I do not feel that I should be responsible for this interest that has been accruing during the time frame that the collection agency was holding my payment hostage for over a year from the XXXX XXXXXXXX XXXX. This is ridiculous and unacceptable. XXXX at the XXXX XXXXXXXX XXXX said he is talking with his superiors to see if I will still be held responsible for this interest payment. I feel that Coast Professional, Inc- who seems to be less than professional in their business practices- should be held responsible for this interest payment.

Company response to consumer: Closed with explanation