vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-28 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: NC

Complaint narrative:
I requested Transunion to remove certain unauthorized credit inquiries from my credit report. Upon reviewing my credit report, I have identified several inquiries that I did not authorize. According to the Fair Credit Reporting Act ( FCRA ), these inquiries should not be included in my credit report without my explicit consent. 

The specific inquiries I am disputing are as follows : XXXX. Inquiry by [ XXXX XXXX XXXX  ] on [ XXXX ] XXXX. XXXX by XXXX XXXX XXXX  XXXX  XXXX ] on [ XXXX XXXX ] XXXX. Inquiry by [ XXXX XXXX XXXX ] on [ XXXX ] XXXX. Inquiry by [ XXXX  XXXXXXXX XXXX XXXX ] on [ XXXX ] XXXX. Inquiry by [ XXXX XXXX XXXX ] on [ XXXX ] XXXX. Inquiry by [ XXXX ] on [ XXXX ] Accordi

ng to 15 U.S. Code 1681b ( c ) of the FCRA , a credit reporting agency may only furnish a consumer report under specific circumstances, one of which includes the consumer 's authorization. I have not given my authorization for the above-listed inquiries, and therefore, they should be removed from my credit report immediately. Additionally, I am providing a copy of my identification and proof of address for verification purposes.

Please investigate this matter and remove these unauthorized inquiries from my credit report. I expect your prompt attention to this issue and a confirmation in writing that these inquiries have been removed.

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 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: VA

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.

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 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GATEWAY FIRST BANK
State: TX

Complaint narrative:
The payment due on XXXX XXXX, which is automatically deducted out of my checking account was reversed due to insufficient funds unbeknownst to me. On XX/XX/year>, a replacement payment was automatically deducted from my checking account at the XXXX  days past due mark. A subsequent payment to bring the account current was made on XX/XX/year> once I had been made aware of the infraction. However, Gateway Mortgage still erroneously reported the XXXX payment over 30 days past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: MD

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 15 U.S.C. 1681n, 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 2024-10-28 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: SC

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 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 was a victim of ID theft a while ago. I was informed that there was an data breach with XXXX. I pulled my credit report and noticed that I had an unauthorized account my credit report. I contacted the company and they send me a letter to have it removed from my credit report. 


XXXX XXXX XXXX acct # 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 2024-10-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: LA

Complaint narrative:
Subject : Dispute of Unauthorized Disclosure of Personal Information Dear Sir/Madam, I am writing to inform you that I recently discovered that my personal information was sold to a third party account without my consent. This unauthorized disclosure of my information is not only a violation of my privacy rights but also a breach of trust. 

The details of the unauthorized disclosure are as follows : - Date of unauthorized disclosure : XX/XX/year> - Details of the third party to whom the information was sold : Credit Control Services XXXX XXXX, MA XXXX I demand that you immediately cease any further disclosure of my personal information to any third party and take necessary steps to rectify this situation. I am also requesting a written confirmation that my information has been removed from your records and from the third party to whom it was sold. 

Failure to comply with my request may result in legal action being taken against your company. I expect a prompt and satisfactory resolution to this matter. 

Please respond to this dispute in writing within 30 days to confirm the actions taken to resolve this issue. 

Thank you for your prompt attention to this matter.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: MD

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 15 U.S.C. 1681n, 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 explanation
Consumer complaint received 2024-10-28 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: SC

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-10-28 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: SC

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-10-28 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: FL

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 : XXXXXXXX XXXX  XXXX / XXXX 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 EXPERIAN 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 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 2024-10-28 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: CA

Complaint narrative:
XXXX XXXX XXXX will not correct the late payment reporting for XX/XX/XXXX and XX/XX/XXXX. Due to a checking account error with XXXX 's financial app, the monthly payment, to XXXX, was not received by the monthly due date. I contacted XXXX to make a one-time payment and requested that no late payments be reported. XXXX stated that the account was in " good status ''. The same problem occurred in XX/XX/XXXX. I contacted XXXX to make a one-time payment and to resolve technical issues with their financial app. 

Prior to XXXX and XXXX XXXX, 100 % of payments were paid on-time. XXXX stated that's best to make payments thru their web portal. From XX/XX/XXXX to JXXXX XXXX, 100 % of payments were paid on-time and the car loan was paid off. The technical issues with XXXX 's financial app had created a situation that was quickly resolved by the customer. 

I'm requesting at the 30 day delinquency be removed from my credit reports.

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 2024-10-28 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 request a correction of the following information that appears on my Experian, XXXX. I was looking over my credit report recently and found a bankruptcy and am requesting you verify the accuracy of this entry. 

Experian and XXXX XXXX sent a response saying their verification came through XXXX ( attached copy ). When contacting XXXX their response was UNVERIFIABLE ( attached copy ). I have also attached letter from courts stating Experian or XXXX XXXX has never contacted them to verify information. 


The law is clear : If the CRA can not validate the information with the information furnisher, the CRA must remove said information from the credit file. According to the FCRA I have the right to an accurate consumer /credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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 am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
On XXXX XXXX I sent a Zelle payment of {$350.00} to the wrong recipient. It went to XXXX at XXXX. It was supposed to go to XXXX at XXXX. I have made multiple attempts to resolve this with my bank, XXXX, and Zelle and the recipient. No one will return my money. The recipient is also listed as XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: FL

Complaint narrative:
This debt collection company " Collection Management CO '' is being falsely reported on my credit report, as well as showing a past due balance which is against the FCRA ad i want them removed from my credit reports immediately. It opened on XX/XX/XXXX, and has already been removed from XXXX, but not XXXX  and XXXX. 
Its amount is for XXXX and showing an open balance on XXXX, while past due on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: CO

Complaint narrative:
NOTICE OF CONSUMER GRIEVANCE AND DEMAND FOR REMEDIAL ACTION To Whom It May Concern : I am formally addressing a troubling issue regarding my attempted purchase of a {$1000.00} item from XXXX, financed through Affirm. Upon delivery by XXXX, I was left a notice at my residence indicating the package was held at a designated XXXX location, specifically XXXX XXXX XXXX, XXXX, CO XXXX. Upon my arrival, I was informed by an employee that the item would be returned to the sender, XXXX, if not collected within 24 hours. Accordingly, I reached out to both XXXX and Affirm, requesting the transaction be canceled, as I have never taken possession of the product. 

Despite XXXX website guaranteeing a six-month return policy, they have stated a 25 % fee will apply to the refund. I assert that I should not be subject to any such fee, as the item has remained untouched and outside of my possession from the outset. Additionally, Affirm has continued to demand monthly payments despite extensive communication and documentation of my situation, including proof of exchanges with XXXX. In four weeks of attempts to reach a resolution, I have encountered inconsistent responses from Affirm representatives, some of whom have incorrectly claimed that payments are due even while the matter is under dispute. 

Further complicating the matter, XXXX advertised a promotional 25 % discount which was not applied to my order and a 30-day satisfaction guarantee for purchases through XXXX, which further reinforces my expectation of a straightforward resolution. 

Given that I have made every good faith effort to rectify this matter directly with both Affirm and XXXX, I have been compelled to report their conduct to the following authorities : The Colorado Attorney Generals Office XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Federal Communications Commission ( FCC ) The Office of Inspector General ( OIG ) The Consumer Protection Division If Affirms actions result in damage to my credit score, I am prepared to pursue all available legal remedies for fraud, harassment, and failure to exercise due diligence in line with good business practices.

Please consider this a final demand to rectify this situation without further delay. 

Case Reference : XXXX Loan ID : XXXX Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: GA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate based on the results of the reinvestigation and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report immediately ; 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