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

Complaint narrative:
RE : Trafficking Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX - XXXX - XXXX - {$14000.00} XXXX XXXX XXXX XXXX XXXX - XXXX - {$500.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.

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 2024-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have thoroughly assessed my current credit report and noticed various accounts that I think are incorrect and were added without my knowledge.

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 2024-10-09 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: OR

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 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I tried to apply for a credit card at my XXXX XXXX on XX/XX/2024 and I was declined despite having my Checking and XXXX savings accounts totaling over {$48000.00} with no payment issues. I can't identify what's on my XXXX credit reports that is not allowing me to get approved for a credit card, on XX/XX/2024 I tried getting a Credit Card from XXXX XXXX  XXXX and was also declined. Their rejection letter referred to Bankruptcy information that is not valid. I believe someone has stolen my Social Security number and personal information. I have received alerts regarding my XXXX and Personal Info found in the 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 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Advanced Resolution Services Inc.
State: NV

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my XXXX XXXX. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXX A XX/XX/year> XXXX XXXX XX/XX/year> Late Payment XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 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: KS

Complaint narrative:
Unauthorized inquiries have appeared on my credit report today, and I dont understand why. I review my credit regularly, but this time there were unexplainable discrepancies. Refreshing my browser didnt help, as the inquiries were still there. I need the documents I sent to be carefully reviewed to resolve this quickly and permanently.

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 2024-10-09 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: AL

Complaint narrative:
RE : Trafficking Block Request To Whom It XXXX Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX - XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX - XXXX - {$14000.00} XXXX XXXX XXXX - XXXX - XXXX - {$500.00} Please block this information from my credit report within XXXX business days, pursuant to Section 605C of the Fair Credit Reporting Act.

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 2024-10-09 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: TX

Complaint narrative:
I am interested in processing disputes on my credit report to delete a remove all unauthorized items listed on my file. I am a victim of identity theft an have no knowledge of the accounts listed. This has caused major denials an needs to be reviewed an deleted asap. None of the accounts are following the FCRA guidelines. Please review an remove the listed accounts asap.

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 2024-10-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section XXXX ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I XXXX have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
XXXX ( dollar XXXX XXXX XXXX charged me {$630.00} in " late fees '' for " loss of revenue ''. This charge is because while driving the car was hit and totalled. I paid to get the car towed back to the closest XXXXXXXX XXXX XXXX lot. XXXX needs to 1. Charge this " loss of revenue '' fee to insurance and 2. Provide actual proof that they infact lost revenue due to not having any other vehicles available. XXXX charged this to the CC on file and I have tried to dispute this with Chase. Chase did no background research and said that XXXX provided them a contract stating I would pay late fees. This is accurate, I would pay late fees 'in the standard course of business ' should I keep the car out longer than the contracted period. However, this is not the standard course of business as the car was returned, but totaled, and this needs to go through insurance. Chase dragged their feet and never actually provided any answers unless I called and as such they are now stating that the timeline to close a dispute has passed and there is nothing more that can be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
My account with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXwas never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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.

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. 

XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, AND XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

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! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: M&T BANK CORPORATION
State: MA

Complaint narrative:
I opened the account on XX/XX/year> by depositing ( XXXX ) XXXX checks for {$940.00} each. I thought I was depositing a replacement check for XXXX and my XXXX check but instead of sending the replacement for the lost XXXX check, Social Security mistakenly sent me a replacement for my XXXX check. I deposited ( XXXX ) XXXX checks ; XXXX good and XXXX with a stop payment order. Bank immediately put a hold on the account and all attempts to explain and resolve were met with silence. Bank finally closed the account on XX/XX/year> saying they will remit the account balance of {$940.00}. They have not sent the funds a whole month later

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 2024-10-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: F.H. Cann & Associates, Inc.
State: MA

Complaint narrative:
This company keeps calling my family and harassing them. They are asking them for my personal information. The calls are happening constantly now. In a previous complaint they claimed they werent doing this, so they lied to me and this organization. Attached images of recent voicemails left on my partners phone.

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

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 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: GA

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A. states I have a right to privacy. 

15 U.S.C. 1681 Section 604 A. section 2 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 7 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 2024-10-09 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: OR

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 2024-10-09 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: NY

Complaint narrative:
I am a victim XXXX  XXXX XXXX. I have forwarded the pertinent information to Transunion. They have responded by stalling and requesting for further proof of address. I request that the account listed below be blocked within 4 days as per FCRA 1. XXXX XXXX XXXX. This account was obtained fraudulently as I am a victim XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I contacted all XXXX credit reporting agencies XXXX, Equifax, XXXX, and XXXX ( the creditor ) multiple times int he last year, most recently the last 3 days - each day about account number ending in XXXX. 

I have filed XXXX disputes with each credit reporting agency as to the accuracy of the information. The response each time from XXXX has been that they are reporting it accurately and the credit agencies do not correct the information. 

I have spoken with XXXX 's customer service department and charge-off department. XXXX 's charge-off department has confirmed that the debt was charged off on XX/XX/XXXX. They have claimed several things, but the last of which was today, XX/XX/XXXX. They state that they are reporting to all three credit reporting agencies that it was charged of on XX/XX/XXXX, so they, the credit agencies themselves are reporting this wrong on my report. 

I have spoken with all XXXX credit agencies several times each and they told me that XXXX must be reporting it wrong and that is why it is not showing accurately as a charge off. 

The account status remains " In repossession '' rather than " Charged off '' today, almost 2 years after it was charged off. 

This error is preventing me from being approved for the housing my family needs and I am powerless to do anything because no one involved will take responsibility.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 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: NJ

Complaint narrative:
I contacted all XXXX credit reporting agencies Experian, XXXX, XXXX, and XXXX ( the creditor ) multiple times int he last year, most recently the last 3 days - each day about account number ending in XXXX. 

I have filed XXXX disputes with each credit reporting agency as to the accuracy of the information. The response each time from XXXX has been that they are reporting it accurately and the credit agencies do not correct the information. 

I have spoken with XXXX 's customer service department and charge-off department. XXXX 's charge-off department has confirmed that the debt was charged off on XX/XX/XXXX. They have claimed several things, but the last of which was today, XX/XX/XXXX. They state that they are reporting to all three credit reporting agencies that it was charged of on XX/XX/XXXX, so they, the credit agencies themselves are reporting this wrong on my report. 

I have spoken with all XXXX credit agencies several times each and they told me that XXXX must be reporting it wrong and that is why it is not showing accurately as a charge off. 

The account status remains " In repossession '' rather than " Charged off '' today, almost 2 years after it was charged off. 

This error is preventing me from being approved for the housing my family needs and I am powerless to do anything because no one involved will take responsibility.

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 2024-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
portfolio recovery refuses to provide a paid debt letter after being paid the full collection the amount was {$2900.00} and they stated I should pay {$2000.00} and they would properly recorded with the credit agencies- to date they show a balance of {$840.00} though the debt was paid for {$2000.00} so it should be a XXXX balance. 
upon calling the XXXXXXXX XXXX XXXXXXXX advised they own the debt but portfolio recovery is reporting it as their debt on my credit - XXXX olcese rep states she can't do anything about it because i filed a dispute which I did not. portfolio recovery or weber olcese filed an internal dispute and refuse to provide me with a receipt and a paid debt letter for my mortgage company.

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

Complaint narrative:
The XXXX information in my credit file is the result of the unauthorized use of my social security number and other personal information. These accounts do not relate to anything I authorized or participated in. Additionally, the information on my report does not comply with the credit reporting law. I have evidence supporting a letter from the XXXX court of the XXXX XXXXXXXX XXXX XXXX United States. 
Again, I did not consent to my non-public information being shared and reporting on these items is neither fair nor equitable to me as a consumer. The following legal provisions describe my rights as a consumer:15 USC 1681 Section 602 A : Establishes my right to privacy.15 USC 1681 Section 604 A Section 2 : Prohibits a consumer reporting agency from providing an account without my written instructions.15 U.S.C 1681c ( a ) ( 5 ) : States that no consumer reporting agency may include adverse information that is out of date.15 U.S.C. 1681s-2 ( A ) ( 1 ) : Prohibits providing information that is known to be inaccurate.

Company response to consumer: Closed with explanation