vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Omega RMS, LLC
State: CA

Complaint narrative:
I took out this loan on behalf of a business I am no longer with. I am attaching the agreement, which fell under XXXX XXXX XXXX XXXX. I am no longer responsible for this debt. Despite my attempts to make payments, the XXXX XXXX  never worked. I recently learned that my loan was sold to another party, and I was not informed or notified about this. This debt is not mine ; it belongs to another company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear Sir/Madam, Subject : Request for Immediate Removal of Charge-Offs Due to Violations of 15 USC 1692g and 15 USC 1681 I am writing to formally dispute the accuracy of the following charge-off entries on my credit report. This agency is in violation of 15 USC 1692g, which requires them to notify me in writing within XXXX days of their initial communication regarding these debts. I did not receive any such notification. As the original creditor, only I can validate this debt, and I do not validate it. Therefore, these accounts must be deleted from my report immediately. 

The accounts that need to be deleted are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The reporting of these accounts constitutes a violation of 15 USC 1681 and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ]. I request that these charge-off entries be investigated and removed from my credit report immediately. The reporting of these accounts without proper validation and notification is not only inaccurate but also unlawful under the aforementioned sections of the Fair Credit Reporting Act. 

Please conduct a thorough investigation of these accounts and provide me with written confirmation of their removal. I expect this matter to be resolved promptly, as it is impacting my creditworthiness and financial wellbeing. 

Thank you for your immediate attention to this matter. I look forward to your swift resolution. 

Sincerely, 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
Consumer complaint received 2024-07-17 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: MA

Complaint narrative:
These inquiries was not authorized by me and I did not communicate with this under the specified date

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 2024-07-17 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: IN

Complaint narrative:
I did not open these accounts and believe them to be fraudulent. I request a thorough investigation and removal from my credit report. Supporting documents are attached.

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 2024-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I am reporting fraudulent activities on my Bluebird Credit card. On XX/XX/XXXX around XXXX I went to the ATM at the XXXX Store at the XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX XXXX I attempted to withdraw {$100.00} out because the day before, on XX/XX/year> I had checked my Account before I went shopping and I had around {$490.00} in my account. I went to a sporting goods store in XXXX at XXXX XXXX XXXX XXXX XXXX named XXXXXXXX XXXX  where I bought a pair of Tennis shoes for {$75.00}. I used my Bluebird Debt card, on my way home, I stopped at XXXXXXXX XXXX XXXX XXXX and bought XXXX cans of XXXX XXXX totaling {$9.00}. Those were the only XXXX items I purchase on XXXX XXXX. I did not use my card after that on XX/XX/year>. The next day on XX/XX/year>, I went to the ATM at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX store, because I knew I could withdraw {$100.00}. When the ATM rejected my card, I immediately went on my phone to check my Bluebird Account Balance and it showed that someone had pull out {$400.00} on XX/XX/year>, with a {$2.00} ATM Fee at XXXX XXXX XXXX. I immediately XXXX that address and it show it was XXXX XXXX XXXX in XXXX. I was confused as to how this that could happen as I have only XXXX credit card which I keep on me at all times. I have ever in my 10 years with XXXX told anyone my XXXX # or loaned out my card to anyone. So, I called Bluebird immediately and reported this incident when I had discovered what happened. I told Bluebird that whoever did this, left me with only {$0.00} in my Account. Now, when I look at my Bluebird Account on my phone, it is showing that I made XXXX purchases on XX/XX/year>, my XXXX purchase of {$75.00} and the XXXX XXXX purchase of {$9.00}, which an incorrect date. I have my receipts for both the XXXX XXXX XXXX and XXXX XXXX purchases were made on XX/XX/XXXX, XXXX XX/XX/XXXX. The way it shows on my Bluebird account looks like I made those purchased after the fraud was committed and that is not correct, and Bluebird is refusing to refund me my money. I'm going to also show this to the XXXX XXXX XXXX the is handling the Theft-Credit/Debit Card XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 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:
Dear Sir/Madam, Subject : Immediate Deletion of Unauthorized Accounts from Credit Report, Revocation of Communication Rights, and Notice of Legal Action This notice is to inform you that you have unlawfully reported unauthorized accounts on my consumer report. I have not given you written permission to include any accounts on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information. Your actions amount to XXXX XXXX XXXX pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a XXXX  punishable by up to XXXX years of imprisonment, in addition to civil liability. 

Furthermore, this agency is in violation of 15 USC 1692g. You were required to notify me of these debts in writing within XXXX days of your initial communication. I did not receive any such notification. As the original creditor, only I can validate this debt, and I do not validate it. Therefore, the following accounts must be deleted from my report immediately : XXXX  : XXXX XXXX XXXX Account XXXX XXXX Additionally, I hereby revoke all rights for your agency to communicate with me through email, text, or phone calls. All future correspondence must be conducted in writing and sent to the address provided at the top of this letter. 

Failure to respond satisfactorily with the deletion of the above-referenced accounts and to send me a free copy of my report after the changes have been made will result in legal actions being taken against your company. I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Please conduct a thorough investigation of these accounts and provide me with written confirmation of their removal. I expect this matter to be resolved promptly, as it is severely impacting my creditworthiness and financial wellbeing. 

Thank you for your immediate attention to this matter. I look forward to your swift resolution. 

Sincerely, 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 2024-07-17 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: 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 XXXX  days before the payment due date. 

I have requested proof that this information was mailed or delivered XXXX  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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-17 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: GA

Complaint narrative:
I have been a victim of XXXX XXXX for the past XXXX years. There have been Fraudulent Items being reported to my Credit Report. Someone has opened up a fraudulent accounts in in my name that is now reporting to my credit. 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 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 XXXX XXXX XXXX XXXX. I have attached a copy of my ID and FTC report. ( Please see attachments ).

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 2024-07-18 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: Uplift, Inc
State: FL

Complaint narrative:
Greetings, I am writing to bring to your attention a serious issue that has arisen with my credit accounts and credit report. 

Over a month ago, I received a letter from XXXX XXXX  XXXX stating that one of my credit cards would be closed and the credit limit on another card would be lowered due to alleged delinquency on my credit score. I want to emphasize that I have never missed a payment on any type of loan or credit card. 

To investigate, I checked my credit score through a free credit report service and noticed an unfamiliar loan under the name of Uplift , Inc. for the amount of {$2100.00}. Upon contacting the number listed on my credit report, I was informed that this loan was taken out in XXXX and was meant for travel expenses. I explained to the representative that I had never taken a loan from XXXX XXXX XXXX and was unaware of this type of loan. They suggested I file a dispute. 

When I provided my information, they could not find any record under my name or with my phone number or other phone number previously owned, including my wife, and advised me to contact the credit reporting agency. I subsequently filed a dispute with XXXX. However, after a month, XXXX responded that the information was accurate and the loan belonged to me, which is not true. 

I called XXXX. again to file a second claim and explained the situation. They requested proof, but I am unable to provide proof for a loan I never applied for or received. I have no documentation from this company as I never requested a loan from them. 

This situation is severely affecting my credit score, and I am unsure how to proceed. The loan company claims they can not find my information in their system, and XXXX insists on proof of a loan I never took out. 

I urgently need assistance to resolve this issue. Please take the necessary steps to investigate and rectify these discrepancies. This matter is causing significant stress and impacting my financial standing. 

Thank you for your prompt attention to this urgent matter. I look forward to your swift response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 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: MN

Complaint narrative:
I am not liable for this debt with charter communications, they did not provide me with the original contract as I requested.

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 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 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:
I am attaching two letters to illustrate how long this has been going on and I have actually disputed these acconts many times with Experian over that past 16 months. I would like to note that these accounts have already been removed from my XXXX and XXXX reports. Today I was on the phone with the fraud department of Experian and the representative admited to me that no human communication has taken place between Experian and the companies in question. This means that no real investigation ever took place. Now shortly after my most recent letter to Experian was recieved by them I placed a call to discuss the method of verification and was told by the rep that they are not obligated to disclose these methods. Now unless I am reading FCRA 611 in the wrong manner I believe they are in violation here and I am asking these acconts to be removed immediately. I would like to reference my previous CFPB complaint XXXX that was over a year ago, we are well beyond the time they are required by law as per the following .... 

( 6 ) Notice of Results of Reinvestigation ( A ) In general.A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 

( B ) Contents.As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( 7 ) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( XXXX ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

I do hope CFPB reminds Experian that they are in violation of the law. I would like to aviod taking Experian to court but will if I need to. These fraudulent acconts are having a negative affect on my business so prompt action in this matter is most appriciated.

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 2024-07-17 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: TX

Complaint narrative:
these hard inquiries are fraudulent and doesn't belong to me and need to be removed. also, the nest as well. thanks XXXX XXXX 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 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

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 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am currently going through a tough time and having these unverified accounts are not helping either. It's robbing me off of my opportunity to get another loan.

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 2024-07-17 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: AZ

Complaint narrative:
Throughout the last 2 years, I have dealt with a fraud account that appeared on my credit report. I have made a report through CFPB about it and shortly after filed a police report. I have sent the CFPB report and police report to all three major credit reporting agencies ( Experian, XXXX and XXXX ) requesting for this account to be removed ( Commenity ). Most of them removed this account after seeing the police report and CFPB report however the only credit reporting agency that is not removing it has been Experian. I have submitted 6 disputes throughout the course of 2 years, including the police report and CFPB report however every time, they refuse to remove this fraud account. This is really affecting me and my family personally, as we are being denied buying a home and even being denied home rentals. This fraud account is only being reported by Experian... I attached all 6 disputes results that were submitted these past 2 years and also the police report and CFPB report regarding this fraudulent account.

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