vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-05 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: EQUIFAX, INC.
State: NY

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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: EQUIFAX, INC.
State: PA

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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 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: MI

Complaint narrative:
I am a XXXX XXXX XXXX  The information listed below, which appears on my credit report, is the result of that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt 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 non-monetary relief
Consumer complaint received 2024-11-05 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: SERVICEMAC, LLC
State: NJ

Complaint narrative:
I am filing this dispute regarding a fraudulent account reported by ServiceMac on my credit report without my knowledge or consent. Additionally, ServiceMac failed to provide me the legally required opportunity to opt out before sharing my personally identifiable financial information with third parties, including other financial institutions and consumer reporting agencies. This unauthorized disclosure of my information constitutes identity theft against me, as my personally identifiable financial information was shared without my legally obtained consent. This action violates my rights under the Gramm-Leach-Bliley Act ( GLBA ), which mandates that consumers must be given the right to opt out before their information is shared with non-affiliated third parties. 

This situation also breaches the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, which stipulates that information on consumer reports must only be accessed or shared for permissible purposes and with consumer consent. The unauthorized dissemination of my information for a fraudulent account, without providing me an opt-out opportunity, disregards my FCRA rights. Furthermore, 15 U.S.C. 1681e ( b ) of the FCRA requires consumer reporting agencies to establish reasonable procedures to ensure maximum accuracy in reporting. The presence of this unauthorized account indicates a failure to comply with these procedures.

In addition, this situation violates New Jersey 's Consumer Fraud Act ( CFA ), N.J.S.A. 56:8-1 et seq., which prohibits creditors and financial institutions from engaging in deceptive and unfair practices that harm consumers. By failing to provide me with an opt-out option and reporting a fraudulent account to my credit report, ServiceMac has engaged in unfair practices that have caused both emotional and financial harm. I request an immediate investigation into this matter, the removal of the fraudulent account from my credit report, and enforcement of my rights under federal and New Jersey laws to prevent further unauthorized use of my personal information.

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 2024-11-05 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:
Several accounts on my credit report have been resolved or closed, but they continue to appear as open or delinquent. The credit bureaus have not updated the status of these accounts despite my efforts to report the accurate information. I am requesting CFPB intervention to ensure these resolved accounts are removed from my 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 2024-11-05 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:
Several accounts on my credit report have been resolved or closed, but they continue to appear as open or delinquent. The credit bureaus have not updated the status of these accounts despite my efforts to report the accurate information. I am requesting CFPB intervention to ensure these resolved accounts are removed from my 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 2024-11-05 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: PA

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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2024-11-05 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 file a formal complaint against your company, regarding their continued reporting of inaccurate information on my credit report. Despite successful removal of these items by two other major credit reporting agencies, which claims that the information has been verified, which I believe is not possible given the circumstances. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, credit reporting agencies are required to conduct a reasonable investigation when a consumer disputes information on their report. Additionally, 15 U.S.C. 1681e ( b ) mandates that credit reporting agencies follow reasonable procedures to ensure maximum possible accuracy of the information they report. In my case, two other credit reporting agencies have removed the disputed items, indicating that they could not verify or validate the information. This raises significant concerns about your company 's compliance with these legal requirements. Moreover, the Federal Trade Commission ( FTC ) has established guidelines that highlight the necessity for credit reporting agencies to remove unverifiable information. Furthermore, I am disputing late payment entries on one account that I believe to be inaccurate. As per 15 U.S.C. 1681s-2 ( a ), furnishers of information to credit reporting agencies are obligated to provide accurate information and correct or delete any inaccuracies. Regarding the late payment reporting, it's important to know that under the Fair Credit Billing Act ( FCBA ), specifically 15 U.S.C. 1666c, if there's a billing error dispute in process, a creditor can not report late payments related to the disputed amount until the issue is resolved. Given that the other two credit reporting agencies have corrected this error, its puzzling and concerning that this particular agency hasn't followed suit. I respectfully request that the CFPB investigate this matter and ensure that [ Credit Reporting Agency 's Name ] complies with the FCRA by removing the unverifiable and inaccurate items from my credit report. This issue is causing undue harm to my creditworthiness, and I seek your assistance in resolving it promptly. I have included the FTC report which has all companies that they still have not removed off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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:
Date : XX/XX/XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DOB : XX/XX/XXXX SSN : XXXX I recently obtained a copy of my credit report from your services and found the following items to be an error. 

Creditors Account Name and Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to section 15 U.S. Code 1692g ( Validation of debts ).

1. I want all creditors to send me a detailed list of the history of payments made by me on this account.

2. I want to see the signature that I put on a contract guaranteeing that I would pay this creditor.

3. Im asking to see has there been any insurance claim filed on this debt.

4. I want proof that you have the chain of title to collect on this debt.

15 U.S. Code 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes thedebt collector to cease furthercommunication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.

In addition, Im requesting a description on how the investigation was conducted along with the name, address, telephone number of anyone contacted for information. Furthermore, if there is a change in my credit history resulting from this investigation, i am requesting that an updated report be sent to those who received my report within the last two years or employment purposes, or any purpose. 

Thank you for your prompt attention in this matter. 

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 2024-11-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am filing a complaint regarding inaccurate personal information on my credit report. Specifically, I have disputed inaccurate entries related to my [ e.g., name, date of birth, address, account status, and employer details ] with the credit reporting agency ransunion, XXXX, and XXXX, but the incorrect data has not been removed or corrected, despite my previous disputes XX/XX/year> and XX/XX/year>. I believe these inaccuracies violate my rights under the Fair Credit Reporting Act ( FCRA ), particularly Sections 611 and 623, which require the credit bureau to accurately report my information and investigate disputes in a timely manner. Additionally, I have not received any satisfactory resolution or response within the 30-day investigation period required by law. 

I have provided all necessary documentation to support my dispute, including copies of my government-issued identification, utility bills, and other supporting documents, but the incorrect information remains on my 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 2024-11-05 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: TX

Complaint narrative:
My credit report has been pulled up by these companies and applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them. I have contacted the bureau and the representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.

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 2024-11-05 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: TX

Complaint narrative:
Recently checked my credit report I noticed that I've been a victim of identity theft and found numerous credit inquiries I have no knowledge of here are the inequities that I've found : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Please remove these fraudulent inquiries from my credit report. I also attached my identity theft report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: CA

Complaint narrative:
This is my second complaint against this company as they opened and issued a second account and XXXX XXXX card in my name. The first complaint is still " XXXX '' with Reference # XXXX. 

This complaint is in addition to the previous referenced compliant and has the following details : On XX/XX/XXXX we received a letter in the mail from Netspend, that included a XXXX prepaid card issued by XXXX, XXXXXXXX XXXX The letter included my name, an account and routing number. I never applied for an account with this company, never requested information from this company and never have heard of this company. I tried multiple times to contact the company via phone and chat of which each time entered the account # it the voice respond system says it does not recognize. When trying to pursue a fraud department, it was not an option. There is no phone number on the letter or the card.

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 2024-11-05 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I am filing this complaint regarding unauthorized hard inquiries on my credit report from several companies that I do not recognize and did not authorize. These inquiries are negatively impacting my XXXX XXXX, and I believe they were made without my permission. 

The inquiries are listed on my credit report from the following companies : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 did not apply for any credit or services from these companies, nor did I consent to any credit checks or inquiries from them . I believe these inquiries may have been made in error or without my authorization, and I am requesting that they be removed from my credit report.

According to the FCRA, these unverified and unauthorized items must be 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 2024-11-05 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: TX

Complaint narrative:
Under 15 USC 1681c-2, I noticed unauthorized inquiries on my credit report. These errors are lowering my score, so please remove them. 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 non-monetary relief
Consumer complaint received 2024-11-05 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: TX

Complaint narrative:
I discovered billing mistakes in my credit report, showing late payments that arent consistent with my payment history. Please adjust these errors.

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 2024-11-05 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: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
I am filing this complaint regarding unauthorized hard inquiries on my credit report from several companies that I do not recognize and did not authorize. These inquiries are negatively impacting my XXXX XXXX, and I believe they were made without my permission. 

The inquiries are listed on my credit report from the following companies : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I did not apply for any credit or services from these companies, nor did I consent to any credit checks or inquiries from them . I believe these inquiries may have been made in error or without my authorization, and I am requesting that they be removed from my credit report.

According to the FCRA, these unverified and unauthorized items must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I am filing this complaint regarding unauthorized hard inquiries on my credit report from several companies that I do not recognize and did not authorize. These inquiries are negatively impacting my credit score, and I believe they were made without my permission. 

The inquiries are listed on my credit report from the following companies : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I did not apply for any credit or services from these companies, nor did I consent to any credit checks or inquiries from them . I believe these inquiries may have been made in error or without my authorization, and I am requesting that they be removed from my credit report.

According to the FCRA, these unverified and unauthorized items must be removed.

Company response to consumer: Closed with explanation