vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-05 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX  XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute of Late Payment Reporting under 15 U.S. Code 1681a ( 2 ) ( A ) ( 1 ) and FCRA Dear XXXX, I am writing to formally dispute the reporting of a late payment on my XXXX  XXXX account as reflected on my credit report. Upon review of my rights under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws, I believe that the reporting of this late payment is inaccurate and in violation of several key statutes. 

According to 15 U.S. Code 1681a ( 2 ) ( A ) ( 1 ), transactions or experiences between me, the consumer, and XXXX XXXX are not considered to be subject to third-party credit reporting. Since this late payment pertains to a transaction or experience exclusively between XXXX XXXX and myself, it should not have been reported to any credit reporting agency. Therefore, I am requesting that you reverse this late payment and mark the account as current or have it removed from my credit profile immediately. 

Furthermore, under 15 U.S. Code 1666b, it is required that a creditor, such as XXXX XXXX, provide billing statements at least XXXX  days before the due date. I request that you provide documentation proving that my billing statements were sent to me within the required timeframe. If you can not provide these documents, this would constitute a violation of my rights under the XXXX XXXX Billing Act ( FCBA ) and further demonstrate that the reported late payment is invalid. 

Additionally, FCRA Section XXXX and Section XXXX support that any information on my credit report must be verifiable, accurate, and reported in compliance with the FCRA. If the late payment can not be fully verified in accordance with these sections, it must be removed from my credit report immediately. 

In light of these legal provisions, I kindly request that you : XXXX. Reverse the late payment and mark my account as current, or XXXX. Remove the late payment from my credit report entirely, and XXXX. Provide evidence that you complied with XXXX XXXX XXXX XXXX by sending the required billing statements at least XXXX  days prior to the due date. 

If you are unable to comply with these requests or provide verifiable documentation supporting the late payment, you are required by law to remove the negative reporting from my credit file in accordance with the FCRA. 

I look forward to your prompt response and resolution of this matter within the XXXX timeframe mandated by law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX  XXXX Account XXXX Account 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 2024-10-05 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: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXX XXXX NC XXXX Dispute of Late Payment Reporting under 15 U.S. Code 1681a ( 2 ) ( A ) ( 1 ) and FCRA Dear XXXX, I am writing to formally dispute the reporting of a late payment on my XXXX  XXXX account as reflected on my credit report. Upon review of my rights under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws, I believe that the reporting of this late payment is inaccurate and in violation of several key statutes. 

According to 15 U.S. Code 1681a ( 2 ) ( A ) ( 1 ), transactions or experiences between me, the consumer, and XXXX XXXX are not considered to be subject to third-party credit reporting. Since this late payment pertains to a transaction or experience exclusively between XXXX XXXX and myself, it should not have been reported to any credit reporting agency. Therefore, I am requesting that you reverse this late payment and mark the account as current or have it removed from my credit profile immediately. 

Furthermore, under 15 U.S. Code 1666b, it is required that a creditor, such as XXXX XXXX, provide billing statements at least XXXX  days before the due date. I request that you provide documentation proving that my billing statements were sent to me within the required timeframe. If you can not provide these documents, this would constitute a violation of my rights under the XXXX XXXX Billing Act ( FCBA ) and further demonstrate that the reported late payment is invalid. 

Additionally, FCRA Section XXXX and Section XXXX support that any information on my credit report must be verifiable, accurate, and reported in compliance with the FCRA. If the late payment can not be fully verified in accordance with these sections, it must be removed from my credit report immediately. 

In light of these legal provisions, I kindly request that you : XXXX. Reverse the late payment and mark my account as current, or XXXX. Remove the late payment from my credit report entirely, and XXXX. Provide evidence that you complied with 15 U.S. Code 1666b by sending the required billing statements at least XXXX  days prior to the due date. 

If you are unable to comply with these requests or provide verifiable documentation supporting the late payment, you are required by law to remove the negative reporting from my credit file in accordance with the FCRA. 

I look forward to your prompt response and resolution of this matter within the XXXX timeframe mandated by law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account XXXX Account XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-05 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dispute of Late Payment Reporting under 15 U.S. Code 1681a ( 2 ) ( A ) ( 1 ) and FCRA Dear XXXX, I am writing to formally dispute the reporting of a late payment on my XXXX  XXXX account as reflected on my credit report. Upon review of my rights under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws, I believe that the reporting of this late payment is inaccurate and in violation of several key statutes. 

According to 15 U.S. Code 1681a ( 2 ) ( A ) ( 1 ),  transactions or experiences between me, the consumer, and XXXX XXXX are not considered to be subject to third-party credit reporting. Since this late payment pertains to a transaction or experience exclusively between XXXX XXXX and myself, it should not have been reported to any credit reporting agency. Therefore, I am requesting that you reverse this late payment and mark the account as current or have it removed from my credit profile immediately. 

Furthermore, under 15 U.S. Code 1666b, it is required that a creditor, such as XXXX XXXX, provide billing statements at least XXXX  days before the due date. I request that you provide documentation proving that my billing statements were sent to me within the required timeframe. If you can not provide these documents, this would constitute a violation of my rights under the XXXX XXXX Billing Act ( FCBA ) and further demonstrate that the reported late payment is invalid. 

Additionally, FCRA Section XXXX and Section XXXX support that any information on my credit report must be verifiable, accurate, and reported in compliance with the FCRA. If the late payment can not be fully verified in accordance with these sections, it must be removed from my credit report immediately. 

In light of these legal provisions, I kindly request that you : XXXX. Reverse the late payment and mark my account as current, or XXXX. Remove the late payment from my credit report entirely, and XXXX. Provide evidence that you complied with 15 U.S. Code 1666b by sending the required billing statements at least XXXX  days prior to the due date. 

If you are unable to comply with these requests or provide verifiable documentation supporting the late payment, you are required by law to remove the negative reporting from my credit file in accordance with the FCRA. 

I look forward to your prompt response and resolution of this matter within the XXXX timeframe mandated by law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX Account 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 2024-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
XXXX XXXX sent a text from XXXX ( XXXX ) XXXX regarding my resume found on XXXX. The position was for a REMOTE Data XXXX XXXX role with a company Called XXXX XXXX XXXX In the text, was instructed to download an app called XXXX and input the code from text. I followed the directions and was connected to XXXX XXXX. After a series of questions, I was informed of hire and the job offer, XXXX, XXXX, and Code of Conduct acknowledgement would be emailed to me for completion. I was told to check-in tomorrow at XXXX. I followed the instructions and the next day I was brief on how to mobile deposit a emailed check into my bank account. The funds were to be used for equipment needed for job. I followed the details and was informed to check-in tomorrow at XXXX. Upon check-in, I was asked for a status on funds. I informed him that only a portion of the funds were made available ( {$2500.00} of the {$4700.00} ). He instructed me to transfer or load {$2000.00} into XXXX. I immediately contacted the bank XXXX XXXX XXXX, who advised the funds haven't cleared the account and it's possibly was a fraudulen/counterfeit transaction. I messaged him a decline to utilize the funds before it cleared. The next day the available portion of the mobile deposit was no longer displayed. I contacted XXXX from the XXXX department, who informed me of the mobile deposit was being returned as counterfeit. I was instructed to close account due to it being compromised. This company now possesses my bank account information, address, email account, phone number, social security number, and signature.

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 2024-10-05 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: Self Financial Inc.
State: GA

Complaint narrative:
XXXX XXXX ( {$3000.00} ; Account # XXXX ) has unlawfully and illegally reporting derogatory information on my credit report without proper authorization. I have never authorized or signed any legal contracts or applications with debt agency, nor have I provided them with any other form of identification that would permit them to legally report this information. XXXX XXXX has failed to provide a copy of any wet signed applications, which raises concerns about the legitimacy of their actions. This is not a credit transaction initiated by me with this third-party debt agency. Additionally, I will be filing federal and state complaints against XXXX XXXX for these unlawful practices. I have not authorized them to access or report any information about me, and their actions violate the Fair Credit Reporting Act ( FCRA ), which requires a permissible purpose for reporting such information. Their failure to comply with these legal requirements has caused harm to my credit standing. I request that the CFPB investigate this matter thoroughly and ensure that this derogatory information is removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
debt collection is not mine my information was used due to identity theft I have filed a police report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I am currently unable to log into my account for credit freezes. The system tells me my phone number is not right. It is impossible to get anyone on the phone at Experian. You have to search the web for tricks on ways to talk to someone and Experian blocks those as soon as people start getting through. I did talk to them about a month ago about this and they said they would mail me a pin so I could get on. It never arrived. Seems like a company that is recognized as XXXX of the top XXXX credit reporting companies should have to be reachable by the consumers.

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 2024-10-05 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX XX/XX/XXXX - The following inquiry was not authorized and should not be reporting XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX - The following inquiry was not authorized and should not be reporting XXXX XXXX  XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting XXXX XXXX XXXX XX/XX/XXXX - The following inquiry was not authorized and should not be reporting XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting XXXX XXXX XXXX  - XX/XX/XXXX The following inquiry was not authorized and should not be reporting

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 2024-10-05 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: MI

Complaint narrative:
I noticed a few hard inquiries. 
Hard inquiries from things like credit applications .i never made none of the company to pull my credit score. 
XXXX 2024 threw XX/XX/year> I never

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlanticus Services Corporation
State: MA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute an alleged collection account that is being reported on my credit report by XXXX XXXX XXXX. This account references an amount of {$840.00}, purportedly from the original creditor, Fortiva Credit. Upon contacting Fortiva Credit directly, they were unable to locate any records associated with my file. I am unaware of any relationship with either Fortiva XXXX or XXXX XXXX XXXX, and I believe this account is fraudulent. 

This reporting is a violation of my rights under both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I request that you investigate this account and take immediate action. 

To resolve this matter, I am requesting that XXXX XXXX XXXX provide the following : Proof of their authorization under 15 USC 1692 ( e ) and ( f ) to collect this debt. 
The legal basis for their collection efforts. 
Proof of their authorization to operate in my state. 
Evidence supporting the alleged debt, including any signed contracts or agreements. 
A full and complete account history, including all related charges and transactions. 
Their failure to provide this information violates FDCPA 1692d, 1692e, 1692g ( b ), and 1692f. I demand that this fraudulent account be immediately removed from my credit report, and this matter be resolved without further delay. 

According to the provisions under the FCRA and FDCPA, I demand that this item be deleted from all three credit bureaus as soon as possible. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must DELETE any erroneous reports of this past debt as mine from the credit bureaus. 

I appreciate your prompt attention to this matter and look forward to your assistance in correcting this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: IL

Complaint narrative:
I recently received a solicitation from U.S. Bank for the U.S. Bank XXXX XXXX XXXX, highlighting an enticing offer of a " low intro APR until 2026, '' specifically a 0 % intro APR on purchases for XXXX billing cycles. Encouraged by this offer, I applied and was approved. However, upon receiving the card, I noticed that there was no mention of the promised low intro APR of 0 %. 

I contacted U.S. Bank for clarification, but they were unable to provide any answers. This situation raises concerns that it may be a bait-and-switch tactic to attract individuals and businesses.

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 2024-10-06 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: TRUIST FINANCIAL CORPORATION
State: IN

Complaint narrative:
A lot of hard inquiries appears on my credit report while i have not requested for new credit lines/ did not ask any loans. 

Since i was victim of identity theft, probably other people was trying to open new lines, request for loan which left a lot of hard inquiries on 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 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2024-10-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
They were applying for credit cards and they got six inquiries

Company response to consumer: Closed with explanation