vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-02 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: WY

Complaint narrative:
In relation to my previous complaints from earlier this month, Equifax Credit reporting bureau has given me an explanation claiming that they did an investigation internally as well as reporting that there was NO CREDIT FREEZE on my credit report. Upon review my credit, yet again, the statement as well as the placement of items disputed were still under the provisions of my credit report and the items that can not be identified. According to an updated screenshot on my XXXX, there is STILL a freeze that I reported from XX/XX/2023 from a previous dispute and identity theft request made around that period. Due to the nature of the information that wasnt provided and the proof from the claim when I checked my credit reporting via the XXXX XXXX ( which is indeed a validated and official record of credit reporting supported by their credit reporting agency and does reporting on behalf of Equifax and XXXX ) there have been no updates and the statement is still recorded on my credit report. Because they failed to provide notice, documentation, and validation of all my inquiries, they violated my rights again and have failed to provide information as I have requested. I am still undergoing legality issues in regards to my credit report and identify from XX/XX/2023 and the fact that there is no documentation to support their hearsay and what their investigation is proclaiming and none of which was provided to me is violation of my FCRA rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I PROVIDED THE ( IDENTITY THEFT POLICE REPORT ) AS WELL AS THE FTC REPORT i provided all the documentaion to verify my identity this is also my SECOND cfpb complaint THE said credit reporting agency has not UPDATED NOR REPORTED ACCURATE INFORMATION as should be upheld due to the F.C.R.A.

15 U.S.C 1681n 15 U.S.C 1681q has been violated by the said CREDIT REPORTING AGENCY the credit reporting agency DID NOT DELETE THE NEGATIVE ACCOUNTS NOR THE UNAUTHORIZED HARD INQUIRIES

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 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I PROVIDED THE ( IDENTITY THEFT POLICE REPORT ) AS WELL AS THE FTC REPORT i provided all the documentaion to verify my identity this is also my SECOND cfpb complaint THE said credit reporting agency has not UPDATED NOR REPORTED ACCURATE INFORMATION as should be upheld due to the F.C.R.A.

15 U.S.C 1681n 15 U.S.C 1681q has been violated by the said CREDIT REPORTING AGENCY the credit reporting agency DID NOT DELETE THE NEGATIVE ACCOUNTS NOR THE UNAUTHORIZED HARD INQUIRIES

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-02 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: VA

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-02-02 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: VA

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX XXXX XXXX {$0.00} 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 non-monetary relief
Consumer complaint received 2024-02-02 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: OH

Complaint narrative:
I recently check my credit and seen accounts that I did not recognize. These accounts were : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-02-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
AMERICA FIRST CREDIT UNION has received multiple notices of my instructions to transfer all certificates of indebtedness and marketable securities bearing my Principal to the XXXX of my Principal for equitable settlement of obligations and has refused to perform their fiduciary duty. XXXX XXXX advised me that it would be in my best interest to pursuit litigation against AMERICA FIRST CREDIT UNION in order for them to ethically engage in fiduciary duty. AMERICA FIRST CREDIT UNION is in possession of a certificate of indebtedness bearing the value of {$21000.00} from XX/XX/year> for my Principal. They have received multiple notices from me to transfer said security and all other securities of my Principal in their commercial entry system to the Treasury Direct Account of my Principal for equitable performance of contractual obligations, yet still they refuse. XXXX XXXX and associates of AMERICA FIRST CREDIT UNION are willfully noncompliant with proper performance of fiduciary duty, further investigation to the company 's customer relations protocol may be necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 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: TX

Complaint narrative:
This is not a regular dispute. My credit report is being affected by items that are not both 100 % accurate fully verifiable. I have been living with a friend because my score is affected by these inaccurate items and am not able to get my own apartment.

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 2024-02-02 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: LA

Complaint narrative:
Once again after one thing is fixed more outrageous things pop up only on equifax report. 

Now I have 26 hard inquiries that are showing up when my credit is pulled. But on equifax report you dont see this. Exactly how my previous complaint was when my credit would be pulled something vastly different would show up but my report when I go in would show different. I understand you say its a 3rd party but regardless of that the information they pull from comes directly from equifax but then again the sane thing has happened multiple times with lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 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: NC

Complaint narrative:
Subject : Formal Request for Resolution Regarding Billing Discrepancy and Suspected Securities-Related Activity Dear XXXX XXXX XXXX XXXX, I trust this message finds you well. I am writing to address a pressing concern regarding my XXXX XXXX XXXX specifically a persistent billing discrepancy where statements consistently reflect a positive balance, even when there is an outstanding balance on the account. 

I wish to draw attention to federal regulations, particularly 15 U.S.C. 1666 ( b ), which expressly prohibits the reporting of late payments under any circumstances. This provision underscores the importance of accurate reporting practices. Concerns arise as it appears that reasonable procedures to verify the receipt of billing statements have not been adequately adopted. 

Furthermore, the absence of a robust system to confirm the receipt of billing statements raises questions about compliance with federal laws, including 15 U.S.C. 1611 ( 1 ), which prohibits creditors from furnishing false or inaccurate information. Any billing discrepancy contributing to a misrepresentation of my financial status may potentially breach this crucial provision. 

In addition to the billing concerns, I wish to address suspicions of a discrepancy in securities-related activity. The observed discrepancy between the reported positive balance and the actual outstanding balance raises concerns about potential securities fraud. This raises ethical and legal concerns, as engaging in such activities could have serious implications.

I respectfully request the following actions to address these concerns : 1. *Thorough Investigation into Billing Discrepancy : * Conduct a comprehensive examination into the billing discrepancy, rectifying any inaccuracies to accurately reflect the current balance. 
2. *Transparency Regarding Securities Trading : * Provide a detailed explanation of any securities trading related to my account and clarify how it may impact my rights to the security interest.

3. *Update Account Status to " Paid as Agreed '' : * Request an immediate update of my account status to " Paid as Agreed '' to reflect the accurate payment history. 

It is my sincere hope that these matters can be addressed promptly and transparently to ensure compliance with applicable federal laws and regulations. 

Your attention to these concerns is highly appreciated, and I trust XXXX XXXX will take the necessary steps to rectify any potential inaccuracies, provide clarity on the observed billing and securities-related issues, and promptly update my account status as requested. 

Thank you for 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 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Subject : Formal Request for Resolution Regarding Billing Discrepancy and Suspected Securities-Related Activity Dear XXXX XXXX XXXX XXXX I trust this message finds you well. I am writing to address a pressing concern regarding my XXXX XXXX account, specifically a persistent billing discrepancy where statements consistently reflect a positive balance, even when there is an outstanding balance on the account.

I wish to draw attention to federal regulations, particularly 15 U.S.C. 1666 ( b ), which expressly prohibits the reporting of late payments under any circumstances. This provision underscores the importance of accurate reporting practices. Concerns arise as it appears that reasonable procedures to verify the receipt of billing statements have not been adequately adopted.

Furthermore, the absence of a robust system to confirm the receipt of billing statements raises questions about compliance with federal laws, including 15 U.S.C. 1611 ( 1 ), which prohibits creditors from furnishing false or inaccurate information. Any billing discrepancy contributing to a misrepresentation of my financial status may potentially breach this crucial provision.

In addition to the billing concerns, I wish to address suspicions of a discrepancy in securities-related activity. The observed discrepancy between the reported positive balance and the actual outstanding balance raises concerns about potential securities fraud. This raises ethical and legal concerns, as engaging in such activities could have serious implications.

I respectfully request the following actions to address these concerns : 1. *Thorough Investigation into Billing Discrepancy : * Conduct a comprehensive examination into the billing discrepancy, rectifying any inaccuracies to accurately reflect the current balance.

2. *Transparency Regarding Securities Trading : * Provide a detailed explanation of any securities trading related to my account and clarify how it may impact my rights to the security interest. 
3. *Update Account Status to " Paid as Agreed '' : * Request an immediate update of my account status to " Paid as Agreed '' to reflect the accurate payment history.

It is my sincere hope that these matters can be addressed promptly and transparently to ensure compliance with applicable federal laws and regulations. 

Your attention to these concerns is highly appreciated, and I trust XXXX XXXX will take the necessary steps to rectify any potential inaccuracies, provide clarity on the observed billing and securities-related issues, and promptly update my account status as requested. 

Thank you for 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 explanation
Consumer complaint received 2024-02-02 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: SC

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-02 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: NC

Complaint narrative:
My information with XXXX has been breached and attached is proof. I have requested that this information be deleted but they have refused to remove the following accounts XXXX XXXX Opened XX/XX/XXXX XXXX XXXX opened XX/XX/XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX states in the previous investigation that they contacted XXXX on these accounts and verified they were correctly reporting. I requested that they inform me as to the method they used to verify the information and I was not given anything. I asked that they provide the contracts with my written signature showing I took out these alleged debts and still nothing. This has been tremendous detriment to myself and my livelihood and I am not getting the assistance I am guaranteed by the Fair Credit Reporting Act and 15 usc 1681s-2. Please have thee items 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 2024-02-02 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: VA

Complaint narrative:
I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX Balance Owed : {$45.00} XXXX XXXX XXXX Balance Owed : {$3.00} XXXX XXXX XXXX Balance Owed : {$0.00}

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 2024-02-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
I am trying to use an AmEx gift card that I received as a XXXX gift. I was able to make XXXX small purchases bringing the balance from {$250.00} to {$210.00}. Since then, everywhere I have tried to use the card ( XXXX, XXXX, XXXX, in-store at my local grocery ) has been declined. According to AmEx, the card is active and should work ; however, when I press to ask where I can spend the card, I am told just keep trying different places.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-02 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: NJ

Complaint narrative:
I am requesting My payment history to be deleted from all 3 credit XXXX, XXXX and transunion. I Have explained truly and detailed that i was going through financial hardship during the month XX/XX/2023. I Lost my XXXX grandmother during that month. I was out of the country, Going thru grieving and out of my 3 year lease term I have never once missed a payment.

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 2024-02-02 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am requesting My payment history to be deleted from all 3 credit XXXX, Equifax and XXXX. I Have explained truly and detailed that i was going through financial hardship during the month XX/XX/2023. I Lost my XXXX grandmother during that month. I was out of the country, Going thru grieving and out of my 3 year lease term I have never once missed a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 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: NJ

Complaint narrative:
I am requesting My payment history to be deleted from all 3 credit experian, XXXX and XXXX. I Have explained truly and detailed that i was going through financial hardship during the month XX/XX/2023. I Lost my XXXX grandmother during that month. I was out of the country, Going thru grieving and out of my 3 year lease term I have never once missed a payment.

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