vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-24 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: VA

Complaint narrative:
I sent my FTC report and my ID with proof of my address to EQUIFAX and EQUIFAX refuse to investigate and remove the unauthorized inquiries from my credit report. I have reason to believe and do so believe EQUIFAX is refusing to investigate and remove the unauthorized inquiries from my credit report because I didnt send a copy of my social security card. I have provided EQUIFAX with my social security number to authenticate and verify my account several times when I called the company on numerous occasions regarding this matter. I have successfully verified my account with EQUIFAX numerous times and each representative of the company refused to do their job. Someone stole my social security card and I recently went to apply for another one. The Social Security XXXX gave me a confirmation receipt with my social security number at the appointment. The confirmation receipt is all I have to submit to EQUIFAX until my card arrives in the mail. Please see my initial dispute here. I demand these unauthorized fraudulent inquiries be removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALSO remove all derivatives of my name from my credit report and only update my report with XXXX XXXX XXXX. Thank you for your attention to this matter. I assure you will not discriminate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 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: OK

Complaint narrative:
I am seeking your assistance with this erroneous account appearing on my credit report. This issue has negatively impacted my reputation, and I urgently need your help to have it removed and blocked as soon as possible.

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 2024-07-24 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: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me.

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 2024-07-24 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: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me.

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 2024-07-24 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: CA

Complaint narrative:
I am seeking your assistance with this erroneous account appearing on my credit report. This issue has negatively impacted my reputation, and I urgently need your help to have it removed and blocked as soon as possible.

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 2024-07-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Louisiana Recovery Services Inc.
State: LA

Complaint narrative:
I received a notice on XXXX XXXX that I had something in collections. After reviewing it, I contacted the debt collector, LRS , Inc., to get more information. I initially spoke to XXXX, who said the original creditor was XXXX. I asked for all information pertaining to this debt to be sent to me in writing. He said it was sent to me in XX/XX/XXXX, which I never received. I asked if it was sent by certified mail to which I received no response. The debt shows the original creditor as XXXX XXXX XXXX, not XXXX as XXXX stated. 

There are multiple issues with this debt. It combines XXXX medical bills ( {$400.00} & {$65.00} ) into a total of {$460.00}, which should not be reported to the credit bureau since it is under {$500.00}. 

Also, the date of service for this debt is XX/XX/XXXX. Therefore, the debt collector did not wait the required XXXX year time period before reporting the debt. 

These medical bills also pertain to a personal injury matter that is still pending litigation. I am not sure why the original creditors sent this to collections in the first place.

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 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: AL

Complaint narrative:
This has been ongoing. I purchased this car XXXX of last year. I have made at least two payments that were returned but I corrected them and I paid the return fees, late fees and miscellaneous fees. The miscellaneous fees will not State what the fee is for. I don't know why I'm receiving these fees. When I asked about them I can't get a straight answer.Since then I have been receiving late fees and incorrect postings of my payments. I've received different answers regarding my inquiries with each individual I speak with. I have never been over 30 days late paying on my car note. But I recently saw that I have a credit report of a 30-day late. I have called and tried to resolve this ( XX/XX/year> ) with them but I was put on hold forever and then finally they hung up ( supervisor ID number XXXX XXXX ). I spoke with supervisor XXXX XXXX ID number XXXX on when I called back. He wanted to put me on hold again but I told him no I had already been on hold for XXXX minutes and I wasn't about to hold again. He stated he didn't see where I was late over 30 days and he would forward it to accounting for review to audit my account. I asked him if he can send me a copy of that audit and he stated he would have someone call me and discuss it with me. That's not good enough I want him to send me a copy I am entitled to a copy of that audit. 
At times they would tell me everything is going to be good they don't see it where it should have been reported and they're going to clear it up but every time I call back they say the same thing and it never happens. I am trying to clean up my credit due to a recent bankruptcy and this is driving me crazy. No one at the company is taking me serious. This is holding me up for things I need to do and this is the only thing that's holding me up. I have late fees throughout my account that should not be there and other fees. But I can't get them to clean that up either. Some of my payments are being put toward interest and none toward principal. When I purchased the vehicle it was XXXX some odd dollars. It is almost a year later and I owe {$30000.00} in some odd dollars. Something's not right. I have caught a lot of the customer reps in lies about my account. It's like they don't know what's going on. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 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: CA

Complaint narrative:
I am writing to formally bring to your attention the ongoing issue with Experian 's reporting of inaccurate information on my credit report, despite repeated attempts to rectify these errors. I have filed multiple disputes regarding the following accounts XXXX. XXXX XXXX - XXXX - Payment History for XXXX, XXXX & XX/XX/XXXX is incorrect - Date of Last Payment incorrect XXXX. XXXX XXXX - XXXX - Payment History for XX/XX/XXXX is incorrect - Date of Last Payment incorrect XXXX. XXXX XXXX - XXXX - Date of XXXX XXXX incorrect XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Payment History for XX/XX/XXXX and XX/XX/XXXX is incorrect - Date of Last Payment incorrect Despite my efforts, Experian has failed to correct these blatant errors. I have specifically requested the method of verification for these accounts and sent a certified letter of dispute on XX/XX/XXXX. However, Experian has neither opened these disputes nor provided any indication that they are actively addressing these issues. 

It is crucial that accurate information is reflected on my credit report, as these inaccuracies are negatively impacting my creditworthiness and financial standing. I urge the Consumer Financial Protection Bureau ( CFPB ) to intervene and ensure that Experian complies with its obligations under the Fair Credit Reporting Act ( FCRA ) to promptly investigate and correct inaccurate 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 2024-07-24 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: TX

Complaint narrative:
n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: MI

Complaint narrative:
I have credit monitoring. Today XX/XX/XXXX I received a notification that I had a new collection that showed up on my credit report. I do not have any collections. 
I XXXX the agency. - Vance and Huffman LLC I called their agency. 
They stated that I had a debt owed to XXXX XXXX XXXX for ( XXXX ) XXXX XXXX  from XX/XX/XXXX. 
I did not purchase XXXX XXXX in XXXX. I never received any mailing or notification of this debt. I was not aware that an account was opened under my name for XXXX XXXX with this company. My credit score decreased putting my other good standing at risk.

the person was able to verify my name, dob, phone and address email address was incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I do not recognize the negative accounts appearing on my credit

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 2024-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Each Credit Bureaus was sent certified letters informing them of all FCRA BY-LAWS and ALL FAIR DEBT COLLECTION PRACTICE ACT VIOLATIONS, They have continually Shown Un willful non-compliance and consist of negligent of non-compliance.

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 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My account with the company and i was never late! I have had exceptional payment history with this company 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 in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
This company never sent The periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.

Company 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 2024-07-24 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 have been a victim of identity theft. My information was used fraudulently and as a result I am seeing items on my report that I never was associated with. I filed an ftc report as I was instructed to by TransUnion. I have sent in this report but these fraudulent items still remain.

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 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Advanced Resolution Services Inc.
State: PA

Complaint narrative:
There is a bankruptcy reporting on XXXX, XXXX, and XXXX : they have stated that they received the information from XXXX. I did not give XXXX, XXXX, XXXX, or ARS permission verbally or in writing to report any information about me or collect any data on my behalf to report to third parties. XXXX XXXX, XXXX, and Advanced Resolution Services has violated the Privacy Act of 1972 by collecting and sharing my personal information without my consent. I have contacted them to ask the to remove the bankruptcy from my report. Several times they have stated that they verified the bankruptcy but did not provide any information as to how they verified and who they verified it with. I received a letter from the bankruptcy court stating that they do not furnish personal information or bankruptcy details to any third parties. The court also noted that they did not validate any information to be reported on any credit reports. Furthermore my bankruptcy was cancelled and all debts have been paid in full therefore the public record is inaccurate, the file has been withdrawn and closed. This reporting has caused a tremendous hinderance in my ability to obtain credit. I have sent multiple letters to each bureau and XXXX via certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CBC Companies, Inc.
State: PA

Complaint narrative:
There is a bankruptcy reporting on XXXX, XXXX, and XXXX : they have stated that they received the information from XXXX. I did not give XXXX, Innovis, XXXX, or XXXX permission verbally or in writing to report any information about me or collect any data on my behalf to report to third parties. XXXX XXXX, XXXX, and XXXX XXXX XXXX has violated the Privacy Act of 1972 by collecting and sharing my personal information without my consent. I have contacted them to ask the to remove the bankruptcy from my report. Several times they have stated that they verified the bankruptcy but did not provide any information as to how they verified and who they verified it with. I received a letter from the bankruptcy court stating that they do not furnish personal information or bankruptcy details to any third parties. The court also noted that they did not validate any information to be reported on any credit reports. Furthermore my bankruptcy was cancelled and all debts have been paid in full therefore the public record is inaccurate, the file has been withdrawn and closed. This reporting has caused a tremendous hinderance in my ability to obtain credit. I have sent multiple letters to each bureau and XXXX via certified mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Negative accounts and accounts that are not mines.

Company response to consumer: Closed with explanation