vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
To whom this may concern, I recently took notice of my credit report having inquiries on my credit report that I did not authorize. According to 15 U.S. Code 1681c2 ( b ), a consumer reporting agency shall promptly notify the furnisher of information identified by the consumer that the information may be a result of identity theft. 

To XXXX, the following inquires were not authorized : XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Auto ) XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX To TransUnion, the following inquiries were not authorized : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2024-04-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  account # XXXX has violated My rights. 

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

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 2024-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Gordon, Aylworth & Tami, P.C.
State: WA

Complaint narrative:
Attached are the cease and desist letters, certified mail receipts, and USPS tracking which shows XXXX XXXX XXXX has received our request to remove our address from this debt and that it is not ours. In the most recent complaint response, the firm still did not indicate that the matter was dismissed nor that collection activities would stop as demanded in our multiple cease and desist to XXXX XXXX XXXX. It is clear they are not communicating to XXXX XXXX XXXX, or XXXX XXXX XXXX did not provide them these letters as demanded. 

Gordon, Aylworth, & Tami PC have threatened and opened lawsuits for a persons debt that does not belong to us. On XX/XX/2024 we rejected a summons which we can only assume is a lawsuit. The debt for XXXX XXXX XXXX is not ours, not tied to either my social nor my husbands. Weve informed their debt collection agency, XXXX XXXX XXXX, of this over certified mail multiple times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 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: TN

Complaint narrative:
I recently reviewed my credit report and identified several inaccuracies that require your attention. Upon examination, I found discrepancies in the reported accounts, including inaccurate account numbers, balances, and payment history. Specifically, the XXXX Account # XXXX contains inaccuracies that violate 15 USC 1681 Sections 602, 604A Section 2, and 1681a paragraph 2 subsection I of the Fair Credit Reporting Act ( FCRA ). 

These inaccuracies have the potential to adversely affect my creditworthiness and financial standing. Furthermore, I believe these discrepancies constitute violations of my rights under the FCRA, including my right to privacy and accurate reporting of credit information. 

Therefore, I am requesting a thorough investigation into the reported accounts and personal information discrepancies, with particular emphasis on the XXXXXXXX Account # XXXX. I seek validation of the accuracy of each reported account, documentation of the sources of information, and clarification on any inquiries made to my credit report. 

I urge you to take immediate action to correct these inaccuracies and address the violations of the FCRA. 

I look forward to receiving a prompt response regarding the outcome of the reinvestigation and any necessary corrections made to my credit report. Otherwise legal action will be taken. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

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 2024-04-25 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: FL

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VILOATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681. 

XXXX. XXXX XXXX XXXX : ACCOUNT # XXXX XXXX. XXXXXXXX XXXX XXXX XXXXXXXX : ACCOUNT # XXXXXXXX XXXX XXXX XXXX XXXX XXXX : ACCOUNT # XXXX XXXX. XXXX XXXX : ACCOUNT # XXXX XXXX. XXXXXXXX XXXX XXXXXXXX : ACCOUNT # XXXX THESE COMPANIES HAS VIOLATED MY RIGHTS.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 AN 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 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 2024-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681Section 604 A Section 2 : It also states a consumer shall not furnish any information about an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681Section 604 A Section 2 : It also states a consumer shall not furnish any information about an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CMI Group, Inc.
State: AZ

Complaint narrative:
I called on XX/XX/XXXX at around XXXX XXXX  Arizona Time. I attempted to inquire about a collection placed on my credit report. They did not provide any data regarding the collection. They said that they could only give me written confirmation about the handling of the collection if I paid the amount. They never provided any proof that they were a legitimate collections agency and refused to help in any way to help me ascertain more information. They wrongly placed a collection on my Credit Report, and would not give anything in writing regarding it, they also never contacted my phone number they gave a phone number that did not belong to me and was not on my account with the Creditor in Question, they also were using shady tactics to solicit payment, they also confirmed that they had an incorrect address on file and when I said that neither the phone number nor the address belonged to me they said well that's not our problem and refused to take any sort of mediation or arbitration to try and resolve the unfair collection. They also refused to update my information to make it accurate, so that way if there were any further communications I would be aware before having a collection put on my account. I can also not provide documentation due to the fact that they would not provide any. I did provide the statements from the Creditor 's website to establish that this was indeed an unfair collection effort as you can see in the screenshot I have a credit balance and my contract with the Creditor ended on XX/XX/XXXX, thus anything after the fact is not an authorized charge and they also have not explained why I show a credit balance for all dates post contract termination and they have also not explained why this was sent to collections and they can not provide statements on the itemized charges so I can determine the legitimacy of those charges, this is extremely unacceptable.I did not visit in person I just contacted what was provided on my credit report due to the fact that they had not sent anything to me prior, and the conversation I did have on the phone with the company in late XXXX, where I disputed the balance was not on the record. XXXX was not able to substantiate the amount with statements in any way and when I disconnected the service I was told I did not have a balance outstanding

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC

Complaint narrative:
We are trying to close out an Estate in Probate Court. The item that is needed to close out the Estate is a Statement/Release of Claim from the creditors. USAA is XXXX of the creditors, and the claim in question is a loan that was taken out by the deceased but was paid off in XX/XX/XXXX by the Primary Administrator. We have been on the phone with USAA since XX/XX/XXXX trying to get this Statement/Release of Claim for the Loan Account ending in XXXX, and the claim amount was {$3400.00}. At one time this claim was sent to their 3rd party XXXX XXXX XXXX XXXX XXXX, but after 1 year XXXX reported that they sent it back to USAA, and the payment would have to be paid to them. 
As of XX/XX/XXXX and after numerous calls from myself and the Primary Administrator we have still not received the Statement/Release of Claim. The Probate Court has written us that if not received by end of this month then my daughter ( Primary Administrator ) will have to appear in court and pay fines. This is not ethical, good business practice, and the Statement/Release of claim for the loan should have been an automatic send by USAA once the payment was fulfilled. We have spent countless hours trying to get this, and now my daughter will have to appear in court for this dereliction in duty. We need help!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2024 I looked over my credit report. While looking over it I noticed several inconsistencies. According to FCRA Experian is expected to report account information on my credit report with 100 % accuracy. Currently, items on my account are being reported inaccurately and this is preventing me from acquiring credit. The account that I would like to be investigated and verified is Account Name : XXXXXXXX XXXX  Account Number : 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 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JUSTICE FINANCE COMPANY
State: TX

Complaint narrative:
Justice Finance-Late Payment & Charge off -Removed open- XXXX XXXX Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX Closed XX/XX/2022 I wish to emphasize my committed to fair and accurate credit reporting these late payments have had a significant impact on my credit worthiness and have caused me undue financial hardship and emotional distress. The only way a corporation can possibly report a payment as late falls under 15 U.S. Code 1666b - Timing of payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 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: NY

Complaint narrative:
I was looking at my credit report and noticed that there were hard inquiries that are not mine on there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
My credit report has information on it that is inaccurate and I'm proper authority to get the following corrected. According to 15 US Code 1666b, timing of 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. 

XXXX, the following companies are reporting late payments : XXXX XXXX  : TransUnion, the following are reporting late payments : 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 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCM Finance LLC
State: TX

Complaint narrative:
The late payments in questions are associated with the following account - I request closed accounts to be removed Account name : XXXX XXXX Closed XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT. 
XXXX XXXX Dates of late payments : XX/XX/XXXX. 

Account name : CCM Finance LLC- Last Report XXXX XXXX /Change Remarks to Paid in Full XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX. XXXX I wish to emphasize my committed to fair and accurate credit reporting these late payments have had a significant impact on my credit worthiness and have caused me undue financial hardship and emotional distress. The only way a corporation can possibly report a payment as late falls under 15 U.S. Code 1666b - Timing of payments. The FCRA 15 USC 1681a, 15 USC 1681s-2, 15 USC 1681n and Timing of payments 15 USC 1666b , Consumer request the Deletion of all transactions listed as late on their consumer reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 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: GA

Complaint narrative:
I PULLED MY EQUIFAX CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute certain inaccuracies present in my credit report. Upon reviewing the report provided by your bureau, I have identified several discrepancies in my personal information that require immediate attention and correction. The ONLY information that should be listed in any of my files are the information as follows : XXXX XXXX is the ONLY name that should be listed. I have not and do not go by any other names or spellings. 

My SSN should be listed as XXXX My Date of Birth is XX/XX/1977 All other dates and variations are incorrect and should be removed. 

My address is XXXX XXXX XXXX, XXXX, Ohio XXXX. All other addresses are incorrect and not valid as per the law, they are undeliverable to me by the USPS. 

I do not have an employer therefore I demand any employer listed to be removed! 

I do not want my phone number to be listed. 

I have enclosed copies of relevant documents that support the accuracy of my personal information, including but not limited to my driver 's license, and a utility bill to substantiate the correct details. 

Furthermore, I would like to emphasize the importance of rectifying these inaccuracies promptly, as they have the potential to impact my financial standing and creditworthiness adversely. 

According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility as a credit reporting agency to ensure that the information contained in my credit report is fair, accurate, and up-to-date. Therefore, I kindly request that you conduct a thorough investigation into these discrepancies and take the necessary steps to update my credit file accordingly. 

Additionally, I would appreciate regular updates on the progress of this dispute resolution process, including any actions taken or findings discovered. 

Please consider this letter as a formal request for the correction of the inaccuracies mentioned above. Your prompt attention to this matter is greatly appreciated. 

Thank you for your cooperation and understanding. Should you require any further information or clarification, please do not hesitate to contact me at the address provided above. 

Sincerely, XXXX XXXX Enclosures : Copy of Driver 's License Copy of Utility Bill

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 2024-04-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My Credit card was charged {$250.00} at a merchant called XXXX in XXXX. I filed a police report with XXXX # XXXX in XXXX XXXX Fl. Then filed a claim with Bank of America and told them of a police report being filed, then called the vendor to gain any information. A man came with a party of XXXX people and placed my Credit Card and address for his booking. Placing his phone number and name of XXXX XXXX. On XX/XX/year> I recieved an email stating my claim has found me at fault.

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