vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-03 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: FL

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to file a formal complaint against Experian due to their failure to investigate and resolve inaccuracies on my credit report. This includes incorrect personal information listed in my credit file. 
On XX/XX/year>, I mailed a dispute letter to Experian via USPS Certified Mail, tracking number XXXX. According to the USPS tracking information, Experian received my dispute letter on XX/XX/year>. Despite clear evidence of delivery and a detailed dispute, Experian has failed to provide any updates or resolution. Over 30 days have passed since the delivery date. 
According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Experian 's failure to do so is a direct violation of my consumer rights. 
I have attached a copy of my dispute letter to Experian and the USPS certified mail receipt as evidence.

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 2024-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST ADVANTAGE CORPORATION
State: MD

Complaint narrative:
I requested a death certificate from the state of MD. The means to obtain the death certificate is through a government/private contractor- Vitalchek. After cancelling the request, I was informed that all but {$13.00} of the {$43.00} fee charged would be refunded in approximately 30 days. The {$13.00} nonrefundable fee WOULD NOT be refunded. When encouraged government entities to use online services to pay and save money for government services, private contractors should NOT benefit financially by refusing to refund extremely high fees and claim arbitrarily that such fees will not be refunded. Moreover, such practice- not refunding fees within reasonable time is a practice where the private company/government EARNS INTEREST when held over a reasonable period of time, especially when payment for such services are to be paid instantaneously. 

I requesting the practice of EARNING interest on payments made for government service through private entities should cease on behalf of myself and others similarly situated. 

In addition, I am requesting a total refund together with any and all interest earned by such such questionable monetary practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I was in an apartment named XXXX and I left that apartment in XX/XX/year>. This final balance was {$270.00}. My insurance jetty paid that amount to XXXX and i paid {$270.00} my insurance company. Now, There is a debt on my name since XX/XX/year> for {$270.00}. I tried to dispute many time and provide documents too but it is not removed yet. This debt is giving my mental and physical distress. It is also affecting my credibility and credit score. Currently, I need to lease apartment with my wife and XXXX small kids but this debt is not removed yet from my account. Rental apartment is connected with 3rd party agent XXXX then XXXX  is taking information from XXXX  and XXXX  is collecting data from national credit system. I discussed with national credit system and raised the dispute with all proof but it will take 30 days to resolve. To avoid rental issue, I paid them twice to remove it from credit bureau so i can get apartment. They are investigating it from last one year. They are doing or collecting all proof from me but not involving XXXX and resolving the issue. I am in tremendous mental pressure while dealing this issue even after paying this balance long time back. I want to complain about this XXXX XXXX I am going through because of this misinterpretation of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: Continental Finance Company, LLC
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) sold by XXXX XXXX XXXX and XXXX XXXX XXXX, a two same personal credit card account opened at XXXX XXXX XXXX  XXXX on XX/XX/XXXX and XX/XX/XXXX under the account number ( XXXX ) and ( XXXX ) sold by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, a personal loan opened at VA Department of Social Services on XX/XX/XXXX under the account number ( XXXX ) due to long-term disability/unemployment, a person credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2024-12-03 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: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal infomation made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2024-12-03 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 submitting a complaint today to inform you that I have been a victim of identity theft. After researching how to remove the fraudulent items from my report, I found that I need to visit the Federal Trade Commission ( FTC ) at https : //www.ftc.gov to file a report. According to FCRA Section 605B, credit reporting agencies are required to remove any items listed in an identity theft report. Please find the attached documents to assist in the removing of the erroneous information currently on my report. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX, CA XXXX, XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$35000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance : {$520.00} XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$2300.00}, XXXX XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XX/XX/year>,

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 2024-12-03 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: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: 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 explanation
Consumer complaint received 2024-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The XXXX XXXX XXXX Car Loan shows a late payment on my experian credit report. 
It was over XXXX  years ago and they continue to show the one late payment and it should have dropped off by now. It is the only late payment showing, and. It was never late it as short by a few dollars and they continued to show it. 
I want it taken off. Leave the remaining history.

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 2024-12-03 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: GA

Complaint narrative:
The XXXX XXXX XXXX  Car Loan shows a late payment on my experian credit report.

It was over XXXX years ago and they continue to show the one late payment and it should have dropped off by now. It is the only late payment showing, and. It was never late it as short by a few dollars and they continued to show it. 
I want it taken off. Leave the remaining history.

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 2024-12-03 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: TN

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 2024-12-03 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: WI

Complaint narrative:
My account with EXPERIAN was never late! I have had exceptional payment history 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 to be updated.

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.

EXPERIAN 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! 


Update 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 2024-12-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FourLeaf Federal Credit Union
State: NY

Complaint narrative:
On XX/XX/year> XXXX XXXX went into the Main Branch of Bethpage Federal Credit Union and with the assistance of a Bank Teller made a " Pay Down Payment '' to a {$0.00} balance on our Line of Credit. 

Nevertheless, Bethpage FCU is reporting a Late Payment for XXXX, XXXX AND XXXX, WHICH IS NOT POSSIBLE based upon our Bank Statements which show {$0.00} balance throughout XXXX. In addition NO LATE FEES WERE CHARGED in XXXX and XXXX. And finally, reviewing the Bank Account XXXX proves that we made a " Regular Payment '' in XXXX, and we were charged TWO " Regular Payments '' in XXXX the day prior to the " Pay Down '' which was done at the Main Branch. We included the XXXX Bank Statement to prove a " Regular Payment '' in XXXX as well as NO LATE FEE. 

Previously our Line of Credit payments were set up to be automatically withdrawn from our Savings Account. We were never notified of a missed payment, or a late payment, by either mail or email. If we had been, we would have immediately responded because we are diligent in keeping our Excellent Credit Score rating. We have not had a late payment to any account in over XXXX XXXX 

The only notification that we received that there was an issue was from the Credit Reporting agencies which unfortunately was too late to maintain our Credit ratings. 

As previously stated, on XX/XX/year> I went to the Bethpage main branch to complete the payoff of the balance in person with the assistance of a bank representative : XX/XX/year> Principal Receipt Transfer From XXXX {$2000.00} - Line of Credit Balance {$9100.00} XX/XX/year> Pay Down Payment {$9200.00} - Line of Credit Balance {$0.00} Although the Line of Credit Balance was {$0.00}, the system continues to make {$530.00} payments from our Savings account to the Line of Credit Account on XX/XX/XXXX and XX/XX/XXXX. There were ample funds in the Savings Account and the Unapplied Funds in the Line of Credit account were automatically re-deposited back to our Savings Account. 

XX/XX/year> Unapplied Disbursement - {$530.00} Unapplied Receipt Transfer From XXXX {$530.00} XX/XX/year> Unapplied Disbursement - {$530.00} Unapplied Receipt Transfer From XXXX {$530.00} Perhaps the Unapplied Funds somehow generated late payment notifications to the Credit Reporting System if this is correct, then Bethpages system has to be fixed.

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 2024-12-03 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 is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 


XXXX XXXX XXXX XXXX XXXXXXXX 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 2024-12-03 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 is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 


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 2024-12-03 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: NY

Complaint narrative:
I did not open these accounts and believe them to be fraudulent. I request a thorough investigation and removal from my credit report. Supporting documents are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: TX

Complaint narrative:
I have contacted XXXX several times about security credit services. XXXX is reporting inaccurate information on my credit report and is in violation of the fair reporting act. XXXX has posted two security credit services accounts that displays negative and inaccurate information such as the amounts, spelling of my name, the amount of missed payments, the original creditors information, date of birth, length of account, etc. These accounts need to be verified or removed from my credit report within 30 days based on federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: TX

Complaint narrative:
I have contacted XXXX several times about security credit services. XXXX is reporting inaccurate information on my credit report and is in violation of the fair reporting act. XXXX has posted XXXX security credit services accounts that displays negative and inaccurate information such as the amounts, spelling of my name, the amount of missed payments, the original creditors information, date of birth, length of account, etc. These accounts need to be verified or removed from my credit report within 30 days based on federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief