vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Have just been this account for almost a year I pay XXXX off and they put it in accurate information on my report I asked them for that validation of the debt they could not validate the debt or did they send me a copy of the purchase agreement I pay 11 payments of {$33.00} and then a lump sum sum of {$830.00} for a phone that was That was {$900.00}. They sent it to the collection agency then the collection agency sent it back to XXXX going back-and-forth they say they didnt get my money out of my account but its showing on my bank statement. Ive been going back-and-forth with Trans Union XXXX and XXXX and they have a duty to remove in accurate information. Not only is it in accurate each credit bureau has different reports different opening days, different closing dates and different Payment dates in XXXX have already removed it so how can they verify it as accurate? pursuit 605 a of the FCRA 15 USC 1681C I request that you delete this information from my credit report within five days from the date of the receipt of this letter. I have forwarded the same information to XXXX, XXXX and Trans Union as you are aware of section 6058 requires that a consumer agency share within five days after seating notice of this dispute from a consumer such as an investigation is as in reason to delete information from this file and notify me, I will now be pursuing legal obligations on the section I never owe them the {$680.00} on XXXX and on XXXX it showed it paid and it never should have went to collection because I didnt owe them anything when I paid them the {$830.00}. It is stopping me from obtaining a home and I am pursuing legal obligations for court causes pity damages, legal fees, emotional of distress because I cant. Im not in my home before 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 2024-11-28 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: AL

Complaint narrative:
Have just been this account for almost a year I pay XXXX off and they put it in accurate information on my report I asked them for that validation of the debt they could not validate the debt or did they send me a copy of the purchase agreement I pay 11 payments of {$33.00} and then a lump sum sum of {$830.00} for a phone that was That was {$900.00}. They sent it to the collection agency then the collection agency sent it back to XXXX going back-and-forth they say they didnt get my money out of my account but its showing on my bank statement. Ive been going back-and-forth with XXXX XXXX XXXX and Experian and they have a duty to remove in accurate information. Not only is it in accurate each credit bureau has different reports different opening days, different closing dates and different Payment dates in XXXX have already removed it so how can they verify it as accurate? pursuit 605 a of the FCRA 15 USC 1681C I request that you delete this information from my credit report within five days from the date of the receipt of this letter. I have forwarded the same information to XXXX, Experian and XXXX XXXX as you are aware of section 6058 requires that a consumer agency share within five days after seating notice of this dispute from a consumer such as an investigation is as in reason to delete information from this file and notify me, I will now be pursuing legal obligations on the section I never owe them the {$680.00} on XXXX and on Experian it showed it paid and it never should have went to collection because I didnt owe them anything when I paid them the {$830.00}. It is stopping me from obtaining a home and I am pursuing legal obligations for court causes pity damages, legal fees, emotional of distress because I cant. Im not in my home before 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 2024-11-28 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: NC

Complaint narrative:
In Accordance with the Fair Credit Reporting Act Account : # XXXX XXXX XXXX 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 2024-11-28 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: GA

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. 

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. 

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

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 2024-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I use the Citibank card to collect miles on XXXX XXXX. As a result, this card is what I primarily use to pay bills and make purchases. Because my credit limit is insufficient to support my spending on that account each month, I will often make multiple payments throughout the month as needed. Though Citibank is quick to apply all spending, they are very slow to apply payments to my account. Often, they hold my funds for up to two weeks without, despite my ability to show the payment has cleared my bank. I am told it's the size of the payments, but even that answer does not explain the various holds. When pressed, I get different answers, depending on who I get on the line. No one has ever given a clear reason as to why there is a hold in the first place, other than stating " it's our policy '' or " it's a systemic hold. '' In addition, customer service on the " management '' level is abhorrent. When I ask to speak with a supervisor, that supervisor responds as though I dare question anything they do. If I can not get an answer, they refuse to transfer me to their supervisor. On my latest phone call today ( XX/XX/XXXX ), XXXX refused to give me an answer as to why there was a hold on my account. A large payment to Citicard cleared my account 6 days earlier on XX/XX/XXXX. Despite me telling him I could send proof, he said he could not remove the hold in time to take advantage of XXXX XXXX  sales. In fact, the hold would not be removed until XX/XX/XXXX! When I informed him the holds have been removed in the past if I could prove payment cleared my account, he said it did not matter because he could not do it in the case. When pressed as to why, he said nothing more than " it's a systemic hold '' and told me there was absolutely no one else I could talk to. Absolutely no one, he said. Wow.

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 2024-11-28 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-11-28 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: NY

Complaint narrative:
This account was charged off on the following date XX/XX/year> since then the account has repeatedly been updated as charged off every month.this is an update in the payment history.A charged off account should not include an active payment history.This inaccurate information falsely manipulates the statue of XXXXimitations.You failed to investigate this account properly and your neglect has violated my rights.I 'm demanding a deletion of the following accounts : XXXX account number XXXX XXXX account number XXXXXXXX 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 2024-11-28 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: NY

Complaint narrative:
This account was charged off on the following date XX/XX/year> since then the account has repeatedly been updated as charged off every month.this is an update in the payment history.A charged off account should not include an active payment history.This inaccurate information falsely manipulates the statue of limitations.You failed to investigate this account properly and your neglect has violated my rights.I 'm demanding a deletion of the following accounts : 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 2024-11-28 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 checked my TransUnion report and found an unauthorized XXXX XXXX XXXX XXXX opened on XX/XX/year>. I do not recognize this account and am reporting it as fraudulent activity. The reported balance is {$30000.00}, and I have submitted a claim to TransUnion regarding this issue.

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 2024-11-28 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: SC

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY.

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system.

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

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 2024-11-28 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:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-28 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: CA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> {$920.00} 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-28 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:
Dear Equifax, I received your attached response to CFPB complaint number XXXX dated XXXX XX/XX/year> in which you refused to honor my request to block information appearing on my credit report maintained by you as the result of identity theft and fraud. Attached to CFPB complaint number XXXX was a copy of FTC Identity Theft Criminal Complaint Number XXXX ( which has also been attached to the present complaint for reference ) as proof from the US Federal Trade Commission that the contested items appearing on my credit report were opened and are presently reporting in false 'verified ' status from the involved data furnishers as the result of identity theft and fraud. In your response, you gave reasons for the denial of the block in which the data furnisher requested to have the account information reinserted and submitted a certification that the account belongs to me and that the information is complete and accurate.

Your letter fails to tell me the source of the information you relied on in making such a determination and fails to disclose the procedure by which you obtained information about FTC Identity Theft Criminal Complaint Number XXXX or its contents from that source. My rights found within the FCRA entitle me to a reinvestigation of all contested items from my credit report which I asked you to block for the reason of identity theft and fraud in CFPB complaint number XXXX, and further entitle me to a written response from you which verifies the source of information you relied on in either granting or denying my original request for the information block as well as the procedures you used in order to obtain that information. Specifically, FCRA 611 ( 15 U.S.C. 1681 ( 6 ) - ( 7 ) ) entitles me to disclosure of the business name and address of the source of this information as well as a detailed description of the procedure by which you obtained information about the aforementioned FTC Identity Theft Criminal Complaint from that source in the course of your reinvestigation. I therefore request, pursuant to FCRA 611 ( 15 U.S.C. 1681I ), that you commence a reinvestigation of the aforementioned items from my credit report maintained by you and that you provide me with the aforementioned written verification of your investigation procedure as well as verification of the source of information you relied on in your decision to grant or deny my block request. If you are unable to verify these items in your reinvestigation, then I request that the contested items be permanently deleted from my credit report you maintain

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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

15 U.S.C. 1681 Section 602 A. States I have the rights 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.

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 2024-11-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
listed below are account that have violated my federally protected consumer rights to privacy and confidentiality under 15 Usc1681 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX i looked at XXXX  credit report on XXXX XXXX and noticed some things are incomplete and inaccurate.and according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure minimum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) A

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 2024-11-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aspen National Financial, Inc.
State: VA

Complaint narrative:
15 U.S.C. 1692c ( c ) states that a debt collector must cease further communication with a consumer if the consumer notifies them in writing that they refuse to pay the debt or wish the debt collector to stop contacting them ; essentially, a consumer has the right to tell a debt collector to stop contacting them regarding a debt by sending a written notice. 

State licenses does not apply this Virginia. This company is illegally collecting on this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-28 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: Fidelity National Information Services, Inc. (FNIS)
State: MA

Complaint narrative:
This letter serves as my formal demand under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) for a complete validation of the debts you claim I owe, associated with the accounts listed above. Despite my prior requests, you have failed to provide sufficient evidence that these debts are mine, which violates my rights as a consumer.

You are also violating my rights under 73 P.S. 201-1 et seq. ( Pennsylvanias Unfair Trade Practices and Consumer Protection Law ) by failing to provide transparency and accountability in your collection practices. 

The fraud accounts are as follow XXXXXXXX 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 explanation
Consumer complaint received 2024-11-28 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: CBC Companies, Inc.
State: MA

Complaint narrative:
This letter serves as my formal demand under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) for a complete validation of the debts you claim I owe, associated with the accounts listed above. Despite my prior requests, you have failed to provide sufficient evidence that these debts are mine, which violates my rights as a consumer.

You are also violating my rights under 73 P.S. 201-1 et seq. ( Pennsylvanias Unfair Trade Practices and Consumer Protection Law ) by failing to provide transparency and accountability in your collection practices. 

The fraud accounts are as follow XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

Company response to consumer: Closed with non-monetary relief