vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-19 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: GA

Complaint narrative:
I am writing to inform you that I have been a victim of identity theft, which has resulted in multiple fraudulent entries on my credit report. These unauthorized accounts and inquiries were added without my knowledge or consent, and I request immediate action to address them. 

ACCOUNTS - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have already filed an identity theft report with the Federal Trade Commission ( FTC ) and am demanding the prompt removal of these fraudulent items to restore the accuracy of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-20 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: GA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX SSN : XXXX Date of Birth : XX/XX/XXXX XXXX TransUnion XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX TRANSUNION FILE NUMBER : RE : Trafficking Block Request Dear Sir or Madam, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 



Accounts : Account numbers : Date Opened : XXXX XXXX XXXX. XXXX XX/XX/XXXX XXXX XXXX XXXX. XXXX XX/XX/XXXX XXXX XXXX XXXX. XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I also see 3 other names on my credit profile which is because of the trafficking. 
I need these names blocked and removed from my XXXX credit Report XXXX XXXX, XXXX XXXX, XXXX XXXX I have attached a copy of my SSN card, Valid IDs, and a copy of my utility bill to prove I am human who has been a victim of trafficking, so I do not need XXXX to say or write me and say they could not verify me or my account. 
Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. Section 605C ( b ) states that consumer reporting agencies can not provide consumer reports with adverse information about consumers who have been victims of XXXX XXXX or sex trafficking if the consumer has provided documentation of trafficking to the agency. I have attached a documentation of my self-attestation to you Transunion. Survivors do not need to provide additional evidence to prove their connection to trafficking, beyond self-attestation.

Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, 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 2024-09-19 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: VA

Complaint narrative:
After several months, I was finally able to see that all but one of my loans were forgiven on XXXX. However, they are all still on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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: VA

Complaint narrative:
After several months, I was finally able to see that all but one of my loans were forgiven on XXXX. However, they are all still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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: VA

Complaint narrative:
After several months, I was finally able to see that all but one of my loans were forgiven on XXXX. However, they are all still on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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: FL

Complaint narrative:
To my shock, inaccurate accounts suddenly showed up on my credit report today, and I have no explanation for why. I check my report regularly, and this time, I found errors out of nowhere. I tried refreshing my browser, thinking it might be an error, but nothing changed. Im deeply concerned, and Im asking for a detailed review of the documents Ive provided to ensure this doesnt happen again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
I previously made a request ( CFPB # XXXX ) in XX/XX/year> for removal of a tradeline from my XXXX report XXXX Well, I recently found that the tradeline still remains on my XXXX and XXXX. This credit line was opened fraudulently, and needs to be fully removed from ALL credit bureaus. The lines are showing a delinquency which affects my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-19 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:
When I checked my credit report this morning, I was shocked to see accounts that dont belong to me. I review my credit report regularly, but this time there were unexpected discrepancies. At first, I thought it might be a browser glitch and refreshed the page, but nothing changed. The inaccurate accounts persisted even after refreshing, which is incredibly frustrating. I just want the documents Ive submitted to be thoroughly reviewed, so I never have to deal with this again.

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 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In 2021 I was pondering a home purchase and was considering XXXX XXXX as my mortgage holder, so I opened an account with them. Ultimately, I decided I did not want to buy a home anywhere and be committed to one place. However, even when I closed my XXXX account, one thing never stopped -- EVERY MONTH I received something I NEVER SIGNED UP FOR : " Mission : Credit Confidence by XXXX XXXX '' This spam mail, sucking space and time, is my Transunion credit report, which is utterly USELESS to me since I have no log in for XXXX anyway. I was assured when I closed my account and they sent me a cashier 's check, that all my emails would stop too. As per usual with spammy folks, XXXX feels the need to keep telling me that my credit report can be seen if I figure out how to log into my NON EXISTENT ACCOUNT. 

I am fed up. Not sure how these CFPB complaints get shown but anyone looking closely will see this is my third in a row today dealing with spamming banks or cards that I have tried for YEARS to stop.I have resolved to not wait so long anymore. I am missing important messages, cluttering my inbox, and taking too much time to deal with this baloney. Time 's up.

No email should be allowed without opt-in consent. Period. NEVER EMAIL ME AGAIN, 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 2024-09-19 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: TX

Complaint narrative:
My account with was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 60 days 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. 

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 2024-09-20 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: WY

Complaint narrative:
Consumer name : XXXX XXXX XXXX consumer dob : XX/XX/XXXX consumer social security : # XXXX This cfpb complaint has been filed to request pursuant to fcra 605b 15usc1681 XXXXthat you, experian credit reporting agency, block information appearing on my consumer credit report that is the result of idenity theft and fraud/data breach within 4 business days of you receiving this complaint.The following accounts are result of idenity theft I am attaching copy of the FTC identity theft criminal complaint XXXX XXXX as proof. # XXXX XXXX acount # XXXX balance {$1400.00} opened on XX/XX/XXXX # XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$500.00} opened XXXX # XXXX XXXX XXXX XXXX XXXX XXXX balance {$6400.00} opened on XX/XX/XXXX # XXXXXXXX XXXX account # XXXX balance {$26000.00} opened on XX/XX/XXXX the aforementioned accounts where not opened made or initiated by me and are the result of idenity theft and fraud/data breach.i demand youbblock these accounts within 4business days of receiving this complaint.

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 2024-09-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I discovered I was a victim of identity theft when a Unpaid Collections account appeared on my credit report on XX/XX/year>. The collections account is through XXXX XXXX XXXX XXXX XXXX XXXX XXXX never confirmed the debt was legitimate nor confirmed the identity of the person imitating me. The apartment complex ( XXXX XXXX XXXX in XXXXXXXX XXXX ) that rented the apartment to the person imitating me never ran a background check or a credit check. My credit is locked at all times and they would have received an error if they tried to run my credit. My background check would show I own a home and do not live nor work in XXXX. They claim their policy is to run credit and background checks. They are either lying about their policies or they failed to comply with their own policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
RE : Formal Complaint Regarding Illegally Opened Credit Card and Unresolved Payment Issues Dear XXXX XXXX XXXXXXXX XXXX XXXXd Department, I am writing to formally express my concerns and dissatisfaction regarding a credit card account that was illegally opened in someone elses name, with my social security and credit attached to it, without my authorization. Despite my repeated efforts to address this matter, XXXX has failed to take appropriate corrective action. I have made numerous attempts to resolve this issue since XX/XX/2024, but my concerns remain unaddressed. 

First, I made a payment of {$1100.00} towards the balance on the card, and XXXX has failed to apply this payment to the account. Despite providing proof of this payment, the credit has not been reflected, and the outstanding balance remains unchanged. 

Furthermore, XXXX has failed to remove charges from the account that I did not make. On multiple occasions, I have requested proof of the charges made to this card, including those that XXXX alleges I have made, but no such proof has been provided. The lack of transparency and refusal to supply this documentation is deeply concerning. 

In addition, despite providing proof of my payment, XXXX continues to disregard it and has refused to credit the account. The refusal to correct this error, despite clear evidence, is unacceptable. 

I have had numerous telephone conversations with XXXX representatives since XX/XX/2024, and during these calls, I have repeatedly requested adjustments to correct the errors on the account. Despite these efforts, XXXX has refused to make the necessary changes. 

As a result of XXXX refusal to resolve this matter, I have been subjected to numerous late fees and interest charges, which have been unfairly added to the account. These unjustified fees, combined with the unresolved issues, have had adverse effects on my credit score and reports, causing significant harm to my financial standing. 

I urge XXXX to immediately investigate this matter, remove the fraudulent charges, apply my payment to the account, and reverse the late fees and interest charges that have been unfairly added. Failure to resolve this issue will leave me with no choice but to escalate this matter to the relevant regulatory authorities. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2024-09-19 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 need your support with the incorrect account appearing on my credit report. This matter has harmed my reputation, and I am requesting your help to fix it. The mismanagement of my credit report has put me in a tough spot, and my reputation has suffered. You are required to eliminate the incorrect details from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I purchased car battery from XXXX on XX/XX/XXXX in the amount of {$350.00}. However, the merchant did not deliver the product until the promised delivery date on XX/XX/XXXX. After unsuccessful attempt to contact the merchant by phone, I opened up a dispute with American Express on XX/XX/XXXX with the Reference number XXXX. American Express closed my dispute on XX/XX/XXXX without issuing any credit, stating that the merchant provided proof of delivery. 

However, the proof does not show that the product was delivered to my home address, does not show any signature nor photo of the package being left. Therefore, I called American Express again on XX/XX/XXXX. The company representative suggested me to open a purchase protection claim, however, the claim was rejected couple days later.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX is unlawfully attempting to collect and reporting an account that has been included in my bankruptcy. Under the XXXX Bankruptcy XXXX, any collection efforts or reporting on this account are illegal due to the protections afforded by the automatic stay and discharge injunction. Furthermore, the information they have reported, particularly regarding the date of activity, is incorrect and misleading. This constitutes fraudulent reporting, and I am requesting an immediate correction. Specifically, I demand the deletion of this account from all records to rectify this violation and ensure compliance with 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
Consumer complaint received 2024-09-19 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: MS

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-20 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: PA

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation