vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
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 Furniture/leasing loan that was opened XX/XX/year> under the account number # XXXX ). This account as result in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. The aforementioned accounts, collections and hard inquiries in question and maintained by you were not opened, made, or initiated by me. All the aforementioned accounts, collections and hard inquiries are the result in identity theft and fraud. I attached a copy of FTC Identity Theft Criminal Complaint 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 explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been having issues with experian credit report. There are a lot of accounts that are not mine on the report. I have been disputing them explaining that i had problems with fraudulent activity committed to me, and they dont do anything about it. Feel violated of my rights as consumer having these companies using me for fraudulent activities on experian report. 

Please see attached and help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am writing to express my concern regarding several disputed accounts on my credit report. Despite multiple attempts to address these inaccuracies, I have yet to receive a resolution or corrective action. The presence of these erroneous accounts is significantly affecting my credit standing and, consequently, my ability to manage my financial affairs effectively. 

The inaccuracies on my credit report have led to severe hardships, and I am left with no choice but to seek your assistance in rectifying this situation as soon as possible. I kindly request that a thorough investigation be conducted into each of these disputed accounts to ensure that my credit report accurately reflects my financial history. 

It is imperative that the necessary steps are taken to update and correct my credit report without further delay. I trust that you understand the importance of maintaining the accuracy and integrity of consumer credit reports and will take swift action to resolve this matter. 

Your prompt cooperation and support in addressing this issue would be greatly appreciated. I look forward to your response and the timely resolution of these disputes. 

Thank you for your understanding and assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/year> and a balance of {$0.00}. 
This account is completely Inaccurate this account was rightfully deleted from my XXXX report & is only reporting still here & effecting my life in a negative way. According 15 U.S.

Code 1681n states that any person who willfully fails to comply with the FCRA shall be liable for damages of up to {$1000.00} per violation. So before I begin to take legal action please take immediate actions on this account & remove it!

15 U.S. Code 1681i - Procedure in case of disputed accuracy : States that after reinvestigation of any information disputed by a consumer, the item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall delete this information. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Optio Solutions, LLC
State: TX

Complaint narrative:
I was one day late on payment to XXXX on XXXX apartments for rent due to being out of the country for a last minute work trip. I had no cell service. I had never been late on payment of rent. I came back and saw a notice to vacate on my door on XX/XX/year>. The paperwork states the amount I have to pay, and that the notice was unconditional. I paid my full balance on XX/XX/year>, and then moved out on XX/XX/year>. I called the leasing office upon move out day to ask where to drop off the keys. They informed me they didn't know I was moving out, and that since I paid they rescinded the notice without notifying me. The signed noticed by XXXX XXXX states that this notice is unconditional. I had already moved into a new apartment. ( XXXX information will be attached with date of move out ) I disputed this with the original company XXXX XXXX They marked the account as paid as agreed and closed the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
XX/XX/XXXX I submitted a dispute letter to the credit bureau disputing this collection. I received a letter back from the credit bureau stating this debt was valid. So I mailed a letter XX/XX/XXXX to the debt collector asking them to validate the date, they replied and said that I had attempted to dispute this debt back in XX/XX/XXXX and it belonged to me. No proof of how this debt belonged to me, no documentation was given to support this claim. I have now sent a second notice notice to this debt collector asking them to please provide documentation that the debt belongs to me. I have not lived in this apartment complex from the dates that they are stating.

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

Complaint narrative:
XXXX XXXX {$6600.00} Opened XX/XX/year> Your company is currently reporting a negative listing to the three major credit bureaus ( XXXX, Trans Union, and XXXX ) regarding the above referenced account. Based on my recollection and my records, I can find no reason for you reporting such a history. If you'll review your records I think that you will find your reported notations are inaccurate. 
The erroneous status of your credit reporting agency records is unacceptable and is preventing me from obtaining necessary financing.

Pursuant to Title 15, Section 1666 of the United States Code, I formally request the following documentary evidence pertaining to my account : Please verify this account belongs to me, including all payments made, late charges, interest, date of payments received, date of payments posted, charges made and date of charges posted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ALLY FINANCIAL INC.
State: OR

Complaint narrative:
Ally Financial {$6600.00} Opened XX/XX/2019 Your company is currently reporting a negative listing to the three major credit bureaus ( XXXX, XXXX XXXX, and XXXX ) regarding the above referenced account. Based on my recollection and my records, I can find no reason for you reporting such a history. If you'll review your records I think that you will find your reported notations are inaccurate. 
The erroneous status of your credit reporting agency records is unacceptable and is preventing me from obtaining necessary financing.

Pursuant to Title 15, Section 1666 of the United States Code, I formally request the following documentary evidence pertaining to my account : Please verify this account belongs to me, including all payments made, late charges, interest, date of payments received, date of payments posted, charges made and date of charges posted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I am writing to formally express my concern regarding the disputed accounts on my credit report. Despite multiple attempts to address the inaccuracies in these accounts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and significantly hindering my ability to lead a normal life. 

The negative effects of these inaccuracies have caused immense hardships, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. 

It is imperative that the necessary steps are taken to update and rectify my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file, thereby regaining control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To whom it may concern, I am filing this complaint to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that EXPERIAN credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within 3 business days of receiving this complaint. 

The fraudulent, inaccurate, and false information includes the following XXXX XXXX XXXX Collection Account Account Number : XXXX Balance : {$1300.00} XXXX XXXX Collection Account Account Number : XXXX Balance : {$1900.00} Inquiry from XXXX XXXX  Date : XX/XX/year> These fraudulent accounts have resulted in multiple unauthorized hard inquiries and collections appearing on my consumer XXXX credit report. I do not recognize these accounts, collections, or inquiries. They were not opened, made, or initiated by me and are entirely the result of identity theft and fraud. 

Attached is a copy of my FTC Identity Theft Report Case Number : XXXX which serves as proof that all the aforementioned accounts, collections, and inquiries are fraudulent. I request that you block this information from my credit report immediately as required by the Fair Credit Reporting Act. 
Your prompt attention to this matter is greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/year> I received an automated text that seemed it was from citi bank about a charge on my debit card from another state. The text had my name and said there was a charge on my Citi Bank Debit Card from another state that seemed fraudulent. The text said reply YES if this charge was you or NO if it was not. I texted back NO and received a call soon after from an individual pretending to be a Citi Bank representative. This man tricked me into sending a wire transfer of XXXX $ to another account under the illusion that this was the processs to cancel the fraudulent transaction from the text messages. This amount was all the money in my account and left only XXXX cents in my account. The wire was to a person with the name of XXXX XXXX. After the wire was sent he hung up. I called Citi Bank customer service immediately after the call who told me to wait until Monday to call the Citi Bank Fraud Department because they were closed for the weekend. By the time Monday came the wire had already went through and it was too late to recall the wire transfer. The fraud department said they would launch an investigation but their investigation concluded that the wire transfer was legitimate. I appealed and they said the wire was legitimate again. At this point one month had gone by since the transfer. Finally the fraud department offered to ask the beneficiary bank to return the funds. I did not receive an update on whether the beneficiary bank could return the funds until 4 months later. Citi Bank informed me the beneficiary bank was unable to return the funds. Even though the transfer was clearly fraudulent and I had my money stolen Citi Bank never reimbursed my lost funds.

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 monetary relief
Consumer complaint received 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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. 
XXXX with an account number 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 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.
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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

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. 
XXXX with an account number 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 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. In accordance with the Fair Credit Repo
rting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX 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 to be removed/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.

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!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
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 Furniture/leasing loan that was opened XX/XX/year> under the account number # XXXX ). This account as result in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. The aforementioned accounts, collections and hard inquiries in question and maintained by you were not opened, made, or initiated by me. All the aforementioned accounts, collections and hard inquiries are the result in identity theft and fraud. I attached a copy of FTC Identity Theft Criminal Complaint 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
I had funds stolen by a company called XXXX. I have proof that Navy Federal ignored, and they closed my claim and refuse to help me. Despite XXXX saying they are to help me recover stolen funds. 

Navy Federal has been ignored me and refuses to help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief