vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-05 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:
RE : XXXX  Block Requests To Whom It May Concern, I am a victim of XXXX.The Information listed below, which appears on my credit report, is the of that XXXX, XXXX  XXXX XXXX Date inquiry XX/XX/XXXX XXXX Date inquiry : XX/XX/XXXX XXXX Date XXXX XXXX XXXX XXXX Date inquiry XX/XX/XXXX XXXX XXXX  XXXX, Date inquiry XX/XX/XXXX XXXX : XXXX XXXX XXXX  Date inquiry XX/XX/XXXX XXXX XXXX XXXX  XXXX Date inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date inquiry XXXX XXXX. XXXX Date inquiry XX/XX/XXXX XXXX. XXXX XXXX  XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account number XXXX XXXXXXXX XXXX XXXX XXXX Account Number XXXX XXXX. XXXX XXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX Account Number XXXX XXXX. XXXX XXXX  Account XXXX XXXX XXXX. XXXX XXXX XXXX Account Number XXXX XXXX. XXXX XXXX XXXX Account Number XXXXPlease block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notifications of the actions taken. I appreciate your prompt attention to this matter

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 2024-12-05 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: TX

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-12-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Unifin Inc.
State: AZ

Complaint narrative:
I paid and settled this account and confirmed that with unifin. The representative stated that they could not provide me a letter of payment stating it would be deleted from my credit report. She stated I could not record her stating that and then hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 non-monetary relief
Consumer complaint received 2024-12-05 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: EQUIFAX, INC.
State: CA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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: NC

Complaint narrative:
It is unacceptable to have this late payment on my account, given my history of making payments on time. Please remove it and update my account accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Concord Servicing Corporation
State: MD

Complaint narrative:
Initially, we contacted XXXX XXXX XXXX, we received calls from XXXX XXXX, XXXX XXXX at the supposedly a world leader in time-share exit strategies. They contacted us numerous times, took our information and we declined their offer. Mysteriously, other companies, too many to remember or name, started contacting us about our desire to rid ourselves of the time-share we never once used due to poor, or deceptive miscommunication as to how we could schedule our appointed week. 

What alarmed us the most, was a statement made by the hardcore salesperson that we continued to reject ; he threatened that our credit scores would be drastically affected by our choice to reject their {$8000.00} offer. At the time XXXX XXXX 's score was ( XXXX Excellent down to XXXX ; XXXX XXXX  Excellent XXXX XXXX ) Then, XXXXXXXX XXXX XXXX XXXX XXXX  invited us to an owner 's ( XXXX XXXX ) banquet at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXXXXXX XXXX. They were surprised that we were still paying the mortgage. They told us to stop paying the mortgage, but make sure the maintenance fees were current. The delinquent monthly payments for XXXX were given to XXXX XXXX XXXX who hits our credit report monthly. 

During the compelling presentation designed to free us from the drudgery of the TIME-SHARE experience, we agreed to accept a proposal to rid us of the problem using proprietary methods exclusive to their firm. This method was costly, but somehow or by sleight of hand, we couldn't find the expensive docs when we got home that indicated the promise to a one-price solution ( liquidation option/ not a conversion program package ) from another partnership ( XXXX XXXX XXXX  non accredited by XXXX, we later found out ). They quoted a reasonable one-time fee of {$1500.00} USD for legal fees and drafting of paperwork. She ( XXXX XXXX ) further alluded to the {$11000.00} USD ( XXXX XXXX XXXX ) was paid to XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX is the name that debited credit card ) for a conversion and points program package that we weren't seeking! In addition to this mindblowing atrocity, she audaciously forwarded an emboldening and threatening email, supposedly from the time-share company XXXX XXXXXXXX  suggesting a settlement price of {$9500.00} USD to exit the timeshare. 

Throughout this experience, we never met our supposed lawyers that received our hard earned money. 

The coincidence of invitations alerted our suspicions that something is certainly amiss, since, the balance of the time-share is {$16000.00} USD and the collective total of the proprietary exit program is {$1500.00} + {$9500.00} + {$11000.00} = {$22000.00} We'd like to file criminal charges for this type of predatory practices

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: TN

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 response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: TN

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 explanation
Consumer complaint received 2024-12-05 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:
My accounts 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 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 explanation
Consumer complaint received 2024-12-05 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: NY

Complaint narrative:
I discovered multiple violations of the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws concerning how my credit information has been handled. Specifically : Willful Noncompliance ( FCRA Section 616 ; 15 U.S. Code 1681n ) : My credit information was accepted and reported without proper verification, which constitutes willful noncompliance punishable by civil liability.

Failure to Disclose Opt-Out Rights ( FCRA Section 603 ( d ) ( 2 ) ( A ) ) : I was not informed of my right to opt out of sharing my personal information, which is a clear violation of my rights as a consumer.

Furnishing Inaccurate Information ( FCRA Section 623 ( a ) ( 3 ) ) : Inquiries and accounts were reported inaccurately without proper validation, violating Generally Accepted Accounting Principles ( GAAP ) and the FCRA. 

Unfair Debt Collection Practices ( Debt Collection Practices Act ; 15 U.S. Code 1692g ) : Unverified debts were reported, leading to harassment and distress from creditors contacting me without proper authorization or consent.

Improper Disclosure of Debt Information ( 15 U.S. Code 1692b ) : Debt collectors disclosed my debt information to third parties, violating regulations that protect my privacy. 

Deceptive Reporting of Late Payments : Late payments were reported inaccurately without clearly defining what qualifies as a late payment, creating a misleading and unfair representation of my creditworthiness. 

Errors in Finance Charge Determination : There were inaccuracies in how finance charges were calculated and reported, which is the responsibility of the credit reporting agency.

Reporting Without Consent ( FCRA Permissible Purposes ; 15 U.S. Code 1681b ) : Information was included in my credit report without obtaining my written consent, breaching the permissible purposes outlined in the FCRA. 

In light of these violations, I have requested the deletion of specific incorrect personal information and unauthorized or unverified accounts from my credit report. These include accounts associated with entities like XXXX XXXX, DPT Treasury, XXXX, XXXX XXXX XXXX. If these issues are not resolved promptly, I intend to pursue legal remedies as provided under the 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 2024-12-05 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: TX

Complaint narrative:
I was reviewing my credit report and saw an inquiry from your company that I dont recall authorizing. This has me really concerned, as its affecting my credit score and causing unnecessary stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hello, I am submitting a complaint on Citi bank, they closed 2 of my credit cards because they haven't received document from me. I have tractor supply credit card with citi bank and citi american airlines credit card. I was able to use my cards previously without problem, I was doing my payments on time. I haven't received any letter, because the letter they have sent to me was sent on XX/XX/XXXX on XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, I attached the letter they provided to me. But at that time I have already moved to my new address XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I attached my statement that you see I have moved to my new address. I haven't received a call or email regarding that they have requested document from me. Whenever I would login there were no notification that there was a problem with my account. When they closed the account the red notification appeared in my account, but not when they requested documents, I attached screenshot. I am not asking just to reopen my cards, I request to allow me to send them document they requested and process it, once they process it I ask them to reopen my cards. I am ready to provide the information they need, but they don't agree to allow me to send my document and reopen my cards, despite the fact I was never able to know that there is a problem with my cards.

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 2024-12-05 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: IL

Complaint narrative:
PLEASE BLOCK AND REMOVE. Kindly expedite the removal of the unauthorized accounts from my credit report. I did not authorize or initiate these accounts and have no knowledge of their origins. In compliance with USC 1681g, I formally request their removal within 15 days. Relevant documents are enclosed for your review and reference.

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 2024-12-05 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: TX

Complaint narrative:
1. Inaccurate Reporting " The accounts listed on my credit report contain inaccuracies, including incorrect account statuses, payment history, and/or account balances. Despite previous attempts to have these corrected, they continue to reflect erroneous information, which is unfairly impacting my credit score. I am requesting assistance in having these accounts reviewed and removed due to the inaccurate reporting. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
i received collection letter today XX/XX/year> i requested the company Portfolio Recovery Associates LLC to cease and desist contacting me but they continue to send letters and try to collect a debt i don't owe

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: OH

Complaint narrative:
XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed.

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1100.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$560.00} **Inquiries** XXXX XXXX XXXXXXXX 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