vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-22 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: FL

Complaint narrative:
Im am sending a second notice to XXXX XXXX, transunion and XXXX Which are all aiding in the reporting of non public information without my expressed consent Including accounts : XXXX : Account : XXXX U S DEPT OF ED/XXXX, Account Number : XXXX XXXX. Transunion : Account : US DEPT OF EDUCATIONXXXX, Account Number : XXXX and account number XXXX XXXX. XXXX : Account : Us dept of education, Balance : {$5300.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX I am demanding the immediate deletion of all accounts above I have opted out of all creditors sharing my non public information and I have opted out of cras Doing the same which Puts both in default of bad buisness practices 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 non-monetary relief
Consumer complaint received 2024-06-22 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:
Im am sending a second notice to XXXX XXXX, XXXX and equifax Which are all aiding in the reporting of non public information without my expressed consent Including accounts : XXXX : Account : XXXX U S DEPT OF EDXXXX, Account Number : XXXX XXXX. XXXX : Account : US DEPT OF EDUCATIONXXXX, Account Number : XXXX and account number XXXX XXXX. Equifax : Account : Us dept of education, Balance : {$5300.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX I am demanding the immediate deletion of all accounts above I have opted out of all creditors sharing my non public information and I have opted out of cras Doing the same which Puts both in default of bad buisness practices and fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
i am unable to obtain my consumer report from credit reporting agencies.

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 2024-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
My car is paid I financed through Santander Consumer USA but it's still showing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 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: Credit Karma, LLC
State: OK

Complaint narrative:
On XX/XX/2024 I had reserved a rental thru vip rentals for XXXX when I got to the rental company I had a major credit card for the XXXX deposit. When I tried to use my credit card, the chip reader wouldnt read my card. The manager refused to manually enter my card number so I never got to rent the vehicle. I spoke with XXXX and they told my rentals never paid them because the transaction never happened. I called, emailed rentals with no success. Do I filed a dispute with my bank bc I never received the rental and the rental company never received my money I paid vip to rent the car. I just received a email from my bank telling me they found no error on part of vip. There was no error it was they was paid for a product I never received and they refuse to credit my account back. They got paid for services that was never provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am putting Experian, XXXX, XXXX On second notice For the report of Fraudulent non public information on my report like transaction history and experiences which is excluded from Report via 15 us code 1681a ( i ) These accounts : XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX  Account number XXXX Needs to be deleted from my report immediately I have opted out of all CRAs selling and sharing my non public information like these accounts above If accounts are not deleted swiftly then I will have no choice but to escalate this case to a default judgement

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 2024-06-22 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: UT

Complaint narrative:
I am contacting you regarding the recent investigation. I disagree with your findings and insist on complete accuracy. I am not satisfied with the efforts made to contact the creditor/agency reporting this information on my report. Consequently, I am requesting more information about this specific account : XXXXXXXX XXXX XXXXXXXX Balance : {$2700.00}. As previously stated under the provisions of the Fair Credit Reporting Act 15 U.S.C. Section 1681i, please reinvestigate and update this disputed account. Provide me with the names and addresses of the individuals contacted. You have fifteen ( 15 ) days from the receipt of this correspondence, as per 15 U.S.C. Section 1681i ( 5 ) ( A ), to complete these actions unless I am notified otherwise. Failure to verify within this timeframe constitutes non-verification, requiring the prompt update of the account as per Section 1681i ( a ). In accordance with 15 U.S.C. Section 1681i ( d ) of the Fair Credit Reporting Act, please notify me once the account has been updated. After this is completed, kindly send me an updated copy of my credit report to the address provided.

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 2024-06-22 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: FL

Complaint narrative:
Im wanting these inquiries to be deleted because I did not authorize these companies to run my credit this is all fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 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: FL

Complaint narrative:
Im wanting these inquiries to be deleted because I did not authorize these companies to run my credit this is all fraudulent.

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 2024-06-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Im contacting you regarding the recent investigation findings. I disagree with the conclusions and demand complete accuracy. I am not satisfied with the efforts made to contact the creditors/agencies responsible for the information on my report. I request further information on the following accounts : XXXX XXXX XXXX Balance : {$74.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$7200.00} ; XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX  Balance : {$25.00} ; XXXX XXXX XXXX  Balance : - ; XXXX XXXX Balance : {$140.00} ; XXXX XXXX XXXX  Balance : {$110.00}. As per the Fair Credit Reporting Act 15 U.S.C. Section 1681i, I request a reinvestigation and update of these disputed accounts. Provide the names and addresses of the individuals contacted during this process. You have fifteen ( 15 ) days from receipt to complete these actions unless informed otherwise. Failure to verify within this timeframe constitutes non-verification, necessitating prompt updating of the accounts as per Section 1681i ( a ). In accordance with 15 U.S.C. Section 1681i ( d ), notify me once the accounts have been updated. Provide an updated copy of my credit report following this resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 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:
I believe FCRA 605B mandates the removal of any erroneous accounts from my credit report. Could you verify the documents? Some accounts listed have incorrect reporting, amounts, and dates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-22 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:
According to FCRA 605B, we are required to delete any incorrect accounts from my credit report. Could you review the documents? Some of the listed accounts have inaccurate reporting, amounts, and dates.

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 2024-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
It seems that FCRA 605B necessitates the removal of incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurately reported, with wrong amounts and dates.

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 2024-06-22 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:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payment on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments Ive attached a screenshot of the error on my credit report to this complaint on the following date XX/XX/year> Im now requesting you investigate this account and update this payment to paid on time immediately. Thank you for your time!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-22 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:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payment on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments Ive attached a screenshot of the error on my credit report to this complaint on the following date XX/XX/year> Im now requesting you investigate this account and update this payment to paid on time immediately. Thank you for your time!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 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: WI

Complaint narrative:
I have complained in the past. About my credit report tool to notice my accounts notice errors on how every month. I noticed there is a Glitch on the that there usein on my credit report which keeps copy records accounts paid showin my account. Credit specialist lhired notice this problem. Credit report company which also agreed ..it started XXXX. Equifax doesn't have no accounts. Shows I'm behind. my score from XXXX. Decrease XXXX. I have. Paid accounts off. EquifaxI have noticed they have. Removed. Pointtd 3x. From my credit scores with isn't fair which keeps me in the range under XXXX a month I ordered my credit report every month. Equifax account all Payments paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 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: FL

Complaint narrative:
I am reaching out regarding the recent investigation findings. I disagree with the conclusions and insist on complete accuracy. I am dissatisfied with the effort made to contact the creditors/agencies responsible for the reported information on my file. Therefore, I am requesting additional details regarding the specific account in question : XXXX XXXX XXXX Balance : {$4600.00}. As previously mentioned, pursuant to the Fair Credit Reporting Act 15 U.S.C. Section 1681i, I am formally requesting a reinvestigation and correction of the account. Please provide me with the names and addresses of the individuals contacted during this process. You have fifteen ( 15 ) days from the date of receipt of this correspondence, as stipulated in 15 U.S.C. Section 1681i ( 5 ) ( A ), to fulfill these obligations unless alternative arrangements are communicated to me. Failure to verify within this timeframe constitutes non-verification, necessitating the prompt correction of the account in accordance with Section 1681i ( a ). As per 15 U.S.C. Section 1681i ( d ) of the Fair Credit Reporting Act, please notify me upon the completion of the update. After resolving this matter, kindly send an updated copy of my credit report to the address provided.

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 2024-06-22 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:
My account with XXXX was never late! I have had exceptional payment history with 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 in XX/XX/year> 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. 


XXXX 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 2024-06-22 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:
This is my 2nd letter that I was subjected to misleading credit reporting and I write to dispute this inquiry in my file resulting from the crime. The inquiry I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of this inquiry in my credit file that resulted from a misleading credit reporting : XXXX XXXX XX/XX/year>. This inquiry is unknown to me. Also, the information you provided on this inquiry was DELETED from other bureaus and I have doubts about their accuracy and the reported history date on this inquiry is a mystery to me. Per Fair Credit Reporting Act Section 605B ( a ) you are requiring to remove any inquiry that was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 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: TX

Complaint narrative:
Im contacting you regarding the recent investigation findings. I disagree with the conclusions and demand complete accuracy. I am not satisfied with the efforts made to contact the creditors/agencies responsible for the information on my report. I request further information on the following accounts : XXXX XXXX XXXX Balance : {$74.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$7200.00} ; XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX  Balance : {$25.00} ; XXXX XXXX XXXX Balance : - ; XXXX XXXX Balance : {$140.00} ; XXXX XXXX XXXX Balance : {$110.00}. As per the Fair Credit Reporting Act 15 U.S.C. Section 1681i, I request a reinvestigation and update of these disputed accounts. Provide the names and addresses of the individuals contacted during this process. You have fifteen ( 15 ) days from receipt to complete these actions unless informed otherwise. Failure to verify within this timeframe constitutes non-verification, necessitating prompt updating of the accounts as per Section 1681i ( a ). In accordance with 15 U.S.C. Section 1681i ( d ), notify me once the accounts have been updated. Provide an updated copy of my credit report following this resolution.

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 2024-06-22 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:
I understand that FCRA 605B requires us to remove incorrect accounts from my credit report. Can you check the documents? Some of the accounts listed have incorrect reporting, amounts, and dates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-22 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: FL

Complaint narrative:
Could you please delete these inquiries? I am unaware of them, and the company acted without my permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
FCRA 605B appears to require the removal of any incorrect accounts from my credit report. Could you please verify the documents? Some of the listed accounts are inaccurate in their reporting, amounts, and dates.

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