vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-25 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: WI

Complaint narrative:
I am charging that the XXXX largest credit agencies are not in fact providing a positive service as it relates to customer finance. Each of them use business rules and math algorithms designed to maintain the lowest possible consumer credit score. I contend this is done by all XXXX of the bureaus colluding with each other and the lending institutions that use their dubious services to overcharge the consumer with interest rates that are considered usury in most countries around the world. My proof is as follows : 1 ) The time it takes for your score to drop is not proportional to the time it takes to recover those lost points. Ie a " hard '' credit check is performed... ..your score plummets ... .time to recovery for just thinking about taking a line of credit? Months. That is criminal, period.

2 ) XXXX completely different sets of credit rules for businesses and down the street customers. Why is that? Aren't corporations considered individuals now, just like a person? Afforded the same protections but also get special treatment from the credit bureaus. Absolutely criminal.

3 ) The credit reporting circus assumes guilty until proven innocent with no trial or element of due process. I understand it is civil but the penalties for this unlawful practice can cost you hundreds of thousands of dollars in finance charges, be used to determine employability, determine if you have a place to live. Before you deprive me of a constitutional right, there ought to be due process involved. A letter mailed to an old address and XXXX email does not constitute due process.

Recently I had my credit score dropped by over XXXX points while i was waiting for verification of the validity of an old cable bill that magically popped up years after I had moved out of the state. While waiting for XXXX to verify the debt, they immediately reported this with no concern for my credit standing, XXXX accountability, the balance was a whopping {$120.00}. XXXX points on my credit score is worth far more to me than {$120.00}, but of course it will now take over a year to claw those points back because of credit score suppression collusion done by the credit agencies. The pathetic part of this is that it is done under the supervision of your organization. Who decides what is fair for a consumer? I have no faith in a bunch of unelected bureaucrats keeping watch over companies that pay the finance lobby to push through what they deem " fair for the consumer '' What recourse do I have in this matter? Who shall I contact? Who should be held accountable for this fiasco?

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 2024-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.

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 2024-03-25 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: VA

Complaint narrative:
XX/XX/2024 A payment was made in the amount of {$1000.00} via debit transaction in the retail XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The payment was inclusive of a past due amount {$190.00} plus current month {$190.00} along with {$610.00} in principle payment. The past due amount was due on XX/XX/2024 along with the XXXX payment. On XX/XX/2024 I received credit notification of a 30 day late and improper balance report as well. I am requesting the 30 day late status and balance adjustment in an expeditious manner. Attached you will find a copy of the store receipt and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX refuses to XXXX me online access to my statements to review due dates, statements, or make online payments. I have called several times to seek resolution and no resolution has been offered. The representatives will terminate the call and send you back through the automated prompts repeatedly or hang up to avoid the situation.

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 2024-03-25 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: VA

Complaint narrative:
XX/XX/2024 A payment was made in the amount of {$1000.00} via debit transaction in the retail store XXXX XXXX XXXX XXXX XXXX XXXX  The payment was inclusive of a past due amount {$190.00} plus current month {$190.00} along with {$610.00} in principle payment. The past due amount was due on XX/XX/2024 along with the XXXX payment. On XX/XX/2024 I received credit notification of a 30 day late and improper balance report as well. I am requesting the 30 day late status and balance adjustment in an expeditious manner. Attached you will find a copy of the store receipt and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  refuses to grant me online access to my statements to review due dates, statements, or make online payments. I have called several times to seek resolution and no resolution has been offered. The representatives will terminate the call and send you back through the automated prompts repeatedly or hang up to avoid the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: VA

Complaint narrative:
XX/XX/year> A payment was made in the amount of {$1000.00} via debit transaction in the retail store XXXX XXXX XXXX XXXX XXXX XXXX The payment was inclusive of a past due amount {$190.00} plus current month {$190.00} along with {$610.00} in principle payment. The past due amount was due on XX/XX/year> along with the XXXX payment. On XX/XX/year> I received credit notification of a 30 day late and improper balance report as well. I am requesting the 30 day late status and balance adjustment in an expeditious manner. Attached you will find a copy of the store receipt and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX refuses to XXXX me online access to my statements to review due dates, statements, or make online payments. I have called several times to seek resolution and no resolution has been offered. The representatives will terminate the call and send you back through the automated prompts repeatedly or hang up to avoid the situation.

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 2024-03-25 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:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within XXXX  days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over XXXX  days old.

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 2024-03-25 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: GA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-03-25 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: GA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-03-25 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: NY

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

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 2024-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. 

Details of the accounts are as follows : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : 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 2024-03-25 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: NY

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
The debt collector employed abusive, deceptive, and unfair tactics prohibited by the FDCPA. They provided details of this account without my agreement or signature on any agreement. A legal contract involves the consent of both parties, yet I had no involvement in this matter. Furthermore, they failed to adhere to the proper five-step validation procedure, constituting unfair practices. Under the FDCPA, I am entitled to {$1000.00} per violation, and it is evident that my rights were infringed upon.

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 2024-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP
State: CO

Complaint narrative:
I received a second notice of collection from a collection attorney, but never received a first notice or a billing from the agency that submitted the debt for collection. This is a debt for a toll road that I don't use. In the past this agency has opened an account in my name that I never requested and sent me a transponder sticker that was immediately shredded and never used.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: LA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 non-monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next XXXX  days.

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 2024-03-25 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: NY

Complaint narrative:
I checked my credit report and I can still see the Fraudulent account that I was requesting to get deleted. This account is damaging my credit and it's affecting my credit worthiness.

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 2024-03-25 00:00:00
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I had XXXX back in XXXX the XXXX was not performed correctly I talked to the company about it, and they said they would not fix the issue unless I paid more money. The company was never supposed to charge my Alphaeon credit card. So, I disputed the charge to Comenity Bank which is over Alpaeon credit card back in summer of XXXX and it stayed in dispute for over a year I never heard from the bank at all during that whole time until XX/XX/XXXX when they took money out of my bank account and closed the credit card and put the account on my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I asked to remove and update some inaccurate information on my report such as address that does not apply to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I asked to remove and update some inaccurate information on my report such as address that does not apply to me.

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 2024-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
Last year I received a letter from XXXX XXXX about a debt of over {$700.00}. I have no idea where this was from. Looking into it further I found it was from Synchrony bank and it was for a XXXX credit card. I have never owned one of these and haven't been to a XXXX in over 10 years. I called and spoke with someone from the fraud department at Synchrony and they said the account would be closed and they would mark it as fraud. It still shows up on my credit report though and is hurting it. I have never received a bill from this bank.

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 2024-03-25 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: GA

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a list of inquiries : 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 2024-03-25 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: MI

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

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