vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I disputed the accuracy of an account that is called XXXX that was been reported on my credit report as been inaccurate and false. I filed a dispute with all 3 credit bureaus concerning this matter and they came back saying that the matter was been reported accurately and the XXXX account would remain on my credit report. So, I filed a request asking all three credit bureaus for there method of verification used to investigate this matter. This request was filed through the Cfpb portal. I was informed that this request was sent to the credit bureaus on XX/XX/year>. 
The Fair Credit Reporting clear states that the claimant must get the method of verification requested within 15 days of making the request. If the credit bureau is unable to provide that method of verification within 15 days of it been requested then the account been disputed must be deleted from the credit report immediately. A failure to delete the disputed items and a failure to provide a detailed method of verification is a violation of the Fair Credit Reporting Act. I can then file a lawsuit against your company for false reporting and for violating my rights under the Fair Credit Reporting Act. More than 15 days have passed and no method of verification has been sent to me as yet.

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 2024-07-23 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: CA

Complaint narrative:
I file a complaint because I did not consent to, authorize nor benefit from any of the following inquiries or accounts. 

ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All is being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked immediately until the investigation is over. Since 4 business days from receipt of this communication allotted under the Federal Law to block these entries, it should be understood that failure to do so within a 4 business days period after receiving this letter constitutes reason to promptly delete the information from my credit file. Refer to : ( FCRA USC s 168li ( S ) ( A ) ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-23 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:
unfortunately, I am a victim of XXXX XXXX  of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2024-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.

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 2024-07-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
i contacted the credit agency to report that there was incorrect information on my credit report that needed to be removed, my initial correspondence was on XX/XX/year> after about 2 weeks i contacted your office to file a complaint on XX/XX/year> and within 7 days the credit agency responded with a request for documentation in which i promptly sent via certified mail... 

i recently got a responds back on XX/XX/year> but there was no change to my report, the report still had incorrect information being reported about me, more specifically the report has 6 different addresses, after i sent them a copy of my drivers license which states my address and i also sent the credit agency a peco bill which also has my address and correct name. 

i believe this is a deliberate act of discrimination and institutional racism and this company has cause me to missout on a number of opportunities due to their negligence

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 2024-07-23 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: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Subject : Request for Removal of Unauthorized Hard Inquiries To Whom It May Concern, I am writing to formally request the removal of unauthorized hard inquiries from my credit reports associated with your institutions. The details of the inquiries are as follows : Truist Bank Requested On : XX/XX/2024 These hard inquiries were unauthorized and do not align with my records with XXXX, XXXX, or XXXX. As per the Fair Credit Reporting Act ( FCRA ), specifically : Section 604 ( a ) ( 2 ) of the FCRA states that a consumer reporting agency may furnish a consumer report only with the consumers authorization. I did not authorize these inquiries, and thus, they do not meet the permissible purpose requirements outlined in the FCRA.

Section 611 ( a ) of the FCRA grants consumers the right to dispute inaccurate or incomplete information on their credit reports. These inquiries, not authorized by me and conducted without permissible purpose, are inaccurate and should be removed. 

Section 615 ( a ) requires that any consumer reporting agency must provide a consumer with notice when a negative credit report is used to take adverse action. Since these inquiries were not authorized, I did not receive such notice, which further supports the need for their removal.

I request that you promptly remove these unauthorized inquiries from all of my credit reports with XXXX, XXXX, and XXXX, and provide written confirmation once this action has been completed. The FCRA mandates that these matters be resolved within 30 days of receiving this request. 

Please contact me at the above address or phone number if you require further information or documentation to process this request. 

Thank you for 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 2024-07-23 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: CA

Complaint narrative:
This Account Originally of XXXX XXXX XXXX in which was reported to CFPB as well as FTC on XX/XX/XXXX due to being a victim of cyber identity theft as well as IRS Tax return Identity Theft. This account was fraudulently opened in which I had no knowledge of. The original complaint number : XXXX What correctly rectify by deletion from all credit bureaus as of XX/XX/XXXX. However, Recently this account has reappeared on my credit report as of XX/XX/XXXX as it has been sold to what seems to be XXXX XXXX XXXX stating the exact amount of the debt that have been originally deleted as of XX/XX/XXXX {$52000.00}. This reselling of a corrected unlawful Debt has hindered my credit health and needs to be deleted immediately without recourse.

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 2024-07-23 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: CA

Complaint narrative:
This Account Originally of XXXX XXXX XXXX in which was reported to CFPB as well as FTC on XX/XX/XXXX due to being a victim of cyber identity theft as well as IRS Tax return Identity Theft. This account was fraudulently opened in which I had no knowledge of. The original complaint number : XXXX What correctly rectify by deletion from all credit bureaus as of XX/XX/XXXX. However, Recently this account has reappeared on my credit report as of XX/XX/XXXX as it has been sold to what seems to be XXXX XXXX XXXX stating the exact amount of the debt that have been originally deleted as of XX/XX/XXXX {$52000.00}. This reselling of a corrected unlawful Debt has hindered my credit health and needs to be deleted immediately without recourse.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
My student loan servicer is Navient. I have made multiple attempts to discuss separating my student loan from my ex husband 's student loan. I have to act like a collection agency to get my ex to pay his share. Although he is listed I am the main borrower. I would like to accelerate my payments and get this taken care of but I can't do that with his loans on my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Propel, Inc.
State: WA

Complaint narrative:
In XXXX I was in a very serious XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was in the hospital and then a XXXX XXXX from XXXX until XXXX. I was assigned a state employed home health care worker in XXXX who abused their position to gain access to my Financials. The police discovered that this person while i was in a XXXX XXXX XXXX had used my finger to unlock my phone and ad their own biometrics to the device which they then stole. They were finally arrested in XXXX and the police recovered my phone, debit cards and other personal items that had been stolen in the process. Due to my limited vision i wasn't able to fully scope the entire situation until after the arrest. At that point I canceled cards and changed pins but they were logged into my XXXX  from another device and even after their arrest when I updated my info they proceeded to make XXXX more transfers. They were then rearrested and I had someone from the financial crime devision sit with me and go through everything and make sure we took away their access once and for all. The police provided Providers with detailed information regarding how the charge suspect got access, maintained access and that my personal phone wasn't returned to me until late XXXX. Further more the account that was withdrawing my funds is not registered in my name nor had my device ever been associated with it. I had to file XXXX different disputes. The two with substantial charges were immediately denied but only the one with XXXX dollars agreed that the police communication was sufficient to proceed with my dispute. I again appealed using the acceptance of one and was again denied but this time that person decided to deny all XXXX. Today is the XXXX business day since I filed the disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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: HI

Complaint narrative:
unfortunately, I am a victim of XXXX XXXX XXXX XXXX XXXX I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2024-07-23 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: CA

Complaint narrative:
There are certain accounts that have been reported inaccurately on my credit report. These inaccuracies are significantly impacting my credit score, causing it to decrease. It is crucial that immediate action is taken to address this issue. I kindly request that these inaccuracies be promptly blocked, removed, or corrected through appropriate measures. This is essential to ensure the accuracy of my credit profile and to prevent any further negative consequences on my financial standing.

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 2024-07-23 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: CA

Complaint narrative:
This Account Originally of XXXX XXXX XXXX in which was reported to CFPB as well as FTC on XX/XX/XXXX due to being a victim of cyber identity theft as well as IRS Tax return Identity Theft. This account was fraudulently opened in which I had no knowledge of. The original complaint number : XXXX What correctly rectify by deletion from all credit bureaus as of XX/XX/XXXX. However, Recently this account has reappeared on my credit report as of XX/XX/XXXX as it has been sold to what seems to be XXXX XXXX XXXX stating the exact amount of the debt that have been originally deleted as of XX/XX/XXXX {$52000.00}. This reselling of a corrected unlawful Debt has hindered my credit health and needs to be deleted immediately without recourse.

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 2024-07-23 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: DE

Complaint narrative:
My account with XXXX 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 in those account 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 non-monetary relief
Consumer complaint received 2024-07-23 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: DE

Complaint narrative:
My account with XXXX 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 in those account 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 2024-07-23 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've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2024-07-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I carry a {$0.00} balance on my QuickSilver credit card with Capital One. I was assessed an annual fee of {$39.00} on XX/XX/XXXX. I did not realize I owed anything on the card ( the annual fee ) and was assessed a late fee of {$25.00} on XX/XX/XXXX ( less than one month after the fee was assessed ). As a result, I closed the account within 39 days of the annual fee being assessed, which, per Capital One policy means they will now reverse the {$39.00} fee. However, they will not reverse the {$25.00} late fee they assessed on the annual fee that i no longer owe. Enjoy the last {$25.00} you ever get from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
I submitted payment to XXXX XXXX via Cashapp in XX/XX/year>. I tried to cancel the order but the seller said they already shipped. For 3 months I followed up and even requested refund via Cashapp but the Block seller refused. I received fake shipping information twice.

I informed Block, Cashapp, and XXXX but no one will step in. Consumers are left searching for help and these financial institutions do nothing to prevent fraud by scammers using their platforms.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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: LEXISNEXIS
State: FL

Complaint narrative:
Lexus nexus since XX/XX/XXXX. I Did all that was required. XXXX XXXX from collection agency took fraud off and notified all 3 credit agencies and lexus nexus by XXXXOscar. 
Lexus nexus still wanted to contact XXXX and they say XXXX will not respond back and they just don't do anything I spent 3 hours on phone tonight with 4 different agents. It is well over 30 days so lexus nexus just sends 15 page letter stating they can't ID me even after i sent them all info and they have sent many letters with information about problem! but I have to call after every bi weekly letter because they make no sense. they just say, ignore its pending. or ignore we have you ID 'D So as of XX/XX/XXXX they say XXXX will not respond and my problem. I looked on my XXXX app and can see fraud was deleted from my credit report. Called XXXX over and over to tell them to respond to lexus nexus but can't get past automated line they hang up. at XXXXXXXX XXXX got through to XXXX  to tell them to contact lexus nexus about it being taken off report. at 2 minutes to 8 after going through verification process that took 10 minutes they said i need fraud dept and is now closed. I explained problem and she said she could not help me. no one will help.

Company response to consumer: Closed with explanation