vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting on Account with Equifax Dear CFPB, I am filing this formal complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for the following account : Account Details Account Name : XXXX  Account Number : XXXX Despite multiple requests for correction, including dispute letters sent on XX/XX/XXXX and XX/XX/XXXX, my requests have been ignored, and the erroneous information remains unchanged on my credit report. This lack of action violates both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Summary of Errors and Discrepancies : Late payments are incorrectly reported for the following periods : Equifax : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
The discrepancies include inconsistent dates of activity, reporting, and late payment histories. 
The account has been verified multiple times, yet the inaccuracies persist without correction. 
FCRA Violations : Under 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files. In my case, this responsibility has not been upheld. 
Desired Resolution : Immediate removal of the inaccurate late payment notations from my credit report. 
Written confirmation of the corrections made. 
If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant agencies. Please address this matter with the urgency it requires and ensure compliance with federal laws to protect consumer rights. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XX/XX/XXXX nonstop administration insurance services notified me of a data breach and offered free credit monitoring. I placed a credit freeze on XXXX. I was not aware that I would need to place a credit freeze with XXXX and Trans Union. On XX/XX/XXXX XXXX XXXX XXXX XXXX Illinois XXXX which is a debt collector sent me a notice of a debt owed to the state of Maryland XXXX. I have called the state of Maryland XXXX numerous times and have been unable to get information concerning this debt. I am disputing the debt with the state of Maryland because I have never taken a class there this is not my debt and I have no knowledge of the charge. On XX/XX/XXXX I sent a formal dispute back to XXXX XXXX XXXX debt collectors explaining to them that this was not my debt. I spoke with the US Department of Education on XX/XX/XXXX and they re-searched and could not find anything concerning a debt for me with a national student loan information system and no account in my name nationally. I not received any information back from them as of todays date XX/XX/XXXX. I completed a dispute with CFB on XX/XX/XXXX and received information that this was a department of Education issue. I spoke with a representative with CFPB on XX/XX/XXXX and explained the situation and was told that I needed to dispute all of this again and make a dispute separate to XXXX XXXX to Trans Union and one concerning the collection agency of 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
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XX/XX/XXXX nonstop administration insurance services notified me of a data breach and offered free credit monitoring. I placed a credit freeze on XXXX. I was not aware that I would need to place a credit freeze with Experian and XXXX XXXX. On XX/XX/XXXX XXXX XXXX XXXX XXXX Illinois XXXX which is a debt collector sent me a notice of a debt owed to the state of Maryland XXXX. I have called the state of Maryland XXXX numerous times and have been unable to get information concerning this debt. I am disputing the debt with the state of Maryland because I have never taken a class there this is not my debt and I have no knowledge of the charge. On XX/XX/XXXX I sent a formal dispute back to XXXX XXXX XXXX debt collectors explaining to them that this was not my debt. I spoke with the XXXX Department of Education on XX/XX/XXXX and they re-searched and could not find anything concerning a debt for me with a national student loan information system and no account in my name nationally. I not received any information back from them as of todays date XX/XX/XXXX. I completed a dispute with XXXX on XX/XX/XXXX and received information that this was a department of Education issue. I spoke with a representative with CFPB on XX/XX/XXXX and explained the situation and was told that I needed to dispute all of this again and make a dispute separate to Experian onXXXX to XXXX XXXX and one concerning the collection agency of 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 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am submitting this complaint against TransUnion credit reporting agency for failing to resolve a dispute regarding an unauthorized hard inquiry on my credit report. Despite my formal request for investigation and removal under the Fair Credit Reporting Act ( FCRA ), TransUnion has not taken appropriate action. 

Unauthorized Hard Inquiry : Creditor/Company : FACTUAL DATA Date of Inquiry : XX/XX/XXXXXX/XX/year> Credit Bureau Involved : TransUnion Violation of FCRA : Section 604 ( 15 U.S.C. 1681b ) : The inquiry does not meet permissible purposes, and I never authorized this inquiry.

Section 609 ( 15 U.S.C. 1681g ) : I formally requested validation of the inquiry, including written proof of my consent, but TransUnion has failed to provide sufficient documentation.

Section 611 ( 15 U.S.C. 1681i ) : TransUnion has an obligation to investigate disputes and remove inaccurate or unverifiable information. To date, they have not removed the unauthorized inquiry. 
Impact on My Credit Report and Finances : The unauthorized inquiry has caused harm to my XXXX XXXX, affecting my ability to secure favorable credit opportunities. XXXX failure to address this matter undermines my rights under federal law and exposes me to potential identity theft.

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 2024-12-17 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX denied an increase in my credit limit due to information provided my Equifax credit services that was inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exto Inc.
State: TX

Complaint narrative:
On XXXX XXXX XXXX  I requested product from XXXX. An account was opened and I paid {$25.00} to load onto my account. I never received my payment card for my account so I requested a refund of my {$25.00} payment due on XXXX due to me not receiving the products I paid for. However, I only received a refund of {$16.00} on XXXX and was not notified until XXXX XXXX XXXX  when I received an invoice stating I owed {$8.00}. This was already deducted from my {$25.00} refund on XXXX so I requested to have my account closed. I have email confirmation stating that the account was closed but for some reason, this company still reported the account to my credit report as an open account with a {$1000.00} credit limit and {$8.00} balance owed. I never applied neither was I approved for {$1000.00} credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

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 2024-12-17 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

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 2024-12-17 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX To : XXXX XXXX XXXX XXXX : Request for Removal of Unveriable Account Dear XXXX XXXX Department, I am writing to formally request the removal of an account from my credit report as reported by [ XXXX, XXXX, or TransUnion ]. This request is based on the recent deletion of an account by XXXX, XXXX of the XXXX major credit reporting agencies. I recently disputed a charge-o for {$320.00} from XXXX XXXX Banks, listed on my XXXX report, and following a thorough investigation, XXXX has XXXX removed this unveriable debt from my report as of XXXX 
According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and veriable. Since XXXX has removed this account after its verication process, I request that you do the same and remove this unveriable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unveriable information must be deleted from a consumer 's credit XXXX. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unveriable information. Since XXXX has deemed this account unveriable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unveriable, I urge you to align its records accordingly. 
Please provide conrmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including XXXX a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non-compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance.

I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 
Sincerely, 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 2024-12-17 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX  To : XXXX XXXX XXXX XXXX : Request for Removal of Unveriable Account Dear XXXX XXXX Department, I am writing to formally request the removal of an account from my credit report as reported by [ Equifax, XXXX, or XXXX ]. This request is based on the recent deletion of an account by XXXX, XXXX of the XXXX major credit reporting agencies. I recently disputed a charge-o for {$320.00} from XXXX XXXX Banks, listed on my XXXX report, and following a thorough investigation, XXXX has XXXX removed this unveriable debt from my report as of XXXX 
According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and veriable. Since XXXX has removed this account after its verication process, I request that you do the same and remove this unveriable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unveriable information must be deleted from a consumer 's credit le. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unveriable information. Since XXXX has deemed this account unveriable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unveriable, I urge you to align its records accordingly. 
Please provide conrmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including XXXX a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non-compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 
I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Klarna AB
State: IL

Complaint narrative:
Ive been waitin XXXX months for my money back for an item I didnt receive and Klarna XXXX me XXXX times and credited me only XXXX they owe me XXXX I have proof from my credit card transactions. The first dispute the rep put it in incorrectly the second dispute no resolve I just made the third dispute today and have to wait XXXX more days and its been since XX/XX/year> since I told them I didnt receive the northface coat

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: CA

Complaint narrative:
I am asking for your help with the incorrect account reflected on my credit report. This issue has harmed my standing as a customer, and I need your intervention. These accounts must be removed as they are reported incorrectly and are damaging.

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 2024-12-17 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: TX

Complaint narrative:
XX/XX/XXXX I submitted my human trafficking documentation to Equifax around XXXX XXXX. This morning early, before my doctors office was even open, Equifax had sent an email denying my self-attestation form stating it was not valid. I called Equifax and they stated that they called my doctor 's office, which per the guidelines I have read is not something they are permitted to do per 605C FCRA, and are requesting more information. My doctor 's office was not open until after I spoke to Equifax and they stated Equifax did not call, nor email, nor have any correspondence with them.

I have obtained a letter from my medical provider which I am attaching along with their correspondence and all of the documents I submitted to them so you may thoroughly investigate and hopefully fine their agency appropriately for violating the law as I would be fined if I violated the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: OH

Complaint narrative:
I am writing to you as the holder of credit card account number XXXX XXXX Account # : XXXX to report an issue negatively impacting my credit report that appears to be in violation of the provisions of 15 U.S. Code 1666b, as well as other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

I have identified that the statements for my credit card have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score.

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment : XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: NJ

Complaint narrative:
I do not have a contract nor did I authorize this company to obtain my information, my rights to privacy was violated under the FDCPA & FCRA. 

15 U.S Code & 1692c prohibits debt collectors from communicating with third parties in connection with debt collection.

Law States : If a consumer notifies a debt collector that the consumer refuses to pay a debt, the debt collector must cease all communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

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