vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-11-20 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: NY

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 XXXX party. They in fact did not come from a XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 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: NY

Complaint narrative:
I found multiple incorrect accounts on my credit report that seem fraudulent. Kindly block and delete them right away.

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 2024-11-20 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: CA

Complaint narrative:
I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the accounts are even mine though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX

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 2024-11-20 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: AL

Complaint narrative:
An address is on my credit report is has no association to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: AL

Complaint narrative:
An address is on my credit report is has no association 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 explanation
Consumer complaint received 2024-11-20 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: AR

Complaint narrative:
My credit report includes accounts I never authorized. Please block and remove these fraudulent items immediately.

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 2024-11-20 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: CA

Complaint narrative:
I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/XXXX  in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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 2024-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Attempt collect for subscription I do not have. Return email is suspicious. Not related to vendor. XXXX with an extensive list if email addresses. I ignored and forwarded it to you.

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 2024-11-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: MN

Complaint narrative:
I borrowed XXXX dollars from net credit and my payments are over XXXX a month till 2027, my god that is outrageous im paying extra but the amount does not go down much. They give me a payment estimater and XXXX is interest and XXXX goes towards loan isn, t that kind of high for a loan company?????

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: NY

Complaint narrative:
On XX/XX/year> I discovered numerous unauthorized inquiries on my credit report from Equifax. After notifying Equifax that these inquiries were unauthorized and that my report was obtained without permissible purpose I was ignored. I also provided Equifax with an FTC report and that was also ignored. I did not give consent for these companies to use my personal identifying information to access my credit report and this is a violation of my privacy and I demand an Immediate deletion of all the listed unauthorized inquiries within XXXX business days from receipt of this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Revolut Technologies Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I attempted to use my physical debit card to book a hotel room to stay at while my home is being worked on, and my card was declined. I went on the app to see what happened, and the charge said it was declined because there was a restriction on my account. I contacted support and they said they were doing a XXXX  day review on my account by law, and I won't have access to my account or money until the review is completed. I have contacted support dozens of times about this, asking them why my account is being reviewed suddenly and why they restricted my account while the review was being done, because I have never heard of this happening anywhere else. I got no answers, only generic responses about how they understand my frustration. I feel this is all retaliation due to me having to file XXXX disputes this past week. Turns out both disputes ended up resolving on their own. I also paid them a fee for premium services that I have no access to as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: NY

Complaint narrative:
I have looked over my credit report and noticed these unauthorized accounts and inquiries that is hurting my ability to get credit : XXXX XXXX XXXX Account XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> This is not my account. I have no knowledge of this account. 15 USC 1681b

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 2024-11-20 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: NY

Complaint narrative:
I have looked over my credit report and noticed these unauthorized accounts and inquiries that is hurting my ability to get credit : XXXX XXXX XXXX Account XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> This is not my account. I have no knowledge of this account. 15 USC 1681b

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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:
There are late payments on my credit report that appear incorrect based on my history. Please address and fix these mistakes.

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 2024-11-20 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: AL

Complaint narrative:
As per the guidance from the consumer financial protection bureau ( CFPB the document needed and a letter from an advocacy group helping me due to Human XXXX  debt XXXX, Which falls under XXXX  according to XXXX final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605c of the Fair Credit reporting Act. I am a Victim XXXX XXXX XXXX of accounts to be blocked and deleted company information Transunion. Please delete the following accounts. consists of a personal line of credit account opened at XXXX on XXXX XXXX XXXX under the account number XXXX, XXXX XXXX on XXXX XXXX under the account number XXXX, XXXX on XXXX XXXX under the account number XXXX, XXXX on XXXX XXXX under the account number XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX under the account number XXXX, XXXX XXXX on XX/XX/XXXX under the account number XXXX, XXXX XXXX on XXXX XXXX under the account number XXXX, XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX under the account number XXXX, a personal loan account opened at XXXX on XX/XX/XXXX under the account number XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX under the account number XXXX, XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXXXXXX XXXX XXXX on XXXX XXXX under the account number XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX under the account XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX under the account number XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX under the account number XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX under the account number XXXX, XXXX on XXXX XXXX under the account number XXXX, XXXX XXXX XXXX XXXX XXXX under the account number XXXX, XXXX XXXX XXXX XXXX XXXX under the account number XXXX, XXXX XXXX XXXX XXXX XXXX under the account number XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX under the account number XXXX, XXXX XXXX on XXXX XXXX under the account number XXXX, XXXX  on XXXX XXXX under the account number XXXX, XXXX on XXXX XXXX under the account number XXXX, XXXX on XXXX XXXX under the account number XXXX, XXXX on XXXX XXXX under the account number XXXX, and a collections account opened at XXXX XXXX  on XX/XX/XXXX with a balance of {$810.00} under the account number XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, XXXX XXXX on XX/XX/XXXX under the account number XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under XXXX account number XXXX, XXXX XXXX on XX/XX/XXXX under the account XXXX XXXX, XXXX on XX/XX/XXXX under the 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 2024-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: MS

Complaint narrative:
Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 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: NY

Complaint narrative:
RE : XXXX XXXX XXXX  XXXX It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for account XXXX XXXX XXXX XXXX pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.

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 2024-11-20 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: IL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to dispute the late payment entries on my credit report as per the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), specifically referencing 15 U.S. Code 1666 ( b ) concerning billing errors. 

Upon reviewing my credit report, I discovered discrepancies related to the reporting of late payments, which appear to be in violation of 15 U.S. Code 1666 ( b ) and 15 USC 1637 a ( a ). These errors include the failure of the creditor to accurately reflect payments made by me or credit issued to me within the stipulated time frame. Additionally, there are apparent computation errors or similar accounting errors made by the creditor on the statements provided. 

It is imperative to note that I did not receive a statement from the creditor at least 21 days before the due date as required by law. Therefore, any reported late payments are unfounded and constitute a billing error. 

I hereby demand that the creditor provides substantial evidence from their records that validates the alleged late payments. It is essential for me to be furnished with concrete proof that payments were not received within the agreed-upon time frame, as failure to do so would confirm the presence of a billing error. 

The erroneous late payment entries listed below must be promptly updated to accurately reflect my payment history : XXXX. Account Name : XXXX XXXX, Account Number : XXXX XXXX. Account XXXX : XXXX, Account XXXX : XXXX XXXX. Account XXXX : XXXX XXXX, Account XXXX : XXXX XXXX. Account XXXX : XXXX, Account XXXX : XXXX XXXX. Account XXXX : XXXX XXXX, Account XXXX : XXXX XXXX. Account XXXX : XXXX, Account XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 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: AR

Complaint narrative:
I found late payment errors on my credit report that are inconsistent with my payment habits. Please review and correct these.

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