vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-09 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: GA

Complaint narrative:
My car was broken into which someone was able to obtain my information and opened accounts in my name the accounts are fraud and they don't want to remove them I sent copies of police reports and so on and they haven't been removed

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 2024-04-09 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: NJ

Complaint narrative:
In light of recent developments, it has been brought to my attention that the creditor failed to furnish the required 21-day notice along with a statement, which would have allowed sufficient time for payment processing and thus, prevented any late payments from occurring on these accounts. This oversight has led to a misrepresentation of the payment status, suggesting a billing error on the part of the creditor. 

In response to this discrepancy, I kindly request tangible evidence from the creditor 's bank account, demonstrating any instances of non-payment that purportedly resulted in the reported late status. This evidence is essential for clarifying the circumstances surrounding the alleged late payments and verifying the accuracy of the reported information.

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 2024-04-09 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 affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Halsted Financial Services, LLC.
State: VA

Complaint narrative:
I had 2 debts from same company and was inquiring if the other debt going get charged off too

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: NC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-04-09 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: NJ

Complaint narrative:
Experian is reporting in accurate addresses on my credit report # XXXX refusing to remove unverified address and provide sources of information. 

According to Experian 's class action settlement in XXXX for not accurately reporting consumers information on their report, in which violates 15 USC 1681e and their behavior continues and is affecting consumers across the world. I have sent the attach letters to Experian with proof of identity and address on XX/XX/XXXX received XX/XX/XXXX, XX/XX/XXXX received XX/XX/XXXX. Experian has not corrected my report to show my only address as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that is reflected on all of my account statements and I have proof. 

Experian is reporting unverified addresses of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that appear to be a business according to their note on my report and also XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Experian has refuse to update my report accurately and violated the FCRA and privacy act as they report this in accurate information when a line of credit, employment or tenancy is trying to be accessed or verified. Experian continues to harm consumers even after the class action lawsuit.

Can Experian be investigated? Their practices are unlawful.

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 2024-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I want to emphasize unequivocally that I did not give written authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am formally requesting that these accounts be blocked and expunged from my record. It is crucial to highlight that this request is not made in error, nor is it grounded in any misrepresentation of relevant facts concerning the request to block these transactions. 

This assertion is important because it underscores the fact that these transactions were included without my explicit consent or instruction. By emphasizing this point, I aim to convey the seriousness of my request and ensure that it is not overlooked or dismissed. Additionally, I want to clarify that my request is based on accurate and relevant information, and I am not attempting to manipulate or deceive in any way.

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 2024-04-09 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: NJ

Complaint narrative:
Hello, Transunion has provided my credit report to the below companies without my written consent as required. i submitted a dispute for the below inquiries since XX/XX/XXXX and XX/XX/XXXX and and not received the requested information validating the consent of these inquires. 

Name Requested On 1. 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 Transunion advised me in a secured email that my report can be obtained without my consent, in which is inaccurate according to the FCRA and Social Security Administration. Transunion is not protecting consumers from fraud and allowing matters to continue. 

I have yet to receive credit application bearing my signature from these inquiries in which is required. Transunion refuses to remove and continues reporting in acurate information and is telling me that I need a letter of deletion from these companies in which is accurate according to FCRA as a credit reporting agency, transunion is obligated to assure the information they are reporting is 100 % accurate, in which they are not abiding by the laws set forth. Transunion must conduct reasonable investigations to asssure they are repeorting accurately and all neeeded information is obtained and from accruate soucing. 

Transunion has failed to do so and has not protected my information underthe privacy act. I am requesting these inquiries be removed.

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 2024-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I want to emphasize unequivocally that I did not give written authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am formally requesting that these accounts be blocked and expunged from my record. It is crucial to highlight that this request is not made in error, nor is it grounded in any misrepresentation of relevant facts concerning the request to block these transactions. 

This assertion is important because it underscores the fact that these transactions were included without my explicit consent or instruction. By emphasizing this point, I aim to convey the seriousness of my request and ensure that it is not overlooked or dismissed. Additionally, I want to clarify that my request is based on accurate and relevant information, and I am not attempting to manipulate or deceive in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to address the presence of unauthorized transactions in my consumer report, which I did not authorize or instruct. As a result, I formally request the blocking and removal of these accounts without any inaccuracies or misrepresentation of facts. Below, I have listed the specific accounts in question : It appears that your organization may be violating 15 U.S.C 1681a 2 ( A ) ( i ), which prohibits a consumer report from solely containing information about transactions or experiences between the consumer and the entity reporting the information. 

This statute explicitly states that XXXX, as the reporting entity, should not include transactions or experiences associated with the line of credit extended between the consumer and the reporting entity in my consumer report. 

I urge you to promptly update my utilization to 5 % or below within 10 calendar days or remove all utilization from the mentioned accounts. 

Furthermore, I request that you provide all documents on which you rely for reporting the referenced accounts, in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). The information you are reporting is damaging to my reputation and adversely affecting my creditworthiness. 

Therefore, I demand the removal of these accounts from my file within 30 days, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verification of these accounts. 

Additionally, along with the removal of erroneous and unverified information, kindly eliminate all non-account holding inquiries older than 30 days. 

Failure to provide a satisfactory response with the deletion of the mentioned utilization and inquiries will result in legal action against your company, for which I will seek {$1000.00} per violation : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

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 2024-04-09 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: NY

Complaint narrative:
In light of recent developments, it has been brought to my attention that the creditor failed to furnish the required 21-day notice along with a statement, which would have allowed sufficient time for payment processing and thus, prevented any late payments from occurring on these accounts. This oversight has led to a misrepresentation of the payment status, suggesting a billing error on the part of the creditor. 

In response to this discrepancy, I kindly request tangible evidence from the creditor 's bank account, demonstrating any instances of non-payment that purportedly resulted in the reported late status. This evidence is essential for clarifying the circumstances surrounding the alleged late payments and verifying the accuracy of the reported information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: OPTUM BANK, INC.
State: DC

Complaint narrative:
I use an online service XXXX XXXX to manage my budget. Two weeks ago the service started failing to access my Optum XXXX Account. XXXX uses several aggregator services ( XXXX, XXXX, and others ), none of which are working to allow me to connect XXXX to Optum Financial XXXX. The options available to connect are Optum.com and Optum Bank, neither of which are working.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: GA

Complaint narrative:
I need my loans to come out of consolidation. I did the direct loan consolidation because it would update my payment count on all of my loans. I have two loans at XXXX and one loan at XXXX. On XX/XX/30 my counts will update to include forbearance as well as switch to Department of Ed. If the consolidation doesn't happen by then, I wont have an opportunity to update the payment count on the XXXX loan because the other 2 will be forgiven ( I was told the two that are XXXX have forbearance periods that will get added ). Please, please, please process my consolidation. Student Aid said its just waiting on Mohela to process it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: NC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-04-09 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 want to emphasize unequivocally that I did not give written authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am formally requesting that these inquiries be blocked and expunged from my record. It is crucial to highlight that this request is not made in error, nor is it grounded in any misrepresentation of relevant facts concerning the request to block these transactions. 

This assertion is important because it underscores the fact that these transactions were included without my explicit consent or instruction. By emphasizing this point, I aim to convey the seriousness of my request and ensure that it is not overlooked or dismissed. Additionally, I want to clarify that my request is based on accurate and relevant information, and I am not attempting to manipulate or deceive in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was made aware by a credit card company that my Experian Credit file has a freeze on it which when I originally requested it, I was advised that it would drop off automatically ( it has been many years since I requested it ) I followed the instructions on the Experian web site on having the freeze deleted, attached my US drivers license and other sensitive images of other documents and have not received a response of even receiving my email requests along with the documents. 

I have written 2 more times with escalation emails and have not had the freeze removed or any confirmation/response to my email. The Experian 888 number is useless to say the least and the number I was advised to call regarding my freeze deletion request is an international number in 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 2024-04-09 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: IL

Complaint narrative:
See document attached

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2024, I ordered two ( 2 ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX According to the ad, the merchandise was supposed to arrive on Saturday, XX/XX/2024. 

On Saturday, XX/XX/2024, I texted and called XXXXXXXX XXXX XXXX XXXXXXXX to check the status of my delivery. During the texting conversation, I was offered to accept a substitute for the product. I refused the company 's attempt to engage in bait and switch. 

Some minutes later, I called the company to check on the status of my delivery. The person with whom I spoke said that the delivery was delayed and that she would escalate my request. While I was placed on hold, I returned to the XXXXXXXX XXXX XXXX XXXXXXXX web page to track the merchandise by the order number. The order number was tracked to XXXX Tracking No. XXXX. 

On further inspection based on my telephone call to XXXX, I discovered that XXXX  created the label, but had not received the merchandise from XXXX XXXX XXXX XXXXXXXX. During the telephone call, I was directed to contact the company to find out what happened to the merchandise. At that point, I asked XXXXXXXX XXXX XXXX XXXXXXXX to refund my money and send me an e-mail confirming its plan to refund my money. XXXXXXXX XXXX XXXX XXXXXXXX sent me an e-mail stating that it would return my money. I subsequently e-mailed Citibank 's dispute information regarding the incident, including the merchant 's e-mail. 

It is now XX/XX/2024. I am still waiting for my money. Citibank has not returned it. 

I believe that both banks -- the merchant 's bank and Citibank have built delays into their systems that more than likely violate XXXX 's rules for ACH transactions so that each bank can earn interest on the unreturned money, even if it hurts their customers.

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 monetary relief
Consumer complaint received 2024-04-09 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: TX

Complaint narrative:
I have contacted TransUnion and XXXX regarding three separate debts that are reporting on my credit report. They are not correct and causing me financial problems. 
I have asked that they investigate these debt to prove the validity of these debts and they have not done their jobs. In fact, they have allowed these companies to continuously report on my credit report illegally without validating them. 
-XXXX  XXXX # XXXX account information incorrect and must be deleted -XXXX XXXX XXXX # XXXX Account information, incorrect, and do not belong to me must be deleted. this account was deleted previously and reinserted without my knowledge or me being informed within the five days I am permitted to dispute. This account must be deleted. I also have contacted the creditor, and they have not provided me any documentation, nor any itemize list in the amount of time. Violated FCRA Part ( A ) ( 5 ) B ) ii ) -XXXX XXXX # XXXX Account balance incorrect account history incorrect account status is incorrect. I have contacted the original creditor, and they have sold it to another creditor, but are not reporting it to the credit bureaus this must be deleted.Violated FCRA Section 605 ( c ) Running of the reporting period

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 2024-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Timely payments have always been a priority for me regarding this account, ensuring they're never overdue. I'm puzzled by the presence of late payment remarks on my accounts. Referring to 15 USC 1666b - Billing Error, corrections should be made.

Company response to consumer: Closed with explanation