vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-15 00:00:00
Product: Credit card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
According to 15USC 1681. congressional Findings and Statement of purpose 15USC 1681 ( b ), Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer with regard to confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Im requesting validation, made pursuant to the Fair Debt Collection Practices Act and The Fair Credit Reporting Act, along with the corresponding local state laws. 
Please note that Im requesting Validation ; that is Competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please be aware that any negative mark found on my credit reports including XXXX, XXXX, And XXXX ) From your company or any company that you represent, for any debt, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : - Defamation - Negligent Enablement of Identity Fraud - Violation of the fair Debt Collection Practices Act ( Including but not limited to section 807-8 -Violation of the Fair Credit Reporting Act ( Including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of Status.

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 2024-11-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had three late payments posting to my report that was in fact paid on time. The Consumer reporting agencies shall report all information with complete accuracy. 

Pursuant to 15 U.S. Code 1681e Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

In fact according to the consumer these accounts have not been reported late on payments. I have attached a copy of my report to this complaint on the following dates. 

Transunion : XXXX XXXX XXXX XXXXXXXX Acct : XXXX Reported Late : XX/XX/XXXX 30 days late Status : Paid/Closed 60 days late XXXX : XXXX XXXX XXXX XXXX XXXX Reported Late : XX/XX/XXXX, 30 days late Status : Paid/Closed XXXX : XXXX XXXX Acct. XXXX Reported Late : XX/XX/XXXX 60 days late Status : Paid/Closed

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 2024-11-15 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: NC

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had three late payments posting to my report that was in fact paid on time. The Consumer reporting agencies shall report all information with complete accuracy.

Pursuant to 15 U.S. Code 1681e Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

In fact according to the consumer these accounts have not been reported late on payments. I have attached a copy of my report to this complaint on the following dates. 

XXXX : XXXX XXXXXXXX XXXX XXXX Acct : XXXX Reported Late : XX/XX/XXXX 30 days late Status : Paid/Closed 60 days late XXXX XXXX XXXX XXXX Acct # XXXX Reported Late : XX/XX/XXXX, 30 days late Status : Paid/Closed Equifax : XXXX XXXX Acct. XXXX Reported Late : XX/XX/XXXX 60 days late Status : Paid/Closed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: United PanAm Financial Corp.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX XXXX  Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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:
Its infuriating to find unauthorized inquiries on my credit report today with no apparent reason. I checked my report as I always do, but this time, unexpected discrepancies showed up. I even refreshed the browser to rule out an error, but the issue persists. I urge you to review my documents immediately to ensure this problem is addressed for good.

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 2024-11-15 00:00:00
Product: Prepaid card — Payroll card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Payfare International Inc.
State: IL

Complaint narrative:
I tried to withdraw {$400.00} from the atm located at XXXX XXXX XXXX  XXXX XXXX XXXX Illinois on XX/XX/XXXX didnt any money dispensed but it was taken out of my account a filed a dispute on XX/XX/XXXX claim number XXXX they told me I had to wait 60 days before I could get my money back until the investigation is over that it was a business account and a provisional credit didnt apply I am a single mother and have XXXX kids i can not wait 60 days to get my money back this card is protected by the cusumer protection law where a provisional credit do apply please help get my money back all my bills are past do do to this rather its a business account or personal account you still have to use the atm to withdraw or money

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have been called 3 times in the last two weeks about a loan default that happened 11 years ago during a divorce. I explained to them on all three occasions that my phone is used for business and I can not be bothered on this line. I asked for the address and it was not provided. The First Lady I spoke with was very rude when I explained it was a business line, she kept saying why arent you paying. I explained to her she is calling about something from 11 years ago and I already felt with the fallout of my credit being ruined from it. She then said that she cant report it to the credit bureau any longer but could continue to call for collections. Even after I explained to her that I was at work and the line she was calling me on is used for my job. I finally had to hang up as I was getting another call which was business related. The other two calls I politely tell them they a calling a work phone number and ask them not to call back. I have taken screenshots of all three calls I will include with this complaint. The name of the company is portfolio recovery. Again I do not have the address as it was refused when I called XXXX and asked for the address on XX/XX/year> at XXXXXXXX XXXX and it was refused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 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: AR

Complaint narrative:
My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history 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 to be updated.

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 credi
tor 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. 


EQUIFAX XXXX 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! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 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: FL

Complaint narrative:
Im extremely frustrated to see unauthorized inquiries on my credit report this morning without any explanation. Ive checked my report as usual, and out of nowhere, there were discrepancies. Refreshing my browser didnt help, so this is not a glitch. Please review the documents Ive submitted thoroughly and resolve this immediately to put my mind at ease.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 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: AZ

Complaint narrative:
On the report I have with Transunion, XXXX, and XXXX they're saying I have XXXX late payments which I should not have because I was on the phone with XXXX XXXX to confirm that payments went through and to make sure the late payments wouldn't affect me, Well now I'm trying to get out of a bad apartment complex is affecting my wellbeing and this false information these bureaus are effecting me horrendously and I not sure where they're getting their information as a lot if it is false, identity theft fraud or not even mine I have noticed this more and more and trying to take care of it y disputes and being patient as I know its not a quick process but since it's affecting to live into a place away from where I was robbed 4 times, XXXX XXXX and over XXXX, XXXX worth of XXXX belongings I need out o this place they do respect and discriminate me as I was on hardship at the beginning of two years and the manager retaliate against me. That being said it's essential that these companies report correct information that is damaging a law-abiding citizen and should have these payments remarked paid in time just like how these companies make up what they want by suspensions should be handled quickly and repetitive damage should be taken place.

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 2024-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
There are too many dates to document so I will summarize : 1 ) I have been the victim of identity theft - has gone on for about three years perpetrated, I believe, by the same individual. Wells Fargo is not only unable to protect my account- they guy has a unique name- they have refused/ are unable to provide me with detailed transaction records relating to my claims because my accounts were closed and new ones opened. So I have no ability to audit my accounts RE what looked fraudulent ; what was verbally claimed ( this should be a form not a conversation ) ; what was approved ; what was declined and why. Wells makes sure everything is conversational and never actually documented. Just give me a spreadsheet or XXXX file so that I can see everything transaction by transaction. And, no, separate XXXX  do not work because fraudulent transactions are mixed in with legitimate ones month after month, year after year. 

XXXX ) What should be a simple request for copies of fronts and backs of all checks for my previous business account - required for my divorce proceedings- has gone unfulfilled after numerous requests in-person and by phone. The latest is that I escalated and copies were to be sent to my local branch ... weeks ago. Just got off the phone with the branch and they don't see them. 

Wells Fargo is vertically structured, so no one has a broader view of you as a customer with different accounts, and it is therefore nearly impossible to get help. One fraud department serves credit card fraud, the other checking, the another debit cards, etc. But when someone is able to log in as you - fraudulently- they see it all and are able to commit fraud across all of the products you use with Wells.

Regarding documentation : Wells will only provide month-by-month XXXX. Yes, you can download a text file to load into XXXX or XXXX. But if you close an account - say, due to divorce or fraud - then you are out of luck. Show me someone who can look at a pile of printed XXXX  and make sense of them methodically, manually entering the transactions into XXXX - transactions spanning years- then I will show you a person who has been victimized by the financial institution that has the records... they just refuse to provide them to customers in a usable format. 

P.S., It is patently FALSE that Wells Fargo has their clients ' backs in cases of fraud. False advertising.

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 2024-11-16 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: NJ

Complaint narrative:
There are inconsistencies in late payments on my report. Kindly correct them.

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 2024-11-15 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: PA

Complaint narrative:
Was apart of a class action lawsuit against XXXX XXXX  XXXX for illegal car repos and was awarded money. Was told that they were not to report anything negative on credit report. Car has been paid off since XXXXXXXX XXXX however, still reporting a repossession on my credit report every month and late payments, when the account has been paid off and closed. This must be removed 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 explanation
Consumer complaint received 2024-11-15 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told experian, XXXX XXXX XXXX  to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.

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 2024-11-16 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: DC

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-11-15 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: TX

Complaint narrative:
The inquiries i have listed should be removed, this can't be a factual record I do have file the FTC report which i attached in the complaint this info should be removed in 24 hours otherwise i may take this thing to the court, this not something i going to take light, please help me with this, Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights here are the inquiries which i have on my Equifax report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: NC

Complaint narrative:
My credit report is showing a collection account from a debt collector that I never gave permission signature to collect on this debt. The collection is from XXXX XXXX XXXX account # XXXX. I never received written notification about this debt so, I am also requesting debt validation, in this debt validation I am asking for a detailed list of history of payments, the signature I put on the contract guaranteeing that I pay this debt to them, I want to see proof that you have chain of title to collect on this debt according to U.S code 1692 this collection needs to be removed immediately.

attached is my passport and driver 's licenses. Thank 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 non-monetary relief
Consumer complaint received 2024-11-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/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 non-monetary relief