vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-12 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:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2024-04-12 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: SC

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.

15 U.S.C 1681 section 602 A. 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 ) ( 1 ) 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.

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 2024-04-12 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: MOHELA
State: CO

Complaint narrative:
Student loan with XXXX XXXX XXXX reported on credit report as of XX/XX/2024, Initial amount was {$1500.00}. Credit report from XX/XX/2024 indicates a loan amount of {$3500.00}, Disputed loan through Credit Reporting agencies, XXXX and XXXX. Dispute was unsuccessful. Both credit agencies indicated credit is valid. Unable to reach XXXX  XXXX XXXX, MOHELA to correct the situation. Loan has not reporting on XXXX.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
I have disputed XXXX transactions from my primary checking account to an unknown destination. I have had identity theft prior, yet the bank states that these are all valid transactions stating the reason being transfers have been made prior with no disputes. I can't dispute it if they don't allow me to dispute it. The total transactions span from XX/XX/2023 to XX/XX/2023 totaling {$1100.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-12 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: IL

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 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 2024-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Technology Federal Credit Union
State: CA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so, they didn't follow the proper procedure in notating my dispute of the account, which is a direct violation of 15 USC 1692e ( 8 ), which makes this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. 

I demand this company to delete this account from all 3 credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney who has advised me that the fact that they didnt notate my account on my credit report as consumer disputes as a violation that I am able to sue them under.

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 2024-04-12 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: MI

Complaint narrative:
I have recently checked on my credit report and noticed some inaccurate accounts reporting.

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 2024-04-12 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: FL

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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:
There are some unauthorized inquiries on my credit report that I did not approve of from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 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:
There are some unauthorized inquiries on my credit report that I did not approve of from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: National Credit Adjusters, LLC
State: TN

Complaint narrative:
THIS COMPANY IS NOT LICENSED TO COLLECT DEBT IN THE STATE OF TN. 

I HAVE SAID REPEATEDLY THAT I HAVE NO KNOWLEDGE OF THIS DEBT. THIS IS A VIOLATION OF CODE 1692 G, and 809.

THIS IS A VIOLATION OF 18 USC 8 and needs to be removed from my credit files!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter.

The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

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 2024-04-12 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: GA

Complaint narrative:
Im begging you please remove this to the credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.

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 2024-04-12 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: IN

Complaint narrative:
SUBJECT : Immediate Action Required : Non-compliance with FCRA Identity Theft Blocking Requirements Dear Consumer Financial Protection Bureau, I am contacting you to report a critical issue that remains unresolved despite my previous attempts to address it directly with the involved consumer reporting agency. I initially alerted the agency to an identity theft issue via certified mail on XX/XX/2024, but as of XX/XX/2024, the erroneous information derived from this identity theft is still appearing on my credit report. 

Pursuant to Section 605B of the FCRA, it is mandatory for consumer reporting agencies to inform data furnishers, including financial institutions, when they receive notice of identity theft. I fulfilled my part by providing the necessary FTC report numbers XXXX and XXXX, alongside a request to block the fraudulent entries. 

Moreover, Section 623 ( a ) ( 6 ) obligates furnishers to stop reporting any such disputed information no later than four business days after receiving ( 1 ) adequate proof of my identity, ( 2 ) a copy of the identity theft report, ( 3 ) my identification of the disputed information, and ( 4 ) my assertion that the disputed information does not pertain to any transaction I have conducted.

Despite meeting all the required conditions, the erroneous information remains unblocked, which is a clear breach of FCRA 15 U.S. Code 1681c-2. This failure subjects the reporting agency to potential civil liability for any damages I have incurred, as stipulated under 15 U.S. Code 1681n due to their willful noncompliance.

I am relying on the CFPB to take prompt and decisive action in this matter. 

Yours sincerely, 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 2024-04-12 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:
On XX/XX/2024 Experian reported that I had used 130 % of my credit on my XXXX XXXX credit card account. I got in contact with Experian after speaking to XXXX XXXX XXXX XXXX XXXX and he said that Experian was reporting the account inaccurately. Then again on XX/XX/2024 they went and said that I had used 176 % of my credit which was inaccurate again. I gave an open line of credit with XXXX XXXX  and can use up to {$1000.00} if I wanted to. I dont know where Experian is getting those numbers from but it seems like they are doing something wrong from what I was told by XXXX XXXX XXXX XXXX XXXX representative. I need them to fix this issue once and for all and give me my points back. I went from XXXX to XXXX in 2 months. I gave 4 other cards and I never use more than 10 % the most on any of them. I need Experian to correct their mistakes please. You know how important credit can become when youre trying to get a loan and other credit cards. Those things can hurt you in the long run. On top of that they are a company that is outsourced and sometimes I cant even understand the people I speak with.

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 2024-04-12 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: TX

Complaint narrative:
this company has engaged in abusive and unfair practices of the fcra. i recently sent in dispute letters asking for several account to be verified or removed from my credit report i also asked to mailed a copy of any evidence proving the company has a right to report these things. I still have yet to receive proof. I do not except liability of the below account and request the be removed. Since there has been no proper debt validation done. 
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 None none of the above agencies have sent me any type of verification or has the 3 reporting bureaus

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 2024-04-12 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I have a Meijers store credit card and the interest was 29.24 %. I have never missed a payment and owe a small amount. My credit score is XXXX. I received a noticed today that my interest on my card would be going up in XXXX XXXX XXXX XXXX How can that amount even be legal? If I do not agree to those terms, my card will be terminated. Isn't that illegal? I have had my card for several years and have been an excellent consumer. Why are these company 's being allowed to gouge the consumers with these interest rates? Why isn't the government stepping in to stop this abuse. I am XXXX and have had credit for years and I know there were regulations as to how much they could charge for interest. Is this because in XXXX XXXX XXXX regulations were eliminated and them wanting to disband your organization? This is unacceptable and our Government needs to do something about it.

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 2024-04-12 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: IL

Complaint narrative:
In light of recent developments, it has been brought to my attention that the creditor failed to furnish the required XXXX 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 non-monetary relief
Consumer complaint received 2024-04-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
Checking my consumer credit report XX/XX/year>, I noticed I had a new collection account on my credit report. I had no contract with Credence Resource Management, nor do I owe them a debt. The company CREDENCE RESOURCE MANAGEMENT purchased a debt from XXXX XXXX XXXX that I had no involvement with the transaction. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801. It states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information ''. This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. I demand all the above Fraudulent accounts DELETED immediately. I Demand an updated copy of my Consumer file reflecting these changes ( 15 USC 1681 c-1 2 Access to free reports ). Again, this company has no record of me doing any business with them and they should be forced to correct my account with the credit reporting agencies expeditiously in a timely fashion! Thank for your help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-04-12 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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