vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-22 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 was in the process of checking my credit report and notcied an account in collections under my name that I had no knowledge of I believe I am a victim of identity theft because I did not authorize this account to be opened and did not even know it existed now it is in collections beacuse someone fraudulently opened this account under my name without me knowing. The account in question is XXXX XXXX XXXX XXXX XXXX for the amount of {$6700.00} the date they opened the account is XX/XX/2023. I have also already obtained an FTC report for Identiy Theft Also the collections company that this account is transferred to is 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 2024-04-22 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: VA

Complaint narrative:
I sent a letter to Experian on XX/XX/2024 to open a dispute for the XXXX XXXX Account ending in XXXX because the account is reporting inaccurate data so Experian is in violation of the the law according to the FCRA ( Fair Credit Reporting Act ). No dispute has been started. They have not sent any proof of the account being verified or proof on how they were able to verify the account to be reporting accurately. They are clearly recording a violation of the FCRA. Along with the letter, I have sent a legible copy of an identification affidavit, drivers license ( front and back ), social security card copy, and a utility bill for proof and verification of myself. No credit repair company is involved, all documents have been sent from me, XXXX XXXX to the credit bureau. 

The tracking number for the dispute letter/document is XXXX and was sent via XXXX certified mail. The documents have been received at Experian 's address of XXXX XXXX XXXX XXXX XXXX CA XXXX on XX/XX/2024. The following link to access the tracking number for the documents sent to Experian is a followed. XXXX XXXX XXXX XXXX # Along with this CFPB complaint against Experian, I have attached all documents with the XXXX XXXX number to XXXX the documents being sent to Experian.

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 2024-04-22 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: MI

Complaint narrative:
I recently filed bankruptcy for the past year i have been getting repeat inquiries from the same banks or lenders without my authorization I have a fraud alert on my report and I have multiple inquries from these banks

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 2024-04-22 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: MD

Complaint narrative:
After reviewing my credit profile I noticed inquiries I do not recognize. I will like these inquiries removed immediately off of my report.

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 2024-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Williams & Fudge, Inc
State: CA

Complaint narrative:
I am getting calls from XXXX XXXX from Williams and Fudge. She is repeated calling from a disguised number, harassing my family members, and calling my job. I am sure this is a scam of some sort as I do not owe any back bills and they refuse to provide me with written information. 

thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 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: NJ

Complaint narrative:
Dear Sir/Madam, I, XXXX XXXX XXXX am lodging this formal complaint pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and its relevant provisions, concerning discrepancies in the reporting of late payments for my XXXX XXXX XXXX XXXX card across multiple credit reporting agencies. 

Upon reviewing my TransUnion credit report, dated XX/XX/XXXX, it has come to my attention that XXXX payments for my XXXX XXXX XXXX XXXX  card account were reported as XXXX days late. Conversely, my XXXX report, dated XX/XX/XXXX, asserts that the account is current, with no late payments. Furthermore, my XXXX report indicates a single late payment without specifying the precise duration past due. 

This inconsistent reporting is in direct contravention of the FCRA, particularly Section XXXX, which mandates the accuracy of information within consumer credit reports. Moreover, Section XXXX imposes a duty upon furnishers of credit information, such as XXXX XXXX XXXX, to provide accurate and complete data to credit reporting agencies. 

The aforementioned discrepancies have resulted in material adverse effects on my credit score and financial integrity. As such, I implore the Consumer Financial Protection Bureau to initiate a comprehensive investigation into this matter XXXX, in accordance with Section XXXX of the FCRA, which stipulates the timely investigation of disputes and the duty to correct or delete inaccurate information. 

In light of the foregoing, I respectfully request the Consumer Financial Protection Bureau to take expedient remedial action to rectify the inaccuracies present in the credit reporting provided by TransUnion, XXXX, and XXXX regarding my XXXX XXXX XXXX XXXX  card account. 


Thank you for your attention to this matter. I anticipate a prompt resolution 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 non-monetary relief
Consumer complaint received 2024-04-22 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:
By the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15U.S.C 1681. 

XXXXXXXX XXXX XXXX XXXX  Account # XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX. XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXXXXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX 15 U.S.C. 1681 Section 602A states that I have the right to privacy. 

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

15 U.S.C. 1681c. Section ( a ) ( 5 ) states : No consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information other than records of convictions for crimes that antedate 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 explanation
Consumer complaint received 2024-04-22 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: CA

Complaint narrative:
I am writing to file a formal complaint against TransUnion LLC for violations of the Fair Credit Reporting Act ( FCRA ) and failure to provide monetary relief as mandated by law. My complaint pertains to unauthorized inquiries made on my consumer report, specifically by XXXX XXXX, and TransUnion 's negligent noncompliance with the FCRA. 

On XX/XX/year>, I submitted a dispute letter to TransUnion, requesting the removal of the unauthorized hard inquiry from XXXX XXXX from my consumer report, pursuant to 15 U.S. Code 1681 of the FCRA and 16 CFR 313.3 ( o ) ( 2 ) ( D ). While TransUnion complied with my request to remove the inquiry, they failed to provide the monetary relief I am entitled to under the FCRA for their negligent noncompliance. 

Despite multiple communications and clear evidence of TransUnion 's violation of my consumer and privacy rights, I have not received a satisfactory response or remediation. TransUnion 's actions constitute a direct violation of the FCRA, including but not limited to 15 U.S. Code 1681b ( a ) ( 2 ) and California Civil Code - CIV 1785.11. 

I demand that TransUnion promptly issue a check to me in the amount of {$3500.00} as compensation for the violations of my consumer rights. Furthermore, I request that TransUnion provide proof of payment and compliance with this demand. 

Failure to acknowledge and respond to this complaint within a reasonable timeframe may  result in further escalation of this matter, including the pursuit of arbitration and involvement of appropriate regulatory authorities to safeguard consumer rights. 

Attached to this complaint are copies of relevant correspondence, including my XXXX  dispute letter to TransUnion and subsequent communication regarding their failure to provide monetary relief.

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 2024-04-22 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: NM

Complaint narrative:
I requested XXXX XXXX XXXX XXXX  to remove the late payment for the auto loan I had in that moment in time due to XXXX. They denied it as described below : " Under the Fair Credit Reporting Act, information we send to the credit reporting agencies must accurately reflect your account activity and status. Unfortunately, we can not accommodate your request to remove the late remarks you requested. We do not offer courtesy amendments or amend credit due to XXXX XXXX. Reports from other credit reporting agencies may contain outdated or incomplete 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 2024-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NY

Complaint narrative:
I paid XXXX to get a phone unlock and the company didnt unlock the phone, I filed a dispute and was denied buy chime, My phone is still locked

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: NM

Complaint narrative:
I requested JP Morgan Chase Bank to remove the late payment for the auto loan I had in that moment in time due to XXXX. They denied it as described below : " Under the Fair Credit Reporting Act, information we send to the credit reporting agencies must accurately reflect your account activity and status. Unfortunately, we can not accommodate your request to remove the late remarks you requested. We do not offer courtesy amendments or amend credit due to XXXX XXXX. Reports from other credit reporting agencies may contain outdated or incomplete information. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 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: TX

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. 


According to the U.S. CODE, TITLE 15, CHAPTER 41, SUBCHAPTER III ( NUMERAL 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( NUMERAL XXXX ) " There is a need to ensure that consumer reporting agencies exercise their serious responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy '' I APPRECIATE PLEASE THEY BE REMOVED AS SOON AS POSSIBLE SINCE IT IS AFFECTING ME FOR A LONG TIME AND I HAVE LIMITATIONS TO OBTAIN SOME TYPE OF CREDIT AND ADDITIONALLY I REQUEST THE TYPES OF JOBS THAT ALSO APPEAR IN MY REPORT IN AN INCORRECT WAY, BE REMOVED. 

I also need to please correct the phone number at XXXX and if the fraud  block that was placed on XX/XX/21 can be removed because also when I apply for any credit I do not have that phone number. 

And also due to the fraud block, it also does not allow me to access any credit tool or even open a bank account online.

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 2024-04-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Aqua Finance, Inc.
State: NC

Complaint narrative:
Subject : Complaint against Aqua Finance for XXXX XXXX, Harassment, and XXXX XXXX Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint against Aqua Finance regarding their discriminatory practices, harassment, and predatory lending tactics. As a XXXX XXXX of XXXX, I have been subjected to false promises and detrimental consequences as a result of their deceptive actions. 

Firstly, I would like to address the discriminatory practices carried out by Aqua Finance 's sales representative. In an attempt to persuade me to purchase a water softener system, the sales representative falsely claimed that our water was polluted and that it was the cause of my teenage daughters ' severe XXXX. This tactic not only exploited my concerns for my daughters ' well-being but also targeted me as a vulnerable consumer. Such discriminatory practices are unacceptable and should be thoroughly investigated. 

Furthermore, the sales representative also made unsubstantiated claims about the benefits of the water softener system. He falsely assured me that it would aid in weight loss and increase the value of my home. Unfortunately, none of these promises turned out to be true. Instead, I experienced a significant increase in my bills and witnessed damage to my home caused by the water system. Aqua Finance 's deceptive tactics and false advertising have resulted in financial hardship and property damage for me and my family.

Despite my attempts to address these issues with Aqua Finance, they have refused to acknowledge or rectify the problems caused by their product. Their lack of accountability and failure to provide a satisfactory resolution further exemplify their predatory lending practices. It is evident that Aqua Finance prioritizes their own profit over the well-being of their customers.

I urge the CFPB to thoroughly investigate Aqua Finance 's practices and take appropriate action to hold them accountable for their discriminatory practices, harassment, and predatory lending tactics. I hope that my complaint will contribute to the protection of other vulnerable consumers and prevent further harm caused by Aqua Finance. 

Thank you for your attention to this matter. I look forward to a prompt and thorough investigation into my complaint. 

Sincerely, XXXX XXXX XXXX Regents XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I've been trying to fix my credit reporting since last year by sending legal documents to the credit bureau and yet they keep on invalidating my claim and even invalidating what the FTC instruction was telling me to do. I know my right to have an accurate reporting in compliance to FCRA. There are fraudulent accounts in my profile that i want to remove as soon as possible. it's been months fighting for my right. Kindly remove the following as soon as possible. 

XXXX XXXX  XXXX XXXX # XXXX date opened XX/XX/XXXX XXXX XXXX XXXX # XXXX. date opened XX/XX/XXXX XXXX. XXXX # XXXX date opened XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX. date opened XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX date opened 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 explanation
Consumer complaint received 2024-04-22 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: FL

Complaint narrative:
The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 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: NY

Complaint narrative:
As a federally protected consumer I have multiple inaccuracies, 15 USC 1681. reporting to the three major Credit Bureaus XXXX TransUnion XXXX XXXX and XXXX XXXX I have reached out to all said corporations and agencies documented on this consumer complaint document, for the last XXXX months XXXX to XX/XX/XXXX and as far back as XX/XX/XXXX with several registered letters. I have been ignored and the emotional and financial stress it has applied to my life has limited my ability to live a safe, healthy, and prosperous life. I have been consistently denied essential necessities such as credit, automobiles, and loans due to the consumer abuse of the agencies and corporations alike. My life and ability to function sufficiently has been severally damaged because of these illegal actions, I can not get anything. My identity has been stolen and used inappropriately 5 USC 522a.

PRIVACY ACT OF 1974 My non-public personal information has been shared with third party companies and agencies such as TransUnion, XXXX and XXXX. 15 USC 6802 6805 The limits on disclosure of nonpublic personal information to nonaffiliated third parties-16 CFR 313.10

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 2024-04-22 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: PA

Complaint narrative:
According to the equitable Credit Reporting Act ( 15 U.S. Code 1681 ) : ( 1 ) Accurate and equitable credit reporting is essential for the functioning of the banking system. The integrity of the banking system is directly compromised when inaccurate credit reports are utilized, and unjust credit reporting practices erode public confidence, which is vital to the system 's continued operation. 

Consequently, any violation of the FCRA has a detrimental impact on the operational effectiveness of the banking system. This constitutes a breach of my privacy regarding my consumer report, as I have the ability to determine which information is included and which is excluded. Reporting any accounts without obtaining my written assent constitutes an act of identity theft. 

Both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 are violated by this. This results in civil liability for negligent and willful noncompliance with 15 U.S. Code 1681n against the credit reporting agency for accounts listed without my express written consent. The penalty for each violation is {$1000.00}.

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 2024-04-22 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: FL

Complaint narrative:
I've learned that the creditor didn't provide the necessary XXXX-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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