vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. Please see attached file for these items I am complaining. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 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: CA

Complaint narrative:
To ensure that your company is reporting accounts 100 % accurately, I would like to know the procedures used to investigate these inaccurate accounts. Did you even conduct an investigation because it is still not reporting 100 % correctly? Its sad that your company would ignore the FTC guidelines in regard to your investigation efforts. I wonder if other consumers are being affected by your lack of investigation. I would like to know to whom you talked with at the collectors office when you started your investigation? Also, please send me their complete address. In addition, please do not send your template letter on how you conduct an investigation. I want details on how you did this. XXXX XXXX, XXXX XXXX, DEPT OF EDUCATIONXXXX XXXX, XXXXEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I have requested a debt validation along with the purchase agreement and they failed to provide this information Certified mail sent and recieved

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I received a notice stating I was in default of {$2100.00} for an account ending in XXXX on approximately XX/XX/XXXX. I did not recognize this account and sent a letter dated XX/XX/XXXX requesting documentation of this account. Approximately 2 weeks later I was informed that the account was fraudulently opened and to sign their affadavit attesting to this. I mailed this response approximately XX/XX/XXXX. Today I received a letter dated XX/XX/XXXX informing me that the account ending in XXXX belonged to me based on identifying information they confirmed. I called XXXX for the Fraud Investigation Team and XXXX informed me that this account was in XXXX and that she could not see details and would forward a request to an investigation at Synchrony. I also took down my Fraud file # XXXX and an address to continue with my complaint. In looking through my XXXX bankruptcy documents filed in XXXX, I located an account # ending in XXXX for Paypal with the same disputed amount. I had not heard from this company in years which is why I was surprised to hear about a deliquent balance since I have worked very hard to limit taking on any debt I can't afford. I need your assistance in resolving this matter for a discharged debt that Synchrony/Paypal is trying to recover almost 5 years later.

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 2024-06-25 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: GA

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a list of inquiries : 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 2024-06-25 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: CO

Complaint narrative:
After viewing my credit report there are a few inquires that i did not authorize and would like them removed from my credit report. 

XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: CO

Complaint narrative:
After viewing my credit report there are a few inquires that i did not authorize and would like them removed from my credit report. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: CA

Complaint narrative:
I am sending this to you today because I have pulled my most recent credit report and I am extremely confused. It is very troubling as these items are reporting as incorrect and inaccurate information. I would appreciate your assistance to solve this problem. 
I have done research at my end and as you and myself both aware, there are laws that guarantee that credit bureaus report accurate information. According to the FCRA, the information provided should be 100 % accurate, 100 % verifiable, and reported in a timely fashion. I am well aware you have 30 days to complete this investigation. Your failure to comply with federal regulations is a serious violation of the Fair Credit Reporting Act and could possibly result in an investigation by the Federal Trade Commission. 
I must demand that you run a thorough investigation for each and every mistake listed, and a complete report MUST be provided to me after you have completed the investigation. 
XXXX XXXX XX/XX/XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. Please see attached file for these items I am complaining.

"

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit 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 explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: DE

Complaint narrative:
This company XXXX people over. The amount of negative reviews they received in XXXX  is astronomical. Thats a shame. They did want to respond to my last complaint so listed it as a duplicate. They keep changing how much is owed from {$11000.00} to {$12000.00} and vice versa. XXXX this morning dropped my score an extra XXXX point went it should have dropped no more after it dropped the XXXX points. I dont like the fact that credit acceptance has so much power over my score. I dont like how none of the bureaus are cracking down on them. They have 2 positive reviews on XXXX these people XXXX over thousands. Im highly thinking about starting class action lawsuits against them. One last thing this company has my name attached to XXXX XXXXXXXX car. I never signed any contract. And it seems they are harassing me. This account is fraudulent and I need my name removed from this contract

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 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

Please see attached file for these items I am complaining.. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2024-06-25 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: MI

Complaint narrative:
Update my personal address for the 11th time requesting an update. I have been told by phone reps with Experian that the address is up to date. It should be listed as follows : 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 explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
Alleged Violation of 15 USC 1692g - Validation of Debt I am asserting that a debt collection attempt made by LVNV FUNDING LLC, breaches my rights under the Fair Debt Collection Practices Act ( FDCPA ), particularly under 15 USC 1692g, which mandates the validation of debt. 

**Lack of Opportunity to Dispute Debt** Despite being approached by LVNV FUNDING LLC XXXX regarding an alleged debt, I lacked prior knowledge of its existence and was not afforded the opportunity to contest it. 

**Request for Certified Mail Receipt** Per 15 USC 1692g , debt collectors are obligated to furnish consumers with a written notice within five days of initial contact, outlining debt details and dispute rights. However, no such communication was received. I demand LVNV FUNDING LLC, furnish the certified mail receipt, corroborated by my signature, confirming compliance with statutory notification requirements. 

**Unlawful Debt Collection Practices in New Jersey** It has come to my attention that LVNV FUNDING LLC , lacks authorization to pursue debt collections in New Jersey , my state of residence. Consequently, any pursuit of this alleged debt contravenes state regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
my credit card payment was due on XX/XX/XXXX and I made the payment with my debit card online. 
The credit card company didn't process the payment until XX/XX/XXXX and charged me a late fee of XXXX I called and they finally agreed to take off the late fee. 
I want other people to know that they should read their credit card statements bc this seems to be a common problem OR TRICK used by these people!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One credit card and XXXX XXXX XXXX credit card pulled my credit on all 3 bureaus. 
XXXX, XXXX, XXXX. 
This happened over night at XXXX and XXXX. 
I did not request any credit to be pulled nor did I inquire about getting a credit card.

I currently do not have any open credit cards with these companies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 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: FL

Complaint narrative:
This complaint is not sent in error. My credit report has some false and not 100 % accurate Information. This inaccurate information is causing undue stress and is affecting me negatively.

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 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/year>2024 at XXXX I called TransUnion to asked to speak to the fraud department. Once connected I explained how TransUnion is reporting inaccurate information on my file and how it's fraudulent. I explained to the agent that I have already had the Public Record removed from XXXX and XXXX and the documents that I sent them. I explained that I have also provided the same documentation to TransUnion as the other agencies and the Public Record has since been removed. The agent at TransUnion proceeded to tell me that I needed to go to the court and ask to have the public record expunged. I proceeded to ask the agent how can I get a letter for a Public Record for a bankruptcy that does belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
On XX/XX/year>2024 at XXXX I called XXXX to asked to speak to the fraud department. Once connected I explained how XXXX is reporting inaccurate information on my file and how it's fraudulent. I explained to the agent that I have already had the Public Record removed from XXXX and XXXX and the documents that I sent them. I explained that I have also provided the same documentation to XXXX as the other agencies and the Public Record has since been removed. The agent at XXXX proceeded to tell me that I needed to go to the court and ask to have the public record expunged. I proceeded to ask the agent how can I get a letter for a Public Record for a bankruptcy that does belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: HireRight Solutions, Inc.
State: NJ

Complaint narrative:
Subject : Formal Complaint Regarding Failure to Provide Background Report I am writing to formally complain about the difficulties I have encountered in obtaining a copy of my background report from HireRight. Over the past four months, I have made multiple attempts to receive this report, but my efforts have been consistently thwarted. 
On two separate occasions, HireRight provided me with a link and a password to access my background report. However, the passwords provided were invalid, rendering me unable to access my report. Despite following up on this issue, the problem remains unresolved. 
According to the Fair Credit Reporting Act ( FCRA ), I am entitled to receive a copy of my background report. HireRights failure to provide me with this information in a timely and accurate manner is not only frustrating but also a violation of my rights under the FCRA. 
I request that HireRight : 1. Provide me with a correct and accessible link and password to my background report immediately.

2. Conduct a thorough investigation into why my initial requests were not fulfilled.

3. Take the necessary steps to ensure that such issues do not recur in the future. 
Please treat this matter with the urgency it deserves. I expect a response and resolution to my complaint within 14 days of receipt of this letter. If this issue is not resolved promptly, I will consider taking further action, including but not limited to filing a complaint United State District COURT and seeking legal advice.

Company response to consumer: Closed with explanation