vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-27 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 was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2024-12-27 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: Experian Information Solutions 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.

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 response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: IN

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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: IN

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 explanation
Consumer complaint received 2024-12-27 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: IN

Complaint narrative:
Verify this account, as it does not belong to me. I do not recognize it and I am concerned about possible fraudulent activity. 

XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/2019 I have already reported this issue as identity theft on the IdentityTheft.gov website.

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 2024-12-27 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: KS

Complaint narrative:
I had an account with Lexington Law several years ago. They never provided me with the services they promised and charged me prior to providing me with the services. I never saw any results from this service and I have several friends who signed up and never saw the results they were promised either after spending thousands with them. They were direct drafting from my account for months.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: AZ

Complaint narrative:
These agencies have shown a pattern of negligence and willful noncompliance by allowing these unauthorized items to persist. This behavior is reckless, harmful, and a clear violation of your obligations under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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 am reaching out to you regarding the compromise of my social security number, as I have fallen victim to Identity Theft. I have already taken the necessary steps to address this issue, including filing a complaint with the Federal Trade Commission ( complaint # XXXX attached ).

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 2024-12-27 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: MO

Complaint narrative:
I'd discovered an old account that was recently deleted from my consumer report. This account has been deleted & reinserted on my consumer report without notice. Equifax has violated section 1681i ( B ) ( ii ) Treatment of inaccurate unverifiable information.

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 

Accounts : XXXX XXXX Act. # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: TX

Complaint narrative:
I look closely at my credit report and check that there is an accuracy on my accounts. I never been late in that. There might be an error in reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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: TX

Complaint narrative:
I look closely at my credit report and check that there is an accuracy on my accounts. I never been late in that. There might be an error in 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 explanation
Consumer complaint received 2024-12-27 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: NY

Complaint narrative:
I't never happen to my account I am a good payer, and I also paying on time, please understand the late remarks on my report and paid as aggreed, I'll settle all the late remarks on my report, and I also don't want to had a bad record on to you please.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
i have continuously been trying to resolve this issiue with experian.com membership and i order all 3 credit burues and charge me for the product but they only deliver experian and XXXX  but does not give me the report from XXXX from the experian.com website i have called many times trying to get this resolved but they dont seem to understand me at all.

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 2024-12-27 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:
The laws established by Congress to protect consumers safeguard my right to privacy. By allowing unauthorized access to my financial information, you have violated federal laws and infringed upon my constitutional rights, resulting in significant harm and distress.

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 2024-12-27 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: OH

Complaint narrative:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to this matter.

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 2024-12-27 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: OH

Complaint narrative:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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: DISCOVER BANK
State: IN

Complaint narrative:
I am a victim of identity the discover account that appears on my credit file is a result of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Mercedes Benz Financial Services
State: NJ

Complaint narrative:
I requested the price to purchase the vehicle. The price was provided, and the payment was submitted on time. The company came back saying the price was not right and want me to pay more {$900.00} for the vehicle. I asked why and was told the additional charge was due to an internal mistake made by Mercedes Benz Financial. The company did not want to take responsibility for its mistake and required me to pay the difference.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX, Apt XXXX XXXX, Texas XXXX XXXX Phone : XXXX [ XX/XX/year> ] Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Notification of Violation of Section 611 ( b ) of the Fair Credit Reporting Act Dear Sir or Madam : I am writing to you regarding a potential violation of Section 611 ( b ) of the Fair Credit Reporting Act ( FCRA ). Under this provision, if an item previously deleted from my credit report is reinserted, I must be notified in writing within five business days of the reinsertion. 

I have noticed that the following information, which was previously removed from my credit report, has been reinserted without me receiving the required notification : Reinserted Item : [ Describe the specific item ] Reinsertion Date : [ Date you noticed the reinsertion ] I request that you investigate this matter and provide me with a detailed explanation of the reasons for the reinsertion of this item without the proper notification. Furthermore, I urge you to take the necessary steps to address any noncompliance with the FCRA and ensure that my rights as a consumer are upheld. 

Enclosed are copies of relevant documents supporting my claim, including my credit report with the reinserted item highlighted. 

I appreciate your prompt attention to this matter and expect a response within 30 days, as required by the FCRA. 

Sincerely, [ Signature if on paper ] XXXX XXXX XXXX XXXX XXXX : Copy of the credit report with the reinserted item highlighted [ Other supporting documents ] Summary of Section 611 of the Fair Credit Reporting Act Section 611 of the FCRA outlines the procedures that credit reporting agencies must follow when disputes arise over the accuracy of information in consumer reports.

Key points of Section 611 : Reinvestigation of disputed information : If a consumer disputes the accuracy of any information on their report, the agency must conduct a free reinvestigation to determine if the information is inaccurate. 

Timeline for reinvestigation : The agency must complete the reinvestigation within 30 days of receiving the dispute. 

Notification of results : After the reinvestigation, the agency must provide the consumer with the results and an updated copy of the report if changes were made. 

Reinsertion of deleted information : If information is removed from the report and later reinserted, the agency must notify the consumer in writing within five business days of the reinsertion. 

Procedures to prevent reappearance of information : Agencies must maintain reasonable procedures to ensure that deleted information does not reappear on the report without proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX, Apt XXXX XXXX, Texas XXXX XXXX Phone : XXXX [ XX/XX/year> ] Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Notification of Violation of Section 611 ( b ) of the Fair Credit Reporting Act Dear Sir or Madam : I am writing to you regarding a potential violation of Section 611 ( b ) of the Fair Credit Reporting Act ( FCRA ). Under this provision, if an item previously deleted from my credit report is reinserted, I must be notified in writing within five business days of the reinsertion. 

I have noticed that the following information, which was previously removed from my credit report, has been reinserted without me receiving the required notification : Reinserted Item : [ Describe the specific item ] Reinsertion Date : [ Date you noticed the reinsertion ] I request that you investigate this matter and provide me with a detailed explanation of the reasons for the reinsertion of this item without the proper notification. Furthermore, I urge you to take the necessary steps to address any noncompliance with the FCRA and ensure that my rights as a consumer are upheld. 

Enclosed are copies of relevant documents supporting my claim, including my credit report with the reinserted item highlighted. 

I appreciate your prompt attention to this matter and expect a response within 30 days, as required by the FCRA. 

Sincerely, [ Signature if on paper ] XXXX XXXX XXXX XXXX XXXX : Copy of the credit report with the reinserted item highlighted [ Other supporting documents ] Summary of Section 611 of the Fair Credit Reporting Act Section 611 of the FCRA outlines the procedures that credit reporting agencies must follow when disputes arise over the accuracy of information in consumer reports.

Key points of Section 611 : Reinvestigation of disputed information : If a consumer disputes the accuracy of any information on their report, the agency must conduct a free reinvestigation to determine if the information is inaccurate. 

Timeline for reinvestigation : The agency must complete the reinvestigation within 30 days of receiving the dispute. 

Notification of results : After the reinvestigation, the agency must provide the consumer with the results and an updated copy of the report if changes were made. 

Reinsertion of deleted information : If information is removed from the report and later reinserted, the agency must notify the consumer in writing within five business days of the reinsertion. 

Procedures to prevent reappearance of information : Agencies must maintain reasonable procedures to ensure that deleted information does not reappear on the report without proper verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I called the following companies on my report XXXX XXXX and JPMCB Card regarding inquires on my report. I told them I never applied for credit and this was fraud. They told me to call the credit bureau to get them removed. I called XXXX and told them about my identity fraud situation and sent them over a police report and FTC reports, its been over a month now. They told me it would be removed within 24-48 hours but they are still on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: U.S. BANCORP
State: OH

Complaint narrative:
I called the following companies on my report Elan Financial and XXXX XXXX regarding inquires on my report. I told them I never applied for credit and this was fraud. They told me to call the credit bureau to get them removed. I called XXXX and told them about my identity fraud situation and sent them over a police report and FTC reports, its been over a month now. They told me it would be removed within 24-48 hours but they are still on 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