vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-03 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:
On XX/XX/XXXX Complaint XXXX was submitted to Equifax. The items I disputed were violating my rights. I submitted all documents as proof. On XX/XX/XXXX Equifax responded that the items I disputed were either : not showing or deleted. 
Upon checking my equifax report on my portal at myequifax.com I discovered they lied and every item I disputed that they said they deleted or wasnt reporting is absolutely being reported. I have attached the documents to show Equifax has willfully violated my rights and lied to the CFPB AND ME and are reporting the information as of XX/XX/XXXX after saying they werent on XX/XX/XXXX. I need this fixed and I am seeking monetary compensation as this recently prevented me from being approved for credit. 


I have included from the XX/XX/XXXX complaint ( XXXX ) the original letter, ftc affidavit XXXX well as current credit report showing equifax lied XXXX these accounts not reporting as proof of willfull non compliance. This has been inconvenient for me and affecting my livelihood negatively. WHEN I CALLED BY PHONE ON XX/XX/XXXX NOW THEY CANT FIND MY CREDIT REPORT ALL OF A SUDDEN IN AN ATTEMPT TO STOP ME FROM ADDRESSING THIS WITH THEM THE LETTER SHOWS THE CONNS BALANCE OF {$5500.00} THE ACCOUNT NUMBER WASNT LISTED .THE ACCOUNT NUMBER IS XXXX XXXX WITH THE BALANCE OF {$5500.00} AS SHOWN ON THE XX/XX/XXXX EQUIFAX CREDIT REPORT. ALL THE INQURIES ARE THERE THAT THEY SAID XXXX OR WERE DELETED., THIS SHOULD BE ILLEGAL TO TELL CFPB A LIE WHILE BLATANTLY REPORTING .I WILL FILE WITH THE ATTORNEY GENERAL ALSO.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-03 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: NY

Complaint narrative:
I have contacted transunion twice with XXXX different dispute letters regarding a couple inquiries on my report & nobody has yet to response to me, sent dispute in a month ago & also sent my second dispute in XXXX weeks ago still no answer the inquiries I need to be disputed will be listed below XXXX  XXXX ( Bank ) - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX ( Bank ) - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX SSN- 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 2024-08-03 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: GA

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-03 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: FL

Complaint narrative:
After examining my credit report, I identified inaccurate accounts that were not due to any error on my part.

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 2024-08-03 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: GA

Complaint narrative:
This company failed to supply me with the verification information that is supposed to be supplied when I requested theses acounts be verified or removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-03 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture, a bill, and and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ). I kindly request that you block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit reporting Act, I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required by the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 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: IL

Complaint narrative:
Subject : Complaint Against Experian for Failure to Update Credit Report** I am writing to formally lodge a complaint against Experian regarding their failure to accurately update my credit report. Despite providing all necessary documentation, Experian has not corrected an outdated negative entry on my report. 

Specifically, the issue concerns a paid debt of {$38.00} with XXXX XXXX XXXX. XXXX  XXXX XXXX no longer reports this debt as outstanding, and I have requested the removal of this information from my credit report. I sent letters to XXXX, Experian, and XXXX, along with proof of payment, requesting the removal of this entry. Both XXXX and XXXX have complied with my request and updated their records accordingly. 

However, Experian has not made the necessary correction. I sent a certified letter to Experian, including proof of payment and the original request for removal, but the negative entry remains on my report. 

Enclosed are copies of the certified letter and proof of payment sent to Experian. I kindly request that the Consumer Financial Protection Bureau intervene to ensure that Experian corrects this inaccurate and outdated information on my credit report. 

Thank you for your attention to this matter. I look forward to your prompt assistance in resolving this issue. 

Also, I have no business, paid services or products with Experian Credit bureau. I am requesting that they cease performing these soft inquiries on my credit report. It is not necessary to do so. I request all marketing sent to me by email, phone or other forms of communication be terminated today. 

Also, please be advise, per your rep I was asked to do XXXX separate complaints. Please see complaint confirmation number XXXX. I submitted the complaints about Experian on the same day XX/XX/year>.

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 2024-08-03 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: MI

Complaint narrative:
I am writing to formally dispute inaccuracies in my credit report under the Fair Credit Reporting Act ( FCRA ). The account in question, associated with XXXX XXXX, is reported inaccurately and in violation 's of multiple sections of the FCRA. Please review the following details and take immediate action to correct these errors. 

Account Information Creditor : XXXX XXXX Account Number : XXXX Reported to : TransUnion, XXXX XXXX and Violations Violation of 15 U.S.C. 1681i ( 7 ) - Method of Verification The account was reported without valid evidence of the alleged debt. I demand verification of the method used to validate this account 's information. The lack of sufficient evidence necessitates the removal of this account from my credit report.

Violation of 15 U.S. Code 1681e ( b ) and 1681i ( 5 ) - Accuracy of Report The reporting of this account fails to meet the standard of accuracy mandated by law. The information provided is not 100 % accurate, as evidenced by the inconsistencies in payment history and account status. For example, there are discrepancies in the date last active, date of last payment, and the payment history across different reporting agencies Unauthorized/Erroneous Account due to XXXX XXXX XXXX This account may have been erroneously reported as a result of the XXXX XXXX XXXX. It is imperative to ensure that the reported information is accurate and not the result of unauthorized access or data manipulation.

Violation of 15 U.S. Code 1681a ( 2 ) ( B ) - Exclusions from a Consumer Report Any credit transaction involving the use of a social security card is to be excluded from consumer credit reports. Please confirm whether a social security card was used in this transaction and remove the account if it falls under this exclusion category.

Payment History Discrepancies The payment history reported is inconsistent, with conflicting information on payments and dates last active. Notably, the two-year payment history is not accurately reflected, with unclear or missing data for multiple months Request for Action In accordance with the FCRA, I request the following actions be taken within the legally required timeframe : Immediate Investigation into the accuracy of the information reported.

Deletion of all inaccurate and unverifiable information related to the XXXX XXXX account. 
Written Confirmation of the results of your investigation and any actions taken. 
Please consider this a formal complaint and investigation request. I expect prompt action and compliance with the relevant federal laws. 

Thank you for your attention to this matter. I look forward to a prompt resolution.

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 2024-08-03 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: GA

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

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 2024-08-03 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: GA

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.

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 2024-08-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC
State: OK

Complaint narrative:
I went to use my card. And it was declined. I checked the website which states Im below my limit and should have {$170.00} available to use. But then it said Im over my limit by {$18.00}. 
When I called, the CSR could not send me any information on my pending transactions, but could read them off to me. And said the website is down. There has been no notice that the website was not functioning. The CSR said the website would be working next week. 
Please check into this because the whole thing is sketchy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 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: KY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Account 1 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ). 
According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. 
Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate. 

I request that the following actions be taken immediately : Investigation of the mentioned violations. 
Removal of the unauthorized accounts from my credit report. 
Exclusion of any obsolete information in compliance with 15 USC 1681c ( a ) ( 5 ). 
Correction of any inaccurate information in accordance with 15 USC 1681s-2 ( a ) ( 1 ). 
Notification of the correction to any person who has received my credit report in the past six months. 
I expect a written response within the next 30 days. If this situation is not adequately resolved, I will consider taking the necessary legal actions to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 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: KY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Account 1 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ). 
According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. 
Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate. 

I request that the following actions be taken immediately : Investigation of the mentioned violations. 
Removal of the unauthorized accounts from my credit report. 
Exclusion of any obsolete information in compliance with 15 USC 1681c ( a ) ( 5 ). 
Correction of any inaccurate information in accordance with 15 USC 1681s-2 ( a ) ( 1 ). 
Notification of the correction to any person who has received my credit report in the past six months. 
I expect a written response within the next 30 days. If this situation is not adequately resolved, I will consider taking the necessary legal actions to protect my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-03 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bridgecrest Acceptance Corporation
State: NV

Complaint narrative:
My vehicle was repossessed by Bridgecrest. Despite numerous attempts to contact their company for information regarding the repossession process and the necessary steps to redeem my vehicle, i was not provided with adequate guidance or assistance before my vehicle was sold in an auction. Which is a violation of my consumer rights and legal obligations. After my vehicle was sold illegally, i received an inaccurate and incomplete deficiency report. Missing pertinent information. The lack of transparency and failure to adhere to regulatory requirements is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 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: GA

Complaint narrative:
This company failed to supply me with the verification information that is supposed to be supplied when I requested theses acounts be verified or removed

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 2024-08-03 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: GA

Complaint narrative:
This company failed to supply me with the verification information that is supposed to be supplied when I requested theses acounts be verified or removed

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 2024-08-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the actions of several accounts that have violated my rights under the Fair Credit Reporting Act ( FCRA ). The specific accounts in question are : XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the FCRA, specifically 15 U.S.C. 1681, I believe my rights have been violated in the following ways : Right to Privacy : As stated in 15 U.S.C. 1681 section 602 ( a ), I have the right to privacy regarding my credit information. These accounts have failed to uphold this right, as my personal credit information has been mishandled or improperly disclosed. Failure to Obtain Written Instructions : According to 15 U.S.C. 1681b section 604 ( a ) ( 2 ), a consumer reporting agency is prohibited from furnishing a credit report without my written instructions. Each of the above-listed accounts has reported information about my credit without obtaining my explicit written permission, thereby violating this provision of the FCRA. These actions have caused me significant distress and have potentially impacted my financial standing. I request that the Consumer Financial Protection Bureau conduct a thorough investigation into these violations and take appropriate measures to ensure that these companies comply with the FCRA. Enclosed with this letter, you will find copies of relevant documentation supporting my claim, including credit reports and correspondence with the aforementioned companies. Thank you for your prompt attention to this matter. I look forward to a resolution that ensures my rights are protected under the FCRA. Should you require any additional information or clarification, please do not hesitate to contact me at the above-listed contact information. Sincerely,

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 2024-08-03 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: EQUIFAX, INC.

Complaint narrative:
Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos XXXX XXXXXXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :

Company response to consumer: Closed with non-monetary relief