vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-06 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: EQUIFAX, INC.
State: IL

Complaint narrative:
To whom is concerned I have called Equifax several times about simply removing these addresses that are incorrect, inaccurate, and irrelevant to my current situation. I still see these inaccuracies in my report. Please help! 

I have DEMANDED THEM TO REMOVED FROM MY CREDIT REPORT IMMEDIATELY!!! 

XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX My current and only address is : XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Employment information. This is inaccurate, outdated, private personal information, I DEMAND THEY BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY. 

15 U.S. Code 1681a defines a consumer report as any communication by a consumer reporting agency about a consumers creditworthiness, credit standing, or other relevant factors. 

Thank you XXXX XXXX { Documents included }

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

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 2024-06-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

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 account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) 281 SW 715,719 I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

In requesting documentation none was provided. Due to identity theft this should be removed.

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

Complaint narrative:
The three main credit bureau are reporting inaccurate information on my credit report. 
Please see attached files below.

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 2024-06-06 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: OH

Complaint narrative:
The three main credit bureau are reporting inaccurate information on my credit report. 
Please see attached files below.

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 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Dear CFPB, I am writing to express my extreme dissatisfaction and request immediate action regarding the ongoing failure to for the credit bureaus to be addressing the fraudulent accounts, inaccurate information, and the resulting negative impact on my credit reports. The repeated negligence from these companies in handling this situation is unacceptable and constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ). 

Background : In XXXX of XXXX, I submitted detailed disputes outlining fraudulent accounts on my credit report. 

To support my claims, I provided extensive documentation : A copy of the Federal Trade Commission Identity Theft Report ( FTC Report ) filed on XX/XX/XXXX and again on XX/XX/XXXX An affidavit outlining the fraudulent activity. 

Additional documentation which includes information from text messages that took place with the caregiver of my children who opened these fraudulent accounts and made it appear as if myself and significant other are to be at fault. 

Unacceptable Response : The continued presence of fraudulent accounts after I have provided substantial evidence on multiple occasions is a gross violation of the responsibilities under the FCRA. This negligence severely damages my financial reputation and well-being. 

Specific Issues : XXXXXXXX XXXX actions, including their refusal to acknowledge the fraudulent account, have resulted in a significant decline in my credit score. This has caused my credit score to go from XXXX down to below XXXX. 

XXXX XXXX  : This account was removed, however the debt XXXX account is now showing on my credit reports. 

XXXX XXXX : Account shows removed, yet remains on credit report. 

XXXX XXXX : Account is current and has not been updated since XX/XX/XXXX. Showing past due payments from end of XXXX as being a negative item on my report. XXXX XXXX adjusted these past due payments and removed them as being past due after caregiver had stolen funds out of my checking account. Therefore this account should not be reported as past due. 

XXXX XXXX : Account says removed from credit report, yet it still showing on report. 

I have disputed all of these accounts with all credit bureaus numerous times and they are still not being handled in the proper manner. I have submitted proof to the credit bureaus numerous times, as well as to the creditors themselves. Yet these accounts are still being shown as mine upon them being fraudulent. These accounts have caused a SIGNIFICANT decline in my credit score.

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 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
XXXX and Chex Systems have blocked my credit and consumer reports. I have not had access to my files years because they decided to let identity thieves use and have access to my credit instead of me. In XXXX 's case, when I log into their XXXX product, another social security number is being displayed along with a blank credit file. The same product I have used for years allnof a sudden displays someone else 's information. 

ChexSytems has denied me my consumer file and has also let identity thieves have their way with my consimumer file. 

Both agencies have denied my requests to remove fraudulent addresses, inquiries and accounts or other outdated or fraudulent information not belonging to me nor initiated by 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 explanation
Consumer complaint received 2024-06-06 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: CA

Complaint narrative:
I contacted Sallee Mae regarding option for lowering payments, lowering interest, deferring, in school deferment, XXXX deferment. They informed I was ineligible for any option other than paying my full payment which is over XXXX $ or I would be reported to credit bureau. They also said I wasnt permitted to get a new private loan with lower interest to pay off my existing loan. I did inform them I was XXXX XXXX XXXX XXXX XXXX XXXX and have been XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and am still XXXX XXXX XXXX XXXX XXXX XXXX They informed me they still couldnt help me with any option.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to formally submit a complaint against credit bureaus for failing to provide method of validation, after multiple attempts and against the credit bureaus for not providing the method of verification for a disputed item on my credit report. Below is a detailed description of the incident : Description of What Happened : On XX/XX/XXXX, I first disputed an item on my credit report associated with XXXX XXXX XXXX ( Account Number : XXXX ). Despite my dispute, the credit bureaus have not been able to provide the method of verification for this item, which raises concerns about how they verified the debt. I submitted a second request on XX/XX/XXXX and a third request on XX/XX/XXXX, yet the issue remains unresolved. 

I have made several attempts to obtain validation of this debt directly from XXXX XXXX XXXX. However, despite my repeated requests, I have not received any response or validation of the debt. This lack of response is not only frustrating but also a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ).

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 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: GA

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. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my ALLY - XXXX :. 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 non-monetary relief
Consumer complaint received 2024-06-06 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.
State: CA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries.

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

Complaint narrative:
I am disputing and investigating these wrong accounts on my credit file, I should get {$1000.00} for each mistake under the Fair Credit Report Act, FCRA 6058 says we must report wrong accounts on 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 non-monetary relief
Consumer complaint received 2024-06-06 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: The CMI Group, Inc.
State: CA

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 account listed without my expressed written consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling 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 2024-06-06 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: NJ

Complaint narrative:
I ASSERT THAT BY LAW, THE TRANSACTIONS REFERENCED IN MY CONSUMER REPORT WERE NOT MADE BY ME. I CATEGORICALLY DENY PROVIDING WRITTEN CONSENT TO THE COMPANIES INVOLVED TO REPORT OR FURNISH ANY INFORMATION PERTAINING TO THESE TRANSACTIONS ON MY CONSUMER REPORT. IT IS MY LEGAL RIGHT TO ENSURE THE ACCURACY AND INTEGRITY OF MY CONSUMER REPORT, AND I REQUEST THAT THE APPROPRIATE ACTIONS BE TAKEN TO RECTIFY THIS MATTER SWIFTLY.

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 2024-06-06 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: PA

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX alleges I owe a debt of {$10000.00}. I have notified them by certified mail, on several occasions, most recently on XX/XX/year> that this debt belongs to a deceased relative with a similar but not identical name as mine. The alleged debt is owed by XXXX XXXX XXXX and I am XXXX XXXX XXXX . Ive forwarded XXXX dispute letters showing a copy of my drivers license with my legal name and address but XXXX continues to violate my federal rights by validating a debt that isnt mine. Additionally, XXXX mailed me a letter stating that my alleged debt had been written off with a form 1099 showing the amount they forgave. I immediately informed XXXX that I was once again NOT their debtor but received no response. To make the situation worse my consumer reports continue to show the debt as owed and valid. Even though its not my debt, it shouldnt report as valid and past due if its written off and forgiven. XXXX continues to violate my Federal rights by reporting this erroneous debt as mine even though Ive proven it is not.

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 2024-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-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
Consumer complaint received 2024-06-06 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:
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 non-monetary relief
Consumer complaint received 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE! Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief