vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-13 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: CT

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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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 2024-09-13 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: CT

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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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 explanation
Consumer complaint received 2024-09-12 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX # XXXX - I hereby dispute the validity of the alleged debt listed below Entirely. I also request verification of the alleged debt, Specifically, a copy of the ORIGINAL PURCHASE AGREEMENT. Agreement must be with the original creditor and signed by all parties involved. I am requesting this because I have had different companies reach out to me about this same alleged debt. I am requesting immediate deletion of all prior reporting made to any consumer reporting agencies, XXXX, Equifax, XXXX and XXXX. You must Cease Collection efforts until this alleged debt is validated. You must show proof that you legally own this debt and that it is accurate and complete thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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: 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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681section 602 A. States I have the right to privacy.

15 U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction 's.

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 record of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-09-12 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: EQUIFAX, INC.
State: ID

Complaint narrative:
Since XX/XX/2024 my credit report has been erroneously erased with Equifax. I have called multiple times to notify Equifax, however because all the information in my report has been either misplaced due to a split file, ssn mistakenly deleted from my account, or outright erased, the automated phone tree can not verify my account and hangs up on me. 

This problem is unique to Equifax, as both XXXX and XXXX have the correct information going back to the start of my credit history. According to Equifax I have no credit lines open, no address information, no bank accounts, nothing. I have attempted many times to use the only line of communication provided, phone, to reach someone to speak to, however this never works as I explained above. 

The complete lack of outlets for communication, an insuferable automated phone tree which quite frankly should be illegal for lack of accuracy, and denial of communication, its all so appalling. This strange problem should not have happened in the first place had Equifax had good data managment systems like XXXX or XXXX. The fact they make it this difficult to contact a real person shows they are aware of the problem, they would rather ignore folks like me and hope we forget about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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: 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 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 2024-09-13 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: 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 information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AZ

Complaint narrative:
A collection account from COLUMBIA DEBT RECOVERY, LLC/ COLUMBIA DEBT RECOVERY/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX COLUMBIA DEBT RECOVERY dba GENSIS has been inaccurately reporting on my credit report. This debt does not belong to me, and after disputing the debt with credit bureaus on, I received no proper validation of the debt from the collection agency, which is a violation of the Fair Credit Reporting Act ( FCRA ). Despite this, the debt remains on my credit report, damaging my credit score. I request that the CFPB have this erroneous collection account removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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:
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 2024-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
XXXX XX/XX/XXXX My XXXX XXXX card texted me letting me know someone had run a credit verification. I called them & it showed XXXX XXXX had an application, I called them & it showed an online application had been made from XXXX, Georgia. I told them it was fraud. I then went on to XXXX to put a Fraud Alert. 

Mon. XX/XX/XXXX I received an email threatening me if I don't pay {$2000.00} in XXXX. I logged into a my Truist Bank & saw XXXX deposits and XXXX withdrawal for Account verification from XXXX. 
I called them & showed nothing, noted my acct & have subsequently closed it all together since I've never had any banking info listed. 

When I called Truist bank the put a block and told me I had to make an appt for the following day to close it and open a new acct. 

XXXX Went into bank for my XXXX appt & dealt with Manager, XXXX. See initially saw theXXXX withdrawal from XXXX and the subsequent deposits of XXXX & XXXX - I asked for a printout for my own records & I noticed the XXXX were not listed. She then went into another window/report & saw that XXXX XXXX XXXX XXXX XXXX had attempted to withdraw {$9800.00} and XXXX after the XXXX all return since I had alerted the bank. 

Same day I opened a new acct. 

XXXX XX/XX/XXXX again XXXX new transactions credit for XXXX and XXXX debits XXXX & XXXX under ACCT VERIFY XXXX XXXX XXXXXXXX XXXX. I had to give the bank the references numbers for them to call some back office where finally i obtain info : Trace # XXXX CompanyID # XXXX XXXX XXXX XXXX XXXX  XXXX which they in turn they handle matters for XXXX XXXX XXXX Spoke with XXXX who after giving her my SSN she asked I called XXXX XXXX XXXX. Spoke with XXXX in Fraud who after I shared the story asked my name & said they had received an application that had been flagged since it looked suspicious & was denied just like the XXXX XXXX. The XXXX # is XXXX & said to tell Truist to send a recall to XXXX. 

I now have to watch acct & all debits have been blocked. I am not sure if it is someone from Truist. The bank said it was most likely my apple desktop or phone. 

I called XXXX who went over it & found nothing suspicious plus I have malware on system. Called XXXX & did the same for my phone. 

I didi forget to mention back on XX/XX/XXXX XXXX sent me a letter telling me data had been breached & they service my mortgage & the only draft I had with Truist. I called them too & they are saying matter was addressed & it has been too long. 

I need help and I m going to run out of time on website, still have to upload all paperwork. 
Thank 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 2024-09-13 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: OneMain Finance Corporation
State: TX

Complaint narrative:
One main financial sent me a lot of loan offers in my email and stated check offer that will not impact credit then during they loan application process I selected self employed, I have an auto loan they run my bank account for 2 years transaction then approved my loan. The sent me an email requesting for my vehicle registration and pay stub. Vehicle insurance with {$1000.00} deductible. Their advert is misleading and their process is misleading. I had attached screen shoot of my application that indicated I selected self employed and I have auto loan they had a hard pull on my credit report as against soft pull on their email marketing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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: TX

Complaint narrative:
In review of my credit profile I saw some inquiries that did not 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 2024-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
There was a {$19.00} fraudulent charge on my business checking from XXXX. I called customer service and they didnt bother to handle the claim. Im requesting chase satisfy their Reg E requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: NC

Complaint narrative:
Unauthorized Collection Efforts : According to information provided by XXXX XXXX, the debt in question was sold to XXXX XXXX, and as such, Vance & Huffman LLC is not authorized to collect this debt. Despite this, you have continued to report this debt as open and with an outstanding balance on my credit report, which is inaccurate and misleading. 

On XX/XX/year>, you acknowledged receipt of my request for validation of this debt. Instead of providing the requested assignment contract proving your legal authority to collect, you sent a link to review loan documents, which fails to demonstrate your right to collect the debt. Your actions are not only a violation of the FCRA but also of North Carolina state law, which bars the collection of unauthorized or time-barred debts.

FCRA Violations : Failure to Provide Proper Validation : As required by the FCRA, you must provide a legal assignment contract or documentation proving that you have the authority to collect this debt. You have failed to furnish such documentation, despite my specific request.

Inaccurate Reporting to Credit Bureaus : You have inaccurately reported this debt as open and with a balance to XXXX and potentially other credit bureaus, despite having no legal authority to collect it. This constitutes a direct violation of the FCRAs requirement to ensure that only accurate information is reported.

Failure to Correct or Remove Inaccurate Information : Despite my dispute, you have continued to allow this false information to appear on my credit report, further violating my rights under the FCRA.

Violation of North Carolina Law : Your continued attempts to collect this debt violate North Carolina state law, as you are not legally authorized to pursue collection. North Carolina law prohibits the collection of debts that have not been properly assigned, making your actions illegal and subject to legal consequences. 

Remedy Requested : In order to resolve this matter without litigation, I demand that you take the following actions within 15 days of receipt of this letter : Cease all collection efforts related to this debt and cease reporting it to any credit reporting agencies, including XXXX. 
Provide written confirmation that the debt has been sold to XXXX XXXX and that you have no further legal right to collect it. 
Instruct XXXX to remove the collection account from my credit report. 
Provide written confirmation that all of the above actions have been completed. 
If you fail to comply with these demands, I will have no choice but to pursue legal action for violations of the FCRA, FDCPA, and North Carolina state law, seeking both statutory damages and compensation for financial and emotional harm caused by your unlawful collection attempts. 

I expect a prompt response and resolution to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 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: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint 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 2024-09-13 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: GA

Complaint narrative:
My account with was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports 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