vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-15 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: IN

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding an issue I have encountered with the following accounts : XXXX - XXXX XXXX - XXXX XXXX/XXXX  - XXXX as reported on my credit report. I had previously sent these account for validation, and despite being returned as " accurately reporting, '' I still believe that the information is incorrect and that there was no proper proof of debt validation provided. 

Here are the details of my complaint : Inaccurate Reporting : The information related to the following accounts on my credit report is inaccurate. I have thoroughly reviewed the details, and I am certain that there are discrepancies that need to be addressed. The inaccuracies adversely affect my credit score and financial standing. 

Validation Request : I had submitted a request for debt validation to the listed accounts in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ). However, the response I received did not provide satisfactory proof of the debt 's validity. The lack of proper validation documentation raises concerns about the accuracy of the reported information. 

Impact on Credit Score : The inaccurate reporting of this account has had a significant negative impact on my credit score, affecting my ability to secure favorable terms on loans and credit. It is crucial that the inaccuracies be corrected promptly to restore the accuracy of my credit report. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to rectify the inaccuracies in the reporting of the above listed accounts. I also request that the bureau ensure proper validation of the debt in question. 

Enclosed with this complaint, please find copies of relevant documents, including my original validation request for each account. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will act promptly to address these concerns and work towards resolving this issue. 

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 2024-01-15 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: PA

Complaint narrative:
Hello My name is XXXX XXXX I reviewed my consumer reports and noticed that i had one late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. 

I have never been late on payments for the accounts that i haveincluded screenshot inside this complaint in on dates of ( XX/XX/2023 ). Please investigate and provide proof with statements showing that these payments were late. 

If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. I have attached supporting documentation.

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 2024-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I just checked my credit report and notice some inquiries that I didn't recognize. I believe I was a victim of fraud. I am distress and this matter as affected me from getting access to different forms of credit. Please help me to delete this fraudulent activity in my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-15 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:
XXXX is furnishing incorrect information on my profile, The following Accounts and or Collection does not belong to me ; 1. XXXX XXXX | XXXX | {$930.00} 2. XXXX XXXX | XXXX | {$26000.00} 3. XXXX XXXX | XXXX | {$4600.00} 4. XXXX XXXX XXXX | XXXX | {$350.00} the above accounts are not my accounts and they are furnishings accounts on my credit profile that does not belong to me. It is illegal to put something on credit report when they do not have any documents bearing my physical signature

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 2024-01-15 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: MO

Complaint narrative:
Closed 5 while working on 3 only problem is there all the same problem which experian stole NOW 20 months of on time never late payments to XXXX and refuse to give them back SCAM SCAM SCAM SCAM SCAM

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 2024-01-15 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: IL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-15 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: CA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous personal information and accounts that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous personal information, accounts and inquiries that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group
State: VA

Complaint narrative:
On XX/XX/2023, I mailed CKS Prime Investments a certified letter ( USPS Tracking number : XXXX XXXX XXXX XXXX XXXX XXXX ), which they received on XX/XX/2023. Despite sending a certified letter, they have not responded or provided the requested validation. 

On XX/XX/2023, I mailed them another certified letter ( USPS Tracking number : XXXX ) ; which they also received on XX/XX/2023 asking for the immediate closure of the disputed collection account and the cessation of its reporting to the credit bureaus within 15 days since they failed to address it within the first 30 days.. They proceeded to update the account with the credit reporting agencies YET they still did not acknowledge my letter sent to them.

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 2024-01-15 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:
Hello, I have recently noticed fraudulent activity on my credit reports. What I have found, has led me to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regards to this incident. In addition, I have attached a PDF document reflecting all items that were found. PLEASE REMOVE THE FOLLOWING ACCOUNTS AND INQUIRIES ASAP. 

XXXX XXXX  XXXX XXXX {$500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  {$5000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$7000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX EXPERIAN XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-15 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: PA

Complaint narrative:
Hello My name is XXXX XXXX I reviewed my consumer reports and noticed that i had one late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. 

I have never been late on payments for the accounts that i haveincluded screenshot inside this complaint in on dates of ( XX/XX/2023 ). Please investigate and provide proof with statements showing that these payments were late. 

If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. I have attached supporting documentation.

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 2024-01-15 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: PA

Complaint narrative:
Hello My name is XXXX XXXX I reviewed my consumer reports and noticed that i had one late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. 

I have never been late on payments for the accounts that i haveincluded screenshot inside this complaint in on dates of ( XX/XX/2023 ). Please investigate and provide proof with statements showing that these payments were late. 

If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. I have attached supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-15 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: NJ

Complaint narrative:
I, XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion. 

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.

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 2024-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
On XX/XX/2024, I submitted a dispute to Equifax using my Equifax I in cluded FTC Report, Police Report, and driver 's license, I requested to block and removed all fraudulent accounts from my credit report. As identified in 15 USCS 1681 c-2 blocking of fraud accounts, however, on Monday XX/XX/2024, I contacted Equifax by phone at XXXX to speak to THE OFFICE OF CONSUMERS AFFAIRS. ABOUT why has these fraudulent accounts still on my report after 4 days, the agent name was XXXX in the Office of consumer affairs Equifax. I was told on a recorded called that since I filled my dispute with Equifax on line the document I submitted is not valid and that I would have to mail the documents in that's Equifax policy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
XXXX XXXX of a law office called me from phone number XXXX XXXX XXXX on XX/XX/XXXX she told me that I owed money to XXXX XXXX asap and if I did not pay it she was going to send it to XXXX county as a lawsuit. I was planning on paying it anyway and told her I would pay it. I paid with a someone and was told I would get a receipt and it removed from my credit. I then got a phone call from XXXX telling me they had the collection and I still owed it. I said I paid it and they wanted proof I sent over the copy of the payment on my account and it now says in dispute. I call XXXX XXXX again on XX/XX/XXXX and left a message she called me back and said I would get a receipt and she would call XXXX. I have gotten nothing from her and it is still showing on my credit. Now when you call her there is no answer and her mailbox is full. 

I just called the number on the charge and it is not even a company that does this. XXXX XXXX  XXXX XXXX XXXX 

I want my money back from XXXX XXXX or this removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-15 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: PA

Complaint narrative:
Hello My name is XXXX XXXX I reviewed my consumer reports and noticed that i had one late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. 

I have never been late on payments for the accounts that i haveincluded screenshot inside this complaint in on dates of ( XX/XX/XXXX  ) ( XX/XX/XXXX  ) Please investigate and provide proof with statements showing that these payments were late. 

If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late.

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 2024-01-15 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: MD

Complaint narrative:
The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ). The student loans should not be reported on my credit reports by Equifax, XXXX, or XXXX. They should be removed asap as this has hindered me from getting countless approvals for credit cards and car loans and mortgages because of the debt to income ratio. Credit reporting agencies have a duty to follow the law. If they would have followed the law many people would be in better positions. XXXX Equifax, and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Equifax, XXXX, ( Furnisher of information to credit agencies ), whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item that needs to be deleted.

Company response to consumer: Closed with explanation