vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-24 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:
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. 

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 has violated my rights. Or 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 2024-01-24 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: MI

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 XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or 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 2024-01-24 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: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
I sent a letter to this company on XX/XX/2023 and have not received a response from this company. I am not liable for this debt with XXXX  XXXX XXXX  usa and I do not have a contract with Portfolio Recovery, plus they did not provide me with the original application like I asked. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within XXXX  XXXX  gives a reason to immediately remove those items from my credit report and it has been over XXXX XXXX so they should be deleted promptly. I demand this account to be deleted immediately from my credit report or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person. The product/service is a XXXX, Account numbers is XXXX-XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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 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 2024-01-25 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: FL

Complaint narrative:
According to the FCRA, this is against my rights. This Account was paid and closed on XX/XX/2023 but all 3 credit bureau keeps reporting monthly on my credit report. Its showing last update on XX/XX/2023 but it was closed and paid in full in XX/XX/2023. This is inaccurate and it needs to be changed and corrected. 15 USC 1681 section 602 states I have a right to privacy. 15 USC 1681 section 604 A section 2 : states a consumer reporting agency can not furnish an account without my written instructions.

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 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
According to the FCRA, this is against my rights. This Account was paid and closed on XX/XX/year> but all 3 credit bureau keeps reporting monthly on my credit report. Its showing last update on XX/XX/year> but it was closed and paid in full in XX/XX/year>. This is inaccurate and it needs to be changed and corrected. 15 USC 1681 section 602 states I have a right to privacy. 15 USC 1681 section 604 A section 2 : states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: FL

Complaint narrative:
According to the FCRA, this is against my rights. This Account was paid and closed on XX/XX/2023 but all 3 credit bureau keeps reporting monthly on my credit report. Its showing last update on XX/XX/2023 but it was closed and paid in full in XX/XX/2023. This is inaccurate and it needs to be changed and corrected. 15 USC 1681 section 602 states I have a right to privacy. 15 USC 1681 section 604 A section 2 : states a consumer reporting agency can not furnish an account without my written instructions.

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 2024-01-24 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: GA

Complaint narrative:
I kindly seek your assistance in correcting my personal information. I have clearly outlined all necessary corrections in my letters to each credit bureau, and I have attached proof of the inaccuracies in my records. This correction is crucial to me due to the presence of derogatory and negative accounts on my credit report that I find misleading and incorrect. I urgently request these to be validated and removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 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: GA

Complaint narrative:
I kindly seek your assistance in correcting my personal information. I have clearly outlined all necessary corrections in my letters to each credit bureau, and I have attached proof of the inaccuracies in my records. This correction is crucial to me due to the presence of derogatory and negative accounts on my credit report that I find misleading and incorrect. I urgently request these to be validated and 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 2024-01-25 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:
XXXX, EQUIFAX, AND XXXX are inaccurately reporting the account ( XXXX XXXX XXXX XXXX ) as a debt when it is income. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate and it must be removed! 
15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 
Not only is this account reported as a charge off ( income ). In the Comment section of the EQUIFAX consumer report, this account is listed as " medical '', ONLY on this EQUIFAX consumer report and not the other two. The reported income is not related to anything Medical and therefore is inaccurate.

XXXX XXXX XXXX acco unt MUST be removed from my consumer report! 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax, Transunion, & Experian are not maintaining reasonable procedures.

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. '' XXXX XXXX XXXX the financial institution and the Consumer reporting agencies Equifax, XXXX, & XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX XXXX XXXX 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. '' XXXX XXXX XXXX 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 they are reporting again without my permission which is against the law. 

I have attached a screenshot from Publication 4681 ( XXXX  ) from the IRS, as well as, the associated XXXX XXXX XXXX account that is inaccurately reported on my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 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: DISCOVER BANK
State: FL

Complaint narrative:
Discover Card responded with a combative answer and decided to keep sending incorrect information to the credit bureaus. So since Discover claims that I owe them money I want to see my signature on a document from them that I took out a credit card with them. I want this negative report removed from my credit report and that Discover STOP report incorrect information to the credit bureaus. Discover can not sue me for money that I do not owe them so they are being nasty and trying to ruin my credit. Stop reporting incorrect information on my credit report or send me a signed document that I agreed to borrow money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: FL

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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXXXXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX : # XXXX, XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) : XXXX XXXX, XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) : XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) : # XXXX, XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) : # XXXX, XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) : # XXXX, XXXX XXXX XXXX ( Original Creditor XXXX XXXX ) : # XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) : # XXXX, XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, date of last reported and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 2024-01-25 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I reviewed a copy of my credit report and I noticed there were some fraudulent inquiries listed on my report. I have previously reached out to the credit bureau to rectify this affair but they have been negligent in complying with my request. I am requesting for these inquiries to be removed from my credit report : FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-01-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In XX/XX/year>, Bank of America called me informing me that the account was blocked for reasons of suspected fraud, from a client who placed an order and wire transferred {$60000.00}, invoice XXXX XXXX and we are still in contact with the client and I have all the documents of the wire transfer, but on many occasions, I have contacted Bank of America and several XXXX  but they all tell me something different but I do not have an explanation where the funds are and when they will send it to me, it is a total of {$240000.00} my company has received XXXX  and XXXX  payments of less and more amounts for more than XXXX XXXX. I need an explanation and the funds as soon as possible since it is due to the capital of a small company that has XXXX  expenses.

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 monetary relief
Consumer complaint received 2024-01-24 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: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
XX/XX/2022 Credit Card with XXXX XXXX 's was paid to a XXXX balance and account was closed by the order of the owner. While I was in debt consolidation XXXX XXXX XXXX XXXX XXXX agree with XXXX XXXX debt consolidation company to take payments on credit card that was already paid and closed with a XXXX balance. I tried to contact XXXX XXXX in regards to matter, they never would give me an answer. In retaliation for finding their fault, XXXX XXXX 's now are reporting late payments on my credit report. When I spoke with XXXX ( agent ) from XXXX XXXX call reference # XXXX he agreed that the credit card was totally paid off with a XXXX balance/and closed. XXXX could not confirm why XXXX XXXX would cut a deal with XXXX XXXX to consolidate the debt.

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 2024-01-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally dispute the presence of these unauthorized hard inquiries on my credit report, as indicated in the report recently provided by your agency.

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 2024-01-24 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: FL

Complaint narrative:
XXXX XXXX responded with a combative answer and decided to keep sending incorrect information to the credit bureaus. So since XXXX claims that I owe them money I want to see my signature on a document from them that I took out a credit card with them. I want this negative report removed from my credit report and that XXXX STOP report incorrect information to the credit bureaus. XXXX can not sue me for money that I do not owe them so they are being nasty and trying to ruin my credit. Stop reporting incorrect information on my credit report or send me a signed document that I agreed to borrow money.

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 2024-01-24 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: FL

Complaint narrative:
Im really disappoint in how Ive been treated on XXXX XXXX XXXX/experian end throughout this process and this is affecting me and my familys life drastically I reached out on XX/XX/2024 CFPB complaint ID XXXX regarding a original contract for this debt signed by all parties and still havent received it you stated you put the account on hold until it is verified and it is still showing on my credit profile this is in clear violation under The Fair Credit Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ) According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and i ) promptly notify the furnisher of that information that the information has been modified ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 
and XXXX XXXX XXXX has done nothing righteous this is unfair and if they are doing this to me imagine who else they are doing this too.Can you please fix it.

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