vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-09 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: PA

Complaint narrative:
I, 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 2024-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: IN

Complaint narrative:
I was notified by a company, name attached below that I owed over {$4000.00} in debt to XXXX. I have never purchased anything from XXXX, nor would I ever purchase or take out a debt in that amount with a company I do not know. 
I received a letter in the fall of XXXX, and thought that it was a fraudulent attempt to collect a debt. I was afraid to call and give my information to this company, because I was afraid of further theft on my account, or in my name. I threw the letter away because honestly, I thought it was someone who was trying to impersonate accompany and collect money that I did not spend or use in any type of loan or to purchase any type of item from XXXX. 
I do not know who these people are, that represent XXXX, and what the debt is for because the letter from them never stated it. as you will see the attached document, it says that it was opened in XX/XX/, and they reported me to the credit bureau for not paying it. Which makes absolutely no sense. I will be filing a police report this week as well.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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: Early Warning Services, LLC
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( XXXX XXXX  # XXXX ) has violated my rights. 
1

5 US C 1681 Section 602 A states I have a right to privacy.

15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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:
I received a copy of my credit report and I am disputing items that need to be deleted. According to the Fair Credit Reporting Act these disputed items must be reinvestigated or deleted from my credit record within 30 days. In your investigation results please provide the names, addresses, and the telephone numbers of individuals you contacted during your investigation During the investigation period these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. Below are listed the account, account number and the opening date. 

XXXX XXXX XXXX - XX/XX/2023 - 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 2024-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My phone was stolen and the thieves were able to log onto my online bank account using the Capital One app and do a XXXX transfer clearing out all the funds in my account ( {$1000.00} ). 

I reported to the police and to the bank. 6 days later I was denied access to my account. Called bank they said after an internal review they were closing my account. 

All of my transactions ingoing and outgoing are connected to that account so its a nightmare to change everything. I was able to withdraw my money at a branch but they can't give me access to online statements and transactions etc and that I will need for filing taxes, and they refused to give a reason for why they are closing account just kept repeating it was 'an internal review '. 

Also They never refunded the {$1000.00} and said it is still under investigation, I provided them with police report numbers etc, the detective squad are investigating the case so hopefully the bank gives them the information of the account the thieves done the XXXX transfer to.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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: NJ

Complaint narrative:
I always pay on time and never missed a payment.

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 2024-01-09 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: SC

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX : Account No. is XXXX ( {$5000.00} ) 1681i. Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer.

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 2024-01-09 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: IL

Complaint narrative:
This is about 2 different accounts XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did a online request to opt out of both of the above accounts According to 15 usc 6801 thru 6805 The privacy act of 1974 16 cfr 313 7 ( f ) The very next day experian sent me a message saying the dispute was complete but they did not remove the two accounts from the credit report which is unlawful. They never made me aware that I could opt out at any time and when I tried to call experian about it either they are not taking consumer calls or the have block per my account information the option via the automated system to have a option to speak to a live person in other words there automated system won't give a option to speak to some live

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 2024-01-09 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: Early Warning Services, LLC
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX XXXX ) has violated my rights. 
15 US C 1681 Section 602 A states I have a right to privacy.

15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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:
I, 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 2024-01-09 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: Early Warning Services, LLC
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( XXXX  XXXX XXXX Acct # XXXX ) has violated my rights. 
15 US C 1681 Section 602 A states I have a right to privacy.

15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-01-09 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: PA

Complaint narrative:
I, XXXX XXXX have noticed inaccuracies on my credit report such as late payments. I am writing this letter to have my credit report updated to be current and up to date. First, according to the F.C.R.A Section 604 ( A ) ( 3 ) 15 U.S Code 1681 ( b ) Permissible purpose states that I have the right to privacy and that my information can not be shared without my written consent! Second, Section 607 ( A ) 15 U.S Code 1681 ( e ) Compliance and Procedures states my report must be 100 % accurate at all times and these late payments are not accurate! Nor did I authorize these late payments to show on my report. Third, according to the Truth and Lending Act Section 15 U.S Code 1666 ( b ) corrections of billing errors the CRA must correct any billing errors made on the consumer 's credit report with a written statement of what accounts need to be updated and corrected. I have already sent a letter 30 DAYS AGO AND YOU ARE NOW IN VIOLATION OF MY CONSUMER RIGHTS! 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. These accounts must be updated AS SOON AS POSSIBLE to avoid any VIOLATIONS FEES.

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 2024-01-09 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: GA

Complaint narrative:
I obtained an XXXX account to monitor my credit report. After evaluating my report I noticed that I have hard inquiries on my report pertaining to XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, and XXXX on XX/XX/XXXX. After no resolution, I am filing this complaint.

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 2024-01-09 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: GA

Complaint narrative:
I obtained an XXXX  account to monitor my credit report. After evaluating my report I noticed that I have hard inquiries on my report pertaining to XXXX XXXX  on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, and XXXX on XX/XX/XXXX. After no resolution, I am filing this complaint.

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 2024-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Case number at capital one XXXX I have paid a contractor named XXXX XXXX over XXXX dollars to remodel my bathrooms and replace the pipes and update the plumbing. I paid with my credit card capital one Visa card. I disputed XXXX dollars ot of the total amount I paid for work NOT done in the third bathroom and for the PIPES AND PLUMBING THAT WERE NOT REPLACED AND NEVER DONE .I contacted the XXXXXXXX XXXX several times but they always refused to come back and finish the job we agreed on and I paid for. Capital one ruled in favor of the contractor and charged me again for the XXXX dollars. They charged back the credit they gave me for no legitimate reason because I disputed XXXX dollars for work NOT DONE on the third bathroom and for not replacing the plumbing and pipes. All the other work the merchant is showing in pictures was paid for since I paid them XXXX dollars. I am only disputing the XXXX dollars for work NOT DONE AND PLUMBING NOT DONE. I am requesting higher management at capital one cards to be involved and I am requesting capital one to refund me the XXXX dollars since the work for that amount of money was never done. Capital one needs to investigate thoroughly and rule in my favor and refund me the money The case number at capital one is. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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: FIRST ADVANTAGE CORPORATION
State: CA

Complaint narrative:
XXXX is obligated by FCRA to report accurate accounting consumer has advised ALL the inqueries reported was fraud said companyhad 4 days accoeding to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting XXXX has 15 days to provide me with the name of the person ( s ) spoken to, documentation used, signed application with consumer wett ink signature. Consumer is NOTasking for an XXXX XXXX REPORT. If XXXX does not have documentationto show these were in fact authorized it must but be removed and deleted ASAP. XXXX company is liable under SEC to follow certain rules. XXXX XXXX File number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Securities XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I will be filling out Treasury  Form XXXX and IRS form XXXX XXXX forms to audit consumers account. 
XXXX is Securitizing consumers data, but yet refuse to provide consumer a copy of their CONSUMER FILE, not CONSUMER REPORT. 


EXHIBIT 32.2 CERTIFICATION PURSUANT TO 18 U. S. C. SECTION 1350, AS ADOPTED PURSUANT TO SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002 In connection with the Quarterly Report XXXX XXXX XXXX XXXX XXXX Company ) on Form XXXX for the period ended XX/XX/XXXX, as filed with the Securities and Exchange Commission on the date hereof ( the Report ), I, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX of the Company, certify, pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, that to my knowledge : ( 1 ) The Report fully complies with the requirements of Section 13 ( a ) or 15 ( d ) of the Securities Exchange Act of 1934 ; and ( 2 ) The information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Company. 
Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXX. 
XXXX Vice XXXX, Chief XXXX Of XXXX and Chief Operations

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Early Warning Services, LLC
State: AL

Complaint narrative:
I am filing this complaint against Early Warning Services ( EWS ) for violating the Fair Credit Reporting Act ( FCRA ) by furnishing unverifiable information on my consumer report. This inaccurate information is causing me significant harm and impacting my ability to obtain a checking/ savings account at any bank On XX/XX/2023, I submitted a dispute to EWS regarding the following inaccurate information appearing on my credit report : XXXX  XXXX XXXX ID : XXXX Regions Bank Case ID : XXXX I provided EWS with supporting documentation demonstrating the inaccuracy of this information. Despite this, EWS claimed to have conducted a reinvestigation but subsequently stated that they lacked access to the account documentation necessary to verify the disputed information.

Violation of the FCRA EWS 's actions violate the following provisions of the FCRA : Section 623 ( a ) ( 5 ) : ** Prohibits CRAs from furnishing information they " know or have reasonable cause to believe is inaccurate. '' EWS 's claim of lacking access to the information constitutes " reasonable cause to believe '' in its inaccuracy.

Section 611 ( a ) ( 5 ) : ** Requires CRAs to delete inaccurate information from consumer reports upon receiving a dispute if they can not verify its accuracy within a reasonable period. EWS has failed to remove the disputed information despite lacking access to necessary verification documents.

Harm and Damages This inaccurate information has caused me significant harm, including obtaining a bank account. These consequences have resulted in emotional distress and reputational damage.

Company response to consumer: Closed with explanation