vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-02 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: NC

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 Account XXXX XXXX, XXXX. XXXX XXXXXXXX XXXX XXXX Account # XXXX. 
XXXX. XXXX XXXX XXXX Account # XXXX. 
XXXX. XXXX Account XXXX XXXX. 
XXXX. XXXX XXXX XXXX XXXX # XXXX. 
XXXX. XXXX Account # XXXX. 
XXXX. XXXX XXXXXXXX Account # XXXX. 
XXXX. XXXX XXXX XXXX XXXX Account # XXXX. 
XXXX. XXXX XXXX Account # XXXX has violated my rights. 
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 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 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 to a 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 2024-10-02 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:
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 Account XXXX XXXX, XXXX. XXXX XXXXXXXX XXXX XXXX Account # XXXX. 
XXXX. XXXX XXXX XXXX Account # XXXX. 
XXXX. XXXX Account XXXX XXXX. 
XXXX. XXXX XXXX XXXX XXXX # XXXX. 
XXXX. XXXX Account # XXXX. 
XXXX. XXXX  XXXX Account # XXXX. 
XXXX. XXXX XXXX XXXX XXXX Account # XXXX. 
XXXX. XXXX XXXX Account # XXXX has violated my rights. 
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 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 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 to a 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 2024-10-02 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: State Collection Service, Inc.
State: MO

Complaint narrative:
I was called by XXXX XXXX XXXX on XX/XX/year> at roughly XXXX regarding a medical debt. I asked the person that called to identify themselves, and they refused to, only stating their name was XXXX. When I asked again for them to indentify what company they were from, they threatened to put me down as " not taking care of my debt '', and started to try to end the call. He threatened me for requesting more information about who he was, why he was calling, and what company he was with.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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: PA

Complaint narrative:
I contacted XXXX, transunion and XXXX about removing inaccurent information from my credit report and i have not recieved any responces back.

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 2024-10-02 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:
My accounts with XXXXXXXX XXXX XXXX and XXXX XXXX XXXX were never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 XXXX, XXXX, XXXX, AND XXXX 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. 

XXXXXXXX XXXX XXXX and XXXX XXXX XXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be 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 2024-10-02 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:
I was taken aback this morning when I saw inaccurate accounts on my credit report. I dont understand why this is happening since Ive been checking my report regularly without issues until now. I tried refreshing my browser, hoping it was just a glitch, but nothing changed. These incorrect accounts are still there, and Im requesting that my documents be thoroughly checked to resolve this.

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 2024-10-02 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-10-02 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 2024-10-02 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:
Please delete the following inquires : XXXXXXXX XXXX XXXX XXXX  ) and XXXX ) I signed up for alerts with Transunion and was immediately notified. Please delete as they were not performed by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I recently discovered these XXXX parked debts account ( which show no account numbers ) on XXXX, XXXX and XXXX stating that they are with Portfolio with XXXX as an Original Creditor. NOTE This is your only opportunity to have that information removed and blocked. I was not previously given an opportunity to dispute these alleged debts. However I do know that failure to dispute does not constitute a admission of liability by me according to the law which you have violated by putting these alleged debt on my credit profile and i feel like im being extorted into paying something. I believe these accounts to be inaccurate and falsified. These must be unauthorized charges using my social and you are posting this stuff on my credit profile. I have no intention on paying these alleged debts that have not been verified with me that they are my responsibility. Under XXXX you are supposed to have my consent to share my private financial information with XXXX parties and I DO NOT CONSENT TO THIS by your company. I am not aware that i have any contracts with you. This is considered unauthorized use of credit which i received no benefit from. This is also a direct violation of TILA / FDCPA and is considered harassment and furnishing false and misleading information to XXXX parties AND its being done without my consent to do so. Please do understand that this is a refusal to pay and a cease and desist of collection notice for any efforts thru any medium including credit reporting and unfounded litigation, unless you can provide ALL of the following items so that i may verify responsibility of these debts. XXXX. Please provide the XXXX form that was used to verify authorization to open an account by PORTFOLIO AND the original creditor XXXX. Please provide all correspondence records for the accounts. XXXX. Please provide the applications with the original creditor that verifies these accounts as belonging to me. XXXX. Please provide any other documents provided by the original creditor that verifies the accounts belongs to me. XXXX. Please provide verification of whether or not these accounts were assigned or purchased by your company. XXXX. Provide the Regulation F Disclosures. XXXX. Provide the XXXX XXXX for these accounts so that I XXXX verify the creditor/credits/debtor/debts on the account. I need all of the above in order to do my due diligence on these matters. Please do note that i am prepared to take this to court if you continue to violate me under TILA and FDCPA and your company already has been in trouble for these violations and unfair practices multiple times with CFPB and FTC. Please note that given the urgency of this matter due to your pending suit that i was notified of, I expect response in a reasonable time frame which would be XXXX business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 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: NY

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries 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 explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
In the month of XX/XX/XXXX, I received a letter from XXXX XXXX that the account was being transferred ( assigned ) to XXXX XXXX XXXX for collections. Reflected on my Credit Report this account was shown to be charged off. This same month I received a letter from XXXX XXXX XXXX stating they are a debt collector attempting to collect a debt. On this letter bound on legal paper in the form of a contract had a remittance coupon on the bottom requesting payment. XXXX XXXX XXXX XXXX # XXXX principal address is in XXXX, their business is purchasing and collecting of consumer debts. I responded to their letter with a notice of dispute requesting validation and verification of this purported debt. The first letter was sent the XXXX of XX/XX/XXXX, and the second letter on the XXXX of XX/XX/XXXX. I Also observed that my credit report did not reflect dispute status. I received a letter which stated, As requested, we are sending copies of statements and other relevant documentation to serve as a validation of debt. This letter lacked verification and did not provide information in full of the original creditor. Provided to me was a thick packet of statements with no relevancy to what was requested. On XXXX XX/XX/XXXX my father-in-law was served a summons. Unable to afford counsel I had to deal with this matter which caused further instability to my household. I began to further research and found that this law-firm was a debt-buyer and that they were assigned this debt. An assignment is a transfer of all interests and rights to the thing assigned. These terms are declared on the letters sent by XXXX XXXX. Unfortunately, in the XXXX of XXXX  law firms engaging in debt collection do not need a license to collect on consumer debts and can move swiftly to file suit on consumers who have no knowledge of this system. In the XXXX of XXXX, XXXX Firms ( debt XXXX ) are not regulated. This would be my XXXX time encountering an abusive, deceptive and unfair law firm ( debt collector ). XXXX law firm went straight to litigations, and did not send a notice that they were attempting to collect, depriving my right to dispute. A complaint was made on that law firm but did not go anywhere with XXXX  and on this platform. A complaint was filed through XXXX  Attorney XXXX office which advised to make a complaint to the XXXX  XXXX XXXX, also yielding negative results. Both cases are still pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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: NY

Complaint narrative:
I was completely taken aback this morning when I saw inaccurate accounts on my credit report, and I have no idea how they got there. I checked it as usual, but this time, there were unexpected discrepancies. I thought it was a glitch and refreshed my browser, but the wrong information didnt go away. Now, Im left hoping the documents Ive sent will be reviewed carefully so I dont have to deal with this XXXX  again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 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: MS

Complaint narrative:
I have no affiliation with these creditors and did not initiate these inquiries. Kindly proceed to promptly remove them 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 explanation
Consumer complaint received 2024-10-02 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: MD

Complaint narrative:
My personal credit reports are being impacted due to the following accounts being improperly reported in my private reports without my consent. I have sent letters to the bureaus/reporting agency with no response. These accounts are negatively affecting my ability to be a free consumer and apply for credit on my personal behalf. 

Account : XXXX, Account # XXXX, Amount : {$XXXX} Account : XXXX, Account # XXXX, Amount : {$XXXX} Account : XXXX, Account # XXXX, Amount : {$XXXX} Account : XXXXT, Account # XXXX, Amount : {$XXXX} Account : XXXX  XXXX XXXX, Account XXXX XXXX, Amount : {$XXXX} Account : XXXX, Account # XXXX, Amount : {$XXXX} Account : XXXX Account # XXXX, Amount : {$XXXX} Account : XXXX XXXX, Account # XXXX, Amount : {$XXXX} Account : XXXX XXXX, Account # XXXX XXXX Amount ; {$XXXX} Account : XXXX, Account # XXXX, Amount : {$XXXX} Account : XXXX, Account # XXXX, Amount : {$XXXX} Account : XXXX, Account # XXXX, Amount : {$XXXX} Account : XXXX, Account # XXXX, Amount : {$XXXX} Account : XXXX, Account # XXXX, Amount : {$XXXX} Account : XXXX XXXX, Account # XXXX, Amount : {$XXXX} Account : XXXX XXXX, Account # XXXX, Amount : {$XXXX} Account : XXXX, Account # XXXX, Amount : {$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 non-monetary relief
Consumer complaint received 2024-10-02 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: TX

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-10-02 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: CA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), 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 or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate 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 or reseller. 

Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : 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 non-monetary relief