vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-19 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: DE

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

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 2024-08-19 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: DE

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

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 2024-08-19 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:
According to 15 USC 1682 c and FCRA Section 605, you have violated my rights by in lawful communications. Please remove and block these debts that don't belong to me. Documentation has been provided. Addresses : XXXX XXXX XXXX. - XXXX, TX. XXXX X Cancel, XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Inquiries : XXXX XXXX XXXX Reporting -March XXXX Acceptance - XX/XX/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  Opened by the Thief Company or Organization : XXXX Fed. XXXX XXXX XXXX fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX or Organization XXXX XXXX XXXX XXXXt Number : XXXX - Date fraud XXXX -Date that I discovered it : XX/XX/XXXX -Wrong Dates being recorded inaccurate information. - I've never been late on my Mortgage since I obtained it. I have proof of this information as well. Something needs to be corrected at this time.

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 2024-08-19 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
An unknown address continues to appear in my credit report XXXX of them, with an unknown name. Both addresss are not mines. This is identity theft of my adress, I have never lived at theses addresses. I need them removed. 

XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX New York, NY XXXX XXXX XXXX Str Bklyn, NY XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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: NY

Complaint narrative:
An unknown address continues to appear in my credit report two of them, with an unknown name. Both addresss are not mines. This is identity theft of my adress, I have never lived at theses addresses. I need them removed. 

XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Str Bklyn, NY 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 non-monetary relief
Consumer complaint received 2024-08-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I disagree with the account listed below XXXX XXXX XXXX XXXX Account number XXXX which still appears on my credit report even after your investigation. I recently reviewed my credit report and noticed inaccuracies on my account. I would like this account immediately reinvestigate for the same exact thing we discussed. This account is injurious to my credit score. In accordance to the fair credit reporting act public law.91-506. Title VI, section 611, subsection A-D. Please provide the names and business address in which you verified the account, so that I may follow up. Please send me an update copy of my credit report after the your reinvestigation.

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 2024-08-19 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: SC

Complaint narrative:
I disagree with the account listed below XXXX XXXX XXXX XXXX. Account number XXXX which still appears on my credit report even after your investigation. I recently reviewed my credit report and noticed inaccuracies on my account. I would like this account immediately reinvestigate for the same exact thing we discussed. This account is injurious to my credit score. In accordance to the fair credit reporting act public law.91-506. Title VI, section 611, subsection A-D. Please provide the names and business address in which you verified the account, so that I may follow up. Please send me an update copy of my credit report after the your reinvestigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 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: 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.

15 U.S.C 1681 SECTION 602 A, states i have the right privacy.

15 U.S.C.1681 section 604 A section 2, states a consumer reporting agency can not funish an 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 OTHERADVERSE ITEM OF INFORMATION, OTHER THAN RECORDS OF COVICTIONS AND CRIMES WHICH ANTEDATES THE REPORT BY 7 YEARS 15 U.S.C. 1681S- 2 ( A ) ( 1 ) aa 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-08-19 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: LA

Complaint narrative:
Your company is in clear violation of the law. Under 15 USC 1681b- Permissible purpose of consumer reports. The LAW CLEARLY STATES : ( A ) In general Subject to subsection ( c ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you permission to furnish this account on my credit report? Furthermore, the fair credit reporting act 15 USC 1681 ( 2 ) ( a ) ( i ) exclusion from a consumer credit report clearly states ( A ) EXCLUSIONS- Except as provided in a paragraph ( 3 ), the term consumer report does not include - ( A ) Subject to section 1681s-3 of this title, any - ( I ) Report containing information solely as to transactions or experiences between the consumer and the person making the report : Reverse the above late payments from my consumer report, this agency is in violation of 15 USC section 1681 Failure to respond satisfactory with reversing of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC S 1692g violations 4. Fair Credit Reporting Act 15 USC s1681 violation for willful noncompliance- s616 Civil liability for willful noncompliance [ 15 USC S1681n ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 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:
This is NOT a duplicate report, and this is not filed by a XXXX party or Agency, this is filed by me. In Accordance with the Fair Credit Reporting Act Convergent these accounts below have violated my rights according to : 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 an account without my written instructions. 

Account Name : XXXX Account # XXXX Account Name : XXXXXXXX XXXX XXXX Account # XXXX Account Name XXXX XXXX IN Account # XXXX Account Name : XXXX XXXX CO Account XXXX XXXX Account Name : XXXX & XXXX XXXX Account XXXX XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX XXXXXXXX Account # XXXX In addition, please provide the following : 1. Creditor Information ( Name, Address and Phone Number of Original Merchant ) 2. The Payment History and Itemized Billing Associated with Each Account 3. The Original Contract with My Signature on It 4. Proof Of Ownership ( Proof That the Company Trying to Collect This Debt Has Authorization to Do So ) If you are unable to provide these four details, please delete these accounts from my credit report. Thank you in advance.

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 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is NOT a duplicate report, and this is not filed by a 3rd party or Agency, this is filed by me. In Accordance with the Fair Credit Reporting Act XXXX  these accounts below have violated my rights according to : 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 an account without my written instructions. 

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 XXXXXXXX In addition, please provide the following : XXXX. Creditor Information ( Name, Address and Phone Number of Original Merchant ) XXXX. The Payment History and Itemized Billing Associated with Each Account 3. The Original Contract with My Signature on It 4. Proof Of Ownership ( Proof That the Company Trying to Collect This Debt Has Authorization to Do So ) If you are unable to provide these four details, please delete these accounts from my credit report. Thank you in advance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: RI

Complaint narrative:
Dear Comenity CapitalXXXX, I am writing to express my deep concern regarding an unexpected issue that came to my attention today while reviewing my credit report with my loan officer. It was brought to my notice that a 30-day late payment has been reported on my account for XX/XX/2023. This came as a complete shock to me, as I have always been diligent in making timely payments on this account. 

I am unsure how this discrepancy occurred, as I have consistently made payments promptly upon receiving my statements. It is possible that there was an issue with the delivery of my monthly statement, or perhaps the payment was not processed in a timely manner. Regardless, I can assure you that any lateness was entirely unintentional. 

Given our longstanding relationship and my history of responsible account management, I respectfully request that you remove the 30-day late payment from my credit report and refund any associated late fees. Furthermore, under the provisions of the Fair Credit Billing Act ( 15 USC 1666b ), the Fair Credit Reporting Act ( 15 USC 1681i ), and the Fair Debt Collection Practices Act ( 15 USC 1692g ), I believe this reporting to be inaccurate. Therefore, I must insist on the immediate deletion of this late payment from my credit report.

I hope we can resolve this matter swiftly and without further inconvenience to either party. I value the positive experience I have had with your company in the past and look forward to continuing our relationship on good terms.

Thank you for your attention to this matter. I appreciate your prompt assistance.

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: IL

Complaint narrative:
Ive noticed a pattern, every so often about every year or so I would receive a notification from XXXX  claiming theres a collections debt owed to XXXX, every time it showed up on my account I disputed it and XXXX took care of the issue. Although what bothers me is it keep reacurring under a different name each time, I have no idea why, I dont have any ties with this company nor have I purchased any of their services, I want it gone and off of my credit report, they're hurting my credit each time it does this which affects me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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:
My name is XXXX XXXX and this statement is being composed by me. Per the Fair Credit Reporting Act, accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B : the permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN instruction of the consumer to whom it relates. NO CONSENT IS IDENTITY THEFT! I am demanding the removal of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am demanding the removal of the following incorrect information : 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 non-monetary relief
Consumer complaint received 2024-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: WV

Complaint narrative:
I have a collection with Progressive XXXX  thru a Caine and weiner debt collection company. I have not had a vehicle since mind XXXX and started a policy on one through another insurer about XXXX XXXX months ago. 
I have a collection on my report over {$300.00} from them and it does not make sense. They also attempted to verify themselves through email and not a certified letter through the postal system. Their collection tactics included no attempt to write me whenever they bought the debt from progressive so I had no idea it would ever hit my credit reports. I am attempting to buy property and this has set me back mightily and caused financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to express my urgent concern regarding the inaccuracies on my credit report. Despite multiple attempts to address and resolve these issues, I have yet to receive any resolution or corrective action. The disputed accounts in question are seriously damaging my credit file and severely affecting my daily life. 

The inaccuracies have caused significant hardship, and I am now seeking your immediate assistance to address this matter. I request a comprehensive investigation into each disputed account and prompt action to update and correct my credit report. 

Restoring the accuracy and integrity of my credit file is crucial for my financial well-being. I appreciate your swift attention to this matter and look forward to your prompt resolution. 

Thank you for your understanding and cooperation.

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 2024-08-19 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: DE

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of 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