vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-28 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 XXXX XXXX XXXX. 
Account # XXXX Credit XXXX Account XXXX XXXX Chkg/Securus Inmate Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX report XXXX XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about who the report relates according to XXXX XXXX XXXX ( XXXX ) ( b ) And according to XXXX XXXX XXXX XXXX they are supposed to do this ( XXXX ) treatment of inaccurate or unverifiable information ( A ) in general if after any reinvestigation under paragraph ( XXXX ) 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 ( XXXX ) promptly notify the furnished of that information that the information has been modified, or deleted from the file of the consumer. And according to the XXXX XXXX XXXX XXXX they are suppose to 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 2024-08-28 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:
The new massive data breach from Experian affected me in many ways as they acknowledged.Im trying to recover and correct inaccuracies from this massive travesty.

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 2024-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
i am a victim of identity theft, someone has been using my personal information to obtain services and goods using my identity! .i have been respectfully submitting documentation repeatedly to all three credit reporting agencies and to the credit furnisher as well, and nothing has been resolved, i am respectfully requesting that all fruadulant accounts be removed from my credit reports immediately. this is a very serious and urgent matter!

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 2024-08-28 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-08-28 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:
In accordance with the fair and credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account # XXXXXXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX Account # XXXX XXXXXXXX XXXX XXXXXXXX I looked at my EQUIFAX credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) And according to 15 USC 1681i 5 they are supposed to do 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 ( ii ) promptly notify the furnished of that information that the information has been modified, or deleted from the file of the consumer. and according to 15 USC 1681 S-2 they are suppose to 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Interest month before was XXXX to current monthly XXXX. With total of XXXX. The interest rate is too high.

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 2024-08-28 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: PA

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: PA

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-08-28 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-08-28 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: PNC Bank N.A.
State: IL

Complaint narrative:
These perpetrators created fraudulent identity documents such as a fake ID and other fake documents to secure a loan in my name and make payments on the loan accounts. My identity has been stolen and compromised during the time I was XXXX XXXX XXXX XXXX  ; this is the 6th notice I have sent this company with all supporting evidence and documentation. I will be suing for assisting and adding in opening accounts and furnishing fraudulent data on my consumer credit report, this company did not take the proper steps to help protect my consumer report and properly investigate this matter.

Under the FCRA, 15 U.S. Code 1681b, consumer reporting agencies may furnish a consumer report only under specific circumstances, such as with the consumers written consent or in connection with a credit transaction initiated by the consumer. I did not provide my consent for the release or sharing of my personal information related to these accounts, nor did I initiate any credit transactions with the entities listed. 

Furthermore, 15 U.S. Code 1681c requires that consumer reporting agencies ensure the accuracy and privacy of consumer information. The unauthorized disclosure of my information not only violates this statute but also exposes me to potential identity theft and other forms of financial harm.

I request that you take the following actions : 1. **Conduct an immediate investigation** : As required by 15 U.S. Code 1681i, I request that you investigate these unauthorized entries on my credit report.

2. **Remove the disputed entries** : If the investigation finds these entries were indeed unauthorized, they must be promptly removed from my credit report. 
3. **Provide written confirmation** : Send me a written confirmation that the unauthorized entries have been removed from my credit report.

Please consider this letter as a formal complaint and take all necessary actions to resolve this matter within the 30-day timeframe stipulated by the FCRA. Failure to do so may result in further legal action to protect my rights.

Thank you for your prompt attention to this serious matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am asking for your help with this incorrect account thats showing up on my credit report. Ive brought up this issue because its damaging my reputation, and I need your help. The way my credit report was managed has put me in a tough spot, as this incorrect reporting has hurt my reputation. Please correct these mistakes so I can live with my family.

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 2024-08-28 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: MA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GREENSKY OPERATIONS, LLC
State: CA

Complaint narrative:
I purchased a XXXX XXXX from the vendor in XXXX XXXX. At their suggestion I financed the purchase with a deferred payment option loan. ( the loan was granted by GreenSky ( this company is related to XXXX Bank ). The original loan was granted XX/XX/XXXX and was due XX/XX/XXXX ) Attention information Application ID XXXX Acct # XXXX The loan was suppose to be a differed interest loan ( see enclosed general purchase document with notation ref type of loan " Deferred Interest Plan '' " Total Prom Purchase Balance {$6900.00} ) See enclosed scan document I then received a bill from GreenSky See enclosed this is an attempt to collect a debt. See enclosed scan document I immediately wrote them telling them no amount should be owed due to the type of loan received. I also told them to stop sending the notices. See enclosed scan document I the received a XXXX statement with an outstanding balance above the orginal purchase balance. See enclosed scan document

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update the inaccurate account in my report : XXXX XXXX Balance : {$440.00}

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 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX TransUnion LLC XXXX XXXX 2000 XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Credit XXXX Dear XXXX XXXX XXXX XXXX XXXX am writing to formally dispute the accuracy of information reported on my credit reports regarding an account with Driveway Financial, account number XXXXXXXXXX. According to my records, this account is currently being reported as 120 days late for the months of XXXX  and XXXX. I believe this information is inaccurate and violates several provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Under the FCRA, Section 602 ( a ) ( 1 ), consumers have the right to obtain accurate and complete information in their credit reports. The reporting of a charge-off account as 120 days late when it should not be is a direct violation of this provision. Additionally, Section 623 ( a ) ( 1 ) states that furnishers of information must not provide inaccurate information to consumer reporting agencies. As such, I request that you investigate this matter and remove or correct the inaccurate reporting. 

Furthermore, under FCRA Section 609 ( e ), I am entitled to request additional documentation supporting the accuracy of this reporting. If the creditor can not provide sufficient evidence that the account is accurately reported, I demand that this misinformation be removed from my credit report.

In addition to the FCRA, the FDCPA prohibits the furnishing of misleading information. Section 807 ( 2 ) ( A ) explicitly states that a debt collector may not indicate that a consumer owes any debt unless such a debt is made known to be owed. The reporting of this account as 120 days late may mislead potential creditors about my creditworthiness. 

I have attached supporting documents, including my credit report with the disputed account highlighted, and any relevant correspondence with the creditor. I request that you complete your investigation within the XXXX time frame mandated by the FCRA and provide me with a written response detailing the results of your investigation. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, 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 2024-08-28 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Credit Reporting Dear Credit Reporting Agencies , I am writing to formally dispute the accuracy of information reported on my credit reports regarding an account with XXXX XXXX account number XXXX According to my records, this account is currently being reported as XXXX  days late for the months of May and XXXX. I believe this information is inaccurate and violates several provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Under the FCRA, Section 602 ( a ) ( 1 ), consumers have the right to obtain accurate and complete information in their credit reports. The reporting of a charge-off account as 120 days late when it should not be is a direct violation of this provision. Additionally, Section 623 ( a ) ( 1 ) states that furnishers of information must not provide inaccurate information to consumer reporting agencies. As such, I request that you investigate this matter and remove or correct the inaccurate reporting.

Furthermore, under FCRA Section 609 ( e ), I am entitled to request additional documentation supporting the accuracy of this reporting. If the creditor can not provide sufficient evidence that the account is accurately reported, I demand that this misinformation be removed from my credit report. 

In addition to the FCRA, the FDCPA prohibits the furnishing of misleading information. Section 807 ( 2 ) ( A ) explicitly states that a debt collector may not indicate that a consumer owes any debt unless such a debt is made known to be owed. The reporting of this account as XXXX days late may mislead potential creditors about my creditworthiness.

I have attached supporting documents, including my credit report with the disputed account highlighted, and any relevant correspondence with the creditor. I request that you complete your investigation within the 30-day time frame mandated by the FCRA and provide me with a written response detailing the results of your investigation.

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: TX

Complaint narrative:
XXXX XXXX XXXX
Reported: XXXX XXXX XXXX
$XXXX XXXX XXXX XXXX XXXX
Reported: XXXX XXXX XXXX XXXX XXXX XXXX
Reported: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reported: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Balance updated -
ccount info
Account name
XXXX XXXX
Account number
XXXX
Original creditor
-
Company sold
-
Account type
Credit card
Date opened XXXX XXXX XXXX
Open/closed
Open
Status
Open/Never late.
Status updated
XXXX XXXX
Balance
-
Balance updated
- XXXX XXXX XXXX
Credit usage
-
Monthly payment
XXXX  Last Payment Date
XXXX XXXX XXXX  Highest balance
XXXX
Terms
-
Responsibility
Authorized user
Your statement



Hard Inquiries XXXX XXXX
Inquiry: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax:
XXXX XXXX******
Transunion: XXXX********
Identity Theft
close
Negative
close
Negative
delete XXXX XXXX XXXX  Equifax: XXXX***************
XXXX: XXXX***
Transunion: XXXX***
Identity Theft
close
Negative
close
Negative
close
Negative
delete
XXXX XXXX
Equifax: 409970***************
Experian:
Transunion: XXXX***********
The following account is not mine
close
Negative
close
Negative
delete XXXX XXXX XXXX
Equifax: XXXX*******
Experian: XXXX*******
Transunion: XXXX*******
Identity Theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 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: NJ

Complaint narrative:
I need your help to address the incorrect account appearing on my credit report. This has been detrimental to my reputation, and I need your intervention. The mishandling of my credit report has left me in a difficult situation, and your inaccurate reporting has caused significant harm. You must remove these errors so I can live a normal life with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: FL

Complaint narrative:
First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
Bankruptcy XXXX XXXX Reference # : 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