vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-28 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: WA

Complaint narrative:
I HAVE PREVIOUSLY DISPUTED : Bankruptcy XXXX Experian XXXX Type : XXXX  XXXX Bankruptcy XXXX XXXX Bankruptcy XXXX XXXX Bankruptcy Status : Discharged Discharged Discharged Date Filed/Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Reference # : XXXX XXXX XXXX Closing Date : XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXXt Amount : {$0.00} {$0.00} {$0.00} Court : U.S. Bankruptcy Court US BKPT CT WA XXXX XXXX XXXX : {$0.00} {$0.00} {$0.00} Exempt Amount : {$0.00} {$0.00} {$0.00} Remarks : - - Bankruptcy XXXX Experian XXXX Type : XXXX  XXXX Bankruptcy XXXX XXXX Bankruptcy Status : Discharged Discharged Date Filed/Reported : XX/XX/XXXX XX/XX/XXXX Reference # : XXXX XXXX Closing Date : XX/XX/XXXX XX/XX/XXXXXXXX XXXX Amount : {$0.00} {$0.00} Court : U.S. Bankruptcy Court US BKPT CT WA XXXX XXXX XXXX {$0.00} {$0.00} Exempt Amount : {$0.00} {$0.00} Remarks : - - ALL 3 CREDIT BUREAUS AND IN RESPONSE, YOU VERIFIED THE ITEM AS ACCURATE, STATING THAT YOU HAVE VERIFIED THE INFORMATION WITH THE COURT. 
I CONTACTED THE COURT, AND THEIR RESPONSE IS ENCLOSED : Bankruptcy filings are public records open to examination by law with few exceptions. See 11 U.S.C. 107 ( link is external ) ; Fed. R. Bankr. P. 5003 ( link is external ), 9037 ( link is external ). Bankruptcy courts are not responsible for verifying or validating information in consumers credit reports. 

Bankruptcy & Your Credit Report The Bankruptcy Court does not report or provide information to consumer reporting agencies. The Bankruptcy Court is not responsible for verifying or validating information in consumers ' credit reports. 
Information about bankruptcy case records and credit reporting is located on the U.S. Court 's website. 


IT IS CLEAR THEY DO NOT REPORT TO YOU OR ANY CREDIT BUREAU FOR THAT MATTER : THEREFORE, YOUR INITIAL RESPONSE VERIFYING THE ITEM WITH THE COURT WAS EITHER AN ERROR OR A LIE. 
EITHER WAY. THE REPORTING REQUIREMENTS DO NOT COMPLY WITH FCRA 611 ( 15 U.S.C. 16811 ), AND THE INFORMATION MUST BE DELETED IMMEDIATELY.

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 2024-02-28 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: WA

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.has violated my rights. 

XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX XXXX TransUnion XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX XXXX TransUnion XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXXXXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX  TransUnion XXXX XXXX Account # : XXXX XXXX XXXXXXXX XXXX XXXX TransUnion XXXX XXXX Account # : XXXXXXXX XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX XXXXXXXX TransUnion XXXX XXXX Account # XXXX XXXX XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXXXXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXXXXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX 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 2024-02-28 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: WA

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.has violated my rights. 

XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX XXXX XXXX XXXX Equifax Account # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Equifax Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX XXXX XXXX XXXX Equifax Account # XXXX XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX XXXX  XXXX XXXX Equifax Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Account # : XXXXXXXX XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX XXXX XXXX Equifax Account # XXXX XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX  XXXX XXXX Equifax Account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Equifax Account # XXXX XXXX XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Equifax Account # : XXXX XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to express my concern and frustration regarding your failure to comply with the law by neglecting to remove the remaining fraudulent accounts from my credit report. It is important to note that other bureaus have already completed their investigations and confirmed the absence of any fraudulent accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-02-28 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:
In accordance with the fair credit reporting Everything has to be 100 % accurate on my credit report. 

Accounts with INCORRECT information below : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Incorrect Addresses : All addresses are incorrect. The only address that is valid is XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Incorrect Inquiries : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The credit bureaus stated my account 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 is ground for immediate removal they also violated my rights under : 15 U.S.C 1681 Section 602 A states I have the right to privacy 15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 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: TX

Complaint narrative:
In accordance with the fair credit reporting Everything has to be 100 % accurate on my credit report. 

Accounts with INCORRECT information below : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Incorrect Addresses : All addresses are incorrect. The only address that is valid is XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Incorrect Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The credit bureaus stated my account 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 is ground for immediate removal they also violated my rights under : 15 U.S.C 1681 Section 602 A states I have the right to privacy 15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I mailed a letter over 1 month ago asking for these unauthorized hard inquires to be removed but never received a response.

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 2024-02-28 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: NJ

Complaint narrative:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
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 2024-02-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I recently opened a credit card through Synchrony Bank. I opted for paper statements for various reasons-one being a XXXX. I misplaced a paper statement and went online to print a new one. I was not able to. I can not even view any transactions. 
I called Synchrony Bank to request the misplaced statement and did receive it. I also stated I did not think it was legal to force me to go to electronic statements as this is Synchrony 's default. I was told by a Synchrony Bank representative that Synchrony has not violated any mandates as they did send me my requested paper statement and when I requested another one, they did provide it. 
I disagree w their reasoning & believe Synchrony IS in violation of mandated credit card practices : 1 ) Synchrony has made electronic statements their default ; 2 ) Synchrony is coercing its paper statement clients to switch to electronic statements by not allowing them to view their statements or transactions online, 3 ) Credit card recipients have a right to receive statement in a manner best for them ; 4 ) As a cardholder opting for paper statements, I am treated differently than cardholders opting for electronic statements, by not allowing me to view my statements online.. I believe this business " policy '', as they referred to this practice as, is a blatant act of discrimination.

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 2024-02-28 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: WA

Complaint narrative:
I HAVE PREVIOUSLY DISPUTED : Bankruptcy TransUnion XXXX XXXX Type : XXXX  XXXX Bankruptcy XXXX XXXX  Bankruptcy XXXX  XXXX Bankruptcy Status : Discharged Discharged Discharged Date Filed/Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Reference # : XXXX XXXX XXXX Closing Date : XX/XX/XXXX XX/XX/XXXX - Asset Amount : {$0.00} {$0.00} {$0.00} Court : U.S. Bankruptcy Court US BKPT CT WA XXXX XXXX XXXX : {$0.00} {$0.00} {$0.00} Exempt Amount : {$0.00} {$0.00} {$0.00} Remarks : - - Bankruptcy TransUnion XXXX XXXX Type : XXXX XXXX Bankruptcy XXXX XXXX Bankruptcy Status : Discharged Discharged Date Filed/Reported : XX/XX/XXXX XX/XX/XXXX Reference # : XXXX XXXX Closing Date : XX/XX/XXXX XX/XX/XXXX Asset Amount : {$0.00} {$0.00} Court : U.S. Bankruptcy Court US BKPT CT WA XXXX XXXX XXXX {$0.00} {$0.00} Exempt Amount : {$0.00} {$0.00} Remarks : - - ALL 3 CREDIT BUREAUS AND IN RESPONSE, YOU VERIFIED THE ITEM AS ACCURATE, STATING THAT YOU HAVE VERIFIED THE INFORMATION WITH THE COURT. 
I CONTACTED THE COURT, AND THEIR RESPONSE IS ENCLOSED : Bankruptcy filings are public records open to examination by law with few exceptions. See 11 U.S.C. 107 ( link is external ) ; Fed. R. Bankr. P. 5003 ( link is external ), 9037 ( link is external ). Bankruptcy courts are not responsible for verifying or validating information in consumers credit reports.

Bankruptcy & Your Credit Report The Bankruptcy Court does not report or provide information to consumer reporting agencies. The Bankruptcy Court is not responsible for verifying or validating information in consumers ' credit reports. 
Information about bankruptcy case records and credit reporting is located on the U.S. Court 's website. 


IT IS CLEAR THEY DO NOT REPORT TO YOU OR ANY CREDIT BUREAU FOR THAT MATTER : THEREFORE, YOUR INITIAL RESPONSE VERIFYING THE ITEM WITH THE COURT WAS EITHER AN ERROR OR A LIE. 
EITHER WAY. THE REPORTING REQUIREMENTS DO NOT COMPLY WITH FCRA 611 ( 15 U.S.C. 16811 ), AND THE INFORMATION MUST BE DELETED IMMEDIATELY.

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 2024-02-28 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: TN

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 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 recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: TN

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I 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 2024-02-28 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: NJ

Complaint narrative:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 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: NJ

Complaint narrative:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
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 explanation
Consumer complaint received 2024-02-28 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I have reached out to Synchrony bank in regards to many fraud accounts. They refuse to remove any of the accounts from my credit report. The information is linked to a different state I have provided documents to the company multiple times! Im not getting anywhere its so sad that this is the way situations like this are handled in our country. They have allowed for multiple charge accounts to be open in my name and fail to help me absolutely wrong!!

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 2024-02-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
Someone open and account on XX/XX/XXXX. 

Account name Jefferson Capital System Collection Amount XXXX My Identity has been stealing since XXXX I have reported this matter to the local police and I have a police report.

Company response to consumer: Closed with explanation