vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I, XXXX XXXX, am addressing a series of violations of the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws concerning inaccuracies and misconduct regarding my credit report. Specifically, I discovered that multiple entries on my report were either inaccurate, unverified, or unauthorized, and these issues have caused me significant distress. 

The violations include : FCRA Section 616 - Civil Liability for Willful Noncompliance : Credit information about me was accepted without verifying its accuracy, which is a clear instance of willful noncompliance.

FCRA Section 603 ( d ) ( 2 ) ( A ) : I was not informed about my right to opt out of sharing my personal information, which is deceptive.

FCRA Section 623 ( a ) ( 3 ) : Inaccurate inquiries and accounts were furnished without proper validation.

Violation of the Debt Collection Practices Act : I was subjected to harassment and unfair practices due to the reporting of unverified debts.

Violation of Location Information Regulations : Debt collectors improperly shared my information with third-party agencies.

Reporting Late Payments : Late payments were inaccurately reported without proper definitions.

Finance Charge Determination : Finance charges were miscalculated, which is the reporting agency 's responsibility.

Permissible Purposes of Reporting : Information was reported on my credit report without obtaining my written consent.

I have requested specific actions to correct these errors, including updating accounts to reflect accurate payment statuses, validating debts, and removing unauthorized entries. I have cited several legal provisions, including 15 U.S. Code 1681e ( b ), 1681i, and 1692g, as grounds for these corrections. Additionally, I have referenced case law, such as XXXXXXXX XXXX XXXXXXXX XXXX XXXX, to underline the seriousness of willful noncompliance. 

My expectations are clear : I demand immediate corrections, validation of all disputed debts, and the removal of unauthorized or inaccurate entries. If these issues are not resolved promptly, I will have no choice but to pursue legal remedies as provided by the FCRA and other applicable laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My information was apart of the XXXX data breach, I checked my credit report and I am a victim of identity theft. XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX I did not authorizethese accounts and have no knowledge of these 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 non-monetary relief
Consumer complaint received 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This inquiry is not mine, and it's clearly fraudulent. I have no knowledge of these inquiries and request immediate action to address them. Please see the attached documents for reference.

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 2024-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
CITIBANK OLD ACCOUNT # XXXX NEW COMPLAINT # XXXX This is my third complaint regarding an unresolved issue. I was notified that my account would be closed on XXXX, and all subsequent correspondence has stated that the process would take 30-60 days to complete.

It is now past the 60-day mark, and I have yet to receive the funds from my closed savings/checking account. I spoke with XXXX in the Executive Response Unit, who informed me that they need to verify the last check deposited before releasing my funds.

I already provided the employer 's name and contact number for verification but have not received any updates. I am resubmitting this information as part of my complaint and reiterating that this verification should have been completed within the promised 30-60 days. It is unacceptable to extend this process beyond the stated timeframe outlined in your terms and conditions. 

The payroll check in question was valid, and I am still employed by that company. Verifying this check and releasing my funds should not take this long. I request a clear update on the status of this matter by the end of this week. 

Employer Information XXXX XXXX XXXX XXXX : XXXX XXXX Contact 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 monetary relief
Consumer complaint received 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I looked at my credit report and notieced a Fradulent account and hard inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
In accordance with the fair credit reporting act the creditor violated my rights under 15 USC 1681 section 602. States I have the right to privacy under 1681 section 604 ( a ) section 2 states a consumer reporting agency can not furnish an account without my written instruction, under 15 USC 1666 ( b ) a creditor can not treat a payment on a credit card account under an open in consumer credit plan as late for any purpose I was also a victim of the XXXX  data breach in 2017. There is fraud on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Accounts Service Team Inc.
State: OK

Complaint narrative:
I do not know this company never agreed to pay them never authorized them to access my credit. They are reporting inaccurate information on my credit report such as payment history witch is inaccurate. It is also listed as a open account witch is inaccurate also

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of the accounting nature of the creditor on a statement. 

As I know the creditor didn't notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer 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
Consumer complaint received 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is currently reporting three fraudulent accounts that are reporting incorrect information on my credit report. Ive contacted them for information on the creditor account and they have not sent me any information or original creditor agreements about these account reporting incorrect information on my reporting incorrect information according to the Fair credit reporting act!

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 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I, XXXX XXXX, identified multiple violations of my rights under the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws, as outlined below : Acceptance of Inaccurate Credit Information ( FCRA Section 616 ) : Credit information was accepted and reported about me without verifying its accuracy, which constitutes willful noncompliance under the law and may result in civil liability of up to {$1000.00} per violation.

Failure to Disclose Opt-Out Rights ( FCRA Section 603 ( d ) ( 2 ) ( A ) ) : My right to opt out of having my personal information shared was not disclosed, violating consumer protection provisions and deceiving me about my rights.

Furnishing Inaccurate and Deceptive Information ( FCRA Section 623 ( a ) ( 3 ) ) : Inaccurate inquiries and accounts were reported without proper validation. These actions not only misrepresented my credit profile but also violated principles of transparency and accuracy.

Unfair Debt Collection Practices : Debt collectors engaged in harassment and unfair practices by reporting inaccurate debts and accounts, causing me undue distress. They also improperly disclosed information to third-party credit reporting agencies.

Reporting of Misleading Late Payments : Late payments were reported without clear definitions of what constituted a late payment, resulting in deceptive and inaccurate entries on my credit report.

Failure to Accurately Determine Finance Charges : Finance charges were inaccurately reported, which is a responsibility credit reporting agencies must fulfill.

Reporting Without My Consent ( FCRA Section 1681b ) : Certain accounts and inquiries were included in my credit report without obtaining my written consent, which violates permissible purpose regulations under the FCRA.

Demands and Required Actions : I have requested the removal of incorrect personal information, correction of falsely reported late payments, validation of debts, and deletion of unauthorized hard inquiries. Specifically, I have asked for : Deletion of incorrect addresses that do not belong to me. 
Updates to accounts with XXXX, XXXX, and others to reflect " paid as agreed, never late. '' Validation of debts associated with XXXX and XXXX, providing signed agreements or documentation as required under 15 U.S.C. 1692g. If validation can not be provided, these items must be deleted. 
Immediate removal of unauthorized and inaccurate accounts and inquiries from my credit report. 
These actions are required under the FCRA to ensure the accuracy, fairness, and privacy of my credit information. If these issues are not resolved promptly, I am prepared to pursue legal remedies, including seeking damages for willful noncompliance.

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 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
I have tried multiple times to request evidence of my signature in the loans shown on my credit report as I never applied for any and I have never gotten a copies. Instead I been harassed and called daily. I want evidence of my supposedly purchase with my signature in it.

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 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
I have tried multiple times to request evidence of my signature in the loans shown on my credit report as I never applied for any and I have never gotten a copies. Instead I been harassed and called daily. I want evidence of my supposedly purchase with my signature in it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
Reporting information that is fraudulent and without any consent n proof of knowledge identity theft

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 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all 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 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX  XXXX was added to my credit report, and I requested information on who provided them with this. I have proof that it didn't come from the bankruptcy court.

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 2024-12-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: FL

Complaint narrative:
I have been wrongfully moved into a dwelling that has mold highly present throughout the entire space. XX/XX/year> I moved into my apartment. I had many work orders that went without remediation but that is aside the point. I noticed a XXXX seeping substance coming out of my guest bathroom wall that is hardly ever used. I reported this immediately on XX/XX/year> via a work order. They painted over it and closed the work order after must pulling of teeth for urgency. They denied me after multiple work orders and emails back and forth that it was in fact not mold or mildew, the property XXXX called it dust. A hole was then cut into the ceiling exposing this mold. XXXX poured out and insulation immediately fell. I trashed everything in my bathroom and didnt stay another night there due to me being a chronic asthmatic. On XX/XX/XXXX, XXXX, & XXXX I sent letters stating my problems and calling for 7 day remediation as of XX/XX/XXXX. They hired no licensed professional as requested to XXXX this issue. I have paid rent in full and on time each and every month. I gave them a notice to vacate on XX/XX/year> in which they took no action against and started to blow me off, ignoring work orders, calls, and emails. Even stopping at the office in person no remediation was available. I spent {$410.00} to have a licensed professional perform a mold test multiple ways. It came back with a XXXX page report on all of the toxic, problematic molds that were present inside of my dwelling in the walls, vents, and airways. I then spent {$630.00} to move all of my belongings out of the dwelling. I have been to the XXXX  and have been prescribed more XXXX  and a XXXX  to help. This entire unit is completely unlivable, I had to move out for my health.

Company response to consumer: Closed with non-monetary relief