vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-26 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: American Credit Acceptance, LLC
State: TN

Complaint narrative:
The Fair Credit Reporting Act, denoted as 15 USC 1681, section 602a, emphasizes the importance of consumer reporting agencies like XXXX and XXXX to act with equity, impartiality, and a regard for a consumer 's right to confidentiality. 

Being the consumer, I assert my right, as recognized by 15 USC 6801, to keep my personal details confidential. This legislation specifies that financial institutions should actively and consistently uphold their clients ' privacy and safeguard their confidential, non-public information.

When referring to entities providing data to credit reporting firms, they're understood as financial institutions by this act 's definition. As stipulated in 15 USC 1681, section 604a section 2, a consumer report can only be provided under specific conditions, including having the explicit written agreement of the concerned consumer. I haven't granted such permission to the financial data provider or the reporting agencies XXXX, XXXX and XXXX. All forms of consent given to these parties, whether explicit, assumed, or otherwise, are now nullified. 

Furthermore, 15 USC 6802 ( b ) ( c ) mandates that financial institutions can not share private data with third parties without explaining to the consumer how they can prohibit such sharing. I wasn't apprised of this right. Moreover, 15 USC 1681C ( a ) ( 5 ) states that reporting agencies can not include certain adverse details, with certain exceptions, if they're older than seven years. The agencies are including such details without my authorization, which is a legal violation.

In addition, as per 15 U.S. Code 1681s2 ( A ) ( 1 ) A, institutions shouldn't provide potentially erroneous consumer-related data to reporting agencies. And, 15 U.S. Code 1681e insists that these agencies implement appropriate measures to avert infractions of section 1681c and to restrict their report provisions as detailed in section 1681b. I believe XXXX, XXXX and XXXX aren't adhering to these guidelines. 

Lastly, according to 12 CFR 1016.7, consumers can opt out whenever they choose. Hence, I'm deciding to discontinue your reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 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: Kikoff Inc.
State: TN

Complaint narrative:
The Fair Credit Reporting Act, denoted as 15 USC 1681, section 602a, emphasizes the importance of consumer reporting agencies like XXXX and XXXX to act with equity, impartiality, and a regard for a consumer 's right to confidentiality. 

Being the consumer, I assert my right, as recognized by 15 USC 6801, to keep my personal details confidential. This legislation specifies that financial institutions should actively and consistently uphold their clients ' privacy and safeguard their confidential, non-public information. 

When referring to entities providing data to credit reporting firms, they're understood as financial institutions by this act 's definition. As stipulated in 15 USC 1681, section 604a section 2, a consumer report can only be provided under specific conditions, including having the explicit written agreement of the concerned consumer. I haven't granted such permission to the financial data provider or the reporting agencies XXXX, XXXX and XXXX. All forms of consent given to these parties, whether explicit, assumed, or otherwise, are now nullified. 

Furthermore, 15 USC 6802 ( b ) ( c ) mandates that financial institutions can not share private data with third parties without explaining to the consumer how they can prohibit such sharing. I wasn't apprised of this right. Moreover, 15 USC 1681C ( a ) ( 5 ) states that reporting agencies can not include certain adverse details, with certain exceptions, if they're older than seven years. The agencies are including such details without my authorization, which is a legal violation.

In addition, as per 15 U.S. Code 1681s2 ( A ) ( 1 ) A, institutions shouldn't provide potentially erroneous consumer-related data to reporting agencies. And, 15 U.S. Code 1681e insists that these agencies implement appropriate measures to avert infractions of section 1681c and to restrict their report provisions as detailed in section 1681b. I believe XXXX, XXXX and XXXX aren't adhering to these guidelines. 

Lastly, according to 12 CFR 1016.7, consumers can opt out whenever they choose. Hence, I'm deciding to discontinue your reporting services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 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: CA

Complaint narrative:
my credit report is affected by these accounts i never opened. I feel that I am being ignored about this matter. This reporting errors has caused me a lot of stress because my credit has been affected by this for some time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 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: MD

Complaint narrative:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX 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 2023-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to convey my profound DISSATISFACTION with your recent assertions concerning my accounts. I am REJECTING these claims due to the absence of any substantive facts or evidence supporting your allegations. Therefore, I strongly encourage you to promptly initiate a comprehensive inquiry into these matters. I demand that you expeditiously challenge these accounts and furnish me with well-documented evidence substantiating your stance. Failing to do so will leave me with no alternative but to pursue legal action to safeguard my rights and rectify this matter. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26 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: CA

Complaint narrative:
Your recent claims have cast a significant cloud over my financial standing and have the potential to cause significant damage to my creditworthiness. I want to express my dissatisfaction with the recent assertions you've made regarding my accounts. I firmly reject these claims because they lack substantial material facts or evidence to support your contentions. I would also like to emphasize my strong objection to your decision to reject my identity theft claim. The determination of whether I have been a victim of identity theft should be made through established legal processes, not by your organization. Your authority or legal standing does not grant you the right to make such a determination on my behalf. Please delete this account : 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 2023-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing this letter to express my extreme frustration and disappointment with the slow response to my identity theft dispute that I initially submitted to your bureau. On XX/XX/2023, I first contacted your bureau to report suspected identity theft and requested an investigation into the unauthorized accounts and transactions appearing on my credit report. I provided all the necessary documentation, including the FTC report, to support my claim and establish my innocence in this matter. To my dismay, it has been 8 ( eight ) months since I initially filed my dispute, and I have yet to receive any resolution or updates regarding the progress of the investigation. Please delete this account : 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 2023-09-26 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: GA

Complaint narrative:
I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 

XXXX XXXX XXXX XXXX XXXX  : {$220.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$120.00} ; XXXXXXXX XXXX XXXX XXXX XXXX {$290.00} ; XXXX XXXX XXXX XXXX XXXX  : {$2900.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  {$10000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I would like to inform you that there are instances of identity theft on my consumer report, consisting of accounts that are not mine. I have made several efforts to resolve this problem by reaching out to Transunion, but unfortunately, no resolution has been provided. As a victim of identity theft, I have sought legal help to eliminate the fraudulent accounts from my consumer file. While XXXX and XXXX have successfully taken action to remove these fraudulent accounts, I have encountered difficulties with Transunion, as they have been uncooperative and slow in addressing the 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 2023-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: MO

Complaint narrative:
Discover is reporting a balance on my account when the information is inaccurate. I received a 1099c for the balance and would like for my account to reflect accurately according to the FCRA and FCDPA. Please update my account to XXXX based upon what was reported to the IRS. Please update my records accordingly. The information is on the copy of the 1099c.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 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: NE

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 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: Self Financial Inc.
State: TN

Complaint narrative:
The Fair Credit Reporting Act, denoted as 15 USC 1681, section 602a, emphasizes the importance of consumer reporting agencies like XXXX and XXXX to act with equity, impartiality, and a regard for a consumer 's right to confidentiality. 

Being the consumer, I assert my right, as recognized by 15 USC 6801, to keep my personal details confidential. This legislation specifies that financial institutions should actively and consistently uphold their clients ' privacy and safeguard their confidential, non-public information.

When referring to entities providing data to credit reporting firms, they're understood as financial institutions by this act 's definition. As stipulated in 15 USC 1681, section 604a section 2, a consumer report can only be provided under specific conditions, including having the explicit written agreement of the concerned consumer. I haven't granted such permission to the financial data provider or the reporting agencies XXXX, XXXX and XXXX. All forms of consent given to these parties, whether explicit, assumed, or otherwise, are now nullified. 

Furthermore, 15 USC 6802 ( b ) ( c ) mandates that financial institutions can not share private data with third parties without explaining to the consumer how they can prohibit such sharing. I wasn't apprised of this right. Moreover, 15 USC 1681C ( a ) ( 5 ) states that reporting agencies can not include certain adverse details, with certain exceptions, if they're older than seven years. The agencies are including such details without my authorization, which is a legal violation.

In addition, as per 15 U.S. Code 1681s2 ( A ) ( 1 ) A, institutions shouldn't provide potentially erroneous consumer-related data to reporting agencies. And, 15 U.S. Code 1681e insists that these agencies implement appropriate measures to avert infractions of section 1681c and to restrict their report provisions as detailed in section 1681b. I believe XXXX, XXXX and XXXX aren't adhering to these guidelines. 

Lastly, according to 12 CFR 1016.7, consumers can opt out whenever they choose. Hence, I'm deciding to discontinue your reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXX was reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 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: SC

Complaint narrative:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices 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 non-monetary relief
Consumer complaint received 2023-09-26 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: SC

Complaint narrative:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX, XXXXXXXX XXXX  ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$970.00} ; XXXX XXXX XXXX  Balance : {$5000.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX  Balance : {$560.00} ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  ; XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXXXXXX XXXX Inquiry XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXXXXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX ; XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : 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 2023-09-26 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: GA

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXXXXXX XXXXXXXX XXXX Balance : {$970.00} ; XXXX XXXX XXXX Balance : {$5000.00} ; XXXXXXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX  Balance : {$560.00} ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXXXXXX XXXX Inquiry XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX  ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXXXXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 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: HI

Complaint narrative:
My credit report is showing late payments to XXXX - XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX - XXXX XXXX customer service representative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have reviewed a recent credit report snd someone has fraudulently been using my information to try and gain credit due to this I now have many inquires that were not submitted by me these Unauthorized inquiries are jeopardizing my credit score the following are reporting on transunion credit report they are named followed with date : XXXX. XXXX auto fin XX/XX/23. XXXX. XXXX auto finance XX/XX/23. XXXX. XXXX XXXX XXXX XXXX XX/XX/23 XXXX. XXXX XXXX XXXX XX/XX/23 XXXX XXXX. XXXX XXXX XX/XX/23

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 2023-09-26 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: CA

Complaint narrative:
My credit report is showing late payments to XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditors customer service representative.

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 2023-09-26 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
XX/XX/2023 XXXX of th XXXX dealership did not authorize for credit to be ran unauthorized credit inquiries

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