vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Per the Fair Credit Reporting Act 15 U.S. Code 1692 - Congressional findings and declaration of purpose including ( a ) Abusive practices- There is abundant evidence of many debt collectors using abusive, deceptive, and unfair debt collection practices. Abusive debt collection practices contribute to the number of personal bankruptcies, marital instability, the loss of jobs, and invasions of individual privacy.

After reviewing my credit reports I noticed that You, EXPERIAN, are alleging that the following account IS negative and claim to be the ORIGINAL CREDITOR without furnishing any proof of verification of this debt, violating 15 U.S. Code 1692g or that you followed all laws and regulations to report therefore you must remove ALL adverse remarks for the following account : Account Name : XXXX XXXX XXXX Open Date : XX/XX/year> BAL : {$3700.00} As you know, it is against the law to report inaccurate information. This is a deprivation of my rights and a violation of my privacy. The credit reporting agency knowingly contributed to wrongful activity by acting on 15 U.S. Code 1692f - engaging in unfair practices. I demand that you provide concrete evidence of my obligation to said accounts. This is a violation of 15 U.S. Code 1692g, and 15 U.S. Code 1692f to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for $ 1k per violation, for unauthorized and/or fraudulent credit reporting listed without my expressed written consent.

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 2024-11-14 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: Early Warning Services, LLC
State: CA

Complaint narrative:
After reviewing my Early Warning report I noticed negative reporting on several different banks I'm not familiar with. I sent a dispute letter to Early Warnings for validation of the negative accounts being reported. In response they sent a letter indicating the accounts were accurate and complete and verified. However, I did not receive any of the documents, I requested to verify and validate the debt and or negative accounts belong to me. 

XXXX Account # : XXXX, XXXX, XXXX According to the FCRA laws : 2. Right to Dispute Inaccuracies Section 611 : Consumers have the right to dispute any inaccurate or incomplete information on their consumer report. Reporting agencies must investigate disputes, usually within 30 days.

3. Notification of Dispute Results Section 611 ( a ) ( 6 ) : Once a dispute is resolved, the consumer reporting agency must provide the consumer with a written response detailing the results of the investigation and any changes made to the report. 

Early Warning violated by consumer rights according to the laws listed above by not providing written response detailing the response of the investigation and providing documents used to validate the debt. Please find attached all disputes sent to EWS and their response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: AL

Complaint narrative:
In accordance with the fair credit reporting act the list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681, XXXX XXXX XX/XX/XXXX XXXX $ XXXX XXXX XX/XX/XXXX XXXX Has violated my rights. I looked at my credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. 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 whom the report relates according to 15 usc 1681 ( e ) ( b ). And according to 15 usc 1681 5 they are suppose to do this ( 5 ) treatment of inaccurate or unverifiable information ( A ) in generallf 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 promptly delete that item of information from the file of the consumer or modify that item of information as appropriate based on the results of the investigation and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer And according to 15 usc 1681s-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 2024-11-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Williams & Fudge, Inc
State: FL

Complaint narrative:
My transcript from XXXX is being withheld now that I started school in XXXX XXXX XXXX, had known nothing about a debt with XXXX supposedly until XXXX when I stop attending XXXX back in XXXX. I told them I had an emergency and had move out of state and to withdraw me from any classes going into XXXX. Never told me I owe them anything and paid for all my classes while I was there, took loans out to pay all those accounting classes, was nearly done with my XXXX. Now that I transfer to XXXX XXXX 4 years later, I have to pay all my XXXX classes again because only my XXXX  transfer. Not eligible for XXXX XXXX because I used it all at XXXX as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-11-14 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: OH

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-11-14 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: NJ

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-11-14 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: CA

Complaint narrative:
under 15 U.S. Code 1681i ( a ), I have the right to request an investigation of disputed information. I am demanding proof of the investigation that took place, including documentation of the permissible purpose for these inquiries and the name of the person or entity who authorized them. If this evidence can not be provided, the inquiries must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
The woman who called me initially stated she would call me back after speaking with their client regarding the amount they are claiming that I owed. Once she was to call me back I assured her that we would get this matter settled so that it did not get reported. Not only did I never hear back from her, they reported to the debt to the credit bureaus before giving me the opportunity to resolve the debt. In addition to that, the new representative was complete obscene and rude, and also refused to remove the collection off my report even after paid.

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 2024-11-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
On XXXX XXXX, XXXX, at approximately XXXXXXXX XXXX CDT, I called the XXXX XXXX XXXX XXXX XXXX XXXX XXXX customer service center to request a credit increase. I spoke to a female representative, on a recorded call, who I told multiple times on this recorded call that, in order to increase my credit limit, I did not and would not allow for a hard inquiry credit pull. I stated many, many times on the recorded call that I did not allow anyone reviewing my credit line increase request to pull a hard inquiry on my credit report. I was told that my request was escalated to a male manager, who had to " send an email that could take an hour for a response '' to another manager, because my credit limit request of a total credit line of {$50000.00} had to be reviewed by several people. I was then promised a call back by the male manager, and I again told the female representative -- on a recorded line -- that I did not and would not submit to a hard inquiry on my credit to review or complete my request. On XXXX XXXX, I received notice that a hard inquiry had been placed on my XXXX, XXXX and TransUnion credit files. ( See attached screen shot. ) I did not ever -- neither verbally or otherwise -- give my consent for XXXX XXXX XXXX XXXX XXXX to pull a hard credit inquiry to complete my credit limit increase request. Their agents were specifically told, numerous times and all on recorded calls, that I refused to go through with my credit line increase request if a hard inquiry was required. XXXX XXXX XXXX deliberately and intentionally made a hard inquiry on all three of my credit bureau files , and I did not ever authorize them to do so.

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 2024-11-14 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: MN

Complaint narrative:
On XXXX XXXX, XXXX, at approximately XXXX XXXX CDT, I called the XXXX XXXX XXXX XXXX XXXX credit & customer service center to request a credit increase. I spoke to a female representative, on a recorded call, who I told multiple times on this recorded call that, in order to increase my credit limit, I did not and would not allow for a hard inquiry credit pull. I stated many, many times on the recorded call that I did not allow anyone reviewing my credit line increase request to pull a hard inquiry on my credit report. I was told that my request was escalated to a male manager, who had to " send an email that could take an hour for a response '' to another manager, because my credit limit request of a total credit line of {$50000.00} had to be reviewed by several people. I was then promised a call back by the male manager, and I again told the female representative -- on a recorded line -- that I did not and would not submit to a hard inquiry on my credit to review or complete my request. On XXXX XXXX, I received notice that a hard inquiry had been placed on my Equifax, XXXX and XXXX credit files. ( See attached screen shot. ) I did not ever -- neither verbally or otherwise -- give my consent for XXXX XXXX XXXX XXXX XXXX to pull a hard credit inquiry to complete my credit limit increase request. Their agents were specifically told, numerous times and all on recorded calls, that I refused to go through with my credit line increase request if a hard inquiry was required. XXXX XXXX XXXX deliberately and intentionally made a hard inquiry on all three of my credit bureau files , and I did not ever authorize them to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: MN

Complaint narrative:
On XXXX XXXX, XXXX, at approximately XXXXXXXX XXXX CDT, I called the XXXX XXXX XXXX XXXX XXXX credit & customer service center to request a credit increase. I spoke to a female representative, on a recorded call, who I told multiple times on this recorded call that, in order to increase my credit limit, I did not and would not allow for a hard inquiry credit pull. I stated many, many times on the recorded call that I did not allow anyone reviewing my credit line increase request to pull a hard inquiry on my credit report. I was told that my request was escalated to a male manager, who had to " send an email that could take an hour for a response '' to another manager, because my credit limit request of a total credit line of {$50000.00} had to be reviewed by several people. I was then promised a call back by the male manager, and I again told the female representative -- on a recorded line -- that I did not and would not submit to a hard inquiry on my credit to review or complete my request. On XXXX XXXX, I received notice that a hard inquiry had been placed on my XXXX, Experian and XXXX credit files. ( See attached screen shot. ) I did not ever -- neither verbally or otherwise -- give my consent for XXXX XXXX XXXX XXXX XXXX to pull a hard credit inquiry to complete my credit limit increase request. Their agents were specifically told, numerous times and all on recorded calls, that I refused to go through with my credit line increase request if a hard inquiry was required. XXXX XXXX XXXX deliberately and intentionally made a hard inquiry on all three of my credit bureau files , and I did not ever authorize them to do so.

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 2024-11-14 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 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: CA

Complaint narrative:
While reviewing my credit profile I came across inquiries that are not mine.

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 2024-11-14 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:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away. Kindly remove and block them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. 

Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 

The following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX  - XXXX As required by 15 U.S.C. 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report or no longer contains any fraudulent information. 

Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children. These late payments were eliminated and not verified by others bureaus. I dont understand how they usually say that these accounts are mine. 

I have requested contracts from this company with my information and for more than 60 days have not received any response from them. Please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation. 

Thank you.

Company response to consumer: Closed with explanation