vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-29 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:
There have been several accounts opened since XXXX XXXX opened in my name that I did not authorize. This has been impeding me from my ultimate goal which is being able to purchase my family a home and the credit repair companies that I have tried going through only take my money and show no results therefore Im taking action on my own.

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 2024-02-29 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: GA

Complaint narrative:
Experian Credit Bureau continues to commit fraud by reporting inaccurate information on my credit report. The Fair Credit Reporting Act and the Fair Debt Collection Practices Act prohibits creditors from reporting and collecting debt that has been settled, discharged, or is no longer collectable. It stands to reason that creditors may not make credit reports or collect debt after that debt is reported on an IRS form 1099C. Per the FCRA, as a Federally protected consumer I'm now opting out of any and all authorization I the consumer may have given you written or unwritten, verbal or nonverbal per 15 U.S.C. 6802. The law says it's illegal to report transaction history on my credit report per H.R. 4120-Comprehensive Credit Act of 2021. A charge-off is considered income and income can not be reported on my credit report. According to 15 U.S.C. 6508 I have a right to opt out of the inaccurate information on my credit report. Experian Credit Bureau is in violation of 16 CFR Sec. 433.2 Preservation of consumer claims and defenses unfair or deceptive acts or practices. Experian Credit Bureau also violated the Privacy Act of 1974. The inquires on my credit report is in violation of 15 U.S.C. 1681 of the FCRA-Permissible Purposes. Also Experian Credit Bureau is in violation of the Family and Educational Privacy Act of 1974 by reporting student loan history. When I signed up for a student loan, I signed a privacy act form that said the school will not provide transaction history to any third-party companies. If my credit report isn't adjusted, I will be forced to file a lawsuit in Federal District Court.

I've talked with a representative from Experian Fraud Department multiple times, I informed the agent that my name is XXXX XXXX XXXX, and he was supposed to correct that, I also openly disputed all the items on my credit report on a recorded line, I'm pretty sure Experian Credit Bureau has this recording and can produce it if asked, I've also provided Experian Credit Bureau with an FTC Identity Theft Affidavit that clearly states I'm a victim of identity theft which employees of Experian Credit Bureau simply disregarded. The following accounts are inaccurate : XXXX XXXX Account number XXXX XXXX XXXX Account info Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX  Account number XXXX XXXX Account number XXXX ( Discharged with a IRS 1099C Form ) Under 15 U.S. Code Sec 1681e I choose to be excluded from Experian Credit Bureau list , as well as the above creditors.

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 2024-02-29 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: NY

Complaint narrative:
this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments

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 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following inquiries need to be removed : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/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 2024-02-29 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: NJ

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed 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 2024-02-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
I am writing to express my concerns regarding the handling of my personal information by XXXX, XXXX, XXXX and ( Furnisher of information to credit agencies ). I believe that my rights as a consumer, as outlined in the Fair Credit Reporting Act ( 15 USC 1681 section 602 a ), are not being respected.

The Act clearly states that consumer reporting agencies must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. As a consumer, I have the right to ensure that my private information is not shared. This right is supported by 15 USC 6801, which mandates that each financial institution has an obligation to respect the privacy of its customers and protect the security and confidentiality of their nonpublic personal information.

According to 15 USC 1681 section 604 a section 2, a consumer reporting agency may furnish a consumer report only under specific circumstances : in accordance with the written instructions of the consumer to whom it relates. I have not given my consent, written or otherwise, to XXXX, XXXX or XXXX ( Furnisher of information to credit agencies ) to furnish this information.

Furthermore, 15 USC 6802 ( b ) states that a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how they can exercise their nondisclosure option. I was never informed of my right to exercise my nondisclosure option by ( Furnisher of information to credit agencies ).

Additionally, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from making any consumer report containing any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years. The account in question is an adverse item that is being reported without my permission, which is against the law.

15 U.S. Code 1681s2 ( A ) ( 1 ) A states that 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. Moreover, 15 U.S. Code 1681e mandates that every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. I believe that XXXX, XXXX and XXXX are not maintaining these reasonable procedures. 
Lastly, 12 CFR 1016.7 states that a consumer may exercise the right to opt out at any time. I am hereby exercising my right to opt out of your reporting services.

I kindly request that you address these concerns promptly and ensure that my rights as a consumer are respected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: OneMain Finance Corporation
State: DE

Complaint narrative:
I am writing to express my concerns regarding the handling of my personal information by XXXX, XXXX, XXXX and ( Furnisher of information to credit agencies ). I believe that my rights as a consumer, as outlined in the Fair Credit Reporting Act ( 15 USC 1681 section 602 a ), are not being respected.

The Act clearly states that consumer reporting agencies must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. As a consumer, I have the right to ensure that my private information is not shared. This right is supported by 15 USC 6801, which mandates that each financial institution has an obligation to respect the privacy of its customers and protect the security and confidentiality of their nonpublic personal information.

According to 15 USC 1681 section 604 a section 2, a consumer reporting agency may furnish a consumer report only under specific circumstances : in accordance with the written instructions of the consumer to whom it relates. I have not given my consent, written or otherwise, to XXXX, XXXX or XXXX ( Furnisher of information to credit agencies ) to furnish this information.

Furthermore, 15 USC 6802 ( b ) states that a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how they can exercise their nondisclosure option. I was never informed of my right to exercise my nondisclosure option by ( Furnisher of information to credit agencies ).

Additionally, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from making any consumer report containing any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years. The account in question is an adverse item that is being reported without my permission, which is against the law.

15 U.S. Code 1681s2 ( A ) ( 1 ) A states that 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. Moreover, 15 U.S. Code 1681e mandates that every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. I believe that XXXX, XXXX and XXXX are not maintaining these reasonable procedures. 
Lastly, 12 CFR 1016.7 states that a consumer may exercise the right to opt out at any time. I am hereby exercising my right to opt out of your reporting services.

I kindly request that you address these concerns promptly and ensure that my rights as a consumer are respected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: FL

Complaint narrative:
I applied for a loan due to an emergency in my family that left my jobless to provide for my kids. I was denied a loan because of the information that is being reported to my credit profile. I have sent multiple letters to get these issues addressed and nothing has been updated. I am on the verge of a eviction because i do not have the funds to get a loan to find a new place of residence for me & my family because the bureaus are damaging my character and dictating my credit worthiness. I need this issue addressed & fixed IMMEDIATELY. i have been trying to get these negative incorrect items removed for the past few months and i have not seen any change & i am very frustrated and emotionally stressed which is causing my health to decline.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I applied for a loan due to an emergency in my family that left my jobless to provide for my kids. I was denied a loan because of the information that is being reported to my credit profile. I have sent multiple letters to get these issues addressed and nothing has been updated. I am on the verge of a eviction because i do not have the funds to get a loan to find a new place of residence for me & my family because the bureaus are damaging my character and dictating my credit worthiness. I need this issue addressed & fixed IMMEDIATELY. i have been trying to get these negative incorrect items removed for the past few months and i have not seen any change & i am very frustrated and emotionally stressed which is causing my health to decline.

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 2024-02-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I'm reaching out to contest the presence of this bankruptcy on my credit report. It's worrisome since I have a court document expressly stating it shouldn't be reported to you. Additionally, the unauthorized third-party involvement makes this situation even more absurd.

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 2024-02-29 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: FL

Complaint narrative:
Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for late closed and charge off. I have tried numerous times to have this situation resolved with no resolutions. Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Inquiries : 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 2024-02-29 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: FL

Complaint narrative:
Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for late closed and charge off. I have tried numerous times to have this situation resolved with no resolutions. Inaccurate Addresses : XXXX XXXX XXXX, FL XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX ; Accounts : XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX, Inquiries : XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX and XXXX  XXXX  XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Triton Management Group, Inc
State: GA

Complaint narrative:
I was in need of funds to replace the engine in my vehicle. I reached out to Always Money XXXX XXXX Alabama for help. Since I had done business with them for several years coupled XXXX having poor credit, I was totally comfortable XXXX this decision Especially given the history with Always money. They were fair and great work XXXX for payday loans. I was in good standing having Always paid on time every time XXXX was until XX/XX/XXXX. When I realized I would be paying back well over XXXX  the amount I borrowed. XXXX  months at XXXX month for XXXX  months XXXX I borrowed XXXX dollars. I've made XXXX payments of XXXX to date or XXXX I feel I've paid my debt in fairness up to this point. 
I'm wanting to contact my bank and close the acct associated with the monthly ach draft payment with Always money Note. I had done business with them since XXXX. Having over XXXX payday loans XXXX  day transactions that were paid on time every time. This is what I got in return.. Unbelievable to me As far as I'm concerned I've met my obligations in repaying Always money XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than XXXX  days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is 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 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than XXXX  days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is 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 non-monetary relief
Consumer complaint received 2024-02-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Making sure payments are always on time, I've never encountered delays on this account. I'm uncertain why there are indications of late payment remarks on my 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