vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: MI

Complaint narrative:
Company L.J ROSS & Associates has furnished my consumer report trying to collect a debt that has been written off and charged off by the Original Creditor, XXXXXXXX XXXX. I have requested IRS documentation from XXXXXXXX XXXX XXXXXX/XX/XXXX ( cancellation of debt ) that the bank has submitted to the IRS. I received verification on the call the amount in question was and has been CHARGED OFF. I was advised they would send the requested IRS documentation within 7-14 days. This account is currently in litigation as all parties will be held responsible for furnishing my consumer report and their attempts to try and bring stress upon I the consumer. L.J Ross and Associates has furnished my report illegally for 4 years. This company has received several disputes regarding this account and in their efforts have continued to verify information to my consumer report without : A. having permission from I the consumer to have my non-personal information. XXXX XXXX  breached their privacy policy with I the consumer as advised in the contractual agreement that my non-public information is not to be disclosed to non-affiliate third-parties as, L.J Ross & Associates . XXXX. L.J Ross & Associates and XXXXXXXX XXXX have violated my rights of privacy pursuant to The Privacy Act of 1974. 

I demand the collection account be removed effective immediately. All parties have been notified.I am requesting damages pursuant to the FDCPA for falsifying and furnishing inaccurate information to my consumer report for years. Indicating that I owed the alleged debt and in fact I DO NOT. I am willing to settle XXXXXXXX XXXX XXXXXXXX XXXX, civil liabilities and damages against I the consumer in accordance with the FDCPA 15 U.SC 1692g.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Received a letter from the irs concerning additional income. Tried reaching the company to get the tax form needed. Company never called back. I left multiple messages.

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 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
I reviewed my credit report and saw a credit card balance of {$30000.00} on cito cards when I have none.

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 2024-04-20 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: IL

Complaint narrative:
In accordance with the Fair Reporting act XXXX Account XXXX. XXXX XXXX. # XXXX XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX. # XXXX XXXX. The XXXX XXXX. # XXXX XXXX. XXXX  XXXX XXXX # XXXX Have violated my rights. 


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

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency Can not furnish an account without my instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: PA

Complaint narrative:
This is regarding identity thief of a famous pastor and using his name to soliciting donation for orphanage. I was told to wire money to XXXX XXXX using Zelle Her contact is phone number XXXX email XXXX Address XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Previous Addresses : XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX Phone XXXX : ( XXXX ) XXXX - Wireless ( XXXX ) XXXX - She had a notary account in Florida Notary ID : XXXX Last XXXX : Young First Name : XXXX XXXX Name : XXXX Birth XXXX XXXX XX/XX/XXXX Transaction Type : XXXX XXXX : XXXX XXXX Status : XXXX XXXX XXXX : XX/XX/XXXX Expire Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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: FL

Complaint narrative:
According to FRCA section 605b it is ILLEGAL to report information on my credit report without my permission. Thank you, and please delete this off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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: MS

Complaint narrative:
On XX/XX/year>, I noticed many inaccurate items on my credit. Please remove these from my credit report. It hurting my ability to obtain credit. Thank you in advance. 

XXXX XXXX XXXX XXXX : XXXX The card was reported stolen yet It still reflects It was active after XXXX. There's not payment history reflecting, no information about this account on my credit report and shows showing two accounts with different credit histories with the same balance.. PLEASE REMOVE. 

XXXX ( Original Creditor : XXXX XXXX ) - XXXX : XXXX I have no knowledge of this account. I have reported this as identity theft. PLEASE REMOVE. 

XXXX XXXX XXXX : XXXX I have no knowledge of this account. I have reported this as identity theft. PLEASE REMOVE. 

INQUIRES 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 2024-04-20 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: MS

Complaint narrative:
On XX/XX/year>, I noticed many inaccurate items on my credit. Please remove these from my credit report. It hurting my ability to obtain credit. Thank you in advance. 

XXXX XXXX XXXX XXXX : XXXX The card was reported stolen yet It still reflects It was active after XXXX. There's not payment history reflecting, no information about this account on my credit report and shows showing two accounts with different credit histories with the same balance.. PLEASE REMOVE. 

XXXX ( Original Creditor : XXXX XXXX ) - XXXX : XXXX I have no knowledge of this account. I have reported this as identity theft. PLEASE REMOVE. 

XXXX XXXX XXXX : XXXX I have no knowledge of this account. I have reported this as identity theft. PLEASE REMOVE. 

INQUIRES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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: CA

Complaint narrative:
on XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person

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 2024-04-20 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: LA

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

XXXX the XXXX XXXXXXXX XXXX XXXX XXXX XXXXor {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX for {$30.00} told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX FOR {$30.00}, Account name : XXXX THE XXXX XXXX XXXX XXXX {$1000.00}. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-20 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: TX

Complaint narrative:
XXXX, XXXX XXXX. XXXX has run my credit on XXXX without my authorization. I did not authorized XXXX, XXXX XXXX. XXXX to run my credit.

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 2024-04-20 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: TX

Complaint narrative:
XXXX, XXXX XXXX. XXXX has run my credit on XXXX without my authorization. I did not authorized XXXX, XXXX XXXX. XXXX to run my credit.

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 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
1601. Congressional findings and declaration of purpose ( a ) Informed use of credit The Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices.

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 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX. Congressional findings and declaration of purpose ( a ) Informed use of credit The XXXX finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices.

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 2024-04-20 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: OH

Complaint narrative:
XXXX. Congressional findings and declaration of purpose ( a ) Informed use of credit The XXXX finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices.

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 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: 60 Month Loans, Inc.
State: OH

Complaint narrative:
1692c ( b ), which, subject to certain narrow exceptions, prohibits debt collectors from communicating with third parties in connection with the collection of any debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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: LA

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

XXXX the XXXX XXXX APTS Original creditor for {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX for {$30.00} told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX FOR {$30.00}, Account name : XXXX THE XXXX XXXX XXXX XXXX {$1000.00}. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to XXXX XXXX XXXX ( XXXX ), they are supposed to modify accounts that aren't reporting correctly. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-20 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: TX

Complaint narrative:
Please remove my inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
THIS IS NOT MINE. XXXX NEEDS TO DELETE THIS NOW ITS BEEN ON MY CREDIT PORTFOLIO FOR YEARS. XXXX REFUSES TO VERIFY THIS IS MINE. THERE IS NO SOLID EVIDENCE THAT I OWE THEM ANYTHING. I NEVER USED THEM IN MY LIFE. PLEASE REMOVE THIS FROM MY CREDIT 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 explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSWORLD SYSTEMS INC
State: DE

Complaint narrative:
Debt paid in full to original creditors

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 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:
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 U.S.C 1681. 
Reporting account numbers : XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX, has violated my rights. 15 U.S.C 1681 Section 602 A. States that I have the right to privacy. 15 U.S.C 1682 Section 604 A. Section 2 : Also, states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. A. Section ( 5 ) states : no consumer reporting agency may make any consumer report containing any of the following items of information, and any adverse items of information other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s. 2 A. ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Farrell Holdings, LLC
State: OH

Complaint narrative:
Upon viewing this contract Pac Auto Finance is in violation of fraud and security fraud I got the proof in this contract yesterday I revoked all rights over all contracts including # XXXX and any security tied to my social security number

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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: DISCOVER BANK
State: CO

Complaint narrative:
TRANSACTION HISTORY REMOVAL COMPLAINT I am writing to request the immediate removal of all transaction history, payment history and related balance information from my credit report for DISCOVER BANK ACCOUNT tradeline as reported by XXXX. This request is based on multiple violations of my privacy rights under several significant laws and regulations. 
The reporting of my information violates the Privacy Act of 1974, which protects personal information from unauthorized disclosure. It also contravenes 12 CFR 1022 ( Regulation V ), which requires the privacy and proper disposal of consumer information, ensuring data integrity and accuracy. Furthermore, under the Fair Credit Reporting Act, specifically 15 USC 1681 and 1681 ( b ), consumer reporting agencies are mandated to ensure all reported data is accurate, verified, and only made available for permissible purposes with the consumer 's explicit written consent, which I did not provide. 
Additionally, the XXXX XXXX, particularly sections 6801 through 6805, outlines the responsibilities of financial institutions to respect the privacy and protect the security of their consumer 's non-public personal information. This includes any identifiable financial information provided by a consumer that results from any transaction or service performed, which should not be disclosed without explicit written consent. 
Given these breaches of legal obligations, I urge you to act promptly to remove the mentioned information from my credit report. I expect written confirmation of this action and am prepared to take further steps to enforce my rights if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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:
I looked at my report on XX/XX/2024 and noticed some things are incomplete and not accurate. And 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 these accounts. 

TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN are NOT complete and accurate. 

The original balance is inaccurate and conflicting The last payments are inaccurate and conflicting The date closed is inaccurate and wrong. 
The dates of the monthly payments reported are inaccurate and conflicting.

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