vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-15 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: GA

Complaint narrative:
I recently received a copy of my XXXX, TRANSUNION and XXXX credit report and found the following accounts listed as late payments on my credit report on top of the inaccuracies : Account # : XXXX Account # : XXXX Account # : XXXX Your company is in clear violation of the law under 15 USC16811b - Permissible purpose of consumer reports. THE LAW CLEARLY STATES : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

*I DID NOT GIVE YOU PERMISSION TO FURNISH THESE ACCOUNTS AS LATE.

THE FAIR CREDIT REPORTING ACT PROTECTS ME AS A CONSUMER AND STATE THIS TYPE OF ( reporting ) is *EXCLUDED* FROM FURNISHING AND REPORTING.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to ( transactions or experiences ) between the consumer and the person making the report ; A LATE PAYMENT IS A TRANSACTIONAL EXPERIENCE BETWEEN MYSELF AND WHO I DO PRIVATE BUSINESS WITH.

*DELETE THE LATE PAYMENTS ON THE ACCOUNTS IMMEDIATELY.

*DO NOT DELETE THE ACCOUNTS.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practice Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 usc 1681 violations for willful noncompliance - 616 Civil Liability for willful noncompliance 15 USC 16811n Negligent Enablement of Identity Fraud I will start a complaint with FTC and will reach out through proper communications.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently received a copy of my XXXX, XXXX and EQUIFAX credit report and found the following accounts listed as late payments on my credit report on top of the inaccuracies : Account # : XXXX Account # : XXXX Account # : XXXX Your company is in clear violation of the law under 15 USC16811b - Permissible purpose of consumer reports. THE LAW CLEARLY STATES : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

*I DID NOT GIVE YOU PERMISSION TO FURNISH THESE ACCOUNTS AS LATE.

THE FAIR CREDIT REPORTING ACT PROTECTS ME AS A CONSUMER AND STATE THIS TYPE OF ( reporting ) is *EXCLUDED* FROM FURNISHING AND REPORTING.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to ( transactions or experiences ) between the consumer and the person making the report ; A LATE PAYMENT IS A TRANSACTIONAL EXPERIENCE BETWEEN MYSELF AND WHO I DO PRIVATE BUSINESS WITH.

*DELETE THE LATE PAYMENTS ON THE ACCOUNTS IMMEDIATELY.

*DO NOT DELETE THE ACCOUNTS.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practice Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 usc 1681 violations for willful noncompliance - 616 Civil Liability for willful noncompliance 15 USC 16811n Negligent Enablement of Identity Fraud I will start a complaint with FTC and will reach out through proper communications.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-15 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of FCRA Violations Dear Equifax, I am writing to formally dispute the violations of the Fair Credit Reporting Act ( FCRA ) that I believe Equifax has committed. Specifically, I am referring to the provisions outlined under 15 U.S. Code 1681n, which addresses civil liability for willful noncompliance. 

It has come to my attention that Equifax has willfully failed to comply with requirements imposed under the FCRA, resulting in damages to me as a consumer. As per the statute, I am entitled to seek damages for any actual harm sustained as a result of such failures, or statutory damages ranging from {$100.00} to {$1000.00}. 

If this matter is not resolved promptly, I will be compelled to pursue further action, including filing a claim in small claims court or seeking arbitration. I hope to resolve this matter amicably and urge you to take this letter seriously. 

Please respond to this letter within 15 days, providing a detailed explanation of how you intend to rectify these violations. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 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: CT

Complaint narrative:
Upon reviewing my credit report, I noticed some instances as to where it is reported wrong and a handful of late payments. The Credit reporting agencies should be going thoroughly with the most accurate information before the credit is publish. For this student loan i have never missed a payment for. I have proof that on an account that is linked to it, my credit report shows that I have never missed a payment for. I request a more thorough investigation as to why this is being reported on my credit report inaccurately, such statements, showing the late payments. If there is some reason this proof can not be given, I request these late payments be removed and updated on my credit report as I have been consistent with all of my payments on time. 
Account number

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-15 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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Birthday XX/XX/XXXX Email. XXXX Social security. XXXX Phone # XXXX XXXX account # XXXX XXXX # XXXX Equifax XXXX XXXX XXXX I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX, XXXX, Equifax reports. 

The following inquiries and accounts are unauthorized or inaccurate, and I ask that you delete them at once... 

NOTE ... Inquires and accounts marked ( + ) from THESE LENDERS NEED DELETIONS ( Accounts ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Hard inquiries ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I dont recognize these lenders and I dont remember authorizing them to perform a hard inquiry nor did I authorize any new accounts on my credit report Act, I demand that these items be investigated and removed from my report Please rem any information that the creditor can not vrify and show permissible use NOTE... I demand that these items be removed that under 15 U.S.C. Sec. 1681 1 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

are all unauthorized an have no Permissible written consent nor did I benefit off of any of these transactions **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 written instructions *15 U.S.C 1681c. ( a ) 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( 1 ) the person, has been notified by the consumer, at the address specified by the person for such notices, that specific Information is instead inaccurate .....

NOTE ... FTC REPORT ATTACHED ... # XXXX Thank you for your time and help in this matter. 

Sincerely. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-15 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: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Birthday XX/XX/XXXX Email. XXXX Social security. XXXX Phone # XXXX Experian account # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX I received a copy of my credit report and am writing to dispute the following information that appears on my Experian, XXXX, XXXX reports. 

The following inquiries and accounts are unauthorized or inaccurate, and I ask that you delete them at once... 

NOTE ... Inquires and accounts marked ( + ) from THESE LENDERS NEED DELETIONS ( Accounts ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Hard inquiries ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I dont recognize these lenders and I dont remember authorizing them to perform a hard inquiry nor did I authorize any new accounts on my credit report Act, I demand that these items be investigated and removed from my report Please rem any information that the creditor can not vrify and show permissible use NOTE... I demand that these items be removed that under 15 U.S.C. Sec. 1681 1 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

are all unauthorized an have no Permissible written consent nor did I benefit off of any of these transactions **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 written instructions *15 U.S.C 1681c. ( a ) 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( 1 ) the person, has been notified by the consumer, at the address specified by the person for such notices, that specific Information is instead inaccurate ..... 

NOTE ... FTC REPORT ATTACHED ... # XXXX Thank you for your time and help in this matter. 

Sincerely. 
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 2024-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
In XX/XX/XXXX I applied to receive a Citi Bank XXXX XXXX XXXX XXXX. I did a balance transfer from XXXX XXXX to Citi Bank in the amount of {$2400.00} to reduce my credit card so I could pay the remaining balance off and increase my credit rating for financial needs. After several months I noticed that the payment did not reflect on my XXXX XXXX XXXX XXXX. I called Citi Bank and they insisted and confirmed my account number with XXXX XXXX XXXX that they sent an electronic payment in the amount of {$2400.00} in XXXX. When I called XXXX XXXX XXXX they insisted they never received a payment. I submitted official inquires to both companies. Citi insist they sent the balance transfer via electronic transfer, however, a customer service agent revealed that they sent it to a physical address. This is consistent with XXXX XXXX claims that a check was sent to the wrong address. If this is the case, this could have been resolved back in XXXX. It is possible that XXXX XXXX was only going off the information reported by myself or customer service. With that in mind Neither Card holding company would provide me any proof regardless of multiple request. I also asked that I be allowed to do a three way call with the two companies to try and get this resolved. They both explained they were unable to do this. I did communicate that I was considering hiring an attorney and would be seeking damages and asked kindly to please help me resolve this. Neither company could refer me to a anyone to provide me with information to get this resolved. XXXX XXXX XXXX said in a call on XX/XX/XXXX that Citi bank sent the payment to po box XXXX XXXX, AZ and that is not their address. Citi Bank insist that they sent the payment electronically and 'Now ' denies sending it to po box XXXX. I reported this inaccuracy back in XXXX. Neither credit card company will accept liability. During this time I paid interest an payments on both credit cards. Citi bank continues to charge me for the XXXX and processing fees with interest. XXXX XXXX continues to charge me the XXXX plus significant interest. I was unable to pay my credit card off and this has damaged my credit and kept me from being able to find housing for my family based on my lowered credit rating. On XX/XX/XXXX I called XXXX XXXX XXXX XXXX regarding a letter about my payment inquiry that said that they could not provide any information. When I called I was told that Citi Bank sent a check to XXXX XXXX XXXX XXXX AZ and it is the wrong address. When I called back to Citi Bank they denied this they told me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-15 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: IL

Complaint narrative:
I am disputing inaccurate reporting on my credit reports by XXXX, the U.S. Department of Education, and credit reporting agencies TransUnion, XXXX, and XXXX regarding my student loan account ( Account No. XXXX ). XXXX has admitted in a letter dated XX/XX/XXXX that my account was transferred multiple times to : U.S. Department of Education DXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX  These transfers were done without my consent or proper authorization ( XXXX form ) and constitute payment, satisfying the debt under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, this account is still being inaccurately reported as unresolved or delinquent on my credit reports. Key Issues : 1. FCRA Violations by Credit Agencies : Under 15 U.S.C. 1681i ( a ) ( 5 ) and 12 C.F.R. 1022.43 ( a ), credit agencies must promptly update or correct inaccurate information when evidence, such as a notarized adavit, is provided. Despite my submission of notarized documentation, they have failed to update the account as Paid in Full. 2. Name Change Not Updated : I legally changed my name to XXXX XXXX XXXX due to fraudulent and inaccurate reporting tied to my former name ( XXXX XXXX ). TransUnion, XXXX, and XXXX have failed to update my legal name as required.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-15 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: AL

Complaint narrative:
There are many Hard Inquiries which I did not authorize and many incorrect accounts in error reporting on my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-15 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: AL

Complaint narrative:
There are many Hard Inquiries which I did not authorize and many incorrect accounts in error reporting on my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 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: PA

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized and false credit inquiries that have appeared on my credit report. Additionally, I suspect these inquiries may be linked to identity theft, which has caused significant concern about the safety of my personal information. 

The following credit inquiries were not authorized by me and are inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries have negatively impacted my credit score and created undue stress. I have reason to believe that my personal information may have been used without my consent to initiate these inquiries. 

Steps Already Taken : I have reviewed my credit report and confirmed that these inquiries are not authorized. 
I am taking additional measures to secure my personal information to prevent further misuse. 

I look forward to your swift resolution of this matter. Please do not hesitate to contact me if additional information is needed. 

Sincerely, 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 2024-12-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: NY

Complaint narrative:
I am writing to formally dispute the collection account reported by Jefferson Capital Systems LLC on my credit report. This letter serves as a complaint regarding their violation of my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. I also request immediate investigation and removal of this erroneous account, as it is damaging my credit and causing undue hardship. According to the FCRA ( 15 U.S.C. 1681 ), Jefferson Capital Systems LLC is obligated to ensure that any information they furnish to credit reporting agencies is accurate and verifiable. In this case, they have failed to meet these requirements.

Failure to Provide Adequate Debt Validation ( 15 U.S.C. 1692g ( b ) ) I have the right to request proper validation of the alleged debt, which includes : Proof of the original creditors name and the chain of ownership of the debt.

Documentation of the original signed agreement proving I owe this debt.

Evidence that Jefferson Capital Systems LLC has the authority to collect in Ohio while attempting to enforce this debt in New York. 
Simply providing a billing statement does not meet the standards of validation under federal law. This has been upheld in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ), where the court held that billing statements alone are insufficient validation of a debt. 

Jefferson Capital Systems LLC is required to ensure the maximum accuracy of the information they report. Failure to validate the debt renders the account unverifiable, making their reporting a violation of the FCRA. As per XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), unverifiable debts can not be reported. 

Under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors must have proper authorization to collect debts. Jefferson Capital Systems LLC has failed to provide proof that they are authorized to collect this debt in New York while I reside in Ohio. Their actions constitute misleading and deceptive practices in violation of 1692e of the FDCPA. Moreover, collection actions across state lines without proper licensing may violate XXXX XXXX and XXXX consumer protection statutes, which require out-of-state collectors to meet specific legal requirements before pursuing debts.

Company response to consumer: Closed with explanation