vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-23 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: FL

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2024-07-23 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: NC

Complaint narrative:
" I reviewed my consumer report and informed your agency on XX/XX/year>2024 about the items I

disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim. Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair 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 2024-07-23 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
There was an unknown credit inquiry on my credit report that does not belong to me. I think someone tried to open a credit card in my name. I want that to be removed off of my credit report. This has happened before regarding Identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CCM Finance LLC
State: TX

Complaint narrative:
After checking my credit notices that a company CCM Finance was reporting a repossession on a vehicle that I never purchased further investigation led me to know that this is a buy here pay your dealership the address that was Used XXXX XXXX XXXX is an abandoned home and I never lived there The loan amount went from XXXX then to XXXX I dont understand change in this nor did I ever authorize such a transaction. Also, there is also loan from XXXXXXXX XXXX XXXXor a vehicle that I never purchased or owned also a credit card from XXXX XXXX but {$190.00} balance that I never obtained. Someone added my name as an authorized user without my authorization.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
This company has sent me letters has tried to contact me numerous amount of times Ive told them that Im not paying because of the fact that I did not even activate the services that they were providing to me because my Devices were not paid off. They still proceeded to put it on my credit when they should have not

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 2024-07-23 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:
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.

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 a 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-23 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: CO

Complaint narrative:
I requested a description of the procedures used to verify their claim, as indicated in my letter sent XX/XX/year>, Certified mail # XXXX XXXX XXXX XXXX XXXX. I requested Validation i.e. chain of title and actual assignment of any debt instrument to their account per purchase agreement as Proof of Claim of their standing to demand repayment of a debt, to provide proof of debt ownership and validity. as well as evidence that I agreed to interest charges in any contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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: CITIBANK, N.A.
State: PA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX XXXX account # XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, SD XXXX, has violated my rights. 
The report is incorrect, account is paid for and settled and should report correctly. 

I looked at my XXXX credit report on XXXX, 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 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 ( XXXX ) 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 ( i ) 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 reinvestigation; and ( ii ) 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 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 2024-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: GA

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-23 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: OH

Complaint narrative:
I am a victim of identity theft there are inaccuracies on my credit report and they were unauthorized. I had fraud alert on my credit profile the credit agencies failed to contact me via phone to VERIFY information or applications.

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 2024-07-23 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I hope this message finds you well. I am writing to follow up on my previous request for assistance. As mentioned earlier, I have already provided all the necessary documents to address the issue regarding the item that does not belong to 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 non-monetary relief
Consumer complaint received 2024-07-23 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Date : XX/XX/XXXX American Express XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, N.Y. XXXX SSN : XXXX The IRS clearly states that lenders or creditors are required to issue Form 1099-C, Cancellation of Debt, if they cancel a debt owed to them of {$600.00} or more. 

So I am asking that you remove the following account from my credit reports : AMEX Account # XXXX I needed to have an unplanned XXXX that has kept me from working for the past XXXX months. I am asking that I be able to claim this charged-off debt of {$3700.00} as income for my XXXX personal tax returns. 


Thank You for your prompt attention and I look forward to doing business with AMEX in the future Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XXXX : XX/XX/XXXX SSN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Back in XXXX I wrote to the CFPB about the data XXXX data breach. I was notified that my data was affected. I immediately notified the CFPB about the breach. I also stated that I want to block my credit profile report. Meaning I need written notice from entities when furnishing or sharing my personal data.Where is your written notice? This is identity theft! Your entity is violating my rights. I received a new inquiry of a new address on my credit profile. How did that address get on my report? I never lived at the location. I live in XXXX, NC not XXXX, FL. Please remove : XXXX XXXX XXXX XXXX, FL XXXX. How did anything get on my report without written permission? This is considered identity theft. This address needs to be removed immediately. My address is XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, NC. All correspondence should be addressed to XXXX XXXX XXXX XXXX. 

Where is the contract for XXXX XXXX where I gave them permission to furnish my account? Where is your entity 's written notice? As I stated in my last letter you need written permission from XXXX XXXX XXXX before furnishing any account information. My accounts are run by my XXXX. All my accounts are private and I require written permission from all agencies to share XXXX XXXX XXXX XXXXonsumer profile. With each violation will be a fine of {$1000.00} for noncompliance. I need a notice from the financial institution or credit agency with full account information and full disclosure on how to settle the account in bankruptcy, see Bankruptcy act of 1933. After I examine the account, I will decide what to do. As these are my accounts. Your company operates through the United Stated Codes, please follow those codes, or I will be forced to take civil action. Please remove all inaccurate information below. Thank you for your time. 


Remove immediately Inaccurate Information Address XXXX XXXX XXXX XXXX, FL XXXX Accounts XXXX XXXX XXXX XXXXXXXX XXXX Accounts : XXXX and 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 2024-07-23 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: AZ

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. 
Account name : XXXX XXXX XXXX XXXX Account # XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX ACCOUNT # XXXX, Account name : XXXX XXXX XXXX ACCOUNT # XXXX Account name : XXXX XXXX ACCOUNT # XXXX Account name : XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account # XXXX, Account name : XXXX XXXX  account # XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, account # XXXX Account name : XXXX XXXX XXXX  account # XXXX Account name : XXXX XXXX  XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX ACCOUNT # XXXX, has violated my rights. 

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 explanation
Consumer complaint received 2024-07-23 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: AZ

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. 
Account name : XXXX XXXX XXXX XXXXXXXX Account # XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX ACCOUNT # XXXX, Account name : XXXX XXXX XXXX ACCOUNT # XXXX Account name : XXXX XXXX ACCOUNT # XXXX Account name : XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account # XXXX, Account name : XXXX XXXX, account # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, account # XXXX Account name : XXXX XXXX XXXX, account # XXXX Account name : XXXX XXXX XXXX IN XXXXXXXX XXXX  XXXX XXXX ACCOUNT # XXXX, has violated my rights. 

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 explanation
Consumer complaint received 2024-07-23 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: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
Hello, Please fix the reporting of 30 days late in XXXX of 2024. On XXXX XXXX apayment was submit ted. This payment was returned, and Apple did not notify me until I noticed my credit score dropped from the late reporting. Apple customer service claims that they emailed me on XX/XX/XXXX, to notify me that this payment did not go through, but I did not receive anything. Apple customer service also admits that they did not try to contact me in an alternative method, such as a phone call, text, or paper mail. I have attached a screenshot of my emails from XX/XX/XXXX, there is nothing in my inbox. 
I would like this corrected as soon as possible. I am trying to purchase my first house, and this is hurting me. While there was some fault on my side, I do believe I should have been notified to submit repayment. Please call or email me with any questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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: MD

Complaint narrative:
There numbers of account which is not belong to me. I have reported numbers of time to credit companies. 

They don't provide me any investigation report regarding the issue or eaither remove 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 non-monetary relief
Consumer complaint received 2024-07-23 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: MD

Complaint narrative:
There numbers of account which is not belong to me. I have reported numbers of time to credit companies. 

They don't provide me any investigation report regarding the issue or eaither remove 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 2024-07-23 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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a 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.

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 2024-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-23 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: WELLS FARGO & COMPANY
State: RI

Complaint narrative:
I called and informed them I did not authorize Wells Fargo Bank to do a hard inquiry on mu acct. XXXXXXXX XXXX XXXX XXXX has since closed, and they could not verify. They refused to remove. I advised them, I would file a complaint.

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