vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-28 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: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting a formal complaint regarding several accounts listed on my credit report that have violated my federally protected consumer rights to privacy and confidentiality under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

Accounts in Violation : 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 Details of the Violation : Right to Privacy : 15 U.S.C. 1681 Section 602 ( a ) : This section underscores my right to privacy, establishing the importance of accurate and fair credit reporting to protect consumers from the detrimental effects of inaccurate or unauthorized information. 

Unauthorized Furnishing of XXXX : 15 U.S.C. 1681 Section 604 ( a ) ( XXXX ) : It is stated that consumer reporting agencies can not furnish my account information without my written consent, except in certain limited situations. I did not provide authorization for the reporting of these accounts. 

Inclusion of Outdated Information : 15 U.S.C. 1681c ( a ) ( XXXX ) : This section prohibits the inclusion of adverse information in a consumer report if it is older than XXXX years, except for certain criminal convictions. The accounts in question contain adverse information that exceeds this permissible timeframe. 

Inaccurate Reporting : 15 U.S.C. 1681s-2 ( a ) ( XXXX ) : This section mandates that furnishers of information ensure the accuracy of what they report. They are prohibited from providing any information they know, or have reasonable cause to believe, is inaccurate. The accounts in question reflect inaccurate information that should not have been reported. 
Given these violations, I request that the Consumer Financial Protection Bureau investigates this matter and ensures the removal of the inaccurate, outdated, and unauthorized information from my credit report. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXXXXXX 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 2024-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: OR

Complaint narrative:
In XXXX  I financed a gaming computer through XXXX XXXX XXXX. When I received the computer it was not working correctly. After several hours worth of phone calls and trouble shooting with the device I told the tech support team that I didnt want the device and I wanted to send it back. They told they would not accept it and would send a technician out to repair it. That never happened. I called XXXX back and asked why the technician did not show up but they did not provide a reason why and scheduled another service appointment. It still did not happen, I called and expressed my grievances and told them I did not want the computer and I was still under warranty but did not want the computer due to how many problems it had. They told me they would not accept it back and refused to repair the computer. I still have the computer and it still does not work, it wont even power on. Now XXXX hoping to get rid of this debt since XXXX did not stand up to their side of the contract by providing me with a working device that still does not work and refused to take it back or repair it. This thing still does not work and I would greatly appreciate it if this was removed from my credit report and the debt wiped as I have tried to return the device 4 times and was refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: NY

Complaint narrative:
To Whom It May Concern., This letter is a formal complaint that you are reporting inaccurate and incomplete credit Information. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ). In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) 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. 

Account : 1. XXXX XXXX - Account # XXXX - This account is being reported inaccurately, please remove this from my credit report immediately. 

2. XXXXXXXX XXXX XXXX  - Account # XXXX - This account is being reported inaccurately, please remove this from my credit report immediately. 

3. XXXX XXXX - Account # XXXX - This account is being reported inaccurately, please remove this from my credit report immediately. 

4. XXXX XXXX - Account # XXXX - This account is being reported inaccurately, please remove this from my credit report immediately. 

5. XXXX - Account # XXXX - This account is being reported inaccurately, please remove this from my credit report immediately. 

6. XXXX - Account # XXXX - This account is being reported inaccurately, please remove this from my credit report 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 non-monetary relief
Consumer complaint received 2024-08-28 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: NY

Complaint narrative:
To Whom It May Concern., This letter is a formal complaint that you are reporting inaccurate and incomplete credit Information.

Under 15 U.S. Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ). In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) 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. 

Account : 1. XXXX XXXX - Account # XXXX - This account is being reported inaccurately, please remove this from my credit report immediately. 

2. XXXX XXXX XXXX XXXX Account # XXXX - This account is being reported inaccurately, please remove this from my credit report immediately. 

3. XXXX XXXX - Account # XXXX - This account is being reported inaccurately, please remove this from my credit report immediately. 

4. XXXX XXXX - Account # XXXX - This account is being reported inaccurately, please remove this from my credit report immediately. 

5. XXXX - Account # XXXX - This account is being reported inaccurately, please remove this from my credit report immediately. 

6. XXXX - Account # XXXX - This account is being reported inaccurately, please remove this from my credit report 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 2024-08-28 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: FL

Complaint narrative:
RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that 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  Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.

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 2024-08-28 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: CA

Complaint narrative:
Hard Inquiries
XXXX XXXX XXXX
Inquiry: XXXX XXXX XXXX
Finance/Personal XXXX XXXX
XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Inquired on XXXX XXXX XXXX
Business Type: All Banks - non
specific XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Inquired on XXXX XXXX XXXX
Business Type: All Banks - non       XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Reported: XXXX XXXX XXXX XXXX
Balance
XXXX
Highest Balance XXXX
Opened XXXX XXXX XXXX XXXX XXXX           EQUIFAX
Original Creditor
Name XXXX XXXX XXXX XXXX
Closed No Info XXXX XXXX
Reported: XXXX XXXX XXXX XXXX XXXX XXXX
Reported: XXXX XXXX XXXX XXXX- INQUIRY
Closed

XXXX XXXX XXXX
Reported: XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX  Reported: XXXX XXXX XXXX
XXXX- XXXX  EQUIFAX

XXXX XXXX XXXX XXXX
Inquiry: XXXX XXXX XXXX 
Bankcard

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: CA

Complaint narrative:
Hard Inquiries
XXXX XXXX XXXX
Inquiry: XXXX XXXX XXXX
Finance/Personal                            XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Inquired on XXXX XXXX XXXX
Business Type: All Banks - non
specific                                             EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Inquired on XXXX XXXX XXXX
Business Type: All Banks - non       EXPERIAN
specific XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reported: XXXX XXXX XXXX XXXX
Balance
XXXX
Highest Balance XXXX
Opened XXXX XXXX XXXX XXXX XXXX           XXXX
Original Creditor
Name
XXXX XXXX XXXX XXXX
Closed No Info XXXX XXXX
Reported: XXXX XXXX XXXX XXXX

XXXX XXXX
Reported: XXXX XXXX XXXX XXXX- INQUIRY
Closed XXXX XXXX XXXX
Reported: XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Bankcard

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 2024-08-28 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: NV

Complaint narrative:
To whom this may concern, This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information, and every step must be taken to assure the information reported is completely accurate and correct. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. 

The information must be deleted from my report as soon as possible. The information is inaccurate and misleading and as such represents a very serious error in your reporting. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

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 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-08-28 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: NV

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

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 2024-08-28 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:
i am a victim of identity theft, i have been battling this problem for the last 5 years and it seems that it doesnt want to go away, someone has been using my personal information to obtain goods and services using my personal information, i have reached out to all the credit reporting agencies to report this issiue and it never wants to come off my credit report.i feel that my rights as a consumer has been violated and someone or something needs to happen, i am in despreate nned of help in regards to this matter! enclosed are supporting documenst to support my cliam that i am truly a victim of identity theft!.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: FL

Complaint narrative:
i am a victim of identity theft, i have been battling this problem for the last 5 years and it seems that it doesnt want to go away, someone has been using my personal information to obtain goods and services using my personal information, i have reached out to all the credit reporting agencies to report this issiue and it never wants to come off my credit report.i feel that my rights as a consumer has been violated and someone or something needs to happen, i am in despreate nned of help in regards to this matter! enclosed are supporting documenst to support my cliam that i am truly a victim of identity theft!.

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 2024-08-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
I received an email XXXX that because I was on the XXXX repayment plan, which is being litigated, that my loans would be placed on a forced administrative forbearance that would be XXXX % interest accrual. I reached out to someone at the Federal Student Aid website who said that interest should not be accruing on XXXX. I contacted my loan servicer by phone on XXXX, XXXX, and again via email at XXXX. Each time they said interest would be 'wiped ' at the end of the billing cycle and paid off by the government. I ask for the date that this would occur and was never given an answer ( by phone and over email. ) As of today, over {$430.00} has accrued on my account, which equals more than a month 's worth of interest that is going up by the day. Aidvantage has provided no clarity into this matter and has continuously avoided answering my questions by reading off of, or sending me a script of what they are telling all consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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:
According to my research about FCRA XXXX, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 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: FL

Complaint narrative:
According to my research about FCRA XXXX, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XXXXXX/XX/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 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: WY

Complaint narrative:
I looked at my experian credit report on XX/XX/year>, and noticed my personal information/addresses are inaccurate.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 addresses I've never lived at and don't receive mail too. I called XXXX and they refused to remove these addresses.the following XXXX addresses are inaccurate. XXXX spinning XXXX XXXX. XXXX, fl XXXX. XXXX chase dr. XXXX XXXX XXXX XXXX and XXXX XXXX st. XXXX XXXX ohio XXXX please stop reporting these addresses on my experian credit report.i don't receive mail there and have never lived at these addresses.i demand {$1000.00} per violation please mail my check to my correct address of XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Wyoming 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 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NH

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Chase closed my account and said check will be mailed, but yet not received.

Company response to consumer: Closed with non-monetary relief