vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: World Acceptance Corporation
State: SC

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX sc XXXX XXXX I am in Direct violation of the fair credit reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), has violated several of my rights. 

15 U.S.C. 1681 section 602 A. Clearly states that Ithe 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. 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Acts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Kikoff Inc.
State: AL

Complaint narrative:
I am writing to file a formal complaint regarding a late payment that was reported to the credit bureaus, which is negatively impacting my credit score and my ability to purchase a home. Despite several attempts to have this late payment removed, it still remains on my credit report. 

As per the law 15 U.S.C 1681 Congressional findings and statement purpose, I have the right to an accurate and fair credit report, and the presence of this late payment is a defamation of my character and an inaccurate reflection of my creditworthiness. It is also damaging my livelihood, as it is preventing me from obtaining a mortgage to purchase a home.

I want to point out that I canceled my services with your company before any further damage could be done to my credit score, and I have made several attempts to have the late payment removed from my credit report directly with your company. However, my requests have gone unanswered and the late payment remains on my credit report. 

I would appreciate your immediate attention to this matter and request that the late payment be removed from my credit report as soon as possible. I am eager to move forward with my plans to purchase a home and rebuild my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Since XX/XX/XXXX I became aware that I have been a victim of identity, theft and fraud. Someone has my drivers license number and a fake ID and is trying to open up accounts in my name. They are using a Social Security number that ends with XXXX which is not my Social Security number. I have froze my credit with credit reporting agencies however, sometimes they still pull my credit. I am disputing these erroneous pulls.

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 2023-04-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC.
State: FL

Complaint narrative:
When I lived in Georgia during the beginning of the pandemic, I rented from a place called XXXX XXXX XXXX. This was a dangerous place to live, but I always made our payments. HOWEVER, a water line leading to my apartment building bursted and water continued to flood for over a week. This SKYROCKETED my utility payments and my water bill went up ENORMOUSLY. I talked to the city about being reimbursed but they told me that while they would come out to fix the line, it is still the responsibility of the apartment management team to reimburse me, as this happened on THEIR property. The management team FAILED to fix this issue in good time, knew I had huge water bills I now had to pay through no fault of my own, and REFUSED to reimburse me for these hundreds and hundreds of dollars. I attempted to take them to civil court but was unable to. Frustrated, and without any help or financial assistance, I ended my lease early to escape that horrible, abusive environment. Despite never once helping me in an issue THEY were responsible for, they still demanded final month 's rent. I will not pay this until they are finally willing to reimburse me for the money owed due to the water leak. Fair is fair, and I hope whoever is reading this understands how companies exploit poor people like me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has 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 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 explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Credit reporting, credit repair services, 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: PA

Complaint narrative:
I, the consumer in this matter, first contacted the Credit Reporting Agency in regards to accounts listed on my consumer credit file, in an attempt to amicably handle this situation, before this goes to court. I noticed that there were multiple erroneous accounts listed, and requested that they send me the method of verification used, my written authorization giving them, the Credit Reporting Agency, to obtain or furnish any of my non public financial information. In reporting this information, the CRA failed multiple requirements of the FCRA, most notably, the requirement of maximum accuracy, and the requirement of necessary consent and permissible purpose. Without consent, the CRA has no authority to furnish any information related to the consumer, and doing so without authority is Aggravated Identity Theft.

This is my final attempt to get this information removed prior to filing a federal lawsuit, as the violation of the FCRA is a federal of law.

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 2023-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I, the consumer in this matter, first contacted the Credit Reporting Agency in regards to accounts listed on my consumer credit file, in an attempt to amicably handle this situation, before this goes to court. I noticed that there were multiple erroneous accounts listed, and requested that they send me the method of verification used, my written authorization giving them, the Credit Reporting Agency, to obtain or furnish any of my non public financial information. In reporting this information, the CRA failed multiple requirements of the FCRA, most notably, the requirement of maximum accuracy, and the requirement of necessary consent and permissible purpose. Without consent, the CRA has no authority to furnish any information related to the consumer, and doing so without authority is Aggravated Identity Theft.

This is my final attempt to get this information removed prior to filing a federal lawsuit, as the violation of the FCRA is a federal of law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
I enjoyed my relationship with Nordstrom/ TD Bank USA and appreciated the services they extended to me in the past. Past financial issues caused me to miss payments despite my best efforts to always be on time. I wrote to see if they would be willing to make a goodwill adjustment to the reporting of the three credit agencies. 

During the time of service that I had with their company, I was unemployed for a year following being laid off from my job. In XXXX of 2022, my unemployment funds were depleted and by XXXX of 2022, I was being evicted from my apartment. I strived but failed to complete payments on time. 

I want them to know that I understand my financial obligations and if it werent for my lack of funds, Id make an excellent repayment record. Ive had the misfortune of falling behind but I have been committed to cleaning up my mishaps and I believe these missed payments do not reflect my creditworthiness and commitment to repaying my debts. 

I am kindly asking that the company considers this and assist me in improving my current circumstances. Im planning to apply for an apartment to resolve my homelessness and its come to my attention that the collection on my credit report could hurt my ability to qualify. It would help immensely if the company could give me a second chance and make a goodwill adjustment to remove the collection

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
From 2009 to present my credit report has been showing incorrect information such as accounts never opened, accounts applied for that I didn't apply for, use of my credit report to view when it wasn't authorized, was turned down for employment due to another individual 's criminal record appearing on mine, denied home loans due to accounts that should not be on my credit report. I have on multiple occasions reported identity theft with the credit reporting bureaus, have disputed on different occasions accounts that were not opened by me, and reported to collections and various companies calling me over accounts that didn't belong to me. This has been an ongoing problem and it's been damaging to my life and effecting me being able to have a fair chance as anyone else.

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 2023-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK
State: IL

Complaint narrative:
I woke up on XX/XX/XXXX to an email from Discover Credit Card saying there was a new credit inquiry on my credit report. When I logged into my account and looked at the inquiry was from XXXX XXXX XXXX and I called Discover 's number that was provided if I didn't recognize this transaction. 
The woman who helped me said that it was a pull from XXXX XXXX XXXX bank and mentioned that they also work with XXXX. I mentioned to her that in the summer of XXXX, my XXXX account was hacked and both my debit and this credit card were used for almost {$1000.00} between the two cards. As she was explaining what I could do ( including filling out this report ), I detached both cards from my current XXXX account and logged out. 
The woman with Discover helped me put a freeze on my card for pulling hard credit checks and I'm trying to fill out all this information to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
Numerous accounts that are being reported are inaccurate and incomplete. Disputes say theyve been verified and updated based on previous investigations, never told how they were investigated or what they had for documentation. Accounts have numerous times had to be updated because they were not accurate or complete but they still say theyre verified. Accounts that clearly show that they violated collection and reporting laws either remain on the account or as of today 2 of them that were removed have been reported again. I have hundreds of pictures showing past and current credit reports and the investigation alerts proving this. Along with Experians own notices saying the accounts were removed and then the notices of them being reported again. None of them have it published anywhere that theyre disputed, and this has been going on for almost 8 years now. This has been causing all kinds of problems between housing, financing a vehicle for work, financing and starting of my business, financing cellphones from companies that have fraudulent accounts that I have reported and no matter what I do my credit report keeps getting worse instead of better because of this companies extreme lack of duties to investigate the disputes and failures to verify accounts that are being reported.

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 2023-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

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 XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has 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 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 explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Over the last year, I've been led to believe that my credit report has been irresponsibly managed. I'm a victim of identity theft that stems from the XXXX XXXX data breach. I've been disputing fraudulent accounts for the past year, and Transunion have not provided me with substantial proof of validation that they claim they've received. I have made several attempts to remind Transunion of their obligations under 15 USC 1681. It appears that they are deliberately and willfully negligent in resolving my issues. 15 USC 1681e ( b ) guarantees that I am due and promised accuracy in my report in accordance with federal law. This is yet another attempt to have errors on my consumer report corrected. According to 15 USC 1681i ( a ) ( 5 ), all unverified information must be promptly removed following the reinvestigations. You can see in your system that this account have previously been disputed without being thoroughly investigated, so I know they can not be verified or validated. XXXX XXXX is fraudulent. I demand that the account be removed.

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 2023-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I opened a dispute against Comenity Bank regarding the violation of my federally protected consumer protected rights and the requirements of the FCRA, that the company failed to comply with. 

As per the company 's own arbitration agreement, in instances where a dispute arises, this must be handled through binding arbitration, the company did not do such a thing. 

As per the company 's own terms and conditions, they will not sell my information to any third parties, which they did when they sold my information to the various consumer reporting agencies, without my written consent. I did not receive the Gramm Leach Bliley Act disclosure, as necessary by Federal Law. 

I requested all accounting history related to this account, from account opening until account was closed, which also is a federal violation, related to committing adverse action against a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
I sent the letter off on XX/XX/2023. To remove personal information that I don't want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 
These are clear violations of my federally protected consumer rights This is a defamation to my character

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 2023-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Dear XXXX, I am writing to dispute an inquiry on my credit report that was made on XX/XX/2023 by a company called XXXX XXXX. 

In accordance with the fair credit reporting act. The inquiry above has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. 


The inquiry was made without my permission and has negatively impacted my credit score. I request that this inquiry be removed from my credit report immediately. 

I have reviewed my credit report and have determined that the inquiry was made by [ creditor/company ]. I have no knowledge of this inquiry and did not authorize it to be made. Therefore, it should not be reflected on my credit report. 

As you are aware, the Fair Credit Reporting Act requires that all information on a consumer 's credit report be accurate and verifiable. The inquiry in question is neither accurate nor verifiable, and as such, it must be removed from my credit report. 

I request that you investigate this matter and remove the inquiry from my credit report within 30 days. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Credit reporting, credit repair services, 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: IL

Complaint narrative:
Hard and soft inquires on my credit report i don't approve or validate. 

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 2023-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Hard and soft inquires on my credit report i don't approve or validate. 

fair credit reporting act

Company response to consumer: Closed with explanation