vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Debt is not mine and was previously removed from my credit report due to fraud. Portfolio Recovery Llc keeps calling me several times a day even though I have asked them to stop calling me. They even filed a fraudulent lawsuit knowing that the dent is not mine that was dismissed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
After reviewing my credit report I have discovered erroneous information that are not associated with me. I did not authorize the reporting of this information on my credit profile, and it is significantly impacting my life. I kindly seek your assistance in resolving this matter promptly.

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 2023-05-31 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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX  XXXX : # XXXX, XXXX XXXX  : # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
currently trying to secure a home loan for my family, I have reached out to the company in XXXX to go over some things that were inaccurate on my credit. I have sent multiple letters now and have yet to receive any kind of response

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 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: TN

Complaint narrative:
XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 resident verify XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 transunion XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX of XXXX XX/XX/2022 transunion XXXX  XXXX XXXX XX/XX/2022 transunion XXXX XX/XX/2022 XXXX XXXX XXXX  XXXX transunion XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XX/XX/2022, XXXX XXXX - XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX  Credit Cards XX/XX/2022 I have tried to dispute these inquiries but they have not removed them i do not recognize these at all and need them to 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 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
FALSE/INACCURATE INFORMATION I reviewed my credit report today and noticed there is some incomplete and inaccurate information being furnished by XXXX XXXX XXXX. On my consumer report, you are describing this account type as a loan when in fact, this alleged arrangement is acknowledged by the governing laws as a credit sale. There is not now, or have never, been a loan agreement in place. Under any premise were goods or money loaned to me, the alleged debtor. It is a direct violation of FCRA to knowingly furnish or report false and incomplete information. Please delete this item within the allowing timeframe pursuant FCRA. ACCOUNT XXXX XXXX Failure to comply with these demands will result in a formal civil and/or criminal complaint being initiated. Please mail an updated copy of my credit report to the above listed address upon removal of violating information.

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 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
FALSE/INACCURATE INFORMATION I reviewed my credit report today and noticed there is some incomplete and inaccurate information being furnished by XXXX XXXX XXXX. On my consumer report, you are describing this account type as a loan when in fact, this alleged arrangement is acknowledged by the governing laws as a credit sale. There is not now, or have never, been a loan agreement in place. Under any premise were goods or money loaned to me, the alleged debtor. It is a direct violation of FCRA to knowingly furnish or report false and incomplete information. Please delete this item within the allowing timeframe pursuant FCRA. ACCOUNT XXXX XXXX Failure to comply with these demands will result in a formal civil and/or criminal complaint being initiated. Please mail an updated copy of my credit report to the above listed address upon removal of violating information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31 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 am writing to let you know your agency is in violation of the Fair Credit Reporting Act. 
I have spoke with a Consumer Law Attorney and have studied the FCRA as well as the CFPB Advisory opinions for FACT checking.

What I learned is the items on my credit report should not be reporting at all without my consent. The only person to give consent is the consumer and that is me!! 

You are allowing improper use of credit reporting against what LAW has written. The consumer controls the credit reporting not the agency.

It is the policy of congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public personal information. 

I XXXX XXXX, did not CONSENT to any bank or agency to report 15 USC 6802 ( B ) A financial institution may not disclose non personal information to a non affiliated third party unless ( A ) such financial institution clearly and conspiculously provides to the consumer in writing or in electronic form or other form. 

I DEMAND the items listed below be DELETED from my consumer report. 

1 ) XXXX XXXX XXXX XXXX XXXX 
XXXX ) XXXX XXXX XXXX XXXX XXXX I am a litigious consumer and will seek legal representation defending my right to PRIVACY if these items are not 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 explanation
Consumer complaint received 2023-05-31 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: Experian Information Solutions 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. 

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 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 2023-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am writing to request that you refrain from reporting a single late payment on my account during the global pandemic. This incident should not negatively impact my credit history, especially considering that my credit card currently holds a XXXX balance. 

Given the unprecedented circumstances of the pandemic, I believe it is crucial to consider the extenuating factors surrounding this late payment. I have been a responsible customer, consistently making timely payments before the pandemic. However, the financial challenges brought upon by the crisis significantly affected my ability to meet this particular payment obligation. 

I kindly ask for your understanding and compassion by not reporting this late payment to the credit bureaus. By doing so, you would prevent any unnecessary harm to my credit history, which I have worked hard to maintain. This exception would provide me with a fair chance to recover financially and ensure that my creditworthiness is not unfairly compromised by a single isolated incident. 

I value my relationship with Capital One and hope that you will consider my request. Thank you for your attention to this matter, and I look forward to a favorable resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 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: NY

Complaint narrative:
Inaccurate Inquiries on Credit Report XXXX  ( Finance ) XX/XX/2022 XXXX  XXXX XXXX  ( Bank ) XX/XX/2022 XXXX ( Finance ) XX/XX/2022 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 2023-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I implore you to promptly update my account as I have consistently made timely payments

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 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been working on my EQUIFAX credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. The INCORRECT Address that should be deleted are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( EQUIFAX, XXXX XXXX XXXX XXXX do not have my written permission and this should be removed accordingly. I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 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 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. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31 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: NC

Complaint narrative:
I have contacted XXXX, XXXX, & Transunion in writing and provided documentation that my mortgage with XXXX XXXX  was not late in early 2023. XXXX XXXX  had misapplied several payments as " principal only '' which lead to a delinquent status showing in XXXX or XX/XX/2023. This has since been corrected on their end, and the documentation has been provided to XXXX, XXXX, & Transunion. 

XXXX, XXXX, & Transunion is responding with form letters stating the account history has been updated but has failed to actually update the acct history. This is causing my family financial harm. 

We have had an unrelated account closed due to this inaccurate information which remains on my credit report and are continuing to suffer financial harm due to the impact this has on our credit score.

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 2023-05-31 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: 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. 

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 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 2023-05-31 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: 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. 

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 non-monetary relief
Consumer complaint received 2023-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I implore you to promptly update my account as I have consistently made timely payments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On or about XX/XX/XXXX, someone hacked into my online account for XXXX credit cards and changed my address and ordered new cards, After sending the new address to Experian XXXX realized something was going on, they contacted me, we closed that account, and they issued new cards. Meanwhile, Experian sent out the fraudulent address to some of my creditors, and i was contacted by XXXX XXXX, who told me that they had received this fake info from Experian. I called Experian and requested my credit report, they sent it and i disputed the 'new ' address ( and a few other small things ). Instead of deleting the new address, they deleted my real address that i have had for over 40 years. Getting hold of them on the phone took hours each time and i'd get different info every time i called- they rarely could find evidence of previous call ( but sometime did! ) - they told me to dispute the new address and ask for the old one to be reinstated- i sent what they asked for several times- they sent new credit reports each time, having not done what i asked - and each time i called - the usual answer was : send it again, or saying : I don't know why it wasn't done - or that they could fix it if i resent the info, or that they couldn't do it until my creditors where notified. I received about notices or new credit report from them and finally, on XX/XX/XXXX they sent me one with the real address restored. Let me add : at least twice, i asked to talk to a supervisor, and was told none were available, that they would have one call me- and i NEVER got a call back.Either these people are incompetent, or trained to be stupid. At one point the guy could not find their copy of the report that had been sent to me -- he put me on hold several time to look or to find a supervisor -- the last time he did that, the call got dropped- i called back and that person found the report in about 10 seconds - and she was one of the people that promised me a call back, but none came. I wasted hours of my time, and theirs ( which likely only raised the costs of doing business, passed on to customers like me and others who then have to deal with their incompetence -- their should be fines for such things

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