vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-08 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: CA

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- schools ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX NAME : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX ACCOUNT NAME : 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 2024-03-08 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:
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- schools ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX NAME : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX ACCOUNT NAME : 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 2024-03-08 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: IN

Complaint narrative:
I am writing to bring to your attention a matter that requires urgent resolution. Despite many reminders and past due notices, the outstanding balances on these accounts have not been addressed in a timely manner. 

I have always strived to ensure prompt payment for the goods and services provided. However, I have recently observed a significant delay in the processing of payments and the consequent updating of account statuses. 

This delay not only impacts my financial records but also raises concerns regarding the efficiency of your account management system. It is essential for me, as well as for the smooth functioning of our business relationship, that these outstanding accounts be promptly corrected and brought up to date. 

Therefore, I kindly request that immediate action be taken to rectify this situation. I expect all late open accounts associated with my account to be promptly reviewed, corrected, and updated to reflect the accurate payment status. 

Additionally, I would appreciate regular communication regarding the progress made in resolving this matter. Please inform me of any steps taken to expedite the correction process and ensure that such delays do not occur in the future. With this, I am asking for your assisstance to correct these accounts in my credit file : XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00}.

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 2024-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
This is NOT a request for verification or proof of my mailing address or any other personal identifiers, but a request for VALIDATION made pursuant to the above named Titles and Sections. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have reported invalidated information to any of the three major credit bureaus ( Equifax, XXXX, and XXXX XXXX ) ; this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act and Defamation of Character. It would be constructive for you to note that the FCRA ( Fair Credit Reporting Act ) section 609 ( c ) ( 2 ) ( E ) states : " a consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or can not be verified. The can not be verified is the key phrase, as you can see. Since I challenged you and your staff to verify, and you can not, that means all financial institutions and credit reporting agencies concerned with my account are required to remove any derogatory information. It can not be deemed accurate if it can not be verified. If it can not be verified, then it is required to be removed, according to the FCRA. 

Account Name XXXX Account # XXXX 
Date Opened. 
XX/XX/XXXX. 
Balance Owed. 
{$1400.00}. 

Account Name XXXX Account # XXXX. 
Date Opened. 
XX/XX/XXXX. 
Balance Owed. 
{$1000.00}. 
Account Name XXXX XXXX XXXX XXXX 
Account # XXXX. 
Date Opened. 
XX/XX/XXXX. 
Balance Owed. 
{$810.00}. 

Account Name XXXX. 

Account # XXXX. 
Date Opened. 
XX/XX/XXXX. 
Balance Owed. 
{$1600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Transworld Systems INC XXXX XXXX XXXX, XXXX, XXXX  XXXX, XXXX Dear Transworld Systems Inc XXXX This letter is in response to your Negative Trademark on my credit report with the credit bureaus on XX/XX/year>. I am aware that your company has the ability to report this debt to the credit bureaus as you deem necessary. As a consumer I also have the right to dispute or bring to light anything on my report that may be negatively suppressing my credit. I have paid off the debt in full and have been very cooperative throughout the whole process for you all. This mark on my credit is very detrimental to my future endeavors and credit reporting. I am requesting a deletion of the trademark. This account has been paid in full and should not be reflecting negative on my credit files. Being reflected as Paid in full is not sufficient enough when it comes to renting and building a future. I am maintaining a careful record of my communications with you for the purpose of FDCPA purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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 have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
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 explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to emphasize the credit bureau 's repeated negligence in addressing accounts resulting from identity theft, posing a significant threat to my financial security. As a victim, I am entitled to the removal of these accounts, backed by FCRA regulations, and your continued inaction is unacceptable. This letter serves as a final warning ; immediate action is required to prevent legal consequences, and my attorney is prepared to ensure accountability for willful noncompliance. XXXX XXXX XXXX Date Opened : XX/XX/XXXX, XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX. Please remove.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to emphasize the credit bureau 's repeated negligence in addressing accounts resulting from identity theft, posing a significant threat to my financial security. As a victim, I am entitled to the removal of these accounts, backed by FCRA regulations, and your continued inaction is unacceptable. This letter serves as a final warning ; immediate action is required to prevent legal consequences, and my attorney is prepared to ensure accountability for willful noncompliance. XXXX XXXX XXXX Date Opened : XX/XX/XXXX, XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX. Please remove.

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 2024-03-08 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: CA

Complaint narrative:
I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Klima, Peters & Daly, P.A.
State: MD

Complaint narrative:
XXXX XXXX XXXX is a third party company who, brought off a XXXX XXXX XXXX XXXX Account from another 3rd party company from XXXX. The account is an old charge off from XXXX into XXXX with XXXX XXXX XXXX. Who XXXX XXXX XXXX, states on a letter sent out XX/XX/XXXX that XXXX XXXX XXXX XXXX is the original account owners. 
The 3rd party company in XXXX must have sold XXXX XXXX  the XXXX XXXX XXXX XXXX XXXX as of XX/XX/XXXX in order for this attorney office Klima Peters & Daly Pa XXXX XXXX XXXX XXXX  to submit a threatening letter on a charged off account. 
The updated information on my credit report made it seem as if this is a brand new account but, its a charge off originated from another company. When I had no dealings with any third party companies in order for them to retrieve my social security number to update my credit report with their information. Which is a fraudulent attempt to collect a debt on a charged off collection account. The letter to receive monetary on an account that I never did business with their company nor has XXXX XXXX XXXX XXXX contacted me in three years to dispute these actions. It would be considered fraudulent to input on my credit report they were a collection company I had an account with as of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
My wallet was lost XXXX, I filed. police report and notify the credit bureau .There were account added to my credit report that is fraudulent. I immediately notify the credit bureau about this account to get this investigation. These accounts has been investigated multiple times. I am very upset XXXX XXXX XXXX never had a account with this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 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: IN

Complaint narrative:
I am writing to bring to your attention a matter that requires urgent resolution. Despite many reminders and past due notices, the outstanding balances on these accounts have not been addressed in a timely manner. 

I have always strived to ensure prompt payment for the goods and services provided. However, I have recently observed a significant delay in the processing of payments and the consequent updating of account statuses. 

This delay not only impacts my financial records but also raises concerns regarding the efficiency of your account management system. It is essential for me, as well as for the smooth functioning of our business relationship, that these outstanding accounts be promptly corrected and brought up to date. 

Therefore, I kindly request that immediate action be taken to rectify this situation. I expect all late open accounts associated with my account to be promptly reviewed, corrected, and updated to reflect the accurate payment status. 

Additionally, I would appreciate regular communication regarding the progress made in resolving this matter. Please inform me of any steps taken to expedite the correction process and ensure that such delays do not occur in the future. With this, I am asking for your assisstance to correct these accounts in my credit file : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX  Balance Owed : {$0.00}.

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 2024-03-08 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: IN

Complaint narrative:
I am writing to bring to your attention a matter that requires urgent resolution. Despite many reminders and past due notices, the outstanding balances on these accounts have not been addressed in a timely manner. 

I have always strived to ensure prompt payment for the goods and services provided. However, I have recently observed a significant delay in the processing of payments and the consequent updating of account statuses. 

This delay not only impacts my financial records but also raises concerns regarding the efficiency of your account management system. It is essential for me, as well as for the smooth functioning of our business relationship, that these outstanding accounts be promptly corrected and brought up to date. 

Therefore, I kindly request that immediate action be taken to rectify this situation. I expect all late open accounts associated with my account to be promptly reviewed, corrected, and updated to reflect the accurate payment status. 

Additionally, I would appreciate regular communication regarding the progress made in resolving this matter. Please inform me of any steps taken to expedite the correction process and ensure that such delays do not occur in the future. With this, I am asking for your assisstance to correct these accounts in my credit file : XXXXXXXX XXXX XXXX XXXX  Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
This is NOT a request for verification or proof of my mailing address or any other personal identifiers, but a request for VALIDATION made pursuant to the above named Titles and Sections. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have reported invalidated information to any of the three major credit bureaus ( XXXX, Experian, and XXXX XXXX ) ; this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act and Defamation of Character. It would be constructive for you to note that the FCRA ( Fair Credit Reporting Act ) section 609 ( c ) ( 2 ) ( E ) states : " a consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or can not be verified. The can not be verified is the key phrase, as you can see. Since I challenged you and your staff to verify, and you can not, that means all financial institutions and credit reporting agencies concerned with my account are required to remove any derogatory information. It can not be deemed accurate if it can not be verified. If it can not be verified, then it is required to be removed, according to the FCRA. 

Account Name XXXX Account # XXXX. 
Date Opened. 
XX/XX/XXXX. 
Balance Owed. 
{$1400.00}. 

Account Name XXXX Account # XXXX. 
Date Opened. 
XX/XX/XXXX. 
Balance Owed. 
{$1000.00}. 
Account Name XXXX XXXX XXXX XXXX 
Account # XXXX. 
Date Opened. 
XX/XX/XXXX. 
Balance Owed. 
{$810.00}. 

Account Name XXXX. 

Account # XXXX. 
Date Opened. 
XX/XX/XXXX. 
Balance Owed. 
{$1600.00}.

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 2024-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not provide authorization or instructions for the incorporation of these transactions into my consumer report. As a result, I formally request the blocking and elimination of these accounts. I want to emphasize that this request is devoid of any errors or misrepresentation of pertinent facts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am submitting another complaint because I am once again stating that I have sent multiples letters for half of a year requesting that the information be removed and updated. From XX/XX/XXXX until XX/XX/XXXX. The information has not been updated at all. And not has been updated. 

I have already sent multiple letters requesting the information to be removed and to be verified. And you ask me to continue to do it The response giving to me on XX/XX/XXXX was to re-submit disputes. The doesnt make sense to do that. My rights are being completely violated. I am not submitting anymore letters and I am seeking litigation if the information previously requested is updated and removed. 

XXXX XXXX XXXX is a resold debt from a different debt collector. And they are trying to collect a debt from XXXX, and on my XXXX Report, another debt collector is trying to collect on a debt from XXXX of the same account. Which is completely illegal. I pulled the information from the Experian app and printed the reports. 

XXXX has no documentation saying that I have agreed to pay that debt they are collecting on the behalf of XXXX XXXX. They will not provide information of registered agent of service, obligation of debt with my signature on it of agreeing to pay. 

Youre violating my rights and the FCRA federal 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