vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-21 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: AL

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 168b permissible purposes of consumer reports. 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. 

inquiry was not authorized XXXX XXXX inquiry was not authorized XXXX XXXX inquiry was not authorized XXXX inquiry was not authorized XXXX inquiry was not authorized XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681b - Permissible Purposes of Consumer Reports : This section outlines that consumer reports can only be furnished under specific conditions. My rights to privacy and confidentiality have been violated as my report was accessed or shared without permissible purpose.

15 U.S.C. 1681s-2 ( a ) ( 1 ) - Responsibilities of Furnishers of Information : This statute prohibits the furnishing of any information to a consumer reporting agency that is known to be inaccurate or has not been verified. [ Name of Furnisher/Creditor ] has furnished information that is either inaccurate or unverifiable.

15 U.S.C. 1681 Section 602 ( a ) ( 4 ) - Right to Privacy : The statute emphasizes the need for consumer reporting agencies to handle consumer information with fairness, impartiality, and respect for the consumer 's right to privacy. This has not been upheld in my case.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) - Requirement for Written Consent : This section specifies that a consumer reporting agency can not furnish a consumer report without the consumer 's written instruction. I did not provide written consent for the inquiry or account listed.

15 U.S.C. 1681c ( a ) ( 5 ) - Prohibition of Obsolete Information : This section prohibits the reporting of adverse information older than seven years ( except for records of convictions ). The report in question contains outdated or irrelevant 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 non-monetary relief
Consumer complaint received 2024-09-21 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: AL

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 168b permissible purposes of consumer reports. 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. 

inquiry was not authorized XXXX XXXX inquiry was not authorized XXXX XXXX inquiry was not authorized XXXX inquiry was not authorized XXXX inquiry was not authorized XXXX Account Name : XXXX Account Number : XXXX Account XXXX : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681b - Permissible Purposes of Consumer Reports : This section outlines that consumer reports can only be furnished under specific conditions. My rights to privacy and confidentiality have been violated as my report was accessed or shared without permissible purpose.

15 U.S.C. 1681s-2 ( a ) ( 1 ) - Responsibilities of Furnishers of Information : This statute prohibits the furnishing of any information to a consumer reporting agency that is known to be inaccurate or has not been verified. [ Name of Furnisher/Creditor ] has furnished information that is either inaccurate or unverifiable. 

15 U.S.C. 1681 Section 602 ( a ) ( 4 ) - Right to Privacy : The statute emphasizes the need for consumer reporting agencies to handle consumer information with fairness, impartiality, and respect for the consumer 's right to privacy. This has not been upheld in my case.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) - Requirement for Written Consent : This section specifies that a consumer reporting agency can not furnish a consumer report without the consumer 's written instruction. I did not provide written consent for the inquiry or account listed.

15 U.S.C. 1681c ( a ) ( 5 ) - Prohibition of Obsolete Information : This section prohibits the reporting of adverse information older than seven years ( except for records of convictions ). The report in question contains outdated or irrelevant 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 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Improper use of my credit report. In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states I have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late foranypurpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In response to the CFPB complaint # XXXX - XXXX This a formal dispute again, XXXX XXXX, you have insulted my intelligence for the last time, because a consumer reads and comprehends and is able to put dispute letters together you feel like stall tactics are away to disrespect my character by stalling and claiming that this letter is from a credit repair agency, let me be very clear with you. I am an educated consumer and this is a formal dispute again. Because I will not be addressing this matter a 3rd time, the 3rd response from me will be legal action. So I implore you to send this to your legal department or whichever department that can handle my disputes correctly. Your Job is to correct inaccurate information on the consumer reports not tell me who Im working with or that I can do it myself. 15 USC 1681s-2 ( 8 ) ( G ) whether i choose a credit repair organization or not it is none of your business. The information that your furnishing as late is inaccurate, your furnishings is not in compliance with 15 USC 1666b and Im requesting to prove that they did what 1666b required an order to furnish a late payment and to see if there in compliance with 15 USC 1681s-2 ( 8 ) ( E ) ( 3 ). Because in accordance 15 USC 6802 GLBA I have the right to opt out, and I have to give consent. Upon the receipt of documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt Attention and Response are both requested and required. I went to a notary and sign these documentation in front of the with your games. XXXX  XXXX Account # XXXX Signature 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 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In response to the CFPB complaint # XXXX - XXXX This a formal dispute again, XXXX XXXX, you have insulted my intelligence for the last time, because a consumer reads and comprehends and is able to put dispute letters together you feel like stall tactics are away to disrespect my character by stalling and claiming that this letter is from a credit repair agency, let me be very clear with you. I am an educated consumer and this is a formal dispute again. Because I will not be addressing this matter a 3rd time, the 3rd response from me will be legal action. So I implore you to send this to your legal department or whichever department that can handle my disputes correctly. Your Job is to correct inaccurate information on the consumer reports not tell me who Im working with or that I can do it myself. 15 USC 1681s-2 ( 8 ) ( G ) whether i choose a credit repair organization or not it is none of your business. The information that your furnishing as late is inaccurate, your furnishings is not in compliance with 15 USC 1666b and Im requesting to prove that they did what 1666b required an order to furnish a late payment and to see if there in compliance with 15 USC 1681s-2 ( 8 ) ( E ) ( 3 ). Because in accordance 15 USC 6802 GLBA I have the right to opt out, and I have to give consent. Upon the receipt of documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt Attention and Response are both requested and required. I went to a notary and sign these documentation in front of the with your games. XXXX  XXXX Account # XXXX Signature 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 explanation
Consumer complaint received 2024-09-21 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: OH

Complaint narrative:
I received a copy of my credit reports and am writing to dispute these fraudulent accounts following information that appears on my XXXX, Transunion, and XXXX report for fraud. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1000.00} XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$360.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$2100.00} Inquiries XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXXXXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX 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 2024-09-21 00:00:00
Product: Credit reporting 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: PA

Complaint narrative:
I have filed a fraud report # XXXX with for these unauthorized Inquiries on my consumer credit report please delete them thank you. I havent received anything from these inquiries because I never authorized 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

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 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: AK

Complaint narrative:
Hello, On XX/XX/XXXX, I received an alert that my credit score changed, so when I logged into my XXXX XXXX account, I saw that my score had dropped XXXX points. I thought that was strange, so when I looked at what happened, it said that I had a change in debt. I looked at all my " debt '' and it had nearly doubled. I thought that was extremely strange and the worst possibility was that I potentially had identity theft. I checked to see the debt I had and quickly realized that nearly all of my student loans had been listed on my XXXX report twice. My other credit score for XXXX was unchanged. XXXX XXXX lists 8 new MOHELA/DOFED accounts detected. I've had the same student loans since XXXX when I graduated, but my account says there are 8 new accounts open since XX/XX/XXXX. I know there are issues with the litigations going on, but my loans were placed in forbearance and are still in forbearance. I'm complaining because MOHELA has been difficult to work with in the past, and I'd like to start a formal paper trail for this occurrence. I'm also not sure if the issue is XXXX, but I want to get to the bottom of this. 

Checking my FEDERAL STUDENT AID account, I owe {$24000.00} in student loans, which is accurate. I took out the maximum federal loans for my XXXX XXXX. I earned an XXXX award in XXXX and paid off a little over {$6000.00} on a XXXX XXXX. One loan was paid off ( about {$1800.00} ) before I XXXX XXXX in XXXX. My XXXX credit report now says I owe {$49000.00}. That's nearly double my actual student loan amount. I have not taken out any other student loans, nor have my loans had enough time to double in interest, as it is only XXXX and they've been at 0 % interest for a few years since XXXX. Also, they're federal loans, so the rates were already around only 5-7 %. ( I'm just stating the obvious ). I am going to work on disputing the duplicity, but again, I want to document this egregious and ridiculous error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: MS

Complaint narrative:
VALIDATION AND CEASE AND DESIST National Credit Adjusters XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear National Credit Adjusters LLC, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
I am request the removal of an inquiry listed on my credit report that was made by your organization. This inquiry is not confirmed and lacks verifiable evidence. In accordance with the Fair Credit Reporting Act, specifically 15 U.S.C. 1681 et seq., Section 604, I request that you provide **physically certified verified proof** demonstrating the legitimacy of this inquiry. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Once this has been resolved, please send me an updated copy of my credit report reflecting these changes. 
Thank you for your attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions 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.

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 2024-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
I initially made a complaint about XXXX  XXXX about an account on my report that violated a number of my rights, and they removed the account from my reports but immediately sold it to this company. Many of my rights were violated and the account shouldve never been on my report to begin with. I have requested validation of said debt from this company given that I have no contract, no ties, with this company. The debt is not mine. I do not owe them, yet they keep harassing and XXXX  me at all times of day. They call me from multiple phone numbers up to 4-5 times a day and text me nearly every other day. Ive received mail from them as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
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.

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