vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

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 2024-07-13 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: VA

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 response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 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: IL

Complaint narrative:
I got this final complaint regarding XXXX XXXX on inquiry on XXXX XXXX I did not make or do I have idea who did XXXX XXXX XX/XX/2024 should be removed from my report attached fin report I filed thanks

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 2024-07-13 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: MA

Complaint narrative:
I been reviewing my credit file and notice XXXX XXXX  is reporting incorrect information to such consumer agencies. The payment history and dates are incorrect. I was never late to this account. Congress gives us laws to protect us from unfair credit methods and for us to be treated fair that our information is 100 % accurate all times. In accordance with the FCRA, this creditor has violated many of my rights. Under 15 usc 1681b2, you can not furnish any report without my consent. I never gave them permission to access my file, I am entitled to privacy. You can not furnish information knowingly incorrect to my file, must be deleted, under 15 usc 1681s2. After I disputed several times and no changes were made. They still are reporting wrong information to my file even after put on notice several times. 15 usc 1681a2ai, consumer reports do not include information solely about transactions or experiences between the consumer and the person making the report. Late payments and utilizations are considered transactions and experiences and should be deleted from file. Congress also states under 15 usc 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. I did not receive a statement 21 days before the late payment error. If the finance charge is included, there should be no late payments pursuant 15 usc 1605a, due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full. I requested to reinvestigate, and nothing changed. The payment history and delinquent date status still remain incorrect. Under 15 usc 1681i5ai, 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 delete or modify to accurate. These violations have negatively impacted my creditworthiness and financial stability. I urge the CFPB to investigate these infractions and ensure compliance with federal laws to protect consumers like myself. The my credit must maintain 100 % accuracy under 15 usc 1681eb Congress states.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 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: MA

Complaint narrative:
I been reviewing my credit file and notice XXXX XXXX is reporting incorrect information to such consumer agencies. The payment history and dates are incorrect. I was never late to this account. Congress gives us laws to protect us from unfair credit methods and for us to be treated fair that our information is 100 % accurate all times. In accordance with the FCRA, this creditor has violated many of my rights. Under 15 usc 1681b2, you can not furnish any report without my consent. I never gave them permission to access my file, I am entitled to privacy. You can not furnish information knowingly incorrect to my file, must be deleted, under 15 usc 1681s2. After I disputed several times and no changes were made. They still are reporting wrong information to my file even after put on notice several times. 15 usc 1681a2ai, consumer reports do not include information solely about transactions or experiences between the consumer and the person making the report. Late payments and utilizations are considered transactions and experiences and should be deleted from file. Congress also states under 15 usc 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. I did not receive a statement 21 days before the late payment error. If the finance charge is included, there should be no late payments pursuant 15 usc 1605a, due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full. I requested to reinvestigate, and nothing changed. The payment history and delinquent date status still remain incorrect. Under 15 usc 1681i5ai, 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 delete or modify to accurate. These violations have negatively impacted my creditworthiness and financial stability. I urge the CFPB to investigate these infractions and ensure compliance with federal laws to protect consumers like myself. The my credit must maintain 100 % accuracy under 15 usc 1681eb Congress states.

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 2024-07-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Forward Funding Group, Inc.
State: NJ

Complaint narrative:
Today, XX/XX/2024 at XXXX, I tried contacting Forward Funding at ( XXXX ) XXXX to see if I could apply for debt consolidation. After asking a few questions, I was asked my Social Security Number. The customer service worker on the phone then asked for my date of birth. Before I could respond, I was disconnected. 

Prior to this, the phone call had no connection issues. We heard each other perfectly fine. Given that I was already skeptical about calling given that I received a letter to apply in the mail, I am worried these are scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
RE : XXXX  BLOCK REQUEST TO whom it may concern, I am writing to advise that I am a victim of XXXX The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Accounts that are being challenged : XXXX XXXX Account number # XXXX XXXX XXXXXXXX XXXXXXXX XXXX  Account number # XXXX DEPT OF EDUCATIONXXXX account XXXX XXXX DEPT OF EDUCATION/XXXX  account XXXX XXXXXXXX DEPT OF EDUCATION/XXXX account XXXX XXXXXXXX DEPT OF EDUCATION/XXXX account XXXX XXXXXXXX DEPT OF EDUCATIONXXXX account XXXX XXXX DEPT OF EDUCATION/XXXX  account XXXX XXXXXXXX DEPT OF EDUCATION/XXXX account XXXX XXXXXXXX DEPT OF EDUCATION/XXXX account XXXX XXXXXXXX DEPT OF EDUCATION/XXXX account XXXX XXXX DEPT OF EDUCATION/XXXX account XXXX  XXXX DEPT OF EDUCATION/XXXX account XXXX XXXXXXXX DEPT OF EDUCATION/XXXX account XXXX XXXXXXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS , PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX IN PERSONS OR XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 | DOCKET NO. XXXX | XXXX XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
Contacted both original card holder and XXXX XXXX XXXX to inform it was a fraudulent account. 

Sent letters and informed credit bureaus that the account was fraudulent. 
Contacted XXXX XXXX XXXX and explained that the account was opened and payments were made from someone in Idaho. i have never been to Idaho.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
RE : XXXX BLOCK REQUEST TO whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX  Listed below are the Accounts that are being challenged : XXXX XXXX XXXXXXXX DEPT OF EDUCATIONXXXX  account # XXXX DEPT OF EDUCATION/XXXX account # XXXX DEPT OF EDUCATION/XXXX account # XXXX DEPT OF EDUCATIONXXXX account # XXXX DEPT OF EDUCATION/XXXX  account # XXXX DEPT OF EDUCATION/XXXX account # XXXX DEPT OF EDUCATION/XXXX  account # XXXX DEPT OF EDUCATION/XXXX account # XXXX DEPT OF EDUCATION/XXXX account # XXXX DEPT OF EDUCATION/XXXX  account # XXXX DEPT OF EDUCATIONXXXX account # XXXX DEPT OF EDUCATIONXXXX account # XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT . PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX IN PERSONS OR XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 | DOCKET NO. XXXX | XXXX XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: 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
Consumer complaint received 2024-07-13 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: American Credit Acceptance, LLC
State: OH

Complaint narrative:
My account is charged off. Ive been making payments every single week now to stay current my monthly payments is extremely high they wont work with me to refinance and get lower payments I am 1month behind and received a letter saying if I dont make a full payment within 4 days from now they will repossess the car without further notice

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
Under the doctrine Estoppel by silence, XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX, XXXX I may presume that no proof of the alleged debt, nor therefore any debt, in face exists. I have contacted LVNV Funding on a matter that pertains to my credit. I have been a victim of fraud. I sent LVNV Funding a certified letter via usps to validate this account asking to send original documents and a host of other things. I have not received any of the documents I requested. I have an 3 accounts on my credit that does not belong to me. I asked LVNV Funding to remove the unvalidated information and nothing was done. I have the receipt that I sent the letter via usps certified. Removing this account from all three credit bureaus ( XXXXXXXX XXXX XXXXXXXX ) is what needs to take place there is no validation. I take pride in my credit and I have a XXXX score on my credit bureaus. This fraudulent account is ruining my credit to the extreme. A consumer can not provide signed documentation for an fraudulent account that they never authorized but I also asked for a signed documentation bearing my signature that I agreed to pay LVNV Funding and the collection agencies could not provide that information. You purchased this debt from the original creditor. I am very aware how this process goes. You have no legal right in this matter. Send me the documents that I signed stating I owe LVNV Funding. You can not because this is not my debt nor do I owe LVNV Funding anything. I want this information removed IMMEDIATELY! DO NOT SEND COPIES! I NEED ORGINALS WITH MY SIGNATURE FROM LVNV Funding NOT WHOMEVER YOU BOUGHT THIS DEBT FROM THAT DOES NOT BELONG TO ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
sent out despite letters to all 3 credit bureaus, I got no response nor did they sent any proof of false accounts reported on my credit report

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 2024-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Under the doctrine Estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX I may presume that no proof of the alleged debt, nor therefore any debt, in face exists. There is several accounts on my credit file from Midland Credit Management. I have contacted Midland Credit Management on a matter that pertains to my credit. I have been a victim of fraud. I sent Midland Credit Management a certified letter via usps to validate this account asking to send original documents and a host of other things. I have not received any of the documents I requested. I have an account on my credit that does not belong to me. I asked Midland Credit Management to remove the unvalidated information and nothing was done. I have the receipt that I sent the letter via usps certified. Removing this account from all three credit bureaus ( XXXXXXXX XXXX XXXXXXXX ) is what needs to take place there is no validation. I take pride in my credit and I have a XXXX score on my credit bureaus. This fraudulent account is ruining my credit to the extreme. A consumer can not provide signed documentation for an fraudulent account that they never authorized but I also asked for a signed documentation bearing my signature that I agreed to pay Midland Credit Management and the collection agencies could not provide that information. You purchased this debt from the original creditor. I am very aware how this process goes. You have no legal right in this matter. Send me the documents that I signed stating I owe Midland Credit Management. You can not because this is not my debt nor do I owe Midland Credit Management anything. I want this information removed IMMEDIATELY! DO NOT SEND COPIES! I NEED ORGINALS WITH MY SIGNATURE FROM MIDLAND CREDIT MANAGEMENT NOT WHOMEVER YOU BOUGHT THIS DEBT FROM THAT DOES NOT BELONG TO ME!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-13 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: 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 explanation