vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Hello, I should only have XXXX name on address on file but Experian refuses to make the proper adjustments. Can you please make sure there is only XXXX name on there spelled : XXXX XXXX. And my only address on file should be XXXXXXXX XXXX XXXX XXXX MA, XXXX Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i, I am entitled to dispute inaccurate information on my credit report and request that it be corrected. Additionally, 15 USC 1666b requires that creditors and information furnishers ensure the accuracy and completeness of the information they provide to credit reporting agencies. Furthermore, 15 USC 1681c-2 ( Section 605B ) requires that any information related to fraudulent accounts must be removed if it is proven to be the result of identity theft. 
I request that you conduct a thorough review of the disputed information and delete these inaccuracies. Additionally, please provide me with written confirmation once the corrections have been made and notify the credit bureaus to update their records accordingly.

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 2024-08-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant Mercantile Agency
State: IL

Complaint narrative:
I never authorized my medical information to be released to this debt collector. Because the medical account is private information that should not be reported on this account because you're violating my privacy. This is a clear HIPAA violation due to its failure to comply with any aspect of HIPAA standards and provisions detailed in 45 CFR Parts 160, 162, and 164. I demand this account be deleted from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 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: KY

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 Account Number : XXXX I looked at my XXXX credit report on XX/XX/year> and noticed some things are not accurate and incomplete. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) or any information disputed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-25 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. 

Account name : XXXX  XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : # XXXX, Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 

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 2024-08-25 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. 

Account name : XXXX  XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : # XXXX, Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 

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 2024-08-26 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: CA

Complaint narrative:
I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. XXXX XXXXXXXX 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 2024-08-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Select Management Resources, LLC
State: FL

Complaint narrative:
I obtained a Title Loan from Instant Cash Loans On Car Title, Inc dba LoanMax located in XXXX, GA. According to the receipts they provided, their reporting address for the payments I made towards my account is XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. I obtained this loan back around XXXX of XXXX or XX/XX/XXXX. The loan amount was approximately {$2700.00}, upon receiving my taxes on or around XXXX of XXXX. I was informed by staff with this business that approximately {$3000.00} would close out my loan, which I was willing to pay at that moment. 

However, a management team member intervened, stating that I needed to pay approximately {$7000.00}. This was significantly an increased amount compared to my original pay-off amount that was previously mentioned to me without proper explanation. Unable to pay that amount, I made a {$1000.00} payment for my account and two additional payments ( {$73.00} on or about XXXX and {$690.00} on or about XXXX, attached documents ). However, the approximate {$900.00} payment that I made on or about XXXX of XXXX, I never received the confirmation of the payment from the business as I did previously. 

It is believed that this business purposely abused its business tactics to manipulate or take advantage of customers like myself fighting to survive in this economy. Placing obscene charges or fees on my account making it impossible for me to receive my title back. This has caused extreme mental anguish in my life. I have been XXXX XXXX XXXX XXXX XXXX XXXX XXXX over this matter. My vehicle can not be properly registered now because the business placed a hold on my title preventing me from being able to drive, take my children to school, attend medical appointments, attend religious events, and so on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Capital one stated here and on the better business bureau that the hard inquiry into my credit file was an error on their end and that the removal of that inquiry would be taken. However two years on the inquiry is still presented on my credit report as a hard inquiry. 
Please see attachment. 
Advise

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-08-25 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: TX

Complaint narrative:
i recently looked at my credit report XX/XX/XXXX from experian. I saw some hard inquiries that i did not have permissible purpose. 

XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX. XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  XXXX  Inquired on XX/XX/XXXX These inquiries have no permissible purpose to be on my report. Delete these inquiries due to violation of 15 USC 168 1b

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-08-26 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: GA

Complaint narrative:
I pulled my transunion credit report and noticed XXXX unauthorized/fraudulent inquires from XX/XX/year> XXXX XXXX XXXX I pulled my Equifax credit report and noticed XXXX unauthorized/fraudulent inquiries from XXXX XXXX -XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Oklahoma XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX XXXX, PA XXXX Demand for Deletion of Inaccurate Information and Compensation under the FCRA To Whom It May Concern, On XX/XX/XXXX, I mailed you a letter disputing certain information contained in my consumer report, which was compiled, maintained, and published by your agency. This dispute concerned the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a reasonable investigation into the disputed information and delete any inaccuracies within 30 days of receiving my dispute. 

Willfully Noncompliance is a FCRA Violation. Not to delete the disputed information and to conduct a reasonable investigation of my dispute is a Violation under the FCRA. There is no valid reason under the FCRA for you to refuse to reinvestigate my dispute. 
Nor have made any determination that my dispute was frivolous or irrelevant, nor have you sent me any notice of such determination, as required by the FCRA. Only that there was an investigation and that You meet FCRA requirements? Your failure to Produce Any Documentation That I Requested leaves no doubt that No Proof Of Debt means not Debt Exists! 

Furthermore, As a result I continue to directly dispute the completeness and/or accuracy of the information contained in my consumer file. Your failure to reinvestigate the matter constitutes an intentional and negligent violation of the FCRA. ( see attachment ) As a result of your conduct, I demand that you promptly delete the disputed information from my consumer report. 

Additionally, You have Continued to Violate many Statues as per the FCRA, 15 U.S.C. 1681n you are liable for damages due to your conduct. Therefore, I also demand that you issue a check in the amount of {$1000.00}, payable to the order of XXXX XXXX XXXX as compensation. 

Please be advised that as I said in my previous letter I am dealing with Medical Problems that Require me to utilize my Credit Worthiness. This is not another dispute or an opportunity for you to reinvestigate the previous dispute. The allowable period to conduct such a reinvestigation has expired and shall not be extended by law. 

You are required Within 14 days of receiving this letter to XXXX. ) Delete the disputed information from my consumer report. 
XXXX. ) Send me an updated copy of my consumer file. 
XXXX. ) Send my {$1000.00} check to my mailing address listed above. Failure to comply with these demands will leave me with no choice but to consider further legal action to enforce my rights under the FCRA. 


Sincerely, 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 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
Equifax refused to help with security issues regarding their login system which is hackable through password resetting leaving everyone vulnerable. 

The password resetting, Gives hackers all your login information and sends password reset links to Emails they specify without any security

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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: LA

Complaint narrative:
There are XXXX unauthorized credit inquiries that I would like removed from 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 non-monetary relief
Consumer complaint received 2024-08-26 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: LA

Complaint narrative:
There are XXXX unauthorized credit inquiries that I would like removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 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: LA

Complaint narrative:
There are XXXX  unauthorized credit inquiries that I would like removed from 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 non-monetary relief
Consumer complaint received 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-08-25 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: TX

Complaint narrative:
i recently looked at my credit report XX/XX/XXXX from experian. I saw some hard inquiries that i did not have permissible purpose. 

XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX. XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  XXXX  Inquired on XX/XX/XXXX These inquiries have no permissible purpose to be on my report. Delete these inquiries due to violation of 15 USC 168 1b

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 2024-08-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
i recently looked at my credit report XX/XX/XXXX from experian. I saw some hard inquiries that i did not have permissible purpose. 

XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX. XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  XXXX  Inquired on XX/XX/XXXX These inquiries have no permissible purpose to be on my report. Delete these inquiries due to violation of 15 USC 168 1b

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