vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-03 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: FL

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: WI

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
LVNV Funding LLC has tried on several attempts to sue me for a debt collection that I ( 1 ) do not owe LVNV Funding LLC for, ( 2 ) I have no knowledge if who they are, ( 3 ) constantly sending people to my PREVIOUS address to deliver something for a law suit files against me by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: FL

Complaint narrative:
I sent out certified letter demanding immediate removal of those accounts provided in the letter attached which was back in XX/XX/year> which my demands was not met now I demand immediate removal & be compensated XXXX for violating my rights

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 2024-09-03 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: TX

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.

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 2024-09-03 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: MI

Complaint narrative:
Ive file several complaints with CFPB and disputed this account on several different attempts with both Experian and XXXX to get this issue resolved and this will be my LAST Attempt before taking matters to the courts. 

Experian and XXXX is in violation of my FCRA rights. Experian and XXXX are NOT verifying this account and flat out lie when they say they are. 

I have contacted the furnisher at the same address that Experian & XXXX both have listed on my report. I Also have WRITTEN DOCUMENTS from that furnisher stating that this account CANT be verified with them because they DO NOT Verify With ANY credit bureaus. So who are Experian and XXXX getting there information from if not the account furnisher?? 

Furthermore it is a violation of my FCRA 15 U.S. Code 1681b - Permissible purposes of con ( a ) In general Subject to subsection ( c ), any consume reporting agency may furnish a consumer under the following circumstances and no other 2 ) In accordance with the written instructions of the consumer report to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes I never gave Experian or XXXX any written consent to report anything on my consumer report. 

Instead of DELETING the account when I originally disputed in XX/XX/year>. Experian and XXXX constantly state they will send results in mail and generate the same Verified As Accurate letter with NO written proof or procedures on how they verified. Which further lets me know its not being verified.

By law this account must be DELETED & I expect this to be done 5 days of receiving this complaint DO NOT send me a generic message! DO NOT tell me it was verified as accurate, without WRITTEN PROOF of where you got this information or my next step will be seek monetary damages in small claims courts!

Attachments : 1 ) My letter to the furnisher asking for proof 2 ) the furnisher written response that they do not verify 3 ) third party XXXX account deletion due to violation

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 2024-09-03 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: RentDebt Automated Collections, LLC
State: AZ

Complaint narrative:
The incident occurred on XX/XX/23. I, XXXX XXXX left to the store and my cousin XXXX XXXX had started cooking using oil and went to the restroom and by the time he came out the restroom he had seen flames so he proceeded to use water and it made the fire grow a tad bigger and was able to get the fire out by the time the fire department came the sprinklers had flooded the apartment. It was minimal damage done to the apartment. The microwave was damaged and there was a hole in the wall from the fire department. When I came back I helped clean and vacuum the water out of the carpet and the apartments also assisted with some heavy duty suction machines that had to be ran 24-7 for about two weeks.They served me an eviction notice to be on the XXXX of XXXX and I was out of the XXXX I am XXXX so my family helped me and I was able to get a lawyer to get my case dismissed. I was not home during the fire and I also have a statement from XXXX stating he is responsible for the charges. This was just put on my credit a year later which I dont understand why.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: WI

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED 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 explanation
Consumer complaint received 2024-09-03 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: WI

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED 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 explanation
Consumer complaint received 2024-09-03 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: NY

Complaint narrative:
15 USC 1681b Clearly states Any consumer reporting agency may furnish a consumer a report under the following circumstances and no other. In accordance with the written instruction of the consumer. That's aggravated Identity Theft 18 USC 1028A, you have possession and are using my information without my consent. 15 USC 6802 A Financial Institution may not disclose non-public personal information to a non-affiliated third party unless they give you the CONSUMER the opportunity to exercise your right to OPT-OUT. Please remove all accounts on my report that has been Illegally publicized without my consent. Thank you for your time and patience. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Amount {$970.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: NY

Complaint narrative:
15 USC 1681b Clearly states Any consumer reporting agency may furnish a consumer a report under the following circumstances and no other. In accordance with the written instruction of the consumer. That's aggravated Identity Theft 18 USC 1028A, you have possession and are using my information without my consent. 15 USC 6802 A Financial Institution may not disclose non-public personal information to a non-affiliated third party unless they give you the CONSUMER the opportunity to exercise your right to OPT-OUT. Please remove all accounts on my report that has been Illegally publicized without my consent. Thank you for your time and patience. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Amount {$970.00}

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 2024-09-03 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: FL

Complaint narrative:
This is the third time this year that Experian has dramatically dropped points off of my credit score ( XXXX points ) when I have no late payments, no credit card balances, no missed payments. Please fix this unfair scoring immediately. 3 times this has happened this year and no one can tell me why.

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 2024-09-03 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: MN

Complaint narrative:
I didn't consent or signed off on any debt to be handled by a third party. I also paid off debt that still shows on my credit which should of been deleted. Also to include that my social has been breached as well as millions others like me who are now under 15 usc 1681 because of this. Which Disclosure of consumer reports Consumer reporting agencies can not prohibit users from disclosing the contents of a consumer report to the consumer, in which they have.

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 2024-09-03 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: FL

Complaint narrative:
this company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me. Failure to respond back to me and provide information. This inaccurate information has tarnish my life into pieces

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 2024-09-03 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: MI

Complaint narrative:
Ive file several complaints with CFPB and disputed this account on several different attempts with both XXXX and TransUnion to get this issue resolved and this will be my LAST Attempt before taking matters to the courts. 

XXXX and TransUnion is in violation of my FCRA rights. XXXX and TransUnion are NOT verifying this account and flat out lie when they say they are. 

I have contacted the furnisher at the same address that XXXX & TransUnion both have listed on my report. I Also have WRITTEN DOCUMENTS from that furnisher stating that this account CANT be verified with them because they DO NOT Verify With ANY credit bureaus. So who are XXXX and TransUnion getting there information from if not the account furnisher?? 

Furthermore it is a violation of my FCRA 15 U.S. Code 1681b - Permissible purposes of con ( a ) In general Subject to subsection ( c ), any consume reporting agency may furnish a consumer under the following circumstances and no other 2 ) In accordance with the written instructions of the consumer report to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes I never gave XXXX or TransUnion any written consent to report anything on my consumer report. 

Instead of DELETING the account when I originally disputed in XX/XX/year>. XXXX and TransUnion constantly state they will send results in mail and generate the same Verified As Accurate letter with NO written proof or procedures on how they verified. Which further lets me know its not being verified.

By law this account must be DELETED & I expect this to be done 5 days of receiving this complaint DO NOT send me a generic message! DO NOT tell me it was verified as accurate, without WRITTEN PROOF of where you got this information or my next step will be seek monetary damages in small claims courts!

Attachments : 1 ) My letter to the furnisher asking for proof 2 ) the furnisher written response that they do not verify 3 ) third party XXXX account deletion due to violation

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 2024-09-03 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: MI

Complaint narrative:
Ive file several complaints with CFPB and disputed this account on several different attempts with both XXXX and TransUnion to get this issue resolved and this will be my LAST Attempt before taking matters to the courts. 

XXXX and TransUnion is in violation of my FCRA rights. XXXX and TransUnion are NOT verifying this account and flat out lie when they say they are. 

I have contacted the furnisher at the same address that XXXX & TransUnion both have listed on my report. I Also have WRITTEN DOCUMENTS from that furnisher stating that this account CANT be verified with them because they DO NOT Verify With ANY credit bureaus. So who are XXXX and TransUnion getting there information from if not the account furnisher?? 

Furthermore it is a violation of my FCRA 15 U.S. Code 1681b - Permissible purposes of con ( a ) In general Subject to subsection ( c ), any consume reporting agency may furnish a consumer under the following circumstances and no other 2 ) In accordance with the written instructions of the consumer report to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes I never gave XXXX or TransUnion any written consent to report anything on my consumer report. 

Instead of DELETING the account when I originally disputed in XX/XX/2023. XXXX and TransUnion constantly state they will send results in mail and generate the same Verified As Accurate letter with NO written proof or procedures on how they verified. Which further lets me know its not being verified.

By law this account must be DELETED & I expect this to be done 5 days of receiving this complaint DO NOT send me a generic message! DO NOT tell me it was verified as accurate, without WRITTEN PROOF of where you got this information or my next step will be seek monetary damages in small claims courts!

Attachments : 1 ) My letter to the furnisher asking for proof 2 ) the furnisher written response that they do not verify 3 ) third party XXXX account deletion due to violation

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 2024-09-03 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: CA

Complaint narrative:
After reviewing my credit report again, I discovered additional fraudulent accounts that I did not authorize. I have already reported the initial fraud to the Federal Trade Commission, but these new fraudulent items are still on my report and pose a risk of further unauthorized activity.

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 2024-09-03 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: OH

Complaint narrative:
i had asked equifax for a credit freeze and an pit out and was denied i had filed an identinty theft report with the FTC and asked for a freeze and opt out from all 3 creditors and i recieved a letter today from equuifax saying that they will not be blocking my information this is unacceptable i was scameed oeople got a copy of my id ss card and is destorying my credit as we speak.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
To date I have been unable to reach ChexSystems via phone regarding the urgent removal of the freeze in my report. I am attempting to open a bank account and this must be removed urgently. I am advised that a PIN has been mailed but this matter is time urgent and Ive yet to receive this PIN. 

Further I must dispute items on my report and need to speak immediately to someone in senior management to do so. 

Kindly ensure ChexSystems senior management contacts me urgently at XXXX to ensure the removal of this freeze and dispute assistance. 

Thank you kindly.

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 2024-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I have two accounts one with no money other with money I need that asap owner of XXXX XXXX XXXX business thank you ....

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 2024-09-03 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 ACCOUNT # XXXX. XXXX XXXX XXXX XXXX  XXXX, HAS VIOLATED MY RIGHTS. F 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

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