vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-06 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: GA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me.

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 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am reaching out to seek assistance in addressing and reporting inaccurate accounts to my report. Despite diligent efforts, I have been unable to ascertain its origin or relevance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-06 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: TX

Complaint narrative:
I respectfully request that you conduct a thorough investigation into these discrepancies and take prompt action to correct the inaccuracies on my credit report. Furthermore, I kindly ask for written confirmation once the necessary corrections have been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Repeated failures to meet established deadlines and timelines for updates and reporting on the bureau 's handling of this investigation, most recently the unmet 30-day deadline stated in your previous memo.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-06 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: MD

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 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: CA

Complaint narrative:
US DEPT OF EDXXXX XXXX Account Number - XXXX Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed above still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating.

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. 
Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information.

I would also like to know if the furnisher provided you with my SSN, address or DOB.

Please forward an updated credit report to me after you have completed your investigation and corrections.

Your cooperation and prompt attention are required by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
US DEPT OF ED/ XXXXXXXX Account Number - XXXX Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed above still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up. 2. The date you contacted the individual funisher
s of information.

3. The method of communication you used to verify the information.

I would also like to know if the furnisher provided you with my SSN, address or DOB.

Please forward an updated credit report to me after you have completed your investigation and corrections.

Your cooperation and prompt attention are required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
I am writing today to dispute inaccurate information reporting on my credit report. I would also like to dispute the date of last activity. This is a factual dispute and I have evidence to support my disputes. This OneMain account with the account # XXXX has been consistently reporting inaccurate information to XXXX and XXXX credit bureaus. This is a direct violation of my consumer rights and also violates the FCRA, when inaccurate information is being reported to my consumer report or credit report. Listed below are the inaccurate items being reported to the credit bureaus. 

In XX/XX/XXXX your company OneMain reported my payment 90 days late, but the month before in XX/XX/XXXX your company reported my payment 30 days late.There is only XXXX calendar days in the month of XXXX, so how can my payment go from 30 days late to 90 days late in a one month time frame? 
In XX/XX/XXXX your company OneMain reported my payment 60 days late, but the month before in XX/XX/XXXX, you reported my payment on time. How can my payment be on time in XXXX but one month later in XXXX, my payment is reported 60 days late? 
The same situation happened in XX/XX/XXXX. Your company OneMain reported my payment 60 days late, but the prior in XX/XX/XXXX, you reported my payment on time. How can my payment be on time in XXXX but one month later in XXXX, my payment is reported 60 days late? 
The date of last activity is reporting inconsistently and inaccurate on my credit reports. On XXXX the date of last activity is reporting XXXX, but on XXXX it reports as XXXX. This is crucial because this affects the date in which this account will fall off my credit report. If the information is coming from the same original creditor, which is OneMain, then why aren't the dates reporting the same. If I have two different dates, how can I say this is accurate information being reported on my credit report? 

This OneMain account violates the FCRA, and I demand this account be deleted from both XXXX and XXXX. According to 15 USC section 602, if any information is being reported inaccurately, I have the right to get it removed or deleted from my credit report. There are several inaccurate items reporting on this account to the credit bureaus ; therefore, I request this account be removed or deleted from both XXXX and XXXX. 

Please see all the attached and enclosed documents to support my disputes. I have also included a copy of my drivers license to verify my identity.Please delete this account, and thanks for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 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: CA

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX 

I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you XXXX opportunity to resolve this matter amicably. My settlement demand is as follows : I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 

Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. 

I expect a prompt response within XXXX DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 

Please send all correspondence related to this matter to the address listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 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: MS

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 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: NM

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX. 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, XXXX, emotional distress, and financial hardship that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 
Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. 
I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 
Please send all correspondence related to this matter to the address listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: RAB, INC.
State: NV

Complaint narrative:
XXXX : received " letter of representation '' for a debt collection from RAB, Inc. in Texas and " invoices '' that showed past due for subcontractor services that were provided to and billed to a homeowner and paid by the general contractor. The company threatened to file against the general contractor with XXXX XXXX XXXX credit filing and also stated that it was a " pre-legal '' matter prior to filing even though it had no legal judgment to show that a debt was legally owed. When asked to show proof of law license and business license, the company failed to show license to do business in the state where it attempted to collect a debt. It also stated that no attorneys were involved but yet held itself out as a company that could take legal action on behalf of its client.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
There were many transactions on my XXXX account not done by me, I attempted to dispute them but was denied. The account has since been closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 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: MA

Complaint narrative:
I sent them a letter back on XX/XX/XXXX of this year and no one responded to me. The account is paid off and was never late. 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX SS # XXXX XXXX XX/XX/XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX TEXAS XXXX XXXX XXXX GA XXXX To Whom It May Concern, I recently received a copy of my XXXX XXXX XXXX XXXX Experian credit report and I noticed late payment posted on my credit profile. 

ACCOUNT : ACCOUNT # XXXX XXXX XXXX Your company is in clear violation of the law Under 15 U.S. Code 1681b- Permissible Purpose of Consumer Reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give you written instructions to furnish this on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 U.S. Code 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, ( i ) any report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete/Update the above late payments from my consumer report, this agency is in violation of 15 U.S. Code 1681. Failure to respond satisfactorily with Deletion/Update of the above referenced account along with sending me a free copy of my credit profile after the changes have been made will result in legal actions being taken against your company. In addition I will be seeking {$1000.00} per violation for : 1- Defamation of Character ( per se ) 2- Negligent Enablement of Identity Fraud 3- Fair Debt Collections Practices Act 15 U.S. Code 1692g violations 4- Fair Credit Reporting Act 15 U.S. Code 1681 violations for willful noncompliance- 616. Civil Liability for willful noncompliance [ 15 U.S. Code 1681n ] Thank you for your time and consideration in this matter, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX CFPB XXXX XXXX XXXX XXXX XXXXXXXX https : //www.consumerfinance.gov/complaint XXXX XXXX  XXXX NY 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 2024-06-06 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: TX

Complaint narrative:
I respectfully request that you conduct a thorough investigation into these discrepancies and take prompt action to correct the inaccuracies on my credit report. Furthermore, I kindly ask for written confirmation once the necessary corrections have been made.

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 2024-06-06 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: TX

Complaint narrative:
I respectfully request that you conduct a thorough investigation into these discrepancies and take prompt action to correct the inaccuracies on my credit report. Furthermore, I kindly ask for written confirmation once the necessary corrections have been made.

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 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/year> Experian, XXXX, XXXX received a hard inquiry by XXXX hired by XXXX regarding an application for a reverse mortgage. I have shielded my credit to insure only authorized requests by me. I received an alert from Experian to let me know there was an inquiry. I asked my loan officer if he knew the company and said yes. I spoke to XXXX and said that XXXX had requested it. Unfortunately, thereafter, I began getting texts, mail and voice mail from unauthorized loan companies. I also received in writing today with detailed information about my balances, original mortgage company ( it's on a servicing account, currently ). 
I have a blocked and private cell phone. I only give out personal information to companies I choose to do business with. 

I was told that credit reporting companies sell reports from credit bureaus. Then sell consumer information to mortgage companies. I've tried calling and there's no fax or email to the credit bureaus. Mailing would take months to resolve issue. I have a right to privacy and protection. 

My hard earned credit and private information should not be allowed, sold or shared to unauthorized companies, without written authorization by consumers. I've also gotten solicitations and have seen companies which did a " soft '' review without my consent.

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 2024-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
This Company purchased this debt I was unaware I d not owe this debt personal information was comprimised and i do not owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: CA

Complaint narrative:
These charges are in regards to a US bank business checking account. On XX/XX/year>, I was charged {$57.00} and on XX/XX/year> I was charged {$25.00}. Both of these charges were for a payment processing to reader that I never ordered nor received. I contacted customer service at US Bank and was told that the charges would be reversed due to the error. I was told that it would be reversed within 3 to 5 business days. However it has been several months and the fees have never been returned to me.

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 monetary relief
Consumer complaint received 2024-06-06 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: TX

Complaint narrative:
Repeated failures to meet established deadlines and timelines for updates and reporting on the bureau 's handling of this investigation, most recently the unmet 30-day deadline stated in your previous memo.

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