vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX, I sent an email to XXXX  asking " Do they report bankruptcies to any credit bureaus, or third parties. '' And I received a letter back from them saying, They do not report to any bankruptcies to any credit bureaus or third parties. So if thats the case. How did the credit bureaus verify that my bankruptcy is 100 % accurate. They never did a fair investigation according to the 15 USC 1681.

15 U.S.C. 1681 section 603 ( 3 ) ( E ) States : The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or which others with whom he is acquainted or who XXXX have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

According to XXXX XXXX. XXXX XXXX XXXX A. XXXX I have a right to privacy. 

According to XXXX XXXX. XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 

According to XXXX XXXX. XXXX XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to any consumer reporting agency if the person has reasonable cause to believe that the information is accurate.

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 2024-04-13 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: GA

Complaint narrative:
On XX/XX/XXXX, I sent an email to XXXX  asking " Do they report bankruptcies to any credit bureaus, or third parties. '' And I received a letter back from them saying, They do not report to any bankruptcies to any credit bureaus or third parties. So if thats the case. How did the credit bureaus verify that my bankruptcy is 100 % accurate. They never did a fair investigation according to the 15 USC 1681.

15 U.S.C. 1681 section 603 ( 3 ) ( E ) States : The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or which others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times.

According to 15 U.S.C. 1681 Action 602 A. States I have a right to privacy.

According to 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

According to 5 U.S.C. 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person has reasonable cause to believe that the information is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 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: NY

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

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 2024-04-13 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 XXXX years. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
This is not an error. I am sending my formal notice that this information is a result of identity theft. All this information has been reported to the FTC and is currently under investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I have been a loyal customer of Best Buy for many years and have always appreciated the excellent service and products that your company provides. However, I recently discovered that there is a late payment mark associated with my Best Buy account on my credit report from XX/XX/2023. This late payment has remained on my record for the past four years, despite my consistent efforts to maintain a flawless payment history. 

It is important to note that this late payment from XX/XX/2023 is the only derogatory mark on my credit report, and I have not missed any payments before or since that time. I take great pride in my commitment to financial responsibility and have worked diligently to ensure that such an oversight does not happen again.

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 2024-04-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
FCRA 605B might mean we have to delete any wrong accounts from my credit report. Could you check the papers? Some of the listed accounts have wrong info about what's reported, like wrong amounts and dates.

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 2024-04-13 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: MA

Complaint narrative:
I want to emphasize unequivocally that I did not give written authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am formally requesting that these inquiries be blocked and expunged from my record. It is crucial to highlight that this request is not made in error, nor is it grounded in any misrepresentation of relevant facts concerning the request to block these transactions. 

This assertion is important because it underscores the fact that these transactions were included without my explicit consent or instruction. By emphasizing this point, I aim to convey the seriousness of my request and ensure that it is not overlooked or dismissed. Additionally, I want to clarify that my request is based on accurate and relevant information, and I am not attempting to manipulate or deceive in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 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: PA

Complaint narrative:
I kindly request the removal of these inquiries, as I have no knowledge of them, and the company conducted them 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 explanation
Consumer complaint received 2024-04-13 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: MA

Complaint narrative:
I want to emphasize unequivocally that I did not give written authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am formally requesting that these inquiries be blocked and expunged from my record. It is crucial to highlight that this request is not made in error, nor is it grounded in any misrepresentation of relevant facts concerning the request to block these transactions. 

This assertion is important because it underscores the fact that these transactions were included without my explicit consent or instruction. By emphasizing this point, I aim to convey the seriousness of my request and ensure that it is not overlooked or dismissed. Additionally, I want to clarify that my request is based on accurate and relevant information, and I am not attempting to manipulate or deceive in any way.

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 2024-04-13 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: DE

Complaint narrative:
XXXX XXXX has reported a duplicate and inaccurate charge-off to my profile.

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 2024-04-13 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: MO

Complaint narrative:
I trust this message finds you well. I am reaching out to follow up on the ongoing issue regarding the presence of fraudulent items in our records. Despite our repeated efforts to address this matter, it is concerning to note that the fraudulent items remain unresolved. 

Despite our cooperation and provision of necessary information, there has been no visible progress in removing these fraudulent items from our records. 

We urge you to prioritize this matter and take decisive steps to identify, investigate, and remove all fraudulent items from our records without further delay. Additionally, we request transparent communication regarding the actions being taken to address this issue and prevent its recurrence in the future. With this, I am asking for your assistance to remove these unknown inquiries in my credit file : XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/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 2024-04-13 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: ND

Complaint narrative:
I DON'T RECOGNIZE THESE INQUIRIES ON MY REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ON EXPERIAN-XXXX XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 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: PA

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

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 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

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 2024-04-13 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: IN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 
This is a violation of both 15 U.S. Code 1681b ( XXXX ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent. 

Also, I was never disclosed of ALL three of my Opt-Out disclosures which states a financial institution may not disclose nonpublic personal information to a nonaffiliated third party under 15 U.S. Code 6802 unless all three disclosures were satisfied but they were not.

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 2024-04-13 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: ND

Complaint narrative:
I DON'T RECOGNIZE THESE INQUIRIES ON MY REPORT XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ON XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Google Compare Credit Cards Inc.
State: CA

Complaint narrative:
I purchased XXXX google play gift cards at XXXX reputable stores in XXXX XXXX. After sending them numerous documentation, they told me to contact my bank. I contacted and of course they told me they have nothing with google play gift cards. My old email address was XXXX and XXXX both at XXXX. Mu new email address is XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX incorrectly adjudged that I have not returned the equipment and they sent my account to a debt collection agency called XXXX. After receiving a notice from XXXX, I disputed the debt and showed the proof that I returned the equipment. Following my dispute, a complaint was created by XXXX and the complaint number is XXXX. Subsequently, they investigated and decided to close my account. The account was closed in XX/XX/XXXX. To my surprise, I got a debt collection notice for the same issue on XX/XX/XXXX. This time its from a different collection agency called IC System. This is a harrasment. Different collection agencies sending mails on a debt that was already settled long time ago.

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 2024-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I acknowledge that as per FCRA 605B, it's crucial to eliminate any erroneous accounts from my credit report. Would you mind reviewing the documents? I've noticed that several of the listed accounts appear to be inaccurate, and this is causing me concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-13 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: CA

Complaint narrative:
I just pulled a copy of my credit report and I noticed my personal information is being inaccurately reported and I need you guys to modify and update my information. Lenders are having a hard time verifying who I am because of the information you guys have of me. According to the Law, it is required that you report correct personal information within my consumer report, and it must be deleted and/or updated within my credit file, or you are willfully violating the civil liability section of the Fair Credit Reporting Act, 15 U.S. Code 1681n.

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 2024-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Concerto Card Company
State: WV

Complaint narrative:
When I took this card out I received a hard credit inquiry. Since that time I have made on time payments and recently paid off my balance. I have excellent payment history that they are not reporting and can provide no explanation. I've checked my credit report and confirmed they are not reporting when I asked why they advised they would open a case and have it " investigated '' ... XXXX relieved the following meaningless response : " We referred your question about credit reporting to our credit and risk team and confirmed that we are not yet reporting account performance to XXXX. Our inquiry to your credit was reported at the time of your application, and account performance reporting will follow at a later date. '' This is not the first problem I've had with this company, this is the second complaint I've filed against them within the last 2 months.

Company response to consumer: Closed with explanation