vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-07 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: NY

Complaint narrative:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 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: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 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: OH

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX. Account # : XXXX XXXX. Account # : XXXX XXXX  XXXX. Account # : XXXX XXXX XXXX XXXX. Account # : XXXX XXXX. Account # : XXXX XXXX Account # : XXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, 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 2024-11-08 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: OH

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX. Account # : XXXX XXXX. Account # : XXXX XXXX  XXXX. Account # : XXXX XXXX XXXXXXXX XXXX. Account # : XXXX XXXX. Account # : XXXX XXXX Account # : XXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, 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 2024-11-07 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: AL

Complaint narrative:
on XX/XX/year> I sent a letter regarding inaccurate and unknown things on my credit report to this day almost 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored for my disputes. Section 611 ( a ) it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has almost been 60 days so they should be promptly. I demand these accounts to be deleted immediately or I will file for litigations due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 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: AL

Complaint narrative:
on XX/XX/year> I sent a letter regarding inaccurate and unknown things on my credit report to this day almost 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored for my disputes. Section 611 ( a ) it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has almost been 60 days so they should be promptly. I demand these accounts to be deleted immediately or I will file for litigations due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 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:
in accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXX has violated my rights. 


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
Consumer complaint received 2024-11-07 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:
in accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXX has violated my rights. 


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 response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have made multiple written requests to XXXX, Equifax, and XXXX XXXX to correct and/or remove mistaken name, address, and other identification information. Each the foregoing, however, appear to either partially address requests or introduce alternate mistaken information in subsequent mailings/reports/communications. 

The concern is that intentionally mistaken/defective variations of my identity and/or address result from the mistaken information notwithstanding my repeated attempts to ensure that all information is correct. 

I have provided clear, legible, copies of my Social Security Card and Virginia drivers license confirming my full name, suffix, and physical address, yet I continue to receive correspondence/report related materials reflecting mistaken variations. 

I never authorize the omission of my suffix from my full name ( or the variation of the appearance of my suffix ), and I do not authorize the suggestion of alternate addresses/sub-addresses/intentionally defective addresses. 

In 2023 and again this year I received fraudulent 1095-B forms pairing my name with a mistaken Social Security Number. The concern is that these forms are partly attributable to the defective identification information maintained by XXXX, Equifax, and XXXX XXXX without my consent ( and in spite of my repeated written attempts to provide correct information ). 

I am attaching an example of XXXX of multiple written attempts to correct all identification information maintained by Equifax, XXXX, and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 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 submitted a dispute request for the fraudulent account reported by XXXX XXXX XXXX. I was informed in XXXX on the phone by XXXX XXXX XXXX the matter would be resolved and no longer report to the credit bureaus. I Also disputed this fraud account With Transunion, and it has yet to deleted. Instead, this account has been reported inaccurate again, this time as closed and paid. I never paid the account because it is not mine! i have sent my affidavit, police report, XXXX forms of ID & Dispute letter to all parties. This account is hindering my way of life. Please Help! 

Under Section 609 of the FCRA, I am requesting a copy of any documents that you have relied upon in preparing my credit report regarding this XXXX XXXX XXXX account number : XXXX account. Additionally, Ive enclosed all relevant supporting documentation that validates my position and confirms these inaccuracies. 

As permitted by Section 611 ( a ) of the FCRA, I urge you to investigate these items within the required timeframe. If you find the information is indeed erroneous, I request the deletion of the disputed accounts from my credit report. 

Furthermore, I would like to highlight that under Section 605, any fraudulent information should not be reported once it is verified as inaccurate. I have initiated the fraud alert process with the major credit bureaus, and as such, I am taking steps to protect myself against potential identity theft. 

Please conduct a thorough investigation and notify me of the outcome within 30 days, as stipulated in the FCRA. Upon completion of your investigation, please send me a copy of my updated credit report. 

Thank you for your prompt attention to this matter. I can be reached at [ your phone number ] or via email at XXXX should you need any further information to assist with your investigation.

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 2024-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: GA

Complaint narrative:
I tried to log into my account to check my paycheck status. I was told my account was closed on the app and could not log in. 
I have no access to my money and I have bills that are due. 
There were NO communications from the bank about closure of my account. 
I recently received a payout from insurance after part of my home was destroyed from XXXX XXXX and I can now no longer access the funds to repair my home or pay my bills.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
Subject : Debt Validation Request Dear TRANSWORLD SYSTEM INC/ I am writing to formally request validation of the debt referenced in your records under account number XXXX. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have the right to request documentation that verifies the existence and amount of the debt you claim I owe. 
Please provide me with the following information : XXXXValidation of the debt : A detailed statement of the amount owed, including any fees or interest. 
2.Proof of ownership : Documentation that proves you own the debt or have the authority to collect on it. 
XXXXAccount history : A complete account history that reflects all payments made and any adjustments made to the account. 
XXXXOriginal creditor information : The name and address of the original creditor, including the original account number. 
Additionally, please be aware that under FCRA XXXX, I have the right to dispute any information that is inaccurate, incomplete, or unverifiable. If you are unable to provide the requested documentation, I expect that you will remove all negative entries associated with this account from my credit report. 
I appreciate your prompt attention to this matter. Please respond within XXXX  days to avoid any further reporting of this account to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 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: IL

Complaint narrative:
A charge off is defined by the IRS as XXXX debt. According to the IRS the XXXX C is supposed to be granted. I am then to file it as reported income. According to the FCRA. XXXX is not supposed to be reported on my credit report. I have a copy of a letter from the company that is stating that they did not award me that XXXX. While listing that they charged the account off not XXXX time but XXXX times. According to my credit report. This violates my rights to fair credit reporting and privacy. Not to mention my right to OPT out and written consent. I would like it removed immediately. If it is not removed, I will be happy to report this to the IRS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 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: NY

Complaint narrative:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

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 2024-11-07 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: TX

Complaint narrative:
I have no affiliation with these creditors and did not initiate these inquiries. Kindly proceed to promptly remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 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: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I XXXX XXXX, A victim of Identity theft, request removal and deletion of the listed accounts on my XXXX, XXXX and XXXX credit reportXXXX. XXXX, XXXX. 
XXXX XXXX XXXX Midland Credit Management XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 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: CL Holdings LLC
State: MI

Complaint narrative:
I XXXX XXXX, A victim of Identity theft, request removal and deletion of the listed accounts on my XXXX, XXXX and XXXX XXXX XXXX. XXXX, XXXX. 
Jefferson Capital Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
The debt In Question is an AMEX XXXX XXXX Account. The current balance is stated to be {$2500.00}. 

This is a XXXX XXXX for an XXXX, which was signed for by a member of the XXXX. My SS XXXX was used erroneously. I have contacted the company and disputed with all XXXX bureaus to no avail. 

They are refusing to delete this account even though it is inaccurate. 

I have also repeatedly asked them to not call me to collect and they have violated this dozens of times. 

I have made many previous attempts to fix these issues directly with them and They are violating my rights I'm entitled to {$1000.00} for every violation I listed, and they need to delete this account ASAP.

Company response to consumer: Closed with non-monetary relief