vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-15 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: CT

Complaint narrative:
15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX  and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. 

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given you that was written, unwritten, verbal, or nonverbal per 15 USC 6802. Any and all consent to XXXX, Experian, XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. According to 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

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 2024-01-15 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: CT

Complaint narrative:
15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX  XXXX  and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given you that was written, unwritten, verbal, or nonverbal per 15 USC 6802. Any and all consent to XXXX, XXXX, XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. According to 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

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 2024-01-15 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: CORELOGIC INC
State: DC

Complaint narrative:
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my consumer report. I am requesting this account to be removed and updated to on consumer report I The consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts on my report The agency corelogic has violated my federally protected consumer rights to privecy and confidentiality under 15 USC 1681. Failure to address and rectify this dispute within the regulatory framework may regrettably compel me to pursue legal actions. I appreciate your immediate attentio to this matter and expect a timely response and resolution. 

Account Name : [ XXXX XXXX  ] * Account Number : [ XXXX ] * Account Name : [ XXXX XXXX ] * Account Number : [ XXXX ] * Account Name : [ XXXX XXXX ] * Account Number : [ XXXX ] * 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. also 15 U.S. Code 1681 ( o ) * 15 U.S. Code 1681 ( i ) * 15 U.S. Code 1681 ( e ) ( b ) * 5 Violations in total

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 2024-01-15 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: CT

Complaint narrative:
15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX, the financial institution and the Consumer reporting agencies XXXX, XXXX, and Transunion do not have my consent to furnish this information and they surely do not have my written consent.

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given you that was written, unwritten, verbal, or nonverbal per 15 USC 6802. Any and all consent to XXXX, XXXX, Transunion, and XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. According to 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

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 2024-01-15 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: CA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance {$310000.00} Date Opened : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$280000.00} Date Opened : XXXX XXXX XXXX Balance {$630.00} Date 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 2024-01-15 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: NJ

Complaint narrative:
NOTICE OF ILLEGAL CREDIT INQUIRIES PERFORMED BY XXXX XXXX  AND EXPERIAN ATTN : XXXX  XXXX  AND EXPERIAN XXXX XXXX  performed two illegal credit inquiries on my credit file with Experian between XX/XX/year> and XX/XX/year>. I never gave XXXX XXXX  permission at any time whether oral, written or non verbal to check my credit at any moment without my knowledge or consent. Experian I did not give you permission to let XXXX XXXX check my credit without my written knowledge or consent. In summary the Fair Credit Reporting Act lists only four permissible purposes for pulling a consumer 's credit report : a firm offer of credit, insurance, an application for employment or a court order. I have attached a copy of the Fair Credit Reporting Act for your convenience. There is nothing in the Fair Credit Reporting Act that gives permission for creditors to perform illegal credit checks under the guise of an " account review. '' In addition this " account review '' was performed by XXXX XXXX  as retaliation for a previous complaint involving an illegal credit check. Using the attached Fair Credit Reporting Act, I am requesting both XXXX XXXX and Experian state which section allows credit checks to be performed without written consent of the consumer. According to 15 USC 1681b ( 2 ) - permissible purposes of consumer reports : ( 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. I am requesting proof that the two illegal inquiries fell under the four permissible categories. I am further exercising my legal right to ask for verification. I am requesting the names and titles of the persons who pulled my credit, the dates they purport that I gave written permission ; and the method they purport that I gave permission. Please provide documentation of said permission. 
In addition Experian, I placed a temporary credit freeze on my Experian file as I am disputing various inaccuracies. The credit file should not have been released unless I lifted the freeze. 
I am attaching letters from XXXX  confirming the illegal credit inquiries. These illegal credit inquiries show inaccurate accounts that Experian knows are inaccurate. These illegal inquiries also resulted in adverse actions including the 95 % reduction of the credit limit on a XXXX XXXX XXXXXXXX account that had a XXXX balance for XXXX years and a {$13000.00} credit limit. The credit limit on the XXXX XXXX  credit card had an approximate credit reduction of 75 %.

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 2024-01-15 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: PA

Complaint narrative:
My name Is XXXX XXXX I reviewed my consumer reports and noticed that i had one late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of ( XX/XX/2023 ). 

Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. 
Please see attachment below.

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 2024-01-15 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: NJ

Complaint narrative:
NOTICE OF ILLEGAL CREDIT INQUIRIES PERFORMED BY XXXXXXXX XXXX AND TRANS UNION ATTN : XXXXXXXX XXXX AND TRANS UNION XXXXXXXX XXXX performed two illegal credit inquiries on my credit file with Trans Union between XX/XX/2023 and XX/XX/2023. A copy of the most recent unauthorized inquiry is attached in the form of a letter XXXX sent admitting they illegally checked my credit. 
I never gave XXXXXXXX XXXX permission at any time whether oral, written or non verbal to check my credit at any moment without my knowledge or consent. Trans Union I did not give you permission to let XXXXXXXX XXXX  check my credit without my written knowledge or consent. 
In summary the Fair Credit Reporting Act lists only four permissible purposes for pulling a consumer 's credit report : a firm offer of credit, insurance, an application for employment or a court order. I have attached a copy of the Fair Credit Reporting Act for your convenience. There is nothing in the Fair Credit Reporting Act that gives permission for creditors to perform illegal credit checks under the guise of an " account review. '' Using the attached Fair Credit Reporting Act, I am requesting both XXXXXXXX XXXX and Trans Union state which section allows credit checks to be performed without written consent of the consumer. According to 15 USC 1681b ( 2 ) - permissible purposes of consumer reports : ( 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. I am requesting proof that the two illegal inquiries fell under the four permissible categories. I am further exercising my legal right to ask for verification. I am requesting the names and titles of the persons who pulled my credit, the dates they purport that I gave written permission ; and the method they purport that I gave permission. Please provide documentation of said permission. 
In addition Trans Union, I placed a temporary credit freeze on my Trans Union file as I am disputing various inaccuracies. The credit file should not have been released unless I lifted the freeze. These illegal credit inquiries show inaccurate accounts that Trans Union knows are inaccurate. These illegal inquiries resulted in adverse actions including the approximately 10 % reduction of the credit limit on an XXXX store card.

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 2024-01-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I requested XXXX XXXX  to provide me with the original documentation with my signature that shows I I had authorized a debt of {$16000.00}. I requested this documentation last month I specifically requested a documentation to be mailed to me. I spoke with the rep from XXXX XXXX today who told me that they did not have the original documentation. It has been well over 30 days since I requested this documentation. Since XXXX XXXX has been unable to validate and provide me with the original documentation with my signature as requested within a 30 day time frame I want this creditor to be deleted from my consumer report from all three agencies. Equifax XXXX and XXXX. 

I have disputed with the three consumer reporting agencies but yet they still show inaccurate unverified information and they do not have the original documentation from the creditor because they are unable to provide the original documentation. 

My credit reports say that the vehicle was repossessed and written off but I never received a 1099-C From the original creditor legally I am supposed to receive a copy of that documentation that shows that the debt has been canceled so is either they refuse to give it to me or be they are intentionally and knowingly committing illegal actions against me and I will not stand for it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-15 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: FL

Complaint narrative:
I requested XXXX XXXX to provide me with the original documentation with my signature that shows I I had authorized a debt of {$16000.00}. I requested this documentation last month I specifically requested a documentation to be mailed to me. I spoke with the rep from XXXX XXXXXXXX today who told me that they did not have the original documentation. It has been well over 30 days since I requested this documentation. Since XXXX XXXX has been unable to validate and provide me with the original documentation with my signature as requested within a 30 day time frame I want this creditor to be deleted from my consumer report from all three agencies. XXXX XXXX and Experian. 

I have disputed with the three consumer reporting agencies but yet they still show inaccurate unverified information and they do not have the original documentation from the creditor because they are unable to provide the original documentation. 

My credit reports say that the vehicle was repossessed and written off but I never received a 1099-C From the original creditor legally I am supposed to receive a copy of that documentation that shows that the debt has been canceled so is either they refuse to give it to me or be they are intentionally and knowingly committing illegal actions against me and I will not stand for it.

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 2024-01-15 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: Frontline Asset Strategies, LLC
State: NY

Complaint narrative:
On XX/XX/XXXX, I submitted a non-disclosure, opt-out letter to FrontLine Asset Strategies LLC . Despite this, the company persists in violating my rights under the Fair Credit Reporting Act by disclosing my nonpublic personal information to nonaffiliated third parties. This ongoing violation is having detrimental effects on various aspects of my livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-15 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: MD

Complaint narrative:
I pulled up my credit files from each credit agency, Transunion, XXXX and XXXX. Each of these agencies are reporting accounts that do not belong to me. The accounts are listed as XXXX XXXXXXXX XXXX with account number # XXXX, XXXX XXXX XXXX with account number # XXXX, XXXX XXXX XXXX with account number # XXXX, XXXX XXXX under account number # XXXX. I have requested each credit agency to provide me with contracts that bear my signature that I signed for these accounts. Under the Fair Debt Collection Practices Act ( FDCPA ), a debt collector must respond to a request for a debt validation letter. If they don't, they're in violation of the act. I will be filing a complaint as well to Maryland State Attorney General Office. The dates the information was requested is XX/XX/2023 and XX/XX/2023. As of today I have not gotten anything from any of the credit reporting agencies.

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 2024-01-15 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: MD

Complaint narrative:
I pulled up my credit files from each credit agency, XXXX, Experian and XXXX. Each of these agencies are reporting accounts that do not belong to me. The accounts are listed as XXXX XXXX XXXX with account number # XXXX, XXXX XXXX XXXX with account number # XXXX, XXXX XXXX XXXX with account number # XXXX, XXXX XXXX under account number # XXXX. I have requested each credit agency to provide me with contracts that bear my signature that I signed for these accounts. Under the Fair Debt Collection Practices Act ( FDCPA ), a debt collector must respond to a request for a debt validation letter. If they don't, they're in violation of the act. I will be filing a complaint as well to Maryland State Attorney General Office. The dates the information was requested is XX/XX/2023 and XX/XX/2023. As of today I have not gotten anything from any of the credit reporting agencies.

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 2024-01-15 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: GA

Complaint narrative:
PERMISION WAS NEVER GIVEN I am writing to bring to your attention discrepancies in my credit report that I believe are in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681. 
Upon reviewing my credit report, I have identified instances that appear to be in contravention of the following FCRA sections : 1. 15 U.S.C. 1681, Section 602 : This section emphasizes my right to privacy and ensures that the information reported accurately reflects my credit history. 
2. 15 U.S.C. 1681, Section 604a, Section 2 : According to this section, a consumer reporting agency can not furnish an account without my explicit written instructions. 
3. 15 U.S.C. 1666b : This section stipulates that a creditor may not treat a payment on a credit card account as late for any purpose. 
Given the violations outlined above, I hereby request a thorough investigation into the inaccurate information reported in my credit file. I urge you to take immediate action to correct these discrepancies, as they adversely impact my credit standing and infringe upon my rights under the FCRA. 
*** I DID NOT AND DO NOT GIVE MY PERMISION FOR THE FOLLOWING ACCOUNTS TO BE REPORTED **** The following accounts are in violation : and have no permission to report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
There is a check deposited to my account and posted on XX/XX/2023. It is not authorized by me ( since my account got compromised during that time period ). Also, the " pay to the order of '' is not even to me. However, it got posted on my account. 

I have contacted Chase about this issue. Chase reversed this transaction on XX/XX/XXXX. However, Chase reversed this transaction again On XX/XX/XXXX. 

I have contacted Chase on XX/XX/XXXX about this issue and its claim department created a claim for my about this double reverse transaction. However, this claim has been denied. 

I have been dealed with Chase for a month about this issue. It seems none of the time it works. Now my account is showing negative balance and makes me worry about it.

Company response to consumer: Closed with non-monetary relief