vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Under 15 USC 6802, a financial institution is prohibited from disclosing nonpublic personal information to a nonaffiliated third party unless the following conditions are met : The institution provides a clear and conspicuous disclosure to the consumer, in writing, electronically, or through another permitted form, stating that such information may be shared with third parties.

The consumer is given the opportunity, prior to the initial disclosure, to opt-out of having their information shared.

The institution provides an explanation of how the consumer can exercise this opt-out right.

In this case, the financial institution failed to inform me of my rights or provide the required disclosures to protect my privacy. Furthermore, I have become aware that my personal information was compromised in a data breach, representing another significant violation of my privacy rights. 

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 2024-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed some inaccurate information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
XX/XX/XXXX I paid my Target credit card in full approximately XXXX. The card was not used, then I received a bill for charge that was not mine I had called target several times which was a fricken mess!!! Nothing but automated not being able to speak to a human, not giving up I finally got to speak to a representative and I felt that they were trying to help me, this went on for months ( again speaking to 3or 4 more representatives and having to explain my situation again and again ) as target was adding late fees. Target sent me a form to fill out and I send it back which I had and I never received any response!!! Now I got sent to collections???? Really??? This charge was not mine and Im not paying it!! Thank You Target is horrible

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-08 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: LA

Complaint narrative:
I am being charged by Choice Recovery for a dorm room that I did not damage. I returned the key when I left XXXX XXXX in XX/XX/year>. I am of this negativity affecting my credit score and debt to income ratio.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NCB Management Services Inc.
State: SC

Complaint narrative:
MY ACCOUNT # XXXX Hope everything good I'm just lettin you know Im disputin that debt under the Fair Debt Collection Practices Act This aint me askin for no more proof or paperwork Im just tellin you straight up I dont agree with it If you got ta reach me do it through email only Monday to Friday XXXX to XXXX XXXX XXXX time Dont try no live calls or voicemails and dont be sendin no mail XXXX XXXX none of that its just a hassle Appreciate you understanding

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 my privacy and confidentially under 15 USC 1681. 

XXXX XXXX Account Number # XXXX, Has violated my rights. 

XXXX XXXX XXXX Account Number # XXXX, Has violated my rights. 

XXXX XXXX XXXXXXXX XXXX Account Number XXXX XXXX, Has violated my rights. 

XXXX XXXX Account Number # XXXX, Has violated my rights. 

15 U.S.C. 1681 Section 602A : States I have the rights to privacy.

15 U.S.C. 1681 Section 604A, Section 2 : It also states a consumer reporting agency can not furnish 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 items of information, other than records of conversations of crimes which antedates the report by more than seven years.

15 U.S.C. 1681S-2 ( A ) ( 1 ) States : 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 non-monetary relief
Consumer complaint received 2024-12-08 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Hello, my name is XXXX XXXX. After carefully reviewing my credit profile I've noticed multiple fraudulent and inaccurate accounts showing on my credit report. I would like all accounts removed and deleted from my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-08 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: OK

Complaint narrative:
Experian has failed to conduct a proper and thorough investigation as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The reporting of XXXX XXXX collection/Closed account on my credit report does not satisfy the FCRA 's requirement for maximum possible accuracy under 15 U.S.C. 1681e ( b ). To date, I have seen no evidence that a reasonable investigation was conducted, nor has any proof documented proof has been provided to determine the verification of such information Experian is reporting.

According to Section 611 of the FCRA ( 15 U.S.C. 1681i ), Experian is required to conduct a reasonable reinvestigation of disputed information. This investigation must involve obtaining sufficient documentation to verify the validity and accuracy of the collection account. To ensure compliance with federal law, Experian must Obtain Original Source Documentation : This includes the original contract. Simply relying on information provided by the furnisher without reviewing original source documentation is insufficient to meet the statutory requirements. 

In XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), the court held that a credit reporting agency has an obligation to maintain reasonable procedures to ensure maximum possible accuracy in consumer reports. Failure to verify the accuracy of disputed information and reliance solely on the furnishers ( XXXX XXXX ) response is not considered a reasonable procedure. This case sets a precedent for requiring independent verification of reported information. 

The XXXX XXXX XXXX XXXX case further emphasizes this requirement, as it established that a credit reporting agency can not simply accept a furnisher 's response without conducting an independent review. If documentation supporting the account 's accuracy is not obtained, the information must be deleted.

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 2024-12-08 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: AL

Complaint narrative:
On XX/XX/year>, I requested the deletion of the charge-off account from my credit report. However, on XX/XX/year>, the company 's reply stating that they are unable to locate a credit file for me raises concerns that need to be addressed. This is in violation because company 's are required under the Fair Credit Reporting Act ( FCRA ) to accurately report and maintain information on consumers ' credit files. The inability to locate my credit file does not absolve your responsibility to respond to my dispute properly and verify or remove inaccurate information. I submitted all required personal identifying information, including [ list any information you provided : full name, address, Social Security number, etc. Because the credit file can not be located the charge-off in question can not be properly validated and should therefore be removed from any records or reports tied to my identity.

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 2024-12-08 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: CA

Complaint narrative:
I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditorXXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. Dept Of EdXXXX XXXX, Dept Of EdXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept Of EdXXXX XXXX & Dept Of EdXXXX 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 2024-12-08 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: IL

Complaint narrative:
XX/XX/year> I received a copy of my credit report and realized someone has stolen my personal information to open fraudulent accounts using my identity the following accounts are results of fraud : 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 explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Every XXXX hours, sometimes 2 times per day and on the weekends at night, after midnight when Im sleeping Experian sends me emails telling me my Credit Score has increased. 
Also they send me emails separately telling me I have new credit card offers. 
And they send emails separately saying I have new loan offers. 
Yet every time I go to check, my score hasnt increased. It either is the same or decreased. 
In addition to that I never have new offers usually the same offer from years prior or no offers at all. 

They falsely advertising to encourage me to open the application and log in. Its a waste of time, its frustrating, especially when its false and based on nothing. And its disrupting my life all hours of the night 365 days a year. And is causing harm to my score by what I mention below. And Im sure XXXX  of other Americans are facing the same issue with Experian. 

They advertise loans that I will not qualify for and say will not effect my score to check, yet it always puts an inquiry and lowers my score when I do check. 

I have all the emails saved.

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 2024-12-08 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: CA

Complaint narrative:
Recently checking my credit report I noticed that I have been a victim of identity theft and found fraudulent account and inquires in my credit report ( XXXX XXXX  Date opened XXXX ) ( XXXX  XXXX XXXX XXXX opened XX/XX/XXXX ) ( XXXX  XXXX XXXX XX/XX/XXXX ) Please remove this fraudulent account and inquiers from my credit report. Thank You

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-08 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:
Recently checking my credit report I noticed that I have been a victim of identity theft and found fraudulent account and inquires in my credit report ( XXXX XXXX  Date opened XXXX ) ( XXXX  XXXX XXXX Date opened XX/XX/XXXX ) ( XXXX  XXXX XXXX XX/XX/XXXX ) Please remove this fraudulent account and inquiers from my credit report. Thank You

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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: CA

Complaint narrative:
Recently checking my credit report I noticed that I have been a victim of identity theft and found fraudulent account and inquires in my credit report ( XXXX XXXX  Date opened XXXX ) ( XXXX  XXXX XXXX Date opened XX/XX/XXXX ) ( XXXX  XXXX XXXX XX/XX/XXXX ) Please remove this fraudulent account and inquiers from my credit report. Thank You

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Subject : Notice of Dispute Charge-Off Account with XXXX XXXX XXXX To Whom It May Concern : I am writing to formally dispute the reporting of a charge-off account from XXXX  XXXXXXXX XXXX  on my Equifax credit report. This account has been deleted from my XXXX credit file, and as required under the Fair Credit Reporting Act ( FCRA ), I am requesting that Equifax ensure compliance with 15 U.S. Code 1681n by investigating and correcting this inconsistency immediately. 
Specifically, I believe this account is being reported inaccurately or in violation of the law. I have attached a copy of my XXXX credit report showing the deletion of the account for your reference. 


I expect confirmation of receipt of this dispute and a resolution in writing within the legally required timeframe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-08 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: GA

Complaint narrative:
I recieved my XXXX  credit report and noticed XXXX unauthorized/fraudulent credit inquiries. 

I recieved my Equifax credit report and noticed XXXX unauthorized/fraudulent credit inquiries. 

I recieved my XXXX credit report and noticed XXXX unauthorized/fraudulent credit inquiries. The only valid inquiry is from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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: GA

Complaint narrative:
I recieved my XXXX  credit report and noticed XXXX unauthorized/fraudulent credit inquiries. 

I recieved my XXXX credit report and noticed XXXX unauthorized/fraudulent credit inquiries. 

I recieved my Experian credit report and noticed XXXX unauthorized/fraudulent credit inquiries. The only valid inquiry is from 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 2024-12-08 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: PA

Complaint narrative:
Over past 2 Months both Equifax and XXXX XXXX have drastically lowered my XXXX  and XXXX  scores, unfairly. 2 high credit lines closed card accounts sue to no more program, 1 cancelled with XXXX a XXXX line of credit, another 1 cancelled due to no longer carrying line ( XXXX XXXX ). My record of payments is excellent, never late or delinquent, currently paying off line closed on time. Several of my highcredit lines lowered my credit lines due to this deflation action reporting of XXXX XXXX and equifax, prior my XXXX  on both was XXXX and XXXX accordingly, now it is XXXX? XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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: GA

Complaint narrative:
I recieved my transunion credit report and noticed XXXX unauthorized/fraudulent credit inquiries. 

I recieved my XXXX credit report and noticed XXXX unauthorized/fraudulent credit inquiries. 

I recieved my XXXX credit report and noticed XXXX unauthorized/fraudulent credit inquiries. The only valid inquiry is from 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 2024-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
I got a US Bank reliaCard through Ohio unemployment. Card was loaded with weekly unemployment compensation and I wanted some money transfered on my personal checking account with another bank. THe website provided an option called billpay. I went there and in the submenu you can chose a company or person. I chose person ( checking/savings ). i initiated the transfer on XX/XX/XXXX and everything went through on their site. See attachment. After 9 days, the money was still not on my checking account and I called US Bank help center. The lady explained to me that this option is not possible. ( but it went through without any problems ). Still dont know why the option is on their website when it does not work. either way, after an hour discussing with her we decided to dispute the transfer and get my money back on my Debit card. we went trough the dispute process, she filled everything out and asked me to upload a screenshot of that transaction screen. After we hung up, i tried to to login to upload that document only to find out, that XXXX cant login anymore and my card is canceled. called them again to find out. since that transaction is disputed a have no access to my money anymore. I have to wait till this is all resolved but i will get a new debit card. I fear my mony will be lost and uS bank works with my money as long as possible. 
Please help me get my money back, I need 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 2024-12-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Property Receivables, Corp
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX  charge me XXXX for something thats I dont even know whats for when I paid all my rent before I left and still aint get not security deposit yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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:
On XX/XX/year>, I disputed an inaccurate account from XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX with Equifax. The company confirmed they would notify CRAs to remove this account and cease collection ( letter attached ). Both XXXX and XXXX have removed it, but Equifax has failed to act. 

This inaction violates the FCRA ( 15 U.S.C. 1681e ( b ) ), which requires CRAs to report accurate information. Equifax has been repeatedly informed, provided confirmation, and given ample time to correct this. 

I am requesting the CFPB investigate and ensure Equifax promptly removes this account.

Company response to consumer: Closed with non-monetary relief