vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to express my deep disappointment upon discovering a bankruptcy entry in my credit report. After careful examination, it has become evident that this entry does not correspond to any actions or decisions made by me. As a diligent and responsible individual, maintaining a positive credit history has always been a top priority. Therefore, encountering such a significant error is not only concerning but also distressing. Please keep me informed of the steps taken to address this issue and provide updates on the progress of the dispute resolution process. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of 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 2024-04-27 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: SC

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 non-monetary relief
Consumer complaint received 2024-04-27 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:
XXXX, Trans Union XXXX, XXXX XXXX XXXX, XXXX XXXX, Upgrade, Sunbit and CapitalOne are Illegally using my personal information and violating my rights to privacy. My identity has been stolen, and the credit bureaus are strangers to me and do not have firsthand knowledge about me and continually attached accounts that are not mine or erroneous information pertaining to the account such as information on open, ended credit accounts and reporting incorrect information such as the name that appears on the credit report is not my name I have continually asked each bureau to correct my name and remove any address from my report that does not reflect the address on my drivers license. This is the only address that I have where I can receive mail. I have asked them to remove the accounts that are erroneous, which have been paid in full but is showing as charged off or late this is not correct. I dont have any charged off accounts nor do I have any late accounts or unpaid balances I have asked for this information to be corrected yet. They say that it has been validated, I asked for the procedure. They did not provide it and they did not correct what was incorrect. The information these companies are reporting is causing harm to my life because I can not get housing, employment or credit, which is mine by Divine right. The truth and lending act fair debt collection practices act and the fair credit reporting act are all being violated against me by these companies. The personal information is incorrect thus reporting information belonging to someone else. The information should be deleted immediately.

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 2024-04-27 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: GA

Complaint narrative:
XXXX, XXXX XXXX Experian, XXXX XXXX XXXX, XXXX XXXX, Upgrade, Sunbit and CapitalOne are Illegally using my personal information and violating my rights to privacy. My identity has been stolen, and the credit bureaus are strangers to me and do not have firsthand knowledge about me and continually attached accounts that are not mine or erroneous information pertaining to the account such as information on open, ended credit accounts and reporting incorrect information such as the name that appears on the credit report is not my name I have continually asked each bureau to correct my name and remove any address from my report that does not reflect the address on my drivers license. This is the only address that I have where I can receive mail. I have asked them to remove the accounts that are erroneous, which have been paid in full but is showing as charged off or late this is not correct. I dont have any charged off accounts nor do I have any late accounts or unpaid balances I have asked for this information to be corrected yet. They say that it has been validated, I asked for the procedure. They did not provide it and they did not correct what was incorrect. The information these companies are reporting is causing harm to my life because I can not get housing, employment or credit, which is mine by Divine right. The truth and lending act fair debt collection practices act and the fair credit reporting act are all being violated against me by these companies. The personal information is incorrect thus reporting information belonging to someone else. The information should be deleted immediately.

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 2024-04-27 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: U.S. BANCORP
State: TX

Complaint narrative:
these us bank accounts are not mine. they are fraud and id theft and i want them deleted. 

us bank account # XXXX us bank account # 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 2024-04-27 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: TN

Complaint narrative:
Attention Fraud Department Dear Sir/Madam, I am writing to address a significant concern regarding the reporting of a canceled debt by your company. It has come to my attention that your company has failed to comply with the requirements outlined in the Internal Revenue Code ( IRC ) section 6050P, which governs the reporting of canceled debts to both the Internal Revenue Service ( IRS ) and the debtor.

Upon reviewing my credit report, I discovered that a debt owed to your company has been reported as canceled or forgiven. However, I have not received a Form 1099-C, as required by law, to report this canceled debt to the IRS and to me as the debtor. This failure to comply with IRC section 6050P not only places your company in violation of federal tax laws but also has serious implications for my credit report and financial well-being. 

As a result of your company 's non-compliance, I am demanding the immediate removal of the XXXX from my credit report. The inaccurate reporting of this canceled debt is unjustified and misleading, and it adversely affects my creditworthiness and financial standing. Furthermore, the failure to provide the necessary Form 1099-C deprives me of essential information needed for accurate tax reporting. 
I urge your company to take swift action to rectify this situation by : 1. Removing the XXXX from all major credit bureaus ' records, including XXXX, XXXX, and TransUnion. 
XXXX. Providing written confirmation of the removal of the account from my credit report within 15 days from the date of this letter. 

Failure to comply with this demand will result in further escalation of this matter, including but not limited to filing complaints with relevant regulatory authorities and seeking legal recourse to protect my rights as a consumer. 

Please acknowledge receipt of this letter and provide confirmation of the actions taken to address this issue. If you have any questions or require further information, please do not hesitate to contact me at XXXX or XXXX. 

Thank you for your immediate attention to this matter. 

Sincerely, 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 2024-04-27 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: TN

Complaint narrative:
Attention Fraud Department Dear Sir/Madam, I am writing to address a significant concern regarding the reporting of a canceled debt by your company. It has come to my attention that your company has failed to comply with the requirements outlined in the Internal Revenue Code ( IRC ) section 6050P, which governs the reporting of canceled debts to both the Internal Revenue Service ( IRS ) and the debtor. 

Upon reviewing my credit report, I discovered that a debt owed to your company has been reported as canceled or forgiven. However, I have not received a Form XXXX, as required by law, to report this canceled debt to the IRS and to me as the debtor. This failure to comply with IRC section 6050P not only places your company in violation of federal tax laws but also has serious implications for my credit report and financial well-being. 

As a result of your company 's non-compliance, I am demanding the immediate removal of the XXXX from my credit report. The inaccurate reporting of this canceled debt is unjustified and misleading, and it adversely affects my creditworthiness and financial standing. Furthermore, the failure to provide the necessary Form XXXX deprives me of essential information needed for accurate tax reporting. 

I urge your company to take swift action to rectify this situation by : 1. Removing the XXXX from all major credit bureaus ' records, including XXXX, Experian, and XXXX. 
2. Providing written confirmation of the removal of the account from my credit report within 15 days from the date of this letter. 

Failure to comply with this demand will result in further escalation of this matter, including but not limited to filing complaints with relevant regulatory authorities and seeking legal recourse to protect my rights as a consumer. 

Please acknowledge receipt of this letter and provide confirmation of the actions taken to address this issue. If you have any questions or require further information, please do not hesitate to contact me at XXXX or XXXX. 

Thank you for your immediate attention to this matter. 

Sincerely, 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 2024-04-27 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: MO

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 informationisinaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Transunion will investigate this account for me to ensure accuracy there is the account I am asking you to verify as accurate : XXXX XXXX XXXX Bank 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 2024-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX will investigate this account for me to ensure accuracy there is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I filed a dispute against inaccurate information being reported by XXXX XXXX XXXX. They have not updated my credit report accordingly. The dispute was open on XX/XX/XXXX, the investigation was closed on XX/XX/XXXX. Please see the attached results. XXXX is reporting that I have ( XXXX ) repossessions and redeemed. The vehicle was only physically taken in XXXX, because of natural disaster. I have to constantly send in information into Equifax and they do no investigation, I have asked for the creditor to be removed since the information being reported varies from Equifax, XXXX and XXXX advised I have no credit report it frozen, but when I supply them with the required documents in XXXX, still not access to my credit report. 

Equifax should update accordingly, investigate and not open and close a matter. XXXX financial are criminals and hurting my credit. I never redeemed the car, I never signed anything agreeing to any extension of contract or terms, they took my payments and did not apply them accordingly and after 5 years of payments I owe XXXX, do the math it doesnt even sound correct. I am being hinder from purchasing a new car with their inaccurate reporting and the Credit Bureaus are allowing that to happen even after a consumer, like me whom submits a dispute. not even XXXX hours they closed the matter and claim they updated my credit report, the payments made from XXXX is still not listed. XXXX however has updated and working on the dispute submitted on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-27 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: Westlake Services, LLC
State: IL

Complaint narrative:
in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a car loan that I didnt approve of.

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 2024-04-27 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: MO

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 informationisinaccurate.

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 2024-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
I am writing to dispute an inaccurate charge-off listing on my credit report. The information below identifies the incorrect charge-off : Account Name : Capital One Account Number : XXXX Original Date of XXXX This charge-off has been removed from my XXXX credit report, indicating it is no XXXX considered a valid debt. I have attached a copy of my XXXX report for your reference, where the charge-off is no longer present. 

I respectfully request that you : Investigate the continued presence of this charge-off on my credit report. 
Remove the inaccurate charge-off listing as soon as possible. 
I understand that accurate credit reporting is essential. Please promptly update my credit report to ensure it reflects my current financial standing. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-27 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: SC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-27 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: DISCOVER BANK
State: TX

Complaint narrative:
Discover is in violation of multiple laws set forth by Congress in regards to the following account XXXX XXXX  15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report should not include information solely regarding transactions or experiences ( payment history, charge-off status ) between the consumer ( myself ) and the person ( Discover ) making the report. Additionally, 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) states that a person ( Discover ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX and XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. Discover can not collect on a discharged debt. This is considered a certificate of indebtedness per the IRS, and income can not be reported. The IRS defines a charge-off as Gross or Ordinary income, which is not reported on the consumer report, making the reporting of this account inaccurate. This is unsatisfactory! 

Discover has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In Discover 's terms and conditions, they agreed not to share my information with non-affiliates. XXXX, XXXX and XXXX are not affiliates of Discover nor are they " bureaus ''. The only true credit bureau is the CFPB, and they DO NOT furnish consumer reports as stated in federal law. 

I have a right to privacy, and Per the Privacy Act of 1974 as a federally protected consumer, I am now revoking any and all authorization I, the consumer, may have given you written, non-written, verbal, and nonverbal per 5 U.S. Code 552a. 
Per the FCRA as a federally protected consumer, I am now opting out of any and all authorization I, the consumer, may have given you written, non-written, verbal, and non-verbal per 15 USC 6802.

Company response to consumer: Closed with non-monetary relief