vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-24 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: GA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-24 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: CA

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.rights. 

account name # XXXX XXXX account number # XXXX  XXXX account name # XXXX XXXX XXXX account number # XXXX account name # XXXX XXXX account number # XXXX account name # XXXX  account number # XXXX 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 2024-08-24 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: CA

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.rights. 

account name # XXXX XXXX account number # XXXX  XXXX account name # XXXX XXXX XXXX account number # XXXX account name # XXXX XXXX account number # XXXX account name # XXXX  account number # XXXX 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 2024-08-24 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: IL

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-08-24 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: IL

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-24 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: FL

Complaint narrative:
I am a victim of identity theft, which has led to multiple fraudulent items being added to my credit report without my authorization. There are XXXX unauthorized accounts and an inquiry that were placed on my report without my knowledge or consent. 

Fraudulent Inquiry : - 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 have already taken the necessary steps by reporting this identity theft to the Federal Trade Commission ( FTC ). I am now requesting the immediate removal of these fraudulent accounts and inquiry to restore the accuracy of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-24 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:
I received my credit report recently and noticed there is still a fraudulent account appearing. Reinvestigate and delete the accounts listed below : Account Name : XXXX XXXX. 
Account Number : XXXX. 

I request that you reinvestigate the completeness of every piece of information and if it's not accurate, please remove it from my credit report. 

Based on consumer law 15 U.S. Code 1681i - Procedure in case of disputed accuracy, if within 30 days you can not verify the accuracy of the information, please remove the account from my credit report. 

Thank you for your time and consideration in this matter. I look forward to hearing back something positive.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 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: VA

Complaint narrative:
I am a victim of IDENTITY THEFT and EQUIFAX DATA BREACH, and I DEMAND the IMMEDIATE REMOVAL OF XXXXXXXX XXXX  INQUIRIES FROM MY EQUIFAX CREDIT REPORT. 
ACCORDING TO FCRA SECTION 605 B, IT IS ILLEGAL TO REPORT INFORMATION ON MY CREDIT REPORT WITHOUT MY PERMISSION.Please remove this inaccurate information from my EQUIFAX CREDIT REPORT IMMEDIATELY. 

XXXX AND EQUIFAX ALSO VIOLATED : LAWS 25 USC 68016802 AND 6803 Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

Law 15 USC 6802 states that NON PUBLIC INFORMATION can not be shared by a financial to a THIRD PARTY ENTITY. ( THE CREDIT AGENCIES ) According to FCRA Section 605 B, It is ILLEGAL TO REPORT INFORMATION ON MY CREDIT REPORT WITHOUT MY PERMISSION. Please REMOVE THESE ILLEGAL INQUIRIES FROM EQUIFAX IMMEDIATELY. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
On XX/XX/year> I received an email from XXXX XXXX XXXX XXXX assignee XXXX XXXX. The email advised me to call or write them by XX/XX/year> to dispute all or part of the debt. I sent a validation letter through the mail on XX/XX/year>. On XX/XX/year> I received a notification from all three credit Bureaus that a collection account from XXXX XXXX XXXX XXXX was placed on my credit report. They have not replied with any correspondence and validation proving I owe this debt. 
This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of inaccurate/invalidated credit information. I've attached below a copy of the correspondence I sent to the collector.

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 2024-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
On XX/XX/2024 I received an email from XXXX XXXX XXXX XXXX assignee of XXXX. The email advised me to call or write them by XX/XX/2024 to dispute all or part of the debt. I sent a validation letter through the mail on XX/XX/2024. On XX/XX/2024 I received a notification from all three credit Bureaus that a collection account from XXXX XXXX XXXX XXXX was placed on my credit report. They have not replied with any correspondence and validation proving I owe this debt. 
This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of inaccurate/invalidated credit information. I've attached below a copy of the correspondence I sent to the collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
This dispute is in reference to : XXXX XXXX XXXX XXXX with Experian. 

I have repeatedly requested validation of this record and have not been sent any validation letters. They have only verified it online without sending me proof of validation. 

It has been removed from the other CRAs.

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 2024-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Re : Request for Permissible Purpose Proof and Account Validation To Whom It May Concern, I am writing to formally request the following information and actions concerning my account with XXXX XXXX XXXX : XXXX. Proof of Permissible Purpose It has come to my attention that XXXX XXXX XXXX has reported information regarding my account to XXXX or more consumer reporting agencies. I demand proof of permissible purpose under which this information was reported, as required by the Fair Credit Reporting Act ( FCRA ). Without my written consent, such reporting is illegal, and I ask that you immediately provide documentation that justifies your actions. 

XXXX. Last Billing Statement and Account Validation I request a copy of the last billing statement associated with this account. Additionally, please provide full validation of the account, including : A copy of the original contract or agreement bearing my signature. 
Documentation that verifies the legitimacy and accuracy of the debt as claimed by XXXX XXXX XXXX. 
XXXX. Fraud in XXXX  XXXX and Security Agreement If any discrepancies are found in the documentation or if XXXX XXXX XXXX can not provide the required proof and validation, this could constitute fraud in de facto. I also request details of any security agreement tied to this account and demand that these documents be reviewed for legal compliance. 

XXXX. Jurisdiction and Legal Compliance Please be reminded that your practices must comply with federal regulations, including the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), as mandated by Congress. Any failure to comply with these laws, including the unlawful reporting of my information without permissible purpose, may lead to legal action under the appropriate jurisdiction.

I expect a prompt and thorough response to this letter. Please provide the requested documentation and confirmation of the actions taken. 

Thank you for your immediate attention to this issue. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 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: MO

Complaint narrative:
15 U.s. 6802 code : Obligation of respect to disclosure of personal information - A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institutions provides or has provided a notice that complies with section 6803.

15 U.S. Code 1681b - Permissible purposes of consumer reports- any consumer reporting agency may furnish a consumer report under the following circumstances and no other.

B ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I never gave them any written instructions to furnish anything on my consumer report so they are in direct violation of 15 U.S. Code 1681b 4 ) 18 U.S. Code 1028A - Aggravated Identity theft- also known as the Aggravated Identity Theft statute, prohibits the use of another person 's identifying information without their permission in certain circumstances. Felony violations-If someone knowingly uses, possesses, or transfers another person 's identification in relation to a felony, they may be sentenced to an additional two years in prison in addition to any punishment for the felony. Prohibited acts The statute prohibits the use of identifying information in connection with certain federal offenses and terrorism offenses. This includes using identifying information such as names, social security numbers, driver 's licenses, and more. Account : ( 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 2024-08-24 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:
15 U.s. 6802 code : Obligation of respect to disclosure of personal information - A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institutions provides or has provided a notice that complies with section 6803.

15 U.S. Code 1681b - Permissible purposes of consumer reports- any consumer reporting agency may furnish a consumer report under the following circumstances and no other.

B ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I never gave them any written instructions to furnish anything on my consumer report so they are in direct violation of 15 U.S. Code 1681b 4 ) 18 U.S. Code 1028A - Aggravated Identity theft- also known as the Aggravated Identity Theft statute, prohibits the use of another person 's identifying information without their permission in certain circumstances. Felony violations-If someone knowingly uses, possesses, or transfers another person 's identification in relation to a felony, they may be sentenced to an additional two years in prison in addition to any punishment for the felony. Prohibited acts The statute prohibits the use of identifying information in connection with certain federal offenses and terrorism offenses. This includes using identifying information such as names, social security numbers, driver 's licenses, and more. Account : ( 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 2024-08-24 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Ava Finance, Inc
State: GA

Complaint narrative:
I have an account with Ava that is set with automatic withdrawal monthly. The bank account I had on filed stop working with payment processing. I contacted them on XX/XX/year> and told them of the issue. I also told them in writing if the problem can not be resolve to close my account. They told me their was an issue with the Plaid the payment processing they were using and they did not close the account. Now they have reported late payment on my credit report for the last 3 month and when I contacted them again to close my account they went ahead an fix the issue with the payment processing that they were not able to do when I first contacted them but now has hurt my credit score so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I have a WELLS FARGO XXXX ending...... XXXX. I made XXXX payments to the outstanding balance up to XXXX XX/XX/year>. The last date for the balance for the last billing period is XXXX XX/XX/XXXX. After XXXX XX/XX/XXXX, I tried several times to make payment from my non-Wells Fargo account but was denied each time and the following advisory popped up : Pay My Wells Fargo Accounts Error You have reached the daily or monthly limit for the number of online payments to this account ( XXXX ) made from a non-Wells Fargo account. Please make this payment using a Wells Fargo account or call XXXX to make this payment.==== I called up the given number and lodged my protest as to why I was asked to open a Wells Fargo account to make payments toward the outstanding balance due. I also mentioned that I am going to raise this issue with the competent authority as I have never heard of such an arbitrary limit to a number of payments towards the outstanding balance.

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 2024-08-24 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: Wallace Management Company, LLC
State: MO

Complaint narrative:
To Whom It May Concern : Upon reviewing my credit report, I noticed discrepancies on my credit report section. 15 U.s. 6802 code : Obligation of respect to disclosure of personal information - A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institutions provides or has provided a notice that complies with section 6803.

15 U.S. Code 1681b - Permissible purposes of consumer reports- any consumer reporting agency may furnish a consumer report under the following circumstances and no other.

B ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I never gave them any written instructions to furnish anything on my consumer report so they are in direct violation of 15 U.S. Code 1681b 4 ) 18 U.S. Code 1028A - Aggravated Identity theft- also known as the Aggravated Identity Theft statute, prohibits the use of another person 's identifying information without their permission in certain circumstances. Felony violations-If someone knowingly uses, possesses, or transfers another person 's identification in relation to a felony, they may be sentenced to an additional two years in prison in addition to any punishment for the felony. Prohibited acts The statute prohibits the use of identifying information in connection with certain federal offenses and terrorism offenses. This includes using identifying information such as names, social security numbers, driver 's licenses, and more. Account : ( Empire Finance Of AR ) XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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:
I am submitting this complaint personally regarding late payments appearing on my credit record. Upon examining my files, I discovered these late payment entries. Despite sending correspondence about this issue more than XXXX  days ago, I have not received any response, nor have I been provided with adequate verification. I request your help in addressing and resolving this situation swiftly and efficiently.

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 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint personally regarding late payments appearing on my credit record. Upon examining my files, I discovered these late payment entries. Despite sending correspondence about this issue more than XXXX  days ago, I have not received any response, nor have I been provided with adequate verification. I request your help in addressing and resolving this situation swiftly and efficiently.

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