vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-26 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: KY

Complaint narrative:
XXXX has been sharing my personal information with the credit reporting agency who are unaffiliated 3rd party without providing me with the required disclosures. They have also refused to respond to any of my correspondences. Also the account they are illegally reporting is in charged off status, as you know accordingly with the IRS a charge off status is income. Income can not be report on a consumer report. On my consumer report, XXXX is reporting my personal information which is illegal under the Privacy Act of 1974. Pursuant 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, XXXX is illegally reporting my information to unaffiliated 3rd parties.. I have checked all documents they gave me and none of these documents contained any of the required disclosures. Per the FCRA, as a federally protected consumer. I am now opting out of any and all authorization that I as the consumer may have given you, written, unwritten, verbal and nonverbal per 15 usc 6802.

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 2023-12-26 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: FL

Complaint narrative:
I have a letter in writing stating I have no further financial obligation to XXXX XXXX  on two Accounts please remove from my credit report my XXXX just passed away

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 2023-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the XXXX and TransUnion credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX Balance : {$170.00} ; XXXX XXXX Balance : {$1600.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}.

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 2023-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: IL

Complaint narrative:
To whom it may concern, I subscribed to a service that was a 30 day trial cancel any within 30 days and I would get a full refund. The name is XXXX XXXX. Within those 30 days i tried contacting them via phone that they had provided but was unable to reach them so that I can cancel. I filed a dispute with my credit card company discover but was unable to solve my problem and they determined it was valid. 

XXXX XXXX- Posted on my account XX/XX/2023 2023

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ) sections 602 ( a ), 6801, and 1681, consumer reporting agencies like XXXX and XXXX must handle their duties fairly, impartially, and respect consumer privacy. As a consumer, I have the right to prevent sharing of my private data without consent, as stated in 15 USC 6801. 15 USC 1681 section 604 ( a ) ( 2 ) mandates that consumer reports can only be furnished with the consumer 's written instructions.

Financial institutions, considered furnishers of information to credit agencies, must respect customer privacy as per 15 USC 6802 ( b ) ( c ). The FCRA prohibits disclosure of nonpublic personal information without informing consumers of their nondisclosure options ( 15 USC 6802 ( b ) ( c ) ). XXXX and XXXX failed to inform me of this right.

According to 15 USC 1681C ( a ) ( 5 ), consumer reporting agencies can not include adverse information without authorization, violating the seven-year reporting limit. Furthermore, 15 U.S. Code 1681s2 ( A ) ( 1 ) prohibits furnishing inaccurate information, and 15 U.S. Code 1681e mandates reasonable procedures to avoid FCRA violations, which XXXX and XXXX are not following. 

As outlined in 12 CFR 1016.7, I retain the right to opt out of these reporting services at any time, which I am exercising now

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 2023-12-26 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: GA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ) sections 602 ( a ), 6801, and 1681, consumer reporting agencies like Equifax and XXXX must handle their duties fairly, impartially, and respect consumer privacy. As a consumer, I have the right to prevent sharing of my private data without consent, as stated in 15 USC 6801. 15 USC 1681 section 604 ( a ) ( 2 ) mandates that consumer reports can only be furnished with the consumer 's written instructions.

Financial institutions, considered furnishers of information to credit agencies, must respect customer privacy as per 15 USC 6802 ( b ) ( c ). The FCRA prohibits disclosure of nonpublic personal information without informing consumers of their nondisclosure options ( 15 USC 6802 ( b ) ( c ) ). Equifax and XXXX failed to inform me of this right.

According to 15 USC 1681C ( a ) ( 5 ), consumer reporting agencies can not include adverse information without authorization, violating the seven-year reporting limit. Furthermore, 15 U.S. Code 1681s2 ( A ) ( 1 ) prohibits furnishing inaccurate information, and 15 U.S. Code 1681e mandates reasonable procedures to avoid FCRA violations, which Equifax and XXXX are not following. 

As outlined in 12 CFR 1016.7, I retain the right to opt out of these reporting services at any time, which I am exercising now

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EdFinancial Services
State: GA

Complaint narrative:
ED Financial has somehow obtained & collected my personal information and data and is now negatively reporting on my credit report/credit files although I have never conducted business with nor have I ever heard of ED Financial ; I allege ED Financial has obtained my personal information and data by way of Identity theft as I have never conducted any business with ED Financial . ED financial has caused me great hardship and has cause me and my family to suffer from defamation by recently reporting on my credit profile/credit reports and backdating an account, that is not mine as I have never conducted any business with ED Financial , to 2016. Not only have they illegally obtained and collected my personal information but they have also falsified dates of an account with them that I never opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 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: MO

Complaint narrative:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected 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 2023-12-26 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. I am writing to dispute and request corrections to the inaccurate information on my credit report. Upon reviewing my credit report, I have identified an error regarding the account with the following details : XXXX XXXX XXXX XXXX. I am bringing to your attention that the payment for this account was made on time. However, it appears that the late payment marking is inaccurate and does not reflect my actual payment history. I am aware that XXXX has already addressed and corrected this issue by removing the account from their records. They acknowledged the presence of an error and promptly rectified it. I am perplexed as to how this discrepancy has not been similarly resolved by your bureau. I expect your bureau to adhere to the Fair Credit Reporting Act ( FCRA ) by conducting a comprehensive investigation into this dispute. Please provide me with written confirmation of the results of your investigation and the actions taken to rectify this matter.

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 2023-12-26 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: MN

Complaint narrative:
XXXX XXXX XXXX Account number XXXX. Date opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXX. Date opened XXXX XXXX, XXXX. 
I am requesting proof these accounts belong to me. As it is part of your investigation. violating the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. provide proof of any verified information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to express my extreme frustration and anger about the accounts on my credit report that I believe are due to identity theft. I demand that these accounts be removed immediately. The questionable accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Despite my repeated attempts to resolve this issue directly with the creditors and through your bureau, I have faced nothing but obstacles and delays. It is unacceptable that there is not enough proof to show that these debts are invalid, and I demand that they be removed from my report immediately. Your fast attention to this matter is not only crucial, but it is also your legal obligation. I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.

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 2023-12-26 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to formally dispute and request corrections to the inaccurate information on my credit report. Upon reviewing my credit report, I have identified an error regarding the account with the following details : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2023 Balance : {$710000.00}. I am bringing to your attention that the payment for this account was made on time. However, it appears that the late payment marking is inaccurate and does not reflect my actual payment history. I want to bring to your notice that XXXX has already addressed and corrected this issue by removing the account from their records. They acknowledged the presence of an error and promptly rectified it. I am perplexed as to how this discrepancy has not been similarly resolved by your bureau.

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 2023-12-26 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to formally dispute and request corrections to the inaccurate information on my credit report. Upon reviewing my credit report, I have identified an error regarding the account with the following details : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2023 Balance : {$710000.00}. I am bringing to your attention that the payment for this account was made on time. However, it appears that the late payment marking is inaccurate and does not reflect my actual payment history. I want to bring to your notice that XXXX has already addressed and corrected this issue by removing the account from their records. They acknowledged the presence of an error and promptly rectified it. I am perplexed as to how this discrepancy has not been similarly resolved by your bureau.

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 2023-12-26 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Shore Financial Services, LLC
State: NJ

Complaint narrative:
I am writing to formally dispute and request corrections to the inaccurate information on my credit report. Upon reviewing my credit report, I have identified an error regarding the account with the following details : UNITED WHOLESALE MOR XXXX Date Opened : XX/XX/2023 Balance : {$710000.00}. I am bringing to your attention that the payment for this account was made on time. However, it appears that the late payment marking is inaccurate and does not reflect my actual payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-12-26 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: FL

Complaint narrative:
Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the XXXX credit bureaus but I never received a response from them. This account must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
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 Unknown Collection 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 2023-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
These disputes have been escalated several times, and I have provided extensive documentation to support my claims. However, despite my efforts and the escalation of these matters, the inaccurate late payment accounts persist on my credit reports. I was the victim and XXXX not sure why the CRA is not complying with the law. The other bureaus have followed suit. XXXX very confused why this one seems to ignore my requests. I am concerned that despite my continued efforts to resolve these issues, the inaccuracies in reporting have not been rectified. I question why your bureau has not conducted a thorough investigation into the validity of the late payment accounts and failed to provide accurate information on my credit reports. The lack of resolution suggests a deficiency in your investigative processes. 
XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX  XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 

I am aware that under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are obligated to conduct reasonable investigations into disputed information. I am troubled by the apparent failure of your bureau to fulfill this obligation, resulting in the continued reporting of inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
These disputes have been escalated several times, and I have provided extensive documentation to support my claims. However, despite my efforts and the escalation of these matters, the inaccurate late payment accounts persist on my credit reports. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. I am concerned that despite my continued efforts to resolve these issues, the inaccuracies in reporting have not been rectified. I question why your bureau has not conducted a thorough investigation into the validity of the late payment accounts and failed to provide accurate information on my credit reports. The lack of resolution suggests a deficiency in your investigative processes. 
BANK OF AMERICA XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 

I am aware that under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are obligated to conduct reasonable investigations into disputed information. I am troubled by the apparent failure of your bureau to fulfill this obligation, resulting in the continued reporting of inaccurate information.

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 2023-12-26 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: FL

Complaint narrative:
I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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