vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-06 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: OH

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. 

- Account number : XXXX, Account name : XXXX  - Account number : XXXX, Account name : XXXX  - Account number : XXXX, Account name : XXXX XXXXXXXX XXXX XXXX Account number : XXXX, Account name : XXXX XXXX XXXXXXXX XXXX looked at my credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2024-09-06 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: Lincoln Educational Services Corporation
State: TN

Complaint narrative:
I am writing to formally address a serious concern regarding the unauthorized access and/or furnishing of my credit information. It has come to my attention that my credit report has been accessed and/or shared without my written consent. 

According to 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ), a consumer reporting agency must obtain written authorization before accessing or disclosing an individual 's credit information. I have not provided any such written consent.

In light of this, I am requesting the following actions : Detailed Disclosure : Please provide a detailed account of all entities that have accessed or furnished my credit information, including the dates and purposes of these actions.

Proof of Authorization : Furnish evidence of any written consent that authorizes the release or access of my credit information.

Deletion of Unauthorized Information : As my consent was not obtained, any information accessed or reported without my authorization must be removed from my credit file immediately. Under 15 U.S.C. 1681i, you are required to investigate and correct or remove any inaccurate or incomplete information. The presence of unauthorized information qualifies as such and must be deleted to comply with this requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-06 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: TN

Complaint narrative:
I am writing to formally address a serious concern regarding the unauthorized access and/or furnishing of my credit information. It has come to my attention that my credit report has been accessed and/or shared without my written consent. 

According to 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ), a consumer reporting agency must obtain written authorization before accessing or disclosing an individual 's credit information. I have not provided any such written consent.

In light of this, I am requesting the following actions : Detailed Disclosure : Please provide a detailed account of all entities that have accessed or furnished my credit information, including the dates and purposes of these actions.

Proof of Authorization : Furnish evidence of any written consent that authorizes the release or access of my credit information.

Deletion of Unauthorized Information : As my consent was not obtained, any information accessed or reported without my authorization must be removed from my credit file immediately. Under 15 U.S.C. 1681i, you are required to investigate and correct or remove any inaccurate or incomplete information. The presence of unauthorized information qualifies as such and must be deleted to comply with this requirement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-06 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:
RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: IL

Complaint narrative:
On XXXX XXXX XXXX  at about XXXX I purchased a vanilla visa gift card from XXXX XXXX I ended up paying {$40.00} plus the XXXX fee. When I tried to use the card there were scratch off numbers and no XXXX digits on the back. They sold me a bad card and scammed me. Now they expect me to wait up to XXXX  days while my bill is going to be charged a late fee because of this unethical practice where they scammed me. Can you please help me get my money back ASAP?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2024-09-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: SC

Complaint narrative:
Please reference complaint XXXX. 
On XX/XX/year> I tried to withdraw funds. The bank declined the transfer and stated there was a security concern. I have since contacted the bank multiple times to verify identity, answered questions correctly, passwords, etc. Still denied. 
The bank told me that they would send an 'identity verification ' letter and they stated, in response to my previous CFPB complaint that they did so on XXXX XXXX. No letter received. 
They then told me that they sent one out on XXXX XXXX. Not received. They then said they sent one on XXXX XXXX. Not received. 
They will not verify my account and allow access to my funds and to close the account. 
I have since researched Marcus and found that there are dozens, if not hundreds of people having this same problem with Marcus and stating so through social media, XXXX, XXXX and other sources. I believe that Marcus is withholding people 's funds for financial benefit and lying when they say " the letter is on the way ''. This needs to be investigated. 
I will also contact the U.S. Attorney 's office in my district as well as the SEC, FDIC, and have filed a complaint with the Federal Reserve. 
Please do not close this complaint until there is verification that the issue has been resolved, as Marcus lied in their previous response to CFPB. 
Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I earnestly request the removal of this item from my credit report as it does not belong to me and is entirely false.

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 2024-09-06 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I earnestly request the removal of this item from my credit report as it does not belong to me and is entirely false.

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 2024-09-06 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: NC

Complaint narrative:
Under the Fair Credit Reporting Act, 15 USC 1681 Section 602 ( a ) states, " Consumer reporting agencies must exercise their responsibilities with fairness, impartiality, and respect for the consumers privacy. '' XXXX, Transunion, and XXXX are such agencies, and as a consumer, I am entitled to ensure my private information is not shared. This right is supported by 15 USC 6801, which asserts, " Congress 's policy is that financial institutions have a continuing obligation to respect customer privacy and protect the security and confidentiality of nonpublic personal information. '' XXXX XXXX qualifies as a financial institution under this section. According to 15 USC 1681 Section 604 ( a ) ( 2 ), " A consumer reporting agency may provide a consumer report only in accordance with the consumers written instructions. '' XXXX XXXX the financial institution and XXXX, Transunion, and XXXX do not have my consent, whether verbal, non-verbal, written, implied, or otherwise, to furnish my information. Any and all forms of consent previously granted to these agencies are revoked. Additionally, 15 USC 6802 ( b ) ( c ) requires that " A financial institution must not disclose nonpublic personal information to nonaffiliated third parties unless the consumer is informed about how to exercise their nondisclosure option. '' XXXX XXXX, have not provided me with this information. Furthermore, 15 USC 1681c ( a ) ( 5 ) stipulates that " No consumer reporting agency may include adverse items of information, other than criminal convictions, that are more than seven years old. '' The reporting of this adverse item without my permission is unlawful. 15 U.S. Code 1681s2 ( A ) ( 1 ) mandates that " No person shall furnish information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. '' 15 U.S. Code 1681e requires consumer reporting agencies to " maintain reasonable procedures to avoid violations of section 1681c and limit reports to the purposes specified in section 1681b. '' Equifax, Transunion, and Experian are not adhering to these reasonable procedures. Lastly, 12 CFR 1016.7 allows consumers to " opt out at any time. '' Therefore, I am opting out of your reporting services.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-06 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: NC

Complaint narrative:
Under the Fair Credit Reporting Act, 15 USC 1681 Section 602 ( a ) states, " Consumer reporting agencies must exercise their responsibilities with fairness, impartiality, and respect for the consumers privacy. '' Equifax, XXXX, and XXXX are such agencies, and as a consumer, I am entitled to ensure my private information is not shared. This right is supported by 15 USC 6801, which asserts, " Congress 's policy is that financial institutions have a continuing obligation to respect customer privacy and protect the security and confidentiality of nonpublic personal information. '' XXXX XXXX qualifies as a financial institution under this section. According to 15 USC 1681 Section 604 ( a ) ( 2 ), " A consumer reporting agency may provide a consumer report only in accordance with the consumers written instructions. '' XXXX XXXX the financial institution and Equifax, XXXX, and XXXX do not have my consent, whether verbal, non-verbal, written, implied, or otherwise, to furnish my information. Any and all forms of consent previously granted to these agencies are revoked. Additionally, 15 USC 6802 ( b ) ( c ) requires that " A financial institution must not disclose nonpublic personal information to nonaffiliated third parties unless the consumer is informed about how to exercise their nondisclosure option. '' XXXX XXXX, have not provided me with this information. Furthermore, 15 USC 1681c ( a ) ( 5 ) stipulates that " No consumer reporting agency may include adverse items of information, other than criminal convictions, that are more than seven years old. '' The reporting of this adverse item without my permission is unlawful. 15 U.S. Code 1681s2 ( A ) ( 1 ) mandates that " No person shall furnish information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. '' 15 U.S. Code 1681e requires consumer reporting agencies to " maintain reasonable procedures to avoid violations of section 1681c and limit reports to the purposes specified in section 1681b. '' Equifax, XXXX, and XXXX are not adhering to these reasonable procedures. Lastly, 12 CFR 1016.7 allows consumers to " opt out at any time. '' Therefore, I am opting out of your reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
TransUnion is in violation of Violation of 15 USC 1681b ( 2 ) Permissable Purpose and violation of 18 USC 8 Violation of HJR 192 and Public Law 73-10 TransUnion is in violation of my 5th amendment, violation of due process- equal protection under the law, Violation of 15 u.s.c 1681a

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 2024-09-06 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: MA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-06 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: GA

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am unable to receive a credit report due to identity theft of fraudulent accounts place on my credit report. I did not not authorize XXXX XXXX XXXX XXXX or XXXXXXXX XXXX to open any lease auto loan or credit I dont have knowledge of these accounts either did I authorize them

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 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

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 2024-09-06 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Kindly eliminate this erroneous entry from my credit report. I did not authorize or acknowledge this account. The supporting documents validating my claim are enclosed.

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 2024-09-06 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Kindly eliminate this erroneous entry from my credit report. I did not authorize or acknowledge this account. The supporting documents validating my claim are enclosed.

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 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EdFinancial Services
State: PA

Complaint narrative:
My credit report shows {$21000.00}, {$12000.00}, and {$10000.00} as being owed to EdFinancial. My only current loan would be the {$21000.00} XXXX. I reported a complaint previously to EdFinancial but the loans were saying they were XXXX XXXX XXXX at the time so EdFinancial said the balance was correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Chrysalis Holdings LLC
State: WI

Complaint narrative:
I've already submitted a claim through you about New Day USA. That claim was closed with feedback. The record should reflect all the communication I had with New Day over the course of several months. I read that New Day was fined in different states due to misleading practices in refinancing cases. I was very much mislead by New Day on the amount of our PITI payment and am wondering if anything was done for Wisconsin residents who were similarly mislead.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 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: MO

Complaint narrative:
I have no link to the creditors mentioned, and the inquiries are not mine.

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 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am unable to receive a credit report due to identity theft of fraudulent accounts place on my credit report. I did not not authorize XXXX XXXX XXXX XXXX or XXXX XXXX to open any lease auto loan or credit I dont have knowledge of these accounts either did I authorize them

Company response to consumer: Closed with non-monetary relief