vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX XXXX Account Number : XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-27 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: GA

Complaint narrative:
I respectfully request that you conduct a thorough investigation into these discrepancies and take prompt action to correct the inaccuracies on my credit report. Furthermore, I kindly ask for written confirmation once the necessary corrections have been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-27 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: TX

Complaint narrative:
I am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within 30 days. That deadline has come and gone without a single word from them regarding the status or findings. 

This lack of follow-through and blatant failure to uphold their commitment is unacceptable. You are the bureau and you have ample time to conduct your work and there is no justified reason for this excessive delay in sharing conclusions. In your memo built an expectation that I relied upon, and your inaction represents a breach of that assurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-27 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: FL

Complaint narrative:
I am aware that I am protected by the Fair Credit Reporting Act ( FCRA ). This allows me to dispute and request corrections for inaccurate information on my credit report. In addition, the Act mandates that your bureau provide me with a complimentary copy of my credit report within a specified timeframe following the submission of my letters and Ive never received anything after waiting 30 days. 
Previous address is reporting wrong. Please do your investigation. The Employee information is wrong. The FTC says that you have to investigate. Im asking you to do that. 

According to the FCRA, credit reporting agencies are required to maintain accurate and current records of individuals ' personal information. Such mistakes damage people 's faith in the system in addition to being illegal. 
I'm losing a lot of money because of these mistakes. This situation is upsetting me. Though these errors could have been avoided, I've worked hard to maintain my good credit. These mistakes damage my financial reputation ; they're more than just numbers. Because it involves defending someone's rights and clearing a record, I beg you to take immediate action on this significant issue.

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 2024-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am aware that I am protected by the Fair Credit Reporting Act ( FCRA ). This allows me to dispute and request corrections for inaccurate information on my credit report. In addition, the Act mandates that your bureau provide me with a complimentary copy of my credit report within a specified timeframe following the submission of my letters and Ive never received anything after waiting 30 days. 
Previous address is reporting wrong. Please do your investigation. The Employee information is wrong. The FTC says that you have to investigate. Im asking you to do that.

According to the FCRA, credit reporting agencies are required to maintain accurate and current records of individuals ' personal information. Such mistakes damage people 's faith in the system in addition to being illegal. 
I'm losing a lot of money because of these mistakes. This situation is upsetting me. Though these errors could have been avoided, I've worked hard to maintain my good credit. These mistakes damage my financial reputation ; they're more than just numbers. Because it involves defending someone's rights and clearing a record, I beg you to take immediate action on this significant issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-27 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: EQUIFAX, INC.
State: GA

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.

has violated my rights. Or a list of inquiries : 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 explanation
Consumer complaint received 2024-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX I disputed an account on my credit report regarding XXXX XXXX XXXX to Transunion through XXXX XXXX file number XXXX, it has been over 30 days and the issue has not been resolved. Under the Fair Credit Reporting Act, I would like this account to be removed from my credit report. Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-27 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: PA

Complaint narrative:
Under XXXX XXXX Code XXXX ( b ) ( a ) ( XXXX ) : ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 

Per this law, I, as the consumer, XXXX XXXX XXXX, has not authorized, nor given any instructions to furnish such information on a consumer report. 

Also, under XXXX XXXX Code XXXX ( XXXX ) ( b ) which states compliance and procedures : ( b ) ACCURACY OF REPORT 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. 

Per this law, there are specific procedures were not implemented that assure maximum possible accuracy of the information. 

Also, under XXXX XXXX XXXX XXXX ( a ) ( b ) which states the permissible purposes of consumer reports ( XXXX ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who XXXX have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

Per this law, to investigate a consumer report did not obtain information through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom she is acquainted or who XXXX have knowledge concerning any such items of information ; including the original creditor. 

XXXX. Additionally, I have not given permission to furnish no such data -- - XXXX XXXX XXXX XXXX ( b ). 

XXXX. This credit bureau has not provided a method of verification procedures that are permissible under the law -- - XXXX XXXX XXXX XXXX ( XXXX ) XXXX. There has been no contact with the original creditor, the XXXX XXXX XXXX, about this information. -- - XXXX XXXX XXXX XXXX ( XXXX ) XXXX. No online searches on public sites can be used to validate debt -- - XXXX XXXX XXXX XXXX ( XXXX ) XXXX. Attached is a letter to the consumer from XXXX that states that it " does not report or verify information with credit bureaus, '' nor furnished the credit bureau with any 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 non-monetary relief
Consumer complaint received 2024-05-27 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: TX

Complaint narrative:
Repeated failures to meet established deadlines and timelines for updates and reporting on the bureau 's handling of this investigation, most recently the unmet 30-day deadline stated in your previous memo.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-27 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: TX

Complaint narrative:
Repeated failures to meet established deadlines and timelines for updates and reporting on the bureau 's handling of this investigation, most recently the unmet 30-day deadline stated in your previous memo.

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 2024-05-27 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: GA

Complaint narrative:
Account name : # DEPT OF ED/XXXX, Account : # XXXX, Account name : # DEPT OF ED, Account : # XXXX has violated my rights. 

I looked at my Equifax credit report on XX/XX/year> 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 ( ii ) 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 explanation
Consumer complaint received 2024-05-27 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: NC

Complaint narrative:
I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below.

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.

Please investigate these matters and remove the disputed items as soon as possible.

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 2024-05-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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 Name : XXXX  Account Number:XXXX  Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX  Account Name : DEPTEDXXXX  Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 2024-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The part credit bureaus play in the overall financial scene should not be overlooked. Errors can have a cascading effect on various industries, including employment and housing. It follows that maintaining accuracy and integrity is both morally and legally required. Credit bureaus have an absolute duty to uphold accuracy and truthfulness in their role as custodians of powerful information. The adage " knowledge is power '' is especially true in this day and age when knowledge truly is power. But knowledge 's power is heavily dependent on its accuracy XXXX XXXX XXXX  : Regarding your data 's accuracy in light of Metro 2 guidelines, I'm extremely concerned. We must correct any errors or omissions as they may have a negative effect on the report 's credibility. I want you to carefully go over everything and remove any errors as soon as you can.

Ive already completed a FTC report stating that this item was not me. TRANSUNION REMOVED THE ACCOUNT THEN PUT IT BACK ON MY CREDIT REPORT. THEYve never sent any copy of proof or telling how theyve completed their investigation.

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 2024-05-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom It May Concern : The following list of accounts has infringed upon my federally protected consumer rights to privacy and confidentiality, as stated in accordance with 15 USC 1681. These accounts, XXXX XXXX : XXXX, XXXX : XXXX, XXXX XXXX XXXX XXXX  : XXXX, XXXX  XXXX XXXX  : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX have violated my rights. On XX/XX/year>, I reviewed my Equifax credit report and discovered various instances of incomplete and inaccurate information. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it is obligated to employ appropriate measures in ensuring the highest possible level of accuracy regarding the individual in question, as outlined within 15 USC 1681 ( e ) ( b ).

Accordance with 15 USC 1681 ( 5 ), the treatment of inaccurate or unverifiable information is encompassed as follows : ( A ) Following any reinvestigation under paragraph ( XXXX ) pertaining to any information disputed by a consumer, should it be determined that an item of information is inaccurate, incomplete, or can not be verified, the consumer reporting agency shall take prompt action, either by deleting said information from the consumer 's file or modifying it as deemed appropriate based on the outcome of the reinvestigation. In addition, the consumer reporting agency shall notify the furnisher of said information in a timely manner, informing them of any modifications or deletions made from the consumer 's file. 
Furthermore, in accordance with 15 USC 1681s-2, it is the responsibility of the consumer reporting agency to stop from furnishing any information related to a consumer to any consumer reporting agency if the person possesses knowledge or reasonable cause to believe that said information is inaccurate. '' XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On my credit report there are many inquiries from companies for auto loans and credit cards that I never personally made such as 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-27 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: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
On my credit report there are many inquiries from companies for auto loans and credit cards that I never personally made such as 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief