vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-26 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: FL

Complaint narrative:
Dear Sir/Madam. 

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. and section 604 of the fcra. Section 602A states I have right to privacy, section 604A Sec 2 it states a consumer reporting agency can not furnish an account without my written instructions.

1681c. ( a ) ( 5 ) Section states no consumer reporting agency may make a consumer report containing any of the following items of information any other adverse items of information other than records of convictions of crimes which and dates 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. 

Account XXXX XXXX XXXX  : # XXXX Account XXXX XXXXXXXX : # XXXX Account XXXX XXXXXXXX : # XXXX Account XXXX XXXXXXXX : # XXXX Account Discover : # XXXX Account XXXX and XXXX : # XXXX Account XXXX XXXX XXXX : # XXXX Also the inquiries listed below were not authorized : XXXX, XXXX XXXX, XXXX XXXX, XXXX card, XXXX card, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX has violated my rights.

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. 

I appreciate you dealing with this situation,

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 2024-09-26 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: MD

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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: DE

Complaint narrative:
Today, I discovered unauthorized inquiries on my credit report with no clear reason. I check my report often, but this time, there were discrepancies that appeared out of the blue. Even after refreshing my browser, hoping it was a temporary issue, the inquiries remained. Due to this situation, Im asking for a thorough review of the documents Ive submitted so I can stop worrying about this happening again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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:
On XX/XX/XXXX, I filed complaint # XXXX - XXXX with the CFPB against Equifax. 

Equifax did not respond until XX/XX/XXXX, far longer than the 30 days required by the FCRA. Their failure to respond timely was a violation of my rights under the FCRA. I find it telling that they routinely choose not to respond timely, even when to a formal complaint registered by the CFPB. 

In their late response, I was finally relieved to read they had deleted the inaccurate report from " XXXX XXXX XXXX XXXX' I have attached a screen shot of their response to the CFPB where they wrote : " Trade : XXXX XXXX XXXX THIS ITEM HAS BEEN DELETED '' You can also review that response from Equifax in complaint # XXXX - XXXX. 

I promptly logged into my Equifax account to confirm the Trade had been deleted as represented to the CFPD and me. 

IT WAS NOT DELETEDas represented. 

EQUIFAX ONCE AGAIN LIED. 

I find it very disturbing that Equifax will deliberately mislead the CFPB in order to falsely represent account deletion so that it can close a case falsely with the CFPB. This is part of their ongoing scheme to violate the FCRA and deprive Consumer of their rights. I don't want to sound extremist, but they are clearly engaged in an ongoing conspiracy. 

The fact they do this so willfully and often, even to the CFPB should be highly suspicious to the CFPB and the FTC. 

This illegal conspiracy is unacceptable and must be investigated by the CFPB and the FTC. It is inexcusable. It is willful. It is intended to harm consumers while protecting the profits of Equifax in direct conspiracy with their paying partners and clients. 

The evidence is clear. Equifax has again fraudulently represented they deleted this account knowing they had not. 

Yet they have manipulated their systems to provide plausible deniability so they can later claim " systematic issues. '' Equifax is well aware of my ongoing complaints against them at the highest level. And they continue to discriminate against me, violate my rights, and VIOLATE FEDERAL LAW. 

Their actions now rise well beyond mere error or negligence. Their actions are WILLFUL, MALICIOUS, and FRAUDULENT. 

The CFPB and the FTC must open a formal investigation into their Fraud Schemes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, 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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-26 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: TX

Complaint narrative:
THESE ARE GIVING ME STRESS, THESE ARE ALL INACCURARTE AND MUST BE UPDATED, PLEASE HELP ME WITH THIS.

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 2024-09-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ). I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignment of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute that validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-26 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: IL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this 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 2024-09-26 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: OH

Complaint narrative:
I am filing a formal complaint against XXXX and Experian for their repeated failure to address multiple fraudulent entries and inaccuracies in my credit reports. As a victim of identity theft and human trafficking, numerous fraudulent accounts have been opened in my name without my authorization, severely damaging my creditworthiness and financial stability. 
Despite numerous requests, both XXXX and Experian have neglected to remove the fraudulent accounts and an incorrect public record from my credit files. Their refusal to correct these inaccuracies is a blatant violation of federal law, specifically multiple sections of the Fair Credit Reporting Act ( FCRA ) and the Debt Bondage Act, which mandate prompt action to protect victims of trafficking and identity theft. 

FCRA Violations : Section 605B ( 15 U.S. Code 1681c-2 ) : XXXX and Experian are legally required to block fraudulent information upon notification of my status as a victim of identity theft. They have failed to block this information, keeping fraudulent entries in my file in direct violation of the law. 

Section 609 ( 15 U.S. Code 1681g ) : Both agencies have failed to provide accurate and complete disclosure of all information in my file, as required by law. This is evidenced by the continued presence of unauthorized accounts and public records in my credit report.

Section 611 ( 15 U.S. Code 1681i ) : Neither XXXX nor Experian have conducted a proper investigation into the fraudulent accounts and public record within the legally required 30-day period, demonstrating a failure to comply with this section of the FCRA.

Section 607 ( b ) ( 15 U.S. Code 1681e ( b ) ) : Both bureaus have failed to follow reasonable procedures to ensure the maximum possible accuracy of my credit information, continuing to report fraudulent and damaging information. 

Debt Bondage Act Compliance : Under the Debt Bondage Act, both XXXX and Experian are legally obligated to block any fraudulent information within four days of receiving notice that the information is related to human trafficking or identity theft. I have provided the necessary documentation of my status as a trafficking survivor, and I expect full compliance with this legal requirement.

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 2024-09-26 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: TX

Complaint narrative:
I have identified inaccurate information on my credit report that remains uncorrected by TransUnion, XXXX, and XXXX, despite my prior disputes. The credit bureaus have verified this information as accurate without properly investigating the matter. I have provided supporting documentation that proves the inaccuracies, and their failure to correct this information violates the Fair Credit Reporting Act ( FCRA ), specifically section 611 ( a ), which mandates a thorough investigation and timely correction of disputed items. 

This ongoing reporting of false information is not only misleading but also a violation of my consumer rights. I request that this erroneous data be immediately removed from my credit report to prevent further damage to my credit profile. Please take corrective action as required by law.

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 2024-09-26 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: TX

Complaint narrative:
I have identified inaccurate information on my credit report that remains uncorrected by XXXX, Experian, and XXXX, despite my prior disputes. The credit bureaus have verified this information as accurate without properly investigating the matter. I have provided supporting documentation that proves the inaccuracies, and their failure to correct this information violates the Fair Credit Reporting Act ( FCRA ), specifically section 611 ( a ), which mandates a thorough investigation and timely correction of disputed items. 

This ongoing reporting of false information is not only misleading but also a violation of my consumer rights. I request that this erroneous data be immediately removed from my credit report to prevent further damage to my credit profile. Please take corrective action as required by law.

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 2024-09-26 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: IL

Complaint narrative:
Firstly, I emphasize that my right to privacy is paramount, and I am exercising this right through this dispute letter. As per 15 U.S. Code 1681 ( a ) ( 4 ), you are obligated to act with fairness, impartiality, and respect for consumers ' privacy. I am asserting this right under the stated law and expect that the information in this letter will be handled with the highest degree of fairness, impartiality, and respect for my privacy.

Additionally, under 15 U.S. Code 1681b regarding permissible purpose, I have never granted this company any such authorization. As a result, they are in direct violation of this law. I request the immediate removal of this account from my credit report, as it negatively affects my reputation, character, creditworthiness, standing, and capacity. Given your responsibility to protect my privacy, I expect this matter to be resolved with the utmost urgency. 
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 2024-09-26 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: AZ

Complaint narrative:
I have always maintained an impeccable payment record with the company, with all my payments set up on Autopay. This reported late payment is due to a system error on their part during payment processing.

This billing error by the company does not reflect my payment history and violates USC Code 1681eb. This mistake has severely impacted my reputation, character, lifestyle, and my family.

I insist that the late payment listed in the MONTHS REPORTING LATE be removed immediately.

The company is not complying with 15 USC 1666b, which outlines the standards for treating a payment as late. They incorrectly reported my payment as late without following the law.

15 USC 1666b ( a ) specifies that a creditor can not consider a payment late unless reasonable procedures ensure that the periodic statement, with required information per section 1637 ( b ), is mailed or delivered to the consumer at least 21 days before the payment due date. 

The company failed to send the periodic statement and disclosures as required by section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the due date in good faith under rule 1002, but it has never been provided.

This situation is unfair, illegal, fraudulent, and unjust to me as a consumer. 

I demand the removal of the late payments from my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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: IL

Complaint narrative:
My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 
This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports

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 2024-09-26 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: Avant Holding Company, Inc.
State: TX

Complaint narrative:
15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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 2024-09-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Skrill USA, Inc.
State: MN

Complaint narrative:
On XX/XX/year> I opened a skrill account and I deposited XXXX XXXX from the bank account I connected and spent the XXXX just fine. I also already gave skrill all my documents so I was officially verified at this point. Then XXXX I get a XXXXXXXX XXXX deposit and I spend under XXXXXXXX XXXX  and my account gets restricted and the message states there's nothing can do it will be 24 hours for my account to be viewed and looked at and reactivated. That didn't happen after 24 hours they said by 72 hours your account will be unlocked. That didn't happen it's now been over a week. And now skrill says they have no time frame for my account to be unlocked. There is no way to transfer my money out or anything since it's frozen. I asked for a manager to call me today I never got a call back never got a call back.they say my account has been escalated to the highest priority case to be reviewed and unrestricted they say that everyday and nothing happens. My rent is late now and my XXXX XXXX XXXX XXXX XXXX XXXX is not a small amount of money to freeze for no reason and it's been a week all my bills are late. They don't care.

Company response to consumer: Closed with explanation