vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-17 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: SC

Complaint narrative:
Subject : Dispute of Unauthorized Negative Reporting Items on Consumer Report Dear Experian, I am writing to bring to your attention a matter of great concern regarding my consumer report. It has come to my notice that several negative reporting items have been added without my consent, which I believe constitutes a breach of privacy and identity fraud. I want to address each unauthorized item specifically : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXXXXXX 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 

These items are adversely affecting my credit profile and unfairly damaging my creditworthiness. I assert that these accounts are unverifiable due to the lack of my consent, and no person may furnish transactions between the individual and the consumer, as per the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 1 ) ( A ) and ( a ) ( 3 ).

I draw your attention to the definition of a person under the FCRA ( Section 603 ( d ) ), which includes " any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. '' Consequently, these entities may not report late payments, which are considered transactions, according to FCRA Section 623 ( a ) ( 1 ) ( A ). 

In addition, under XXXX XXXX law, violations of consumer protection statutes such as the South Carolina Unfair Trade Practices Act ( SCUTPA ) could be applicable to this situation ( SC Code Ann. 39-5-10 et seq. ). SCUTPA prohibits unfair or deceptive acts or practices, and the unauthorized reporting of negative items without proper verification may fall under its scope. 

I do not authorize the reporting of any account that tarnishes my reputation. I demand that, effective immediately, these accounts reflect as " paid as agreed never late '' in accordance with FCRA Section 623 ( a ) ( 2 ) and ( a ) ( 5 ). I emphasize that, even in the event of a permissible purpose, the consumer 's consent remains a necessary requirement, which I have not provided, as outlined in FCRA Section 604 ( a ) ( 3 ) ( C ). 

Thank you for your prompt attention to 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 explanation
Consumer complaint received 2024-01-17 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: LEXISNEXIS
State: GA

Complaint narrative:
XXXX XXXX XXXX, I, XXXX XXXX XXXX, sent Lexis Nexis a Cease and Desist. They responded by asking for more information about me. As though the information sent wasn't enough. If they have enough information about me to tarnish my reputation and adversely taint my credit worthiness, then there wasn't a need for me to send more information. Lexis Nexis continues to violate my constitutional rights to privacy but also my consumer rights to privacy. The Bankruptcy court DOES NOT report nor communicate with ANY credit reporting agency. Therefore, Lexis Nexis is taking this responsibility without my consent or the decision from a court. Lexis Nexis was not a party within the reported case, therefore everything they are reporting is HEARSAY! They are not a witness to anything they are reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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: VA

Complaint narrative:
Please Provide Consumer Report as well as submit an Opt Out Request to the following email with confirmation XXXX Per the FCRA as a federally protected consumer. I am now opting out of any and all authorizations that I the Consumer may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802. Effective immediately and indefinitely. 

BEST, XXXX XXXX XXXX Without prejudice, all natural inalienable rights reserved.

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 2024-01-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Upon reaching out to the creditors regarding the validity of the debts associated with these accounts, I received no response or verification. As I scrutinize my credit report, I observe that these accounts are incorrectly being reported as late payment accounts. I hereby demand that you provide proof of the late payments on these accounts or, in the absence of such evidence, delete the negative payment status and remove the associated late date markings. I want to emphasize that XXXX has already complied with this request, recognizing the discrepancies and taking corrective action. It is perplexing and concerning that your credit bureau seems to be neglecting my status as a victim in this situation, and I can not comprehend why you are not complying with the law when other bureaus have followed suit. I am writing to formally dispute and demand the immediate correction of inaccuracies on my credit report pertaining to the following accounts : XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX This is not a mere request ; it is a direct and forceful demand for the immediate correction of the errors on my credit report.

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 2024-01-17 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 been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. 
Please see attached documents and letter for referenced issues from above.

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 2024-01-17 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 been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. 
Please see attached documents and letter for referenced issues from above.

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 2024-01-17 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: NY

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), the reported information falls under the category of billing errors that must be promptly corrected. These include discrepancies between the purchase price and the billed amount, charges for undelivered products or services, mathematical errors, and entries requiring further clarification. I insist that you conduct a thorough investigation with the creditors involved, and you will undoubtedly discover the veracity of my claim. Once the error is confirmed, I demand the immediate removal of this egregious misinformation from my credit report. Furthermore, I require that this letter becomes a permanent fixture in my credit record. Any questions regarding my request or the disputed credit information should be directed to me without delay. I demand your immediate attention to the following gross inaccuracies : XXXX XXXX XXXX XXXX  Date Opened : XXXX XXXX XXXX  Balance : {$5700.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: MOHELA
State: IN

Complaint narrative:
XX/XX/XXXX to XX/XX/XXXX I have argued this situation from the beginning of time I found out about Myself XXXX XXXX XXXX XXXX when l was in middle school I was rewarded a chance to receive a XXXX year scholarship from XXXX XXXX if I completed high school which I did and received My scholarship and chose to go to XXXX school to work and XXXX XXXX XXXX XXXX XXXX  I never filled for a student aid assistance or a loan if it happen I was unaware and wouldn't have authorized any type of signing on My behalf or My parents I was not informed or My Parents informed of a student loan public or private it doesn't meet compliance standards per CFPB USC.15.6802 My personal and private information has been Breached due to the sharing of My consumer reports it is a negative and derogatory item that prevents Me from gain personal and financial gain to credit or financial stability and I ask it be investigated and removed immediately from My consumer reports on this date of XX/XX/XXXX I opt out of any of My personal or private information be shared with any creditors and also financial institutions and services that don't provide Me with a XXXX number and offering lines of credit or credit and authorized by Myself XXXX XXXX XXXX be considered unauthorized and fraudulent and should be verified by Myself XX/XX/XXXX My personal and private information is all over the dark web due to third party entitys sharing My information unauthorized and I demand it stop and alerts be put ony name consumer reports social security numbers personal and private accounts please any assistance towards My situation would be and truly gratefully appreciated Thank You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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: TX

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have already reached out to the creditors regarding the validity of the debts associated with these accounts, but I received no response or verification. Upon scrutinizing my credit report, I have noticed that these accounts are being incorrectly reported as late payment accounts. I demand that you provide proof of the late payments on these accounts or, in the absence of such evidence, delete the negative payment status and remove the associated late date markings. I am writing to demand immediate rectification of grossly inaccurate information on my credit report pertaining to the following accounts : XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$1200.00}, XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1800.00}, and XXXX  XXXX Date opened : XX/XX/XXXX Balance : {$0.00}. Failure to comply within 30 days of receiving this letter will leave me with no other option but to pursue all available legal remedies to rectify this situation. This is not a mere request ; it is a direct and forceful demand for the immediate correction of the errors on my credit report.

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 2024-01-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Carvana Group, LLC
State: CT

Complaint narrative:
In XX/XX/XXXX, I took out an auto loan to purchase a car with Carvana. ( Attached is screenshot of agreement. ). The car is a XXXX XXXX XXXX. Within a month of having the car, it had to be brought to the mechanic ( XXXX XXXX XXXX ) to get a new axle, brakes and rotors. 
Then, at end of XX/XX/XXXX, the car broke down completely because of a failure of its transmission control module. I was told by XXXX dealer that that part was on a 3 year back order. The car sat, completely undrivable, for almost 3 months. I decided to call a different XXXX dealer ( XXXX XXXX XXXX in XXXX, CT ) and after much communication between the dealership and XXXX headquarters, the part was replaced at no charge. 
I recently checked on XXXX XXXX XXXX website to see the actual value of the car. They value it at {$2700.00}. Carvana charged me 6 times as much! Its unfair for them to have charged this much for this car when the XXXX XXXX XXXX value is just under {$3000.00}, and I have already had several things fixed on the car since I have had it! 
At this point, my car payments, thus far, have already equaled the XXXX XXXX XXXX value and I feel this car loan should be closed ( as in paid in full )! *There are no add-ons to the car that are worth all that!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have already reached out to the creditors regarding the validity of the debts associated with these accounts, but I received no response or verification. Upon scrutinizing my credit report, I have noticed that these accounts are being incorrectly reported as late payment accounts. I demand that you provide proof of the late payments on these accounts or, in the absence of such evidence, delete the negative payment status and remove the associated late date markings. I am writing to demand immediate rectification of grossly inaccurate information on my credit report pertaining to the following accounts : XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$1200.00} and XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1800.00}. Failure to comply within 30 days of receiving this letter will leave me with no other option but to pursue all available legal remedies to rectify this situation. This is not a mere request ; it is a direct and forceful demand for the immediate correction of the errors on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-17 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: GA

Complaint narrative:
I am writing in response to your notice about an alleged debt : XXXX XXXX XXXX Account number XXXX Before I can confirm or dispute this debt, I am formally requesting additional documentation under the Fair Debt Collection Practices Act. 
Please provide the following within XXXX  days : A copy of the original signed purchase agreement, contract, or other documents showing that I entered into this debt voluntarily and that you are the legal owner of this debt.

A full accounting of the debt, including the original creditor, the amount owed, interest rate, fees, payment history, and the date you acquired this debt.

Your license and credentials to collect debts in GEORGIA.

Written notice of my rights to dispute the validity of this debt within XXXX days under the FDCPA. 
I expect this requested information to be provided in full before I can respond further on this alleged debt. Please send physical copies of all documents to my address below. I look forward to your response within XXXX  days as required by law. 
Thank you for your cooperation.

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 2024-01-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I want to bring to your attention that XXXX has already removed these accounts from their records after acknowledging an error. It is perplexing and disconcerting that your agency, in contrast, appears to have verified these accounts without providing adequate information for verification. This discrepancy raises serious concerns about the accuracy and legitimacy of your reporting. I demand that you immediately delete these inaccurate, erroneous, and unverifiable accounts from my credit report. The persistence of this misinformation not only damages my creditworthiness but is also a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). I am asserting that you do not have the rights to continue reporting these accounts without proper verification, especially when other credit bureaus have recognized and rectified the inaccuracies. Your non-compliance with my previous requests is both inexplicable and unacceptable, and it appears to be a blatant disregard for the law. The accounts in question, as follows, lack sufficient information for proper verification of the associated debts 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 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting to address my ongoing concern, referencing my complaint dated XX/XX/XXXX. As previously communicated, it has come to my attention that XXXX and Equifax have not taken the necessary steps to expunge the items I requested to be removed. I expect the remaining fraudulent entries, outlined in both this and the preceding complaint, to be expeditiously deleted within 15 days from today. To facilitate this process, I will be providing my FTC report with reference # XXXX for your review. It is my anticipation that you will act to remove these items from my reports before the stipulated timeframe concludes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ***********EQUIFAX : XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group
State: MD

Complaint narrative:
Company has refused to comply with validation of debt requests pursuant to Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) and Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809. Within the 30 day period required.

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 2024-01-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am in dispute of your stated balance of {$530.00} on my credit card account XXXX. 

I have audited all sources of payments made on this account since inception. In summary, my account has successfully remitted {$870.00} to be applied toward a {$710.00} purchase. The terms of purchase included a 0 % finance fee if payback was completed in 18 months. 

Under the terms of the said agreement : XXXX. Citibank Visa is paid in full -- as agreed XXXX. Citibank Visa was overpaid by the sum of {$150.00} This letter will serve as an attempt to : XXXX. Collect a reimbursement of {$150.00} XXXX. Request Citibank Visa report to all credit bureaus the account is a. paid in full b. paid as agreed

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 2024-01-17 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: SC

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2024-01-17 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: OH

Complaint narrative:
I am requesting that it will be removed from my credit report 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 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am reaching out urgently to highlight a critical issue involving incorrect personal information being reported on my credit report. This situation has caused me considerable distress and raised significant concerns.

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