vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-07 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2024-02-07 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: NY

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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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. Also 42 USC 408 states that asking for anyone 's social security number on any loan is fraud and a violation of XXXX  for double dipping.

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 2024-02-07 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: NY

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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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. Also 42 USC 408 states that asking for anyone 's social security number on any loan is fraud and a violation of XXXX for double dipping.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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: NY

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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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. Also 42 USC 408 states that asking for anyone 's social security number on any loan is fraud and a violation of XXXX for double dipping.

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 2024-02-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ZWICKER & ASSOCIATES
State: FL

Complaint narrative:
After making regular payments on my debt amount owed, they completely emptied my checking and savings accounts from my bank. I had online access to my debt account through this firm on their website and now I am locked out and can not access it. On XX/XX/year>, they garnished every XXXX I had in my bank accounts without notice to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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: NJ

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
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 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Complaint Letter to Delete Inaccurate Information Dear Sir or Madam : I respectfully request your prompt attention to the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed page of my credit report. 

The following item is inaccurate and negatively affects my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents, or any instrument bearing my signature. Failing that, this item must be deleted. 

It is my understanding that under law you have 30 days from the receipt of this letter to verify this item. It should be understood that failure to do so within 30 days constitutes a reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ).

Also, under 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification. 

These addresses do not belong to me and ive never lived there. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX, HI XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX HI XXXX XXXX XXXX XXXX XXXX, HI XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 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: FL

Complaint narrative:
I recently pulled my credit report, and noticed the following errors are reporting on my consumer report : Inaccurate personal information, Unauthorized inquiries, and Inaccurate late payments reporting. Please investigate and update as they are causing adverse harm to my credit report and good character : In accordance with the FCRA, my rights have been violated.15 U.S.C 1681 SECTION 602, 15 U.S.C . 1692 States I have the right to privacy.15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.15U.S.C 1681 B ( 2 ) States if I did not give permission to have anything on my credit report it is not suppose to be there. 

Online dispute XX/XX/year> Confirmation number : XXXX. I have enclosed Equifax investigation results verifying the accounts listed below. 

All disputes were mailed out to the company certified mail and return sender, On XXXX XXXX I sent company a written dispute for Inaccurate reporting that was on my consumer report, as well as unauthorized inquiries. XXXX ) XXXX XXXX XXXX # XXXX XXXX XXXX XXXX. XXXX ) XXXX XXXX XXXX # XXXX Unauthorized Credit Inquiries on my credit report. 

A dispute was sent out XX/XX/scrub>XXXX XXXX XXXX XXXXXXXX for unverified late payments reporting on my consumer report on the following accounts Freedom Mortgage XXXX, and XXXX XXXX XXXX XXXXXXXX. 


I have attached valid copy of Passport, Social, and utility bill with my current and only address XXXX XXXX XXXX XXXX XXXX, FL XXXX. 

The only EMPLOYER that should be reporting is XXXX XXXX XXXX. 

PLEASE SEE EQUIFAX RESPONSE ON XX/XX/scrub>XXXX 

This is now my third attempt trying to resolve this issue with XXXX.Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted.The company has failed to provide supporting documentation verifying the accuracy of the inaccurate information reporting on my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Delete the accounts now I never owed these debts, and reporting them without my consent is unacceptable. I provided my new address, yet the debtors quoted my old one when contacted. Your non-compliance is unacceptable, and I demand an immediate resolution. Comply promptly, or I'll take further action.

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 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently pulled my credit report, and noticed the following errors are reporting on my consumer report : Inaccurate personal information, Unauthorized inquiries, and Inaccurate late payments reporting. Please investigate and update as they are causing adverse harm to my credit report and good character : In accordance with the FCRA, my rights have been violated.15 U.S.C 1681 SECTION 602, 15 U.S.C . 1692 States I have the right to privacy.15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.15U.S.C 1681 B ( 2 ) States if I did not give permission to have anything on my credit report it is not suppose to be there.

All disputes have been mailed out to the company certified mail and return sender. 

On XX/XX/2024 I sent company a dispute for Inaccurate reporting that was on my consumer report, as well as unauthorized inquiries. 1 ) XX/XX/2024 XXXX # XXXX Inaccurate Personal Information. 2 ) XX/XX/2024 XXXX # XXXX Unauthorized Credit Inquiries on my credit report. 

A dispute was sent out XX/XX/2024 XXXX # XXXX for unverified late payments reporting on my consumer report on the following accounts XXXX XXXX XXXX, and XXXX XXXX XXXX  XXXX. 

I have attached valid copy of Passport, Social, and utility bill with my current and only address XXXX XXXX XXXX XXXX XXXX, FL XXXX. 

The only EMPLOYER that should be reporting is XXXX XXXX XXXX. 

This is now my second attempt trying to resolve this issue with XXXX.Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted.The company has failed to provide supporting documentation verifying the accuracy of the inaccurate information reporting on my consumer 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 2024-02-07 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to dispute fraudulent accounts that have appeared on my credit report. Unauthorized accounts have been listed under my name, specifically the XXXX XXXX XXXX XXXX account ending in XXXX, marked as fraudulent.

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 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 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: FL

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 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: VA

Complaint narrative:
Im submitting to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any items listed on an ID theft report. find the required documents to assist in the blocking of the erroneous information which are being posted to my report. 
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 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 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 2024-02-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America charged a right to offset on a business card leaving me in dire straights to pay my mortgage. They took XXXX out of my checking fully knowing I was in a hardship. They offered no solutions and increased a payment for when they knew I couldnt pay.

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 2024-02-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc.
State: CO

Complaint narrative:
The Federal Rights and Privacy Act is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any private elementary, secondary or post-secondary school. 20 USC 1232G. 
I have learned that, according to the ( FCRA ) 15 USC 1681 SEC 602 as it states, '' There is a need to insure that credit reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's rights to privacy. '' i am aware that XXXX and XXXX are consumer reporting agencies, I am the consumer. I hold the right to make sure that my private information isn't shared which is supported by 15 USC 6801 Stating " It is the policy of congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' non public information. '' 15 USC 1681 section 604 a sec 2 states " In general subject to subsection C, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer which it relates. '' The financial institution and the consumer reporting agencies XXXX and XXXX, do not have my permission to furnish this info and definitely don't have my written consent. 
All consent to XXXX, XXXX, and XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) and ( c ) states " A financial institution may not disclose non public or personal information to a nonaffiliated third party, unless the consumer is given an explanation on how the consumer can exercise that non disclosure option. '' Furnisher of information to credit agencies never informed me of my right to exercise my non disclosure option. 15 USC 1681C ( a ) ( 5 ) States " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items or information other than convictions of crimes which antedates the report by more than 7 years '' which means this account is an adverse item they are reporting again without my permission which is against the law. 
15 U.S. Code S 1681e States " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of sec 1681c of this title and to limit the furnishings of consumer reports to the purposes listed in 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. 
12 CFR S 1016.7 States " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services ''

Company response to consumer: Closed with explanation