vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The discrepancies on my credit report are seriously holding back my financial freedom. Every time I apply for new credit, I get denied because of these errors. It's incredibly frustrating to feel like my rights as a consumer are being ignored.

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 2024-10-15 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: AL

Complaint narrative:
Upon checking my credit report, I found multiple billing mistakes, showing late payments that are not consistent with my regular payment record. Kindly correct these issues and update my account. 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 explanation
Consumer complaint received 2024-10-16 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: CL Holdings LLC
State: GA

Complaint narrative:
I am writing to formally dispute the validity of the account referenced above, which has been reported to my credit file. I believe this account is inaccurate and does not comply with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Inaccurate Reporting ( 15 U.S.C. 1681b ) : Under the FCRA, I am entitled to accurate information being reported. The details of this account are not correct, and I request that you provide verification of the debt.

Consumer Reporting Information ( 15 U.S.C. 1681b ( 2 ) ) : I assert that your reporting does not meet the requirements stipulated in this section, as you have failed to provide a permissible purpose for obtaining my consumer report.

Validation of Debt ( 15 U.S.C. 1692g ) : According to the FDCPA, I request that you provide verification of the debt, including the amount owed, the name of the creditor, and documentation that supports your claim. Without this information, I will consider the debt invalid.

Cease Communication ( 15 U.S.C. 1692c ) : I request that you cease all communication regarding this account until you provide the necessary validation as outlined above. Continuing to pursue this matter without proper validation may constitute harassment under the FDCPA.

Please respond to this letter within 30 days of receipt. If you are unable to provide the necessary documentation, I request that you remove this account from my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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:
This complaint is regards to late/missed payments reporting inaccurate on my consumer credit report.Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. 
ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible acturacy of the information concerning the individual about whom the report relates. 

I have attached a screenshot shot of my credit report highlighting the errors and inaccuracies.

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 2024-10-15 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: LA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : Action revenue recovery # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my Transunion credit report on XX/XX/XXXX XXXX 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 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 2024-10-15 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: NY

Complaint narrative:
Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please DELETE the account, or inaccurate information, from my file immediately 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 2024-10-15 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: FL

Complaint narrative:
in XXXX XXXX ended their contract agreement with the banking institution that held the credit accounts for customers. With the end of this relationship XXXX created another account for consumers ( Advantage is the old XXXX and XXXX is the new XXXX ) without the proper explanation. I called several times to question why I received late payment calls from them. It was not until XXXX or XXXX of XXXX, after paying both account balances under the New XXXX XXXX account, a customer service agent realized the issue and stated " you have to pay the old account and the new account. '' My question to the XXXX manager was, why wasnt the old account just moved over to XXXX for supervision ( new bank ). I called XXXX today to discuss the late payments XXXX, XXXX and XX/XX/XXXX. The customer service looked at the account and was able to see the complaints I called with and also noted that late fees were refunded but they " we do not offer relief to remove the late reporting comments that are incorrect ''. Furthermore, I was directed to submit a complaint to Consumer Finanace to correct the remarks. I am in disbelief after hearing the response. These XXXX late remarks that were understood by XXXX to be the result of their lack in follow through and setting up the best outcome for consumers. There are people who turn to XXXX to build or rebuild their credit but they do not respect the trust consumers have in them. XXXX is no more than another way to loan shark consumers, getting them caught in a never ending cycle of debt. I am requesting the assistance to remove these remarks from all of the reporting agencies. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: TX

Complaint narrative:
There are unauthorized hard inquiries on my credit report that violate 15 USC 1681c-2, and they are lowering my credit score. Please remove these inquiries immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2024-10-15 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: FL

Complaint narrative:
This Account was charged off on the following date XXXX since then the account has repeatedly been updated as charged off every month. 
A charged off account shouldn't include an active payment history this inaccurate information falsely manipulates the statute of limitation please investigate this account properly after i asked you to do it Twice and your neglect has violated my rights, I am demanding a deletion of the following accoun. Account XXXX XXXX XXXX Account 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 2024-10-15 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: IL

Complaint narrative:
I am disputing this account due to inaccuracies in its reporting. This account is classified as a collection/charge-off, yet it shows a past due amount on my credit profile. Additionally, XXXX XXXX has reported to the IRS that they received a tax break for this account, but I have not received a 1099-C, which raises concerns about false reporting.

Its not permissible for an account to be both a collection and a charge-off simultaneously. Furthermore, it is illegal for a closed account to continue reflecting a charge-off status. My accounts have been showing charge-off status for the past XXXX years, which is also unlawful. 

Please remove these inaccurately reported accounts : XXXX Equifax XXXXXXXXXXXXX**** and XXXX  XXXX XXXX as well as XXXX XXXX. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Williams, Rush & Associates, LLC
State: MI

Complaint narrative:
Dear CFPB, I am writing to dispute the unlawful collection practices of Williams Rush and Associates LLC ( the " Collection Agency '' ) and request an investigation into their violations of federal law. 

Violations : 1. 12 CFR 1006.34 ( b ) ( 5 ) : The Collection Agency has not provided validation information, as required by law, yet has placed a collection on my consumer report.

2. 12 CFR 1006.34 ( c ) ( 4 ) ( I ) : I have not been given the opportunity to dispute the account, as required by law.

3. 15 USC 1681s-2 ( 7 ) ( A ) : The Collection Agency has furnished information to consumer reporting agencies without providing required disclosures.

4. 12 CFR 1006.34 ( d ) : The Collection Agency has used false, misleading, and deceptive means to collect the debt.

Revocation of Communication Rights : Pursuant to 15 USC 1692c ( c ), I hereby revoke all rights of Williams Rush and Associates LLC to communicate with me through : - Phone calls- Text messages- Email Request for Purchase Agreement : I request a copy of the purchase agreement between Williams Rush & Associates LLC and the original creditor, as required by 15 USC 1692g.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit report lists unauthorized inquiries under 15 USC 1681c-2, and these errors are hurting my credit. I request the removal of all such inquiries.

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 2024-10-16 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: Velocity Portfolio Group
State: TX

Complaint narrative:
It was brought to my attention upon checking my credit report. There is an account owned by XXXX XXXX XXXX opened around XXXX  owed a debt. I have no knowledge of this account and has been confirmed fraudulent. They have failed to respond to Debt Validation as well as a Debt Verification Request to confirm ownership. They have validated my rights protected under 15 USC 1681 privacy and confidentiality.

As well as 15 USC, ; Regarding accuracy.

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 2024-10-15 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act account # XXXX, has violated my rights. 
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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 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: CA

Complaint narrative:
Recently, while reviewing my credit report, I discovered that I've been a victim of identity theft. I noticed an unauthorized credit inquiry that i have no knowledge of. Here are the inquiries I found : XXXX XX/XX/year> Please remove this fraudulent inquiry off my credit report. I've also attached copy of identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have received notice from EXPERIAN through an automated email- advertising from EXPERIAN that all of my data is now on XXXX XXXX websites. EXPERIAN in their email suggests that by paying XXXX per month I can get that information deleted from the dark web. However, when you go to their actual website and review the 35 websites, the link there with their request for payment ONLY MENTIONS that the {$25.00} per month is a HELP or ASSIST for me to get this information deleted from the XXXX XXXX. 

# 1. The credit agencies are now JUST MAKING MONEY TO THE TUNE OF {$25.00} and they are still not doing anything really to prevent use of ALL PERSONAL INFORMATION to be exposed on the XXXX XXXX 

# 2. The first data breach was actually before 2015 from XXXX. The DATA BREACHES that still involve all of a person 's address information, financial information and now Social Security Number is being exposed with absolutely no requirements for any of these companies to protect the data of citizens such as myself that are only VICTIMS due to terrible security and business practices by these agencies that are actually only SUPPORTING THEFT of ALL PERSONAL DATA, as that is the level of the last data breach at the end of XXXX that has affected me personally. 

# 3. Now even my immediate relatives are now exposed and probably from what I can surmrise from the 35 listings from EXPERIAN, that their data is also at risk/.

# 4. WHEN DOES IT STOP????

# 5. I have a freeze on my accounts with the 3 credit bureaus. I have extra security on my bank accounts and I am continuously and now my family members are at escalated FINANCIAL RISK. This is fraud that is basically originating from the 3 CREDIT BUREAUS themselves since 2015. 

# 6. It was XXXX, EXPERIAN, and XXXX 's issue beginning in XXXX. They need to be legally required to block 35 subsequent companies from accessing my data that the XXXX credit bureaus did not secure properly to begin with from XXXX 

# 7. WORST is the FACT that even the solicitation email from EXPERIAN is essentially a fraudulent email to only solicit money and represents that the XXXXXXXX XXXX per month will block and eliminate the data on the XXXX XXXX, when in reality EXPERIAN DOES NOT DO THAT FOR THE CLIENT AT ALL. 

# 8. IN FACT, EXPERIAN only says that it will HELP to remove data on the dark web only.

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 2024-10-15 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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