vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-24 00:00:00
Product: Credit reporting, credit repair services, 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: LA

Complaint narrative:
I demand immediate, unequivocal evidence in the form of verifiable proof. I insist on being provided with an original consumer contract bearing my unmistakable signature for the account specified below. Your failure to comply with this demand is not only a blatant violation of your legal responsibilities, but it also directly undermines my ability to obtain credit. 
Let me be clear : unverifiable accounts, as clearly stated in the FCRA, must be promptly removed. If you are unable or unwilling to provide me with concrete evidence to substantiate the existence of the account in question, I expect nothing less than its immediate removal from my credit records. Failure to adhere to this demand will result in severe consequences, as I will not hesitate to pursue aggressive legal actions to ensure that my rights are fiercely defended, and that you are held personally accountable for your audacious and deliberate disregard for the 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 2023-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2023-06-24 00:00:00
Product: Credit reporting, credit repair services, 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:
Under Law ( 15 usc 1681a2 ). All three credit bureaus have been falsely reporting an account from XXXX XXXX XXXX that should not be in my credit report. I have never done any business with this company ; nor did not give written permission to have this account furnished in my credit report. 

XXXX XXXX TransUnion 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 2023-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/ I submitted an account dispute to Experian Credit Reporting Agency through the CFPB portal. The Consumer Credit protection Act, Title VI Consumer Credit Reporting, Section 611 Procedure in case of disputed accuracy ( 84 Stat. 1132 ; 15 U.S.C. 1681i ), clearly states that a consumer reporting agency has no longer than 30 days to complete its reinvestigation. The 60 day timeframe allowed by the CFPB does not apply to credit reporting agencies because by federal law a credit reporting agency has a time limit of 30 days. Before the end of the 30 days Experian Credit Reporting Agency must update the information as instructed by the consumer or delete any unverified, inaccurate, and incomplete information. This dispute was not settled in the allotted timeframe and must be updated as instructed by me in the dispute notice or deleted. Experian responded to my dispute onXX/XX/XXXX which is 60 days, 30 days longer than lawfully allowed. This is a violation of 15 U.S.C. 1681i. 

When I did finally receive a response on XX/XX/ it noted that the disputed information appearing on my Experian report is accurate and has been verified. In the dispute I requested to receive a copy of the description of the procedure used to determine the accuracy and completeness of the information. As of today XX/XX/ I have not received a description of the reinvestigation procedure. Not delivering a copy of the description I requested is a violation of 15 U.S.C 1681i ( 6 ) ( B ) ( iii ).

See attachment

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 2023-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under ar open end consumer credit plan as late for XXXX purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: World Acceptance Corporation
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under ar open end consumer credit plan as late for XXXX purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/23 I submitted an account dispute to Transunion Credit Reporting Agency through the CFPB portal. The Consumer Credit protection Act, Title VI Consumer Credit Reporting, Section 611 Procedure in case of disputed accuracy ( 84 Stat. 1132 ; 15 U.S.C. 1681i ), clearly states that a consumer reporting agency has no longer than 30 days to complete its reinvestigation. The 60 day timeframe allowed by the CFPB does not apply to credit reporting agencies because by federal law a credit reporting agency has a time limit of 30 days. Before the end of the 30 days Transunion Credit Reporting Agency must update the information as instructed by the consumer or delete any unverified, inaccurate, and incomplete information. This dispute was not settled in the allotted timeframe and must be updated as instructed by me in the dispute notice or deleted. Transunion responded to my dispute on XX/XX/23 which is 40 days, 10 days longer than lawfully allowed. This is a violation of 15 U.S.C. 1681i. 

When I did finally receive a response on XX/XX/23 it noted that the disputed information is not appearing on my current Transunion report. As of today XX/XX/23 this account that Transunion says in no longer reporting is still currently reporting and must immediately be removed. Attached is a copy of my most recent consumer report and the notice from Transunion informing me that the information is not currently on my report. 

Lastly, I requested to receive a copy of the description of the procedure used to determine the accuracy and completeness of the information. I never received a description of the reinvestigation procedure. Not delivering a copy of the description I requested is a violation of 15 U.S.C 1681i ( 6 ) ( B ) ( iii ).

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 2023-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Transunion continues to violate my rights under the FCRA. I am the victim of Identity theft and have complied with actions requested my TU and the financial institution that the fraudulent loan was taken out with. I have provided TU with a statement of the ID theft, ID verifying documents, FTC Identity theft report, and a police report of the fraud. 

Yet the account and late payments continue to remain on my report. Transunion is in complete violation of FCRA 605B. I have filed a police report supporting the facts set forth in my FTC declaration. This states the CRA is under a MANDATORY requirement to block this report from my credit report immediately in the receipt of a police report containing a sworn statement about the fraud. If TU continues to do so, I will be forced to consider legal action against TU as this information being on my report is a violation of my rights and harming my ability to seek credit.

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 2023-06-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: MA

Complaint narrative:
Unexplainable charge : XXXX XXXX XXXX + {$420.00}. 
M & T Bank want me to comply w/this charge. M & T Bank insit the part of the loan. I never request or authorise any changes or even moved of institution. This mortgage was transferred from XXXX XXXX XXXX  which it was acquired by M & T Bank.

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 2023-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Transform Credit Inc.
State: OR

Complaint narrative:
I checked my credit and saw a Transform Credit and charged me XXXX dollars every month. 

I called my bank and stopped the charges which are fraudulent, but XXXX says I can not remove it from my credit report. 

I never approved or applied for Transform Credit, and want to see what legal actions I can take to remove them from my personal account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under ar open end consumer credit plan as late for XXXX purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have two closed accounts with XXXX  XXXX XXXX XXXX XXXX account number XXXX. A line of credit and credit card. I am still making payments on the accounts. I have never been late, not once. XX/XX/2023 I received a late payment for both accounts. The rep stated I was {$1.00} short on one account and {$5.00} on the other. My accounts are closed and I have to call in to make the payments, so if I was short it was due to paying whatever minimum the rep stated. When trying to settle this with XXXX I was told to dispute with the credit reporting agencies. I disputed with them and heard nothing back. The late payments hurt my report alot. As stated before I have never been 30 days late and with XXXX. I would like the late payments AND the remarks to be removed. Every payment should show paid on time, because it was.

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 2023-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have two closed accounts with XXXX  XXXX XXXX XXXX XXXX account number XXXX. A line of credit and credit card. I am still making payments on the accounts. I have never been late, not once. XX/XX/2023 I received a late payment for both accounts. The rep stated I was {$1.00} short on one account and {$5.00} on the other. My accounts are closed and I have to call in to make the payments, so if I was short it was due to paying whatever minimum the rep stated. When trying to settle this with XXXX I was told to dispute with the credit reporting agencies. I disputed with them and heard nothing back. The late payments hurt my report alot. As stated before I have never been 30 days late and with XXXX. I would like the late payments AND the remarks to be removed. Every payment should show paid on time, because it was.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have two closed accounts with XXXX  XXXX XXXX XXXX XXXX account number XXXX. A line of credit and credit card. I am still making payments on the accounts. I have never been late, not once. XX/XX/2023 I received a late payment for both accounts. The rep stated I was {$1.00} short on one account and {$5.00} on the other. My accounts are closed and I have to call in to make the payments, so if I was short it was due to paying whatever minimum the rep stated. When trying to settle this with XXXX I was told to dispute with the credit reporting agencies. I disputed with them and heard nothing back. The late payments hurt my report alot. As stated before I have never been 30 days late and with XXXX. I would like the late payments AND the remarks to be removed. Every payment should show paid on time, because it was.

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 2023-06-24 00:00:00
Product: Credit reporting, credit repair services, 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:
Under Law ( 15 usc 1681a2 ). All three-credit bureaus have been falsely reporting an account from XXXX XXXX XXXX that should not be on my credit report. I never done any business with this company ; nor did not give written permission to have this account furnished 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 2023-06-24 00:00:00
Product: Credit reporting, credit repair services, 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: VA

Complaint narrative:
Under Law ( 15 usc 1681a2 ). All three-credit bureaus have been falsely reporting an account from XXXX XXXX XXXX that should not be on my credit report. I never done any business with this company ; nor did not give written permission to have this account furnished 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 2023-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: TX

Complaint narrative:
On XX/XX/2018, I received " Take Nothing Judgement '' in which the Plaintiff, Discover Bank take nothing against Defendants XXXX XXXX. Cause No. XXXX Discover and the 3 credit reporting agencies refuse to change this from a Charge Off to removing from my credit report or to list it as a Take Nothing Judgement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 00:00:00
Product: Credit reporting, credit repair services, 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:
Sent letter to Equifax still refused to follow demands of the law which are my rights.... To Whom this concern. Please forward to person of interest. I am writing to dispute. [ XXXX XXXXXXXX XXXX balance XXXX account XXXX, XXXX XXXX  BALANCE ACCOUNT ID XXXX, XXXX XXXX XXXX XXXX ACCOUNT ID XXXX, XXXX XXXX XXXX XXXX ACCOUNT ID XXXX ] on credit report. The balance listed on the account is incorrect and it is causing false representation from gain things AS IN A HOME FOR MY FAIMLY AND NEW CREDIT. THIS IS TH CONSISTENT HARASSMENT TO KEEP ME FROM SUCESS. YOU MUST DELETE the account, you are NOT AUTHORIZED TO RETAIN NOR REPORT, doing either is a CLEAR INFRACTION of the FCRA and certainly UNJUST INFRINGEMENTS upon my CONSUMER and or CIVIL RIGHTS, either being REMEDIABLE in a CIVIL COURT via MONETARY AWARDS to me for EACH VIOLATION and EACH PERIOD of which you CONTINUE YOUR MIS-REPORTING of this OBVIOUS and ILLEGAL MIS-INFORMATION. YOU MUST ANNUL the ACCOUNT ALLEGATION and ALL ASPECTS of it TODAY, HERE AND NOW so DO SO to RETURN to or RETAIN lawful REPORTING!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Theres a collection account from XXXX XXXX from XXXX XXXX that does not belong to me

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 2023-06-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
Hi, I have medical inurance with a XXXX $ copay. I have had this insurance since birth and continue to pay into it today. The XXXX $ is absolutely ridiculous considering it should only be 5 . I have XXXX XXXX XXXX XXXX XXXX and im willing to provide any information needed to dispute 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 explanation
Consumer complaint received 2023-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Under Law ( 15 usc 1681a2 ). All three credit bureaus have been falsely reporting an account from XXXX XXXX XXXX that should not be in my credit report. I have never done any business with this company ; nor did not give written permission to have this account furnished in my credit report. 

Equifax XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation