vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-13 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:
On XX/XX/2023 I submitted letters to several agencies ( specifically XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX ) to enact my right to protect my financial information and no longer share my information, balances or payments on my report. I further requested that Equifax, XXXX and XXXX, being consumer reporting agencies, remove my financial information as well as per my right backed by 15 USC 6801 which states " It is the policy of the 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 nonpublic personal information. '' XXXX XXXX XXXX XXXX and the Consumer reporting agencies Equifax, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX and XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked as per the letter sent in XXXX XXXX XXXX. Furthermore, 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consume reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' 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. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I have opted out of ALL reporting agencies services

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Risecredit, LLC
State: AL

Complaint narrative:
On XX/XX/2023 Rise Credit sold this debt to XXXX XXXX XXXX and today the debt was settled, and the confirmation number is XXXX. I am asking that being that the debt has been satisfied that you all delete the tradeline off of my credit reports. XXXX XXXX XXXX has agreed to delete the tradeline off my credit reports and I am asking that you do the same. 

I have attached the correspondence between the XXXX XXXX XXXX and I in regard to satisfying this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: MO

Complaint narrative:
XXXX XXXX complaint marked as duplicate by this fraudulent crooked company but EACH COMPLAINT HAS ITS OWN MERIT AS REQUESTED FORWARDED TO F.T.C AND D.O.J

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 2024-02-13 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:
I, XXXX, XXXX XXXX, federally protected consumer, a natural living being of majority status conducting the style and condition of The Principle and Beneficial Equitable Holder, and not an infant/minor, have the right to make sure my private, non public information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the 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 nonpublic personal information. 
Under the Fair Credit Reporting Act the term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( a ) credit or insurance to be used primarily for personal, family, or household purposes ; ( b ) employment purposes ; ( c ) any other purpose authorized under section 604 [ 1681 The law states that it is illegal to have a consumer report containing information solely as to transactions or experiences between the consumer and the person making the report ( FCRA Sec 603 ( d ) ( 2 ) ( a ) ( i ). I've repeatedly stated the reasonable procedures that congress has set forth for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer and the consumer reporting agencies, TransUnion has had no regards to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of the Fair Credit Reporting Act. TransUnion has never provided their method and/or proof of verification that gives them the authority to report inaccurate, non-public, personal information on my consumer report. Which is documented via the CFPB with their responses that has not addressed the issue of their willful non-compliance of the Fair Credit Reporting Act and Privacy Act of 1974 by the sharing of inaccurate, non-public, personal information on my consumer report. 



Please See Attached Documents which include the following : Exhibit A : Affidavit of Truth/ Cease and Desist Opt Out Confirmation ( XXXX ) Passport Card ( Identification ) Power of Attorney/ CAF Notice/ Fee Schedule

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 2024-02-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was told over the phone by XXXX that there is a credit suspension on my account. The Dept of Ed has NOT released the credit suspension which has been on there since 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 2024-02-13 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: IL

Complaint narrative:
I did not initiate these inquiries and suspect them to be fraudulent. I request a thorough investigation and their prompt removal from my credit report. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am unable to view my XXXX Report or Scores. I have submitted a complaint a few months ago with regards to this same issue. Please help. Why can't I see my XXXX report or scores. 

There are also incorrect address reportings on XXXX and Transunion : XXXX XXXX XXXX XXXX XXXX ( XXXX & XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) Incorrect Employer Information - XXXX XXXX XXXX XXXX XXXX XXXX have an account reporting that is not my account : XXXX XXXX XXXX ; This may be reporting on my credit file in error, please help me get this removed. I am in the process of trying to purchase a home and the fact that I can't see my XXXX and these other scores is holding me up. 

I don't know what else to do. XXXX is not showing my report and this has been going on for more than a year.

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 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am unable to view my XXXX Report or Scores. I have submitted a complaint a few months ago with regards to this same issue. Please help. Why can't I see my XXXX report or scores. 

There are also incorrect address reportings on Experian and XXXX : XXXX XXXX XXXX XXXX XXXX ( Experian & XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) Incorrect Employer Information - XXXX XXXX XXXX XXXX  ) Experian have an account reporting that is not my account : XXXX XXXX XXXX ; This may be reporting on my credit file in error, please help me get this removed. I am in the process of trying to purchase a home and the fact that I can't see my XXXX and these other scores is holding me up. 

I don't know what else to do. XXXX is not showing my report and this has been going on for more than a year.

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 2024-02-13 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: FL

Complaint narrative:
Fraudulent hard inquiries... 

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 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 response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CLGF Holdco 1, LLC
State: OH

Complaint narrative:
I was approved for a credit card through Concora Credit it was an Indigo XXXX XXXX. I checked the balance on the card and it is a {$170.00} annual when the cardholder agreement does not say anything about {$170.00}. The cardholder agreement says that the annual fee could be between $ XXXX {$99.00}. I was told I would still be responsible for the {$170.00} even if I did not use the card. I requested the fee be waived or lowered to a proper amount that is listed in the Cardholder agreement but the request was denied so it made me stuck and in a bad position. I had to use the card since I was going to be charged the over the card holder agreement fee which is a violation of the card terms which should mean it is invalid. I was only able to use the card XXXX before a security feature locked my credit card and no one is able to override the security feature. I spoke to several associates with Concora and they could do nothing for me. The card has plenty available credit but it the card continuously denies for any transaction no matter how big or small the amount is. It is ridiculous Concora Credit violates the cardholder agreement with significantly overcharging me with an outrageous Annual Fee then locks the account so that I can not use the available credit but Concora still would want me to pay for something I can not use. This company is horrible and should be avoided at all cost.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IN

Complaint narrative:
I've consistently maintained timely payments on this account and have never been late. I'm puzzled by the reports of late payment remarks on my accounts.

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 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion please be advised that I sent a dispute letter to you challenging incorrect information on my credit report on XX/XX/2024. It is my understanding of the law that you are required to complete your investigation within thirty days. I will attach my dispute letter that is dated, and time stamped. I do believe your company is in violation of the FCRA for false and inaccurate reporting of the following accounts : XXXX Account Number : XXXX Remove this account due to misleading and false reporting. This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. DEPTEDXXXX Account Number : XXXX Remove this account from my credit report due to it being over 7 years old. XXXX XXXX XXXX Account Number : XXXX Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely. XXXX Account Number : XXXX You are reporting inaccurate information such as disparities in the High credit limit last reported and date last active. This is a violation of the FCRA.

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 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$630.00} XX/XX/XXXX XXXX XXXX XXXX {$760.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer 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 2024-02-13 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: IL

Complaint narrative:
I recently received a copy of my credit report and found that you are illegally reporting inaccurate information about me, The following alleged account is listed as a collection with PAST DUE balance of XXXX under account name of XXXX XXXX XXXX, this is a violation the FCRA and XXXX XXXX compliance reporting standards.

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 2024-02-13 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: IL

Complaint narrative:
I recently received a copy of my credit report and found that you are illegally reporting inaccurate information about me, The following alleged account is listed as a collection with PAST DUE balance of XXXX under account name of XXXX XXXX XXXX, this is a violation the FCRA and XXXX XXXX compliance reporting standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: NJ

Complaint narrative:
It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
The Bank of America Corporate Center XXXX XXXX XXXX XXXX, XXXX, NC XXXX Dear sir, I have received a letter from your bank company, Bank of America, which indicate that I have some disputes on my account ending XXXX Since I do not recognize which account you mean, I need to ask to clarify me which dispute you mean. As far as I remember, I complained about my dental issue/grievance to your bank, since your bank is my main bank. Or this XXXX account might be my joint account, which shares with my legal son. I request the clarification. 

Sincerely,

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 2024-02-13 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: VT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, CA XXXX Experian XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
CHILD SUPPORT ENFORCEM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXXXXXX XXXX XXXX  SEC # XXXX XXXX XX/XX/1985 ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX VT 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 2024-02-13 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
This company is attempting to collect a debt when I have not consented and done business with this company no contracts or wet ink signature. My information was sold without consent and Published for public view. My personal private information is and has been compromised by this company. I cease and desist this account. This company has illegally obtained my personal information from a company without consent of the consumer in order to sell personal private information. I have disputed this account and have not received any information that has verified accuracy. The reporting status violates this company not sending me a 1099-C form and conspires to tax fraud 18 USC 1028 Fraud and related activity in connection with identification features, and information knowingly and without lawful authority. The malicious intent of willful noncompliance causing damage to my consumer financial reputation without legal justification. Failing to provide proper forms falls under The False Claims Act, please cease and desist all communication in regards to this account. I have not received the accounting on this account which is unfair practices 15 USC 1692f. Please deleted account from your records.

Company response to consumer: Closed with explanation