vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-08 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: NC

Complaint narrative:
I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per XXXX XXXXXXXX ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXXXXXX Balance : {$2300.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2300.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/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 non-monetary relief
Consumer complaint received 2024-04-08 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: NC

Complaint narrative:
I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA XXXX ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXXXXXX Balance : {$2300.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: GA

Complaint narrative:
I looked at my Transunion report back on XX/XX/2023 and noticed some things were incomplete and not accurate. And according to the FCRA whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts 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 are not complete and accurate. I sent a letter asking them to reinvestigate and also did a complaint with you the CFPB, certified mail receipt XXXX, to which I received a response that everything was complete and accurate but if you check my attachments everything is not complete and accurate. ( see attached ) I am now requesting a detailed description of the procedure used in the reinvestigation process? What XXXX compliance procedure was used in the reinvestigation of these accounts? Was the furnisher XXXX compliant? Which aspect of XXXX were they compliant with in the description of their response? What aspect of XXXX in the description made what they reported about the account accurate and verifiable? Please provide the information by your agency relating to the disputed accounts on my consumer report pursuant to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681i ( 6 ) ( b ) ( iii ) and 15 USC 1681i ( 7 ). 

Can you please see to it that TRANSUNION follows ALL Federal laws in accordance with 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 2024-04-08 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: UT

Complaint narrative:
I noticed on my report an account called XXXX XXXX XXXX acct # XXXX. I found XXXX and XXXX in the dates and amounts and history payments. This is against the law to report incorrect information. Please investigate my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 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: TX

Complaint narrative:
I have been trying to fix the inaccuracies on my credit report for years with Equifax, but now that I am trying to buy a home it is very important that these issues are fixed asap. I have sent numerous of letter to Equifax about the inaccuracies on my report, every single time, I get a generic letter in the mail saying that the accounts were " verified '' without showing me proof of how exactly did they verify with these companies, and then proceed to fix none of the inaccuracies. The last round of letters I sent on XXXX XXXX, Equifax sent back a letter refusing to investigate, saying that I did not send my own letters and that I used a third party credit repair company, which I did not. They are continuously violating FCRA 15 U.S. Code 5 1681. 

These are the following accounts that were disputed ; 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 ( Original Creditor : XXXX XXXX XXXX  ) - XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 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: FL

Complaint narrative:
I reviewed my credit report and found a multitude of errors listed that is a direct violation of my federally protected consumer rights. 

For example : According to 15 USC 1681a 2 ( A ) ( i ), the term " consumer report '' should not include reports containing information solely about transactions or experiences between the consumer and the person making the report, except as provided in paragraph ( 3 ).

In regards to 15 USC 1681a 2 ( A ) ( i ) : EXCLUSIONS from Consumer Report. You are in direct violation of FCRA 15 USC 1681a 2Ai by including transactions and/or experience ( transactional ) information in my consumer report, which is explicitly excluded by XXXX. 

Delete ALL erroneous data of late payments and balance data from the following account/s within XXXX calendar days by updating the payment history to current XXXX & XXXX the balance information listed. 

( SEE ATTACHED ) ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures 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, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 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: FL

Complaint narrative:
I reviewed my credit report and found a multitude of errors listed that is a direct violation of my federally protected consumer rights. 

For example : According to 15 USC 1681a 2 ( A ) ( i ), the term " consumer report '' should not include reports containing information solely about transactions or experiences between the consumer and the person making the report, except as provided in paragraph ( 3 ).

In regards to 15 USC 1681a 2 ( A ) ( i ) : EXCLUSIONS from Consumer Report. You are in direct violation of FCRA 15 USC 1681a 2Ai by including transactions and/or experience ( transactional ) information in my consumer report, which is explicitly excluded by Congress.

Delete ALL erroneous data of late payments and balance data from the following account/s within XXXX calendar days by updating the payment history to current XXXX & XXXX the balance information listed. 

( SEE ATTACHED ) ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures 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, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2024-04-08 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: Consumer Portfolio Services, Inc.
State: MS

Complaint narrative:
I sent a picture of my drivers license to my brother XXXX, he was in the process of trying to get a vehicle. The sales representative that we spoke with explained to us that since I wasnt co-signing on a vehicle that they didnt need to run my credit, I was confused with that information because if that was the case then why did they need me to probide anything on his behalf. I beleived the representative and provided my license and the very next day I began to receive notifications from credit karma that I had 6 new inquiries on my report in which I never consented to regardless of who it was from.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: LA

Complaint narrative:
Received a unauthorized inquiry from XXXX XXXX XXXX on XX/XX/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 2024-04-08 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: GA

Complaint narrative:
XX/XX/2024 XXXX, XXXX, and XXXX are reporting a Bankruptcy on my credit report and they have put in the Data furnisher as being the XXXXXXXX XXXX XXXXXXXX XXXX XXXX OF GEORGIA XXXX Which is false. 
I have attached a letter from the XXXX BANKRUPTCY XXXX XXXX XXXX OF GEORGIA. Verifying and stating that they do not furnish information over to the credit bereaus or any credit monitoring service nor do they verify or validate any information concerning bankruptcies. 
XXXX, XXXX, and Equifax are falsely stating this information on my credit report and have yet to remove it from my credit report. 

I contacted the court, and their response is enclosed. 
It is clear they do not report to any Credit Bureau for that matter ; therefore, their initial response verifying the item with the court was either an error or a lie. 
Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ), and the information must be deleted immediate

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: GA

Complaint narrative:
XX/XX/year> XXXX, Experian, and XXXX are reporting a Bankruptcy on my credit report and they have put in the Data furnisher as being the XXXXXXXX XXXX XXXX XXXX XXXX OF GEORGIA XXXX Which is false. 
I have attached a letter from the XXXX BANKRUPTCY XXXX XXXX XXXX OF GEORGIA. Verifying and stating that they do not furnish information over to the credit bereaus or any credit monitoring service nor do they verify or validate any information concerning bankruptcies. 
XXXX, Experian, and XXXX are falsely stating this information on my credit report and have yet to remove it from my credit report. 

I contacted the court, and their response is enclosed. 
It is clear they do not report to any Credit Bureau for that matter ; therefore, their initial response verifying the item with the court was either an error or a lie. 
Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ), and the information must be deleted immediate

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 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I noticed on my report an account called XXXX XXXX XXXX acct # XXXX. I found eeeors and incosyistancies in the dates and amounts and history payments. This is against the law to report incorrect information. Please investigate my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 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: UT

Complaint narrative:
I noticed on my report an account called XXXX XXXX XXXX acct # XXXX. I found eeeors and incosyistancies in the dates and amounts and history payments. This is against the law to report incorrect information. Please investigate my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: I.C. System, Inc.
State: FL

Complaint narrative:
I'm citing the Fair Credit Reporting Act 15 USC 1681 section 602a which emphasizes the importance of consumer reporting agencies treating consumers fairly, impartially, and respecting their privacy rights. XXXX and XXXX, as consumer reporting agencies, must adhere to this. As a consumer, I have the right to ensure my private information isn't shared, as supported by 15 USC 6801, which stresses financial institutions ' obligation to protect customer privacy. According to 15 USC 1681 section 604a ( 2 ), consumer reporting agencies can only furnish consumer reports with written consent, which I haven't provided. Any consent previously given to XXXX, XXXX, or the furnisher of information to credit agencies is revoked. 15 USC 6802 ( b ) ( c ) mandates financial institutions to inform consumers of their right to opt out of information disclosure, which hasn't been done. Moreover, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse items without permission. Additionally, 15 U.S. Code 1681s-2 ( A ) ( 1 ) prohibits furnishing inaccurate information, while 15 U.S. Code 1681e requires consumer reporting agencies to maintain reasonable procedures to avoid violations. XXXX and XXXX are not meeting these standards. Lastly, 12 CFR 1016.7 allows consumers to opt out at any time, and I am opting out of their reporting services.

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 2024-04-08 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: Aargon Agency, Inc.
State: FL

Complaint narrative:
I'm citing the Fair Credit Reporting Act 15 USC 1681 section 602a which emphasizes the importance of consumer reporting agencies treating consumers fairly, impartially, and respecting their privacy rights. XXXX and XXXX, as consumer reporting agencies, must adhere to this. As a consumer, I have the right to ensure my private information isn't shared, as supported by 15 USC 6801, which stresses financial institutions ' obligation to protect customer privacy. According to 15 USC 1681 section 604a ( 2 ), consumer reporting agencies can only furnish consumer reports with written consent, which I haven't provided. Any consent previously given to XXXX, XXXX, or the furnisher of information to credit agencies is revoked. 15 USC 6802 ( b ) ( c ) mandates financial institutions to inform consumers of their right to opt out of information disclosure, which hasn't been done. Moreover, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse items without permission. Additionally, 15 U.S. Code 1681s-2 ( A ) ( 1 ) prohibits furnishing inaccurate information, while 15 U.S. Code 1681e requires consumer reporting agencies to maintain reasonable procedures to avoid violations. XXXX and XXXX are not meeting these standards. Lastly, 12 CFR 1016.7 allows consumers to opt out at any time, and I am opting out of their reporting services.

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 2024-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
Dispute of Account and Request for Validation To : Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Portfolio Recovery Associates, This letter serves as a formal dispute of a debt you are attempting to collect from me. I am writing to inform you that I have no knowledge of this alleged debt and have not had a prior opportunity to dispute its validity. 

Furthermore, you have violated the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) in several ways : Failure to Provide Validation Notice ( 12 CFR 1006.34 ( b ) ( 5 ) ) : I have not received the required validation notice outlining the debt details and my rights to dispute it.

Denial of Dispute Opportunity ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ) : You have not provided a fair and accurate opportunity to dispute the legitimacy of this debt.

Improper Furnishing to Credit Bureaus ( 12 CFR 1006.34 ( d ) & 15 USC 1681-S2 ( 7 ) ( A ) ) : You have reported this collection to credit bureaus without providing the legally mandated disclosures. 

Due to these violations, I demand the following : Cease all collection activity on this account until the dispute is resolved. 

Provide a copy of the certified mail receipt with my signature, if you claim to have sent a validation notice within 5 days of receiving this debt from the original creditor. 

Furnish a complete debt validation package according to the FDCPA, including the original creditor, account origination date, and a breakdown of charges. 

Forward a copy of the XXXX tax form associated with this debt. 

I will be pursuing all legal options available to me if you fail to comply with these demands. This XXXX include filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the relevant credit reporting agencies. 

I expect a written response within 30 days of the receipt of this letter, which should detail your actions to address my dispute and rectify the violations mentioned above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been trying to fix the inaccuracies on my credit report for years with TransUnion, but now that I am trying to buy a home it is very important that these issues are fixed asap. I have sent numerous of letter to TransUnion about the inaccuracies on my report, every single time, I get a generic letter in the mail saying that the accounts were " verified '' without showing me proof of how exactly did they verify with these companies, and then proceed to fix none of the inaccuracies. The last round of letters I sent on XXXX XXXX, TransUnion XXXX back a letter refusing to investigate, saying that I did not send my own letters and that I used a third party credit repair company, which I did not. They are continuously violating FCRA XXXX XXXX XXXX XXXX XXXX. 

These are the following accounts that were disputed ; 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 non-monetary relief
Consumer complaint received 2024-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CLGF Holdco 1, LLC
State: NC

Complaint narrative:
Im getting third party emails from a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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