vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-25 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: FL

Complaint narrative:
XXXX XXXX Transunion are reporting my credit card utilization which the law say it is illegal to report transaction history 15 U.S.C 1681a ( 2 ) Exclusions. I did not give them any written consent verbal or nonverbal authorization to add anything to my consumer report which is a violation of the Fair Credit Reporting Act P.L 90-321 ( 82 stat.146 ) I also have accounts on my credit report that are " Charge Off 's '' & is considered a Certificate Of Indebtedness which means its income & can not be reported to my credit report & needs to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are Charge Offs which need 's to be removed. XXXX XXXX TransUnion have inquiries I need removed from my report that I do not have open accounts 15 USC 1681b Permissible Purposes Of Consumer Report. I also need all late payments to be updated to paid on time 15 USC 1966b Timing Of Payments. I also need all credit bureau 's to assure maximum accuracy of information on my report15 USC 1681e ( b ) Compliance Procedures Accuracy of report because the information do not match not even my credit score everything needs to match which is violating section 1681b Permissible Purposes & 1681c Requirments Relating To Information Contained In Consumer Reports also 15 USC 1681c ( a ) ( 5 ) states except as authorized under subsection ( b ) no consumer reporting agency may make any report containing any of the following items of information any other adverse item of information other than records of conviction of crimes which antedates the report by more than seven years which they have five records that are more than seven years old on my report that needs to be removed & these accounts is an adverse item they are reporting again without my permission which is against the law 15 USC 1681s -2 ( A ) ( 1 ). they also violating the Privacy Act of 1974

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 2024-04-25 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: FL

Complaint narrative:
Equifax XXXX XXXX are reporting my credit card utilization which the law say it is illegal to report transaction history 15 U.S.C 1681a ( 2 ) Exclusions. I did not give them any written consent verbal or nonverbal authorization to add anything to my consumer report which is a violation of the Fair Credit Reporting Act P.L 90-321 ( 82 stat.146 ) I also have accounts on my credit report that are " Charge Off 's '' & is considered a Certificate Of Indebtedness which means its income & can not be reported to my credit report & needs to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are Charge Offs which need 's to be removed. XXXX Equifax XXXX have inquiries I need removed from my report that I do not have open accounts 15 USC 1681b Permissible Purposes Of Consumer Report. I also need all late payments to be updated to paid on time 15 USC 1966b Timing Of Payments. I also need all credit bureau 's to assure maximum accuracy of information on my report15 USC 1681e ( b ) Compliance Procedures Accuracy of report because the information do not match not even my credit score everything needs to match which is violating section 1681b Permissible Purposes & 1681c Requirments Relating To Information Contained In Consumer Reports also 15 USC 1681c ( a ) ( 5 ) states except as authorized under subsection ( b ) no consumer reporting agency may make any report containing any of the following items of information any other adverse item of information other than records of conviction of crimes which antedates the report by more than seven years which they have five records that are more than seven years old on my report that needs to be removed & these accounts is an adverse item they are reporting again without my permission which is against the law 15 USC 1681s -2 ( A ) ( 1 ). they also violating the Privacy Act of 1974

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-04-25 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: Experian Information Solutions Inc.
State: IA

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

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 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Acceptance Corporation
State: IL

Complaint narrative:
This account is not mine I keep tryna get it off my credit its hurting it they are violating my rights 15 usc 1692e ( e ) Law stating " If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communications reporting to my consumer report to a form of communication

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I did not receive any communications. I observed that the debt was included in my credit report by all three Credit Reporting Agencies ( CRAs ). 

I contacted LVNV Funding via email and postal mail to request that they validate the debt in accordance with the XXXX XXXX XXXX. They failed to respond. Subsequently, I received a notification from Resurgent Capital Services. I sent them a letter requesting validation of the debt. 

The involvement of XXXX collection agencies constitutes a legal violation. The fact that they have not validated the debt and continue to report negatively to the XXXX CRAs violates the XXXX XXXXXXXX XXXX and the Federal Fair Debt Collection Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I filed a complaint for fraud on my Citibank checking account, my debit card was skimmed and or cloned and used in XXXX XXXX XXXX, with 4 charges of {$130.00} between XX/XX/XXXX and XXXXXXXX XXXX. I was in XXXX XXXX California shopping. It would have been impossible for me to be in XXXX and New York, and although I disputed the charge Citibank denied the claim.

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 monetary relief
Consumer complaint received 2024-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
The account, held by XXXX XXXX, was terminated by the creditor. Shortly thereafter, they began deducting a monthly payment from my Social Security benefits. Several years have transpired since then. 

The creditor is reporting the account as a collection with no payments received. However, they have received a payment each month since XXXX. In XXXX, my tax refund exceeding {$6000.00} was seized and used to pay off the entire account. Despite this, the creditor continues to report the account negatively. Within 45 days, approximately {$3000.00} was returned due to an error by the Internal Revenue Service ( IRS ). The creditor continues to receive an automatic payment from my Social Security benefits. 

The account is still being reported as having no payments received, despite the fact that payments have been made on time each month. I have disputed the negative reporting with the XXXX credit reporting agencies ( CRAs ) many times, including a request for validation of the debt. The XXXX CRAs and XXXX XXXX have failed to validate the debt. Recently, my XXXX tax refund of {$1100.00} was sent to the creditor, reducing the original debt of {$8000.00} in XXXX to {$1500.00}. 

They are not above the law being under the umbrella of the federal government.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 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: CA

Complaint narrative:
looked at my report back on XX/XX/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. These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX,, are not complete and accurate. 

And one more thing according to 15 USC 1681s-2 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. 



I sent a letter asking them to make sure everything is complete and accurate and here is my tracking number They sent me investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate And according to nd according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) 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 this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( XXXX ) : ( XXXX ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( XXXX ) ( B ) ( XXXX ) by not later than 15 days after receiving a request from the consumer for that description. 

But they did not do that as well either. 

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 2024-04-25 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: OH

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-04-25 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I lodged a complaint against these Bureaus XXXX XXXX ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than XXXX days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-04-25 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: NV

Complaint narrative:
I am writing to formally dispute the fraudulent information on my credit report. Upon reviewing my report, I discovered accounts that does not belong to me and is a result of identity theft. These fraudulent accounts have already been removed from the records of other credit bureaus, indicating an inconsistency in your reporting. 

I contacted the bank associated with this account via phone call, and they have confirmed that the following accounts were fraudulent and have removed them from their records following the submission of the required FTC report. Despite this, the accounts remains on my credit report with your bureau. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 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 2024-04-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: TX

Complaint narrative:
I have tried disputing an account with Discover 2 times now. Discover is reporting false information about my account and the credit bureaus are not getting or not providing me with any documents that I requested. I have requested that Discover provide proof of me making my last payment on XXXX of XXXX. My last payment was XXXX of XXXX and this should have gone off my report last year according to the credit bureaus info on their website ; stating 7 years from the original late payment date. Discover is claiming it was current until 2 years later which is a bold face lie. I believe they should produce my account activity including these payments I supposedly made after XXXX of XXXX with copies of checks or debit card info or however they claim I made these payments. There are no documents I can provide to prove I didn't make payments when they claim I did.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 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: MI

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-04-25 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 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: NV

Complaint narrative:
Upon reviewing my recent credit report, I have identified discrepancies that require immediate attention. Specifically, regarding the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

The company has acknowledged this error and has committed to remove the accounts. Other credit bureaus have already removed the accounts after the company recognized the inaccuracy of the accounts. 

I kindly request a thorough investigation into these accounts and prompt communication of the findings via mail. According to information available online, such disputes should be resolved within XXXX days. Therefore, I expect to receive your response within this time-frame.

Company response to consumer: Closed with non-monetary relief