vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-27 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: MN

Complaint narrative:
XXXX XXXX XXXX. Account number XXXX. Date opened XX/XX/XXXX XXXX XXXX XXXX. Account number XXXX. Date opened XXXX XXXX, XXXX XXXX XXXX XXXX. Account number XXXX. Date opened XX/XX/XXXX XXXX XXXX XXXX. Account number XXXX. Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX Account number XXXX. Open/closed Open The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, 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 2023-05-27 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX account XXXX opened XX/XX/2021 balance XXXX This accounts is not mines and is being falsely and fraudulently reported as opened with a XXXX balance no payment history I have never had an account with this company or signed a contract with this company I have called and disputed this information this account and a proper investigation was not done. This account is not on any of my other credit report such as XXXX and XXXX which is in violation of usc 1681 complete and accurate and consistent information Violation of 15 usc 1681i 6 ( b ) ( iii ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( 7 ) Description of reinvestigation procedure. -- A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/ invalidated credit information. Please remove immediately.

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 2023-05-27 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to seek your assistance in resolving a matter concerning inaccurate information on my credit report, which has not been appropriately addressed by Equifax. On XX/XX/XXXX, I contacted Equifax to report the following erroneous entries on my credit report. However, I have not received any response or resolution to date. 
Account 1 : Creditor : XXXX XXXX Date Opened : XXXX XXXX, XXXX Credit Limit : {$750.00} Account 2 : Creditor : XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$0.00} Account 3 : Creditor : XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$1900.00} Original Creditor : XXXX XXXX XXXX Account 4 : Creditor : XXXX Date Opened : XXXX XXXX, XXXX Balance : {$290.00} Original Creditor Name : 01 XXXX XXXX I want to emphasize that none of the above accounts belong to me, and it is imperative that they are removed from my credit report promptly. I have fulfilled my obligations as a responsible consumer by promptly notifying Equifax of these discrepancies, but their lack of response is concerning. I believe Equifax has an obligation to comply with federal law and investigate the validity of these accounts as per my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-27 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX AND EQUIFAX ARE REPORTING Unknown, unauthorized, and Unrecognized, from XXXX XXXX XXXX opened a COMMERCIAL DEBT BUYER FIRM EVEN DURING MY MULTIPLE DISPUTES BEING AFFECTED BY COVID-19 DURING THE GLOBAL PANDEMIC HARDSHIP. THIS INACCURATE REPORTING HAS DESTROYED MY XREDIT HISTORY AND TANKED MY SCORE CAUSING IRREPARABLE DAMAGE. 
I do not have an account opened by XXXX XXXX XXXX IN XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX  Original Creditor Company Sold Account Type Date Opened Status XXXX XXXX Debt Buyer XX/XX/XXXX Collection account. {$480.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX {$480.00} XX/XX/XXXX {$480.00} 0 %

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX AND EQUIFAX ARE REPORTING Unknown, unauthorized, and Unrecognized, from XXXX XXXX XXXX opened a COMMERCIAL DEBT BUYER FIRM EVEN DURING MY MULTIPLE DISPUTES BEING AFFECTED BY COVID-19 DURING THE GLOBAL PANDEMIC HARDSHIP. THIS INACCURATE REPORTING HAS DESTROYED MY XREDIT HISTORY AND TANKED MY SCORE CAUSING IRREPARABLE DAMAGE. 
I do not have an account opened by XXXX XXXX XXXX IN XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX Original Creditor Company Sold Account Type Date Opened Status XXXX  XXXX Debt Buyer XX/XX/XXXX Collection account. {$480.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX {$480.00} XX/XX/XXXX {$480.00} 0 %

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hello and to whom it may concern. I was looking at my credit report and noticed 2 addresses not associated with me. 

address 1 ) XXXX XXXX XXXX XXXX XXXX fl XXXX 2 ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX I have only lived at 1 address in fl. To my understanding there is another XXXX XXXX in my area

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 2023-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello and to whom it may concern. I was looking at my credit report and noticed 2 addresses not associated with me.

address 1 ) XXXX XXXX XXXX XXXX XXXX fl XXXX 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I have only lived at 1 address in fl. To my understanding there is another XXXX XXXX in my area

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX account XXXX XXXX opened XX/XX/2022 balance XXXXThis accounts is not mines and is being falsely and fraudulently reported as opened with a XXXX balance no payment history I have never had an account with this company or signed a contract with this company I have called and disputed this information this account and a proper investigation was not done. This account is not on any of my other credit report such as XXXX and XXXX which is in violation of usc 1681 complete and accurate and consistent information Violation of 15 usc 1681i 6 ( b ) ( iii ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( 7 ) Description of reinvestigation procedure. -- A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/ invalidated credit information. Please remove immediately.

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 2023-05-27 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX, Equifax and XXXX to reinvestigate these accounts : Account : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account Name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case. See ATTACHED

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-27 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: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX, the account did not appear on my credit report. However, it unexpectedly reappeared on XX/XX/XXXX, indicating a delinquent balance. This is inaccurate and a violation of the Metro 2 compliance standards. Specifically, there are apparent discrepancies related to the " date of last activity, '' " past due amount, '' and " date of last payment. '' I am writing to formally lodge a complaint against " XXXX XXXX XXXX '' and the Credit Reporting Agencies ( CRAs ) XXXX and Equifax regarding their unacceptable credit reporting practices. Despite my account with XXXX XXXX XXXX being closed in XX/XX/XXXX due to fraud, these entities continue to report the account as active. Furthermore, XXXX refuses to address the issue, asserting that the account complies with the Fair Credit Reporting Act ( FCRA ). 

I believe this conduct constitutes a breach of the Fair Credit Reporting Act ( FCRA ), particularly sections 623 ( a ) ( 2 ) and 623 ( a ) ( 5 ). According to Section 623 ( a ) ( 2 ), furnishers must provide accurate information, which they have failed to do in this case. Section 623 ( a ) ( 5 ) mandates that furnishers report the delinquency date to the CRAs, which has been incorrectly handled here. 

Furthermore, this erroneous reporting violates the Consumer Financial Protection Bureaus ( CFPB ) Regulation V, which implements the FCRA and has been disregarded in this instance. Under Regulation V, furnishers must rectify and update inaccurate information, a responsibility they have neglected.

The inaccurate reporting by these entities has had a detrimental impact on my credit history and score. Consequently, it unfairly hampers my ability to access credit and other financial services. XXXX  XXXX XXXX and the CRAs ' ongoing negligence and failure to comply with consumer protection laws and Metro 2 compliance standards are causing significant harm to me.

I am asking for an immediate investigation into this matter by the CFPB. Also, I demand that the CRAs correct my credit report to delete the erroneous information, accurately reflect the status of my account, and ensure future compliance with the FCRA and Metro 2 standards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-27 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

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 2023-05-27 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to seek your assistance in resolving a matter concerning inaccurate information on my credit report, which has not been appropriately addressed by Experian. On XX/XX/XXXX, I contacted Experian to report the following erroneous entries on my credit report. However, I have not received any response or resolution to date. 
Account 1 : Creditor : XXXX XXXX Date Opened : XXXX XXXX, XXXX Credit Limit : {$750.00} Account 2 : Creditor : XXXX XXXX XXXX  Date Opened : XXXX. XXXX, XXXX Balance : {$0.00} Account 3 : Creditor : XXXX XXXX XXXXXXXX Date Opened : XXXX XXXX, XXXX Balance : {$1900.00} Original Creditor : XXXX XXXX XXXX I want to emphasize that none of the above accounts belong to me, and it is imperative that they are removed from my credit report promptly. I have fulfilled my obligations as a responsible consumer by promptly notifying Experian of these discrepancies, but their lack of response is concerning. I believe Experian has an obligation to comply with federal law and investigate the validity of these accounts as per my request.

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 2023-05-27 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nelnet, Inc.
State: MI

Complaint narrative:
Account Name : NelNet Account number : XXXX I am sending this letter in response to a letter you sent me on XX/XX/2023. I want to inform you that this is NOT a refusal to pay but in accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting a validation of debt. ( 15 USC 1692g Sec. 809 ( b ) ). I am NOT requesting a verification, but I am requesting for validation. I request that your office provide me with evidence that I am obligated to pay you.

Please provide me with the following information : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual furnishers of information.

3. Provide copies of agreements bearing my signature stating that I agreed to pay what you say I owe.

4. Show me the proof that you are licensed to collect in my state ; provide your license number 5. Provide me with proof that the statute of limitations have not expired.

6. The method of communication you used to verify the information.

7. Requesting that full account numbers are revealed for the partial account number being reported.

8. A valid, legible copy of the agreement stating the debt and interest charges. If your company fails to comply or respond to this letter within the allotted time of 30 days from the date you receive this letter, this account must be deleted and removed immediately from my credit report. Also, all future attempts to collect this debt must stop. 


Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
I have no idea who this company is and the phone just rings or picks up and hangs up

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENOVA INTERNATIONAL, INC.
State: NC

Complaint narrative:
While attempting to collect a debt, Netcredit called me every day violating my rights with harassing phone calls, until I was forced to implement a cease and desist. At the moment, a court case of XXXX XXXX  Netcredit is in the Floirida court system as XXXX is pursuing NetCredit for XXXX  in the state of Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 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: PA

Complaint narrative:
According to the fair credit reporting act 15 USC 1681 section 602A, states there is a need to ensure the consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and their respect for the consumers right to privacy XXXX and XXXX are consumer reporting agencies that I am a consumer. I have the right to make sure my private information isnt shared, which is back by 15 USC 6801 which states it is the policy of the Congress that each financial institution has an informative in continuing obligation to respect the privacy of its consumers, and protect the security and confidentialities of those consumers nonpublic, personal information furniture of the information to credit agencies the financial institution in consumer reporting agencies, XXXX and XXXX do not have my consent to finish this information, and they surely do not have my written consent any and all consent XXXX XXXX or XXXX XXXX furniture of information to credit agencies, whether it be verbal, nonverbal, XXXX, implied or otherwise is revoked 15 USC 1602 ( b ) ( c ) states that a financial institution may not disclose nonpublic personal information to a non-affiliated third-party unless the consumer is given an explanation of how the consumer can exercise that non-disclosure ( furniture of the information to credit agencies ) I was never informed of my right to exercise my nondisclosure option not only that 15 USC 1681C ( a ) ( 5 ) states except is authorized under subsection B, no consumer reporting agency, make any consumer report containing any of the following items of information, any other adverse items of information, other than records of convictions of crimes, which antedates the report by more than seven years this account is an adverse item, and they are reporting again without my permission place is against the law 15 USC Statu , 1681S 2 ( A ) ( 1 ) state a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cost to believe that the information is an accurate. 15 US code 1681 E. State every consumer reporting agency, tell me maintain reasonable procedures, design to avoid violations of section 1681C of this title and to limit the furnishing of consumer reports to the purposes listed under 1681 feet of this title XXXX, XXXX, and XXXX XXXX Im not maintaining rreasonable procedures. Also 12 CSR statute 1016.7 states that. any consumer me exercise the right to opt out at any time I am opting out of your reporting services. Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 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: CITIBANK, N.A.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Accounts : XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX ( Miscellaneous ), XXXX XXXX ( Miscellaneous ), has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agenecy can not furnish a account without my written instructions.

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