vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections XXXX09 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : 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 explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of addresses that I have never lived at before. 

These addresses were used to open accounts in my name : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX These are the accounts in my name that stems from the identity theft : XXXX XXXX OPENED AROUND XX/XX/XXXX UNDER ACCT # XXXX XXXXXXXX XXXX XXXX # XXXX COLLECTIONS OPENED AROUND XX/XX/XXXX A copy of an FTC report listing the ACCOUNTS opened in my name is enclosed. My consumer FICO credit report now contains multiple fake addresses as a result of these accounts. A copy of your consumer FICO credit report, which includes the aforementioned bogus addresses, and a list of the questioned addresses are attached. The aforementioned addresses, as reported, are unfamiliar to me. I never began using the aforementioned addresses that are listed on my consumer credit record that you maintain. The addresses listed above are all the product of fraud and identity theft. I've included a copy of the FTC Identity Theft Criminal Complaint # ( XXXX ) as official documentation from the US Federal Trade Commission demonstrating that the addresses listed above are all the product of fraud and identity theft.

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 2024-07-09 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: AZ

Complaint narrative:
The inaccuracies on my credit report are a big hindrance to my financial XXXX, my application for new credit keeps getting denied because of this. It is so frustrating that my rights as a consumer is being violated.

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 2024-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There is a fraud alert freeze on my credit. 
Everything I apply for I get denied I have nothing negative on my credit.it says for the creditors to call for verification but just deny me I need this fraud alert lifted 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 explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There is a fraud alert freeze on my credit. 
Everything I apply for I get denied I have nothing negative on my credit.it says for the creditors to call for verification but just deny me I need this fraud alert lifted 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 2024-07-09 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: AZ

Complaint narrative:
The inaccuracies on my credit report are a big hindrance to my financial freedom, my application for new credit keeps getting denied because of this. It is so frustrating that my rights as a consumer is being violated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Commercial Services, Inc
State: MD

Complaint narrative:
XX/XX/year> I have contacted the company in to frequent calls. They have contacted my mother home number and other family members that I do not reside with, they have violated my FCRA rights. When I tried to get the issue solved they hung up the phone and blocked my number from calling back their call center. They have also threatened me with legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
Third-party Debt collector LVNV Funding LLC Which I have no contract with. This company should not have my information. They are attempting to collect on a paid debt on XXXX XXXX XXXX, XXXX which violated the Privacy Act of XXXX as well as 12 CFR 1022.24 Reasonable opportunity to opt-out because I was never notified by XXXX XXXX XXXX XXXX XXXX that my nonpublic personal information was going to be shared with non-affiliated third parties such as XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, I was NEVER GIVEN THE CHANCE TO OPT OUT. Also, 15 USC 6508 states that I have the option to opt out of any account reported to my credit report and I am supposed to receive an opt-out notice every XXXX ( XXXX ) days which XXXX XXXX XXXX, XXXX never sent to me. I am exercising my rights under 16 CFR 313.7 Form of opt-out notice to consumers. I asking them to first prove the contractual agreement between XXXXXXXX XXXX XXXX / XXXX card services and forward to me such an agreement. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Account : XXXX Effective Date : XX/XX/XXXX Notice : Per the FCRA for the federally Protected Consumer : I XXXX XXXX XXXX am now Opting out of any, and all Authorization is given to report my personal information to a third party such as XXXX, XXXX, and XXXX. I the consumer have given you written, unwritten verbal, and nonverbal or by unknowingly accepting said terms by simply giving my information to you, per 15 USC 6802. 
I have not been given any option to opt-out and would like it to be a permanent process under this contract agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 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: GA

Complaint narrative:
Paid off my XXXX XXXX in XXXX, My statement cut XX/XX/XXXX. It is now XX/XX/XXXX and the card is still reporting as open and 97 % UTI when the card is paid off and has been since XXXX. I have called, disputed with the credit card bureaus and filled a XXXX report. A correction was made to one credit bureaus, but the other XXXX ( XXXX, XXXX ) have not. I have denied a home loan and a car loan due to the XXXX for this card pushing my income over the limit. I have called and emailed and got no response from the company. I need help with this issue getting my credit fixed.

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 2024-07-09 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: GA

Complaint narrative:
Paid off my XXXX card in XXXX, My statement cut XX/XX/XXXX. It is now XX/XX/XXXX and the card is still reporting as open and 97 % UTI when the card is paid off and has been since XXXX. I have called, disputed with the credit card bureaus and filled a XXXX report. A correction was made to one credit bureaus, but the other XXXX ( XXXX, Equifax ) have not. I have denied a home loan and a car loan due to the XXXX for this card pushing my income over the limit. I have called and emailed and got no response from the company. I need help with this issue getting my credit fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of addresses that I have never lived at before. 

These addresses were used to open accounts in my name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX These are the accounts in my name that stems from the identity theft : XXXX XXXX OPENED AROUND XX/XX/XXXX UNDER ACCT # XXXXXXXX XXXX  UNDER ACCT # XXXXXXXX XXXX OPENED AROUND XX/XX/XXXX A copy of an FTC report listing the ACCOUNTS opened in my name is enclosed. My consumer FICO credit report now contains multiple fake addresses as a result of these accounts. A copy of your consumer FICO credit report, which includes the aforementioned bogus addresses, and a list of the questioned addresses are attached. The aforementioned addresses, as reported, are unfamiliar to me. I never began using the aforementioned addresses that are listed on my consumer credit record that you maintain. The addresses listed above are all the product of fraud and identity theft. I've included a copy of the FTC Identity Theft Criminal Complaint # ( XXXX ) as official documentation from the US Federal Trade Commission demonstrating that the addresses listed above are all the product of fraud and identity theft.

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 2024-07-10 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: SC

Complaint narrative:
In accordance with the fair credit reporting act the accounts listed below have violated my rights as a consumer. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX | account # XXXX Investigate recovery| account # XXXX XXXX XXXX | account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX | account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX  |Account # XXXX XXXX XXXX XXXX | account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX | account XXXX XXXX XXXX XXXX XXXX| account # 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 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hi, Last XXXX I came across a great deal on XXXX XXXX  for an air purifier, big discount and 0 % interest over 6 months. I had no idea itll be reported as a consumer finance loan on my Experian credit report. First surprise was the purchase being reported as consumer finance loan, permanently marking my otherwise great credit profile as risky. After completing the payments on time, I reached out to XXXX, explained how their small paid off loan is resulting in a XXXX points drop on my credit report, banks are declining my credit increase requests and I fear Ill be penalized for it as I get ready to buy a home. XXXX  call center simply kept me on hold before disconnecting the call after a wait of 20 minutes, twice. The only feedback I got was XXXX  reported it as per policy. I wouldnt have gotten this small loan if I knew itll be reported and would be considered a risky consumer finance loan. The categorization of the loan was not mentioned anywhere in their documentation I understand their mandate on accurate credit reporting but penalizing my whole meticulously manage credit profile over a {$200.00} paid off loan is just not fair. Experian and buy now pay later industry needs to get their act together, agree on a suitable category for such loans before they penalize consumers for not very transparent gotchas they got hidden in their agreements. 

I request that XXXX  consumer finance loan entry be struck off my Experian credit report in good faith, helping me ensure I can buy and afford a house for my family at favorable rates I deserve based on my real credit profile.

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 2024-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: FL

Complaint narrative:
This company appeared on my credit report with zero information about the debt. They never sent me any notices or letters about this debt. I disputed it on XX/XX/year> and to this day they still havent responded once.

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 2024-07-09 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: LJ Ross Associates
State: MI

Complaint narrative:
On XX/XX/year>, I received an alert from XXXX of the consumer reporting agencies, that a new collection agency was added to my credit report with the name LJ Ross Associates. I have never heard of this company and have never had any contact of any kind or any platform from LJ Ross Associates. 

15 U.S. Code 1692g- Validation of debts, specifically states : ( a ) Notice of debt ; contents Within XXXX days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( XXXX ) the amount of the debt ; ( XXXX ) the name of the creditor to whom the debt is owed ; ( XXXX ) a statement that unless the consumer, within XXXX days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( XXXX ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( XXXX ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 

Based on the forgoing, LJ Ross Associates violated 15 U.S. Code 1692g. of the FDCPA ( Fair Debt Collection Practices Act ). LJ Ross Associates never communicated with me about any debt, that was placed on my consumer credit report on XX/XX/year>. LJ Ross Associates failed to send me a written XXXX validation notice within XXXX days of the initial communication. 

The erroneous reporting to the consumer reporting agencies, and the highly negative impact on my consumer credit report that was reported on XX/XX/year> is a serious violation of my privacy. Therefore, LJ Ross Associates, have violated the following. 

The FDCPA ( Fair Debt Collection Practices Act ) The FCRA ( Fair Credit Reporting Act

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I've called and mailed complains asking for reason for denial But pursuant to 15 usc 1691 It is unlawful to discriminate and deny credit, when I'm moving with good faith. 

Pursuant to 15 usc 1602 you can not deny me my credit, because I'm the Original creditor

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 2024-07-09 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: CL Holdings LLC
State: LA

Complaint narrative:
I have attached a copy of my credit report highlighting the duplicate accounts for your reference. 

I have not yet contacted the credit reporting agencies or the creditors regarding this issue. I wanted to first inform the CFPB to ensure that this matter is properly documented and addressed according to the FCRA guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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.

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.

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