vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-02 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: CORELOGIC INC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX CoreLogic, XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Dear CoreLogic Dispute Department, I am writing to formally request verification of all accounts listed on my consumer report, in accordance with Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ). Federal law mandates that you verify, through the physical verification of the original signed consumer contract, any and all accounts that you report on a credit file. Without such verification, there is a risk that fraudulent accounts could be submitted via fax, mail, or email by unauthorized parties. 

I demand to see verifiable proof, specifically an original consumer contract bearing my signature, for each account reported under my name. Your failure to positively verify these accounts has adversely impacted my ability to obtain credit, and as stipulated by the FCRA, any unverified accounts must be promptly removed from my credit report. If you are unable to provide a copy of this verifiable proof for any account, you are required by law to delete the account from my report immediately. 

I demand that all accounts on my report be verified or removed without delay. 

Please provide me with the verification documents at your earliest convenience, or proceed with the removal of any unverified accounts from my credit file. 

Failure to comply with this request in a timely and adequate manner will leave me with no choice but to pursue legal action to enforce my rights under the FCRA. 

Sincerely, XXXX XXXX XXXX XXXX : XXXX DOB : XXXX Phone : 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 2024-09-02 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: LA

Complaint narrative:
THIS IS NOT A DUPLICATE On XX/XX/year>, I received a letter from TransUnion stating that they had completed an investigation into the collection account with XXXX XXXX XXXX related to XXXX XXXXXXXX XXXX XXXX, and that the investigation verified the debt. However, it is clear that TransUnion did not complete a thorough investigation for several reasons : Inaccurate Spelling of My Name : TransUnion does not have the correct spelling of my name, which I have provided them through my previous communications and complaint submitted to the CFPB on XX/XX/year>. The continued use of an incorrect spelling demonstrates that they did not accurately or thoroughly review the information I provided. 

Failure to Provide Requested Documentation : I requested specific information from the debt furnisher, including the contract assignment, which has not been provided to me within the 30-day period as required by law. There is no way that TransUnion could have verified the inaccuracies reported by the debt furnisher without this documentation. 

Legal Violations : Fair Credit Reporting Act ( FCRA ) Violations : Section 611 ( 15 U.S.C. 1681i ) - Procedure in Case of Disputed Accuracy : TransUnions failure to conduct a thorough investigation and their verification of the debt without receiving the necessary documentation from the debt furnisher constitutes a violation of the FCRA. This section mandates that if a consumer disputes the accuracy of any information, the credit reporting agency must conduct a reasonable investigation and delete or correct any inaccurate, incomplete, or unverifiable information within 30 days. 
Section 611 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) - Requirement for Reinvestigation : Since the proper documentation was not provided to me within the 30-day period, TransUnion can not legally claim that the debt was verified. Therefore, they are obligated under the FCRA to delete this account from my credit report. 
Section 605 ( a ) ( 15 U.S.C. 1681c ) - Requirements Relating to Information Contained in Consumer Reports : TransUnion is required to report only accurate information. The continued presence of this collection account, despite its inaccuracy and the failure to receive the requested documentation, is a violation of this provision. 
Falsification of Investigation Results : The fact that TransUnion claims to have verified the debt without receiving the necessary documents suggests that they have falsified the investigation results. This is a serious breach of their legal obligations under the FCRA and further supports the need for immediate deletion of the account.

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 2024-09-02 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: SC

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.

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 2024-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-02 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: AZ

Complaint narrative:
I recently looked at my consumer report and was very upset to see items that are a result of identity theft. I did not provide written authorization or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. You are required to do what I am asking and block these transactions listed in my FTC report and letter attached. The identification of these transactions are stated in my FTC report and in my letter attached. You are required to block these transactions on my consumer report within 4 days of the receipt of this notice. I look forward to your response. Also, please note that this is not coming from a credit clinic or or third party credit repair company. I, as the consumer, am sending this letter to you as myself. Thank you. The inquiries in question are not related to any actions I have taken as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2024-09-02 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: 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
Consumer complaint received 2024-09-02 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-02 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: CT

Complaint narrative:
Please remove fraudulent accounts and hard inquiries off my credit profile from XXXX, XXXX, Trans union immediately. 

XX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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 2024-09-02 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: AL

Complaint narrative:
After careful review of my credit report experian XXXX has put 2accounts with XXXX XXXX back on report after previously removing the accounts without validation from creditor Fair Debt Collection Practices Act,15 USC 1692g stating your claim is disputed and validation is requested. I have requested validation of accounts from creditor they have not responded email was sent to corporate office and president of company with clear instruction and proof of identity they are now in violation of my rights as well as experience and transunion I ask that you remove both accounts listed in the complaint

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 2024-09-02 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: VA

Complaint narrative:
In XXXX XXXX XXXX XXXX XXXX XXXX was given the task of collecting and distributing child support for my ex wife. Money was to be taken my paycheck directly and given to her. However, until it started I sent them a check. Unknown to me th we considered this action as a late payment and reported it to the credit bureaus. I have sent copy of the cleared check to show I was not late in paying but the late payment still remains. Also, my daughter has turned XXXX and graduated high school in XX/XX/XXXX so I do not owe child support any longer. XXXX XXXXXXXX sent me a check for over {$900.00} in refund for my overpayment of child support. I provided court documents showing when child support started and ends as well as cleared first check showing no late payment as well as refund showing nothing owed but it remains on my credit reports. Should not even be on there at all. I owe nothing and was never late

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
In XXXX XXXX XXXX XXXX XXXX XXXX was given the task of collecting and distributing child support for my ex wife. Money was to be taken my paycheck directly and given to her. However, until it started I sent them a check. Unknown to me th we considered this action as a late payment and reported it to the credit bureaus. I have sent copy of the cleared check to show I was not late in paying but the late payment still remains. Also, my daughter has turned XXXX and graduated high school in XX/XX/XXXX so I do not owe child support any longer. XXXX XXXXXXXX sent me a check for over {$900.00} in refund for my overpayment of child support. I provided court documents showing when child support started and ends as well as cleared first check showing no late payment as well as refund showing nothing owed but it remains on my credit reports. Should not even be on there at all. I owe nothing and was never late

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 2024-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: FL

Complaint narrative:
Received notification of a debt due of {$230.00} on my credit report from Hunter Warfield Inc.

I have never heard of this company and I have never been notified/contacted by this company or any other company they are working on behalf of by any means saying that I owed someone a debt. This has caused my credit score to drop and I would like this removed immediately from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-02 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: 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 XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2024-09-02 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Harley Davidson Financial Services Inc
State: CO

Complaint narrative:
XX/XX/XXXX Subject : Harassment by Harley-Davidson Financial Services Dear Sir/Madam, I am writing to file a formal complaint regarding the harassment I have experienced from Harley-Davidson Financial Services. I have a loan with Harley-Davidson , for which my payment was due on XX/XX/XXXX. 

Over the past XXXX days, I have received approximately XXXX phone calls from Harley-Davidson Financial Services regarding this payment, even though it was not yet XXXX days late as of today, XX/XX/XXXX. I consider this level of contact to be excessive and harassing, especially since I was fully aware of the payment due date and intended to address it within the XXXX grace period. I would also like to add this has been happening since I bought it in XXXX of XXXX. Ive only been 30 days late XXXX time. 

I believe that this repeated contact violates the Fair Debt Collection Practices Act ( FDCPA ), which restricts the frequency and nature of contact from creditors. I kindly request that the FTC investigate this matter and take appropriate action to ensure that Harley-Davidson Financial Services complies with federal regulations regarding debt collection practices.

Please inform me of any steps I need to take or additional information I can provide to support this complaint. I appreciate your attention to this matter and look forward to a resolution that upholds consumer rights. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-02 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: NC

Complaint narrative:
Ive recently checked my credit report and noticed some inaccurate accounts reporting, please see attached.

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 2024-09-02 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: NC

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-09-02 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: NC

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 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 XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX U.S.C XXXX section XXXX XXXX XXXX I have the right to privacy. 

XXXX XXXX XXXX section XXXX A section XXXX : it also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX. ( a ) ( XXXX ) 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 XXXX years. 

XXXX U.S.C XXXX ( A ) ( XXXX ) 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 response to consumer: Closed with non-monetary relief