vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-16 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: National Credit Adjusters, LLC
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.In accordance with the Fair Credit Reporting act.

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 XXXX XXXX  XXXX  Accounting # XXXX National Credit Adjusters Collections Account # XXXX XXXX  XXXX  Account # XXXX XXXX  XXXX  Account # 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 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 — Investigation took more than 30 days
Company: ALLY FINANCIAL INC.
State: CO

Complaint narrative:
Auto loan was involved in a total loss. The insurance company XXXX paid the claim although there was a gap remaining. I had gap insurance and the gap company XXXX was waiting for the police report. I provided the police report information and XXXX processed the information. They stated that they would not pay the gap. The lender Ally bank Provided the payment history to XXXX And XXXX denied the payment for the gap of {$1700.00}. I was not aware that the gap was not paid until XX/XX/XXXX. This incident happened in XX/XX/XXXX. The payment history that Ally bank Provided to the gap insurance company showed three missing payments. The missing payments were due to Ally bank offering three deferred payments during the XXXX Covid. These payments were not late but instead deferred to the end of the loan. I have never been late on any installment loan payment. I ended up paying the {$1700.00} of gap difference and due to me not finding out that this payment was never paid to a XXXX balance, Ally bank reported the three deferred payments to the gap company. I have never made a late payment ever and these three deferred payments caused Ally bank to report three late payments on my credit report. This has changed my score dramatically. I will never receive my {$1700.00} back due to this discrepancy. Please help in correct in this error on my credit report. Thank you

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 2022-06-16 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I called Equifax after I purchased a credit report with XXXX  on XX/XX/2022. After receiving a copy of my report, I saw some UNVERIFIABLE accounts on my personal profile ; I noticed that there were CHARGE OFF accounts on my credit report : 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 which are UNKNOWN to me . This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

A copy of my Utility Bill, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Equifax not blocking these accounts are inadvertently resulting in me being extorted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 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: CA

Complaint narrative:
I called Transunion after I purchased a credit report with XXXX  on XX/XX/2022. After receiving a copy of my report, I saw some UNVERIFIABLE accounts on my personal profile ; I noticed that there were CHARGE OFF accounts on my credit report : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

A copy of my Utility Bill, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Transunion not blocking these accounts are inadvertently resulting in me being extorted.

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 2022-06-16 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following has violated my rights. 
XXXX XXXX XXXX XXXX Acc # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, De XXXX XXXX XXXX XXXX XXXX Acc # XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX  Acc # XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 with out 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 non-monetary relief
Consumer complaint received 2022-06-16 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following has violated my rights. 
XXXX XXXX XXXX XXXX Acc # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, De XXXX XXXX XXXX XXXX XXXX Acc # XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX  Acc # XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 with out my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Trans Union has delayed my demand to remove info on my credit report for way too long. I have contacted Trans Union by phone on more than one occasion and sent several different letters. There has been absolutely NO response! As a consumer I'm both annoyed and irritated by the run around. There are several inquiries on my report that are unauthorized and Trans Union has continued to furnish this report without my consent. Trans Union has not given me the method they used to verify with ANY of these companies by way of a signed authorization that has my signature. According to the FCRA the only permissible purposes to obtain a report are : a firm offer of credit, insurance, employment, or court order. I, XXXX XXXX, affirm that I have NOT been extended any firm offer of credit from these companies listed on my Trans Union report, applied for insurance, employment, nor have am I aware of any court order stating otherwise. At this point if I demand Trans Union remove these unauthorized inquiries. They are unlawfully delaying my dispute and liable pursuant to 15 USC 1681n ( a ) ( B ). My character has been defamed and this long process and caused me extreme stress and anguish. Trans Union has furnished a report on several inquiries without my written consent and with no permissible purpose that need to be deleted TODAY before I pursue them in legally for their willful noncompliance. I'm not waiting for their unethical stall letter that will continue to delay. DELETE THEM! I am attaching my most recent letter to them. I also have certified mail receipts from previous letters that confirm receipt!

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 2022-06-16 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: NC

Complaint narrative:
The credit bureaus stated the following accounts were properly investigated : Account name : XXXX  XXXX XXXX XXXX  Account # : XXXX Account name : XXXX  XXXX XXXX XXXX  Account # : XXXX Account name : XXXX XXXX XXXX XXXX  Account # : XXXX Account name : XXXX  XXXX XXXX XXXX Account # : XXXX Account name : XXXX  XXXX XXXX XXXX  Account # : XXXX Account name : XXXX  XXXX XXXX XXXX  Account # : XXXX Account name : XXXX XXXX XXXX  XXXX Account # : XXXX Account name : XXXX  XXXX  XXXX Account # : XXXX How could it be possible for them to properly investigate these accounts if the open dates are inaccurate, the dates last active are inaccurate, and the dates last reported are inaccurate. This is groud for removal. 

They also have violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly stats a consumer reporting agency can not furnish an account without my written instructions.

They also violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes.

They also violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ) : The law clearly states if items are found inaccurate or can not be verified the consumer reporting agency shall promptly delete the information from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 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: NC

Complaint narrative:
The credit bureaus stated the following accounts were properly investigated : Account name : XXXX XXXX XXXX XXXX  Account # : XXXX Account name : XXXX  XXXX XXXX XXXX  Account # : XXXX Account name : XXXX  XXXX XXXX XXXX  Account # : XXXX Account name : XXXX  XXXX XXXX XXXX  Account # : XXXX Account name : XXXX  XXXX XXXX XXXX  Account # : XXXX Account name : XXXX XXXX XXXX XXXX  Account # : XXXX Account name : XXXX XXXX XXXX  XXXX Account # : XXXX Account name : XXXX XXXX XXXXXXXX Account # : XXXX How could it be possible for them to properly investigate these accounts if the open dates are inaccurate, the dates last active are inaccurate, and the dates last reported are inaccurate. This is groud for removal. 

They also have violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly stats a consumer reporting agency can not furnish an account without my written instructions.

They also violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes.

They also violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ) : The law clearly states if items are found inaccurate or can not be verified the consumer reporting agency shall promptly delete the information from the file of the consumer.

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 2022-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
This letter is to dispute XXXX account on my credit report I find as reporting questionable information. In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge this questionable information on my personal credit report. I do not recognize the information listed below as true and correct. Be advised this is not an admission I owe or acknowledge the below reference account as mine. 

I have sent multiple dispute letters and notification to Experian ( XX/XX/XXXX and XX/XX/XXXX ) related to the XXXX account on my credit report. Each time the credit bureau answers my dispute by stating the information is verified by furnisher and is reported accurately or " updated '', but information has not been corrected. 

You ( Experian ) did not perform a proper investigation according to the FCRA. In accordance with the Fair Credit Reporting act everything must be 100 % accurate on my credit report. You ( Experian ) state my account was properly investigated but how is that possible if the balance, two-year history, last activity, scheduled payment and high balance are incomplete not accurate. This is grounds for immediate removal. 

Because I already asked you to properly verify the accuracy of XXXX and you were unable to do and / or provide complete and accurate information within 30 days I demand you ( Experian ) remove this account from my report immediately. 

Account name : XXXX Date opened : XX/XX/XXXX Credit limit : {$300.00} Thank you for your diligence in addressing this issue and removing the account. 

Sincerely, Signed : 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 2022-06-16 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: VA

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 Account # XXXX, 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 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 2022-06-16 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: MO

Complaint narrative:
On XX/XX/2022 I received the crediting reporting agencies investigation letters. The CRA 's still have yet to correct the inaccuracies on my consumer credit report. I have attached the last letter to try to resolve this matter out of court. If the CRA 's do not resolve this matter within the next 14 days I will be forced to enforce my foreign judgment XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
On XX/XX/2022 I received the crediting reporting agencies investigation letters. The CRA 's still have yet to correct the inaccuracies on my consumer credit report. I have attached the last letter to try to resolve this matter out of court. If the CRA 's do not resolve this matter within the next 14 days I will be forced to enforce my foreign judgment 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 2022-06-16 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: AL

Complaint narrative:
XXXX. XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts are on my credit report and they need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 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: LA

Complaint narrative:
The date of the infraction was XXXX XXXX, I have file many disputes asking for validation of this account # XXXX from XXXX XXXXXXXX XXXX XXXXXXXX. Pursuant to XXXX XXXX XXXX, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. The FCRA ( federal law ) says that as a consumer, you are legally allowed to challenge the validity and accuracy of these hard inquiries. And when you challenge these inquiries, it's called opening a dispute. The company pulling your credit must provide documented proof, for example a document with your signature on it, that you authorized and provided consent for the hard inquiry. If they fail to provide this documentation, then TransUnion, XXXX, and XXXX must remove these inquiries from your credit report. Consumers have a right under the FCRA to challenge information in their file that they believe is incorrect. Consumer reporting agencies are required to investigate claims that there is inaccurate information, and when information is proven to be inaccurate, agencies must correct the mistake. I am asking for proof of a contract with my signature that shows I have a legal binding contract with XXXX XXXXXXXX XXXX XXXXXXXX. I have also file a dispute with FTC in this matter.

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 2022-06-16 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, 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 agency 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