vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-13 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: GA

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 2024-05-13 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: FL

Complaint narrative:
I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 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: FL

Complaint narrative:
I am disputing the accuracy of this account for several reasons : Conflicting Status : The account is reported as charged off as of XX/XX/year>. The account was in fact sold to a 3rd party collection agency whom is not reporting and is not licensed to collect in fl. 
Late Payments : Previously Reported : The report details late payments. According to the Fair Credit Reporting Act ( FCRA ) guidelines, late payments are considered as transactions or experiences and should not be reported. 
Lack of Verification : My previous request for verification and validation of this account resulted in an insufficient response. Details on who verified the information, their title, and the verification method used remain unclear. 
These inconsistencies and lack of proper verification constitute a violation of the Fair Credit Reporting Act ( FCRA ) 15 USC 1681, which requires credit reporting agencies to ensure the accuracy and fairness of consumer credit information. 
Based on the inaccuracies above, I demand the complete deletion of this XXXX XXXX ACCOUNT from my credit report. Please investigate this dispute thoroughly and provide a written response within 30 days of receipt of this letter. 
This response should include : Explanation of the investigation conducted. Details of any communication with XXXX XXXX regarding verification. A revised credit report reflecting the deletion of this account, if applicable. 
Thank you for your prompt attention to 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 2024-05-13 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: 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 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 2024-05-13 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: 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 non-monetary relief
Consumer complaint received 2024-05-13 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: NY

Complaint narrative:
I am writing this letter in reference to my previous dispute submitted to your agency. I am deeply frustrated by the lack of resolution and your agency 's continuous failure to remove the unapproved and unverified negative items from my credit report. As a responsible consumer, I have diligently monitored my credit history, and I find it incredibly distressing to see my efforts undermined by the persistence of these entries.

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 2024-05-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: CA

Complaint narrative:
I left XXXX 5 years ago. Then all of a sudden, they're saying I owed them money well. I ported my phone number out and you can not port the phone number out if you have an outstanding bill. All of my stuff was paid in full. 
This debt collector is stating that I started owing the debt in XXXX. Which is very, very wrong because it's more like XXXX. But I was paid in full when I ported my number out.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 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: PA

Complaint narrative:
In XX/XX/XXXX, Equifax announced a data breach that exposed the personal data of hundreds of millions of people. The company agreed to a settlement to help those affected by the data breach. I filed a claim with Equifax on XX/XX/XXXX. I have proven I am a victim yet it has been 6 months and they still have no t compensated me. I have sent them multiple communications asking them what I can do to expedite the process and they provided no legitimate answer. I asked them why it has been taking so long, and they have provided no legitimate answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 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: MN

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 informationisinaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 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: CA

Complaint narrative:
I am writing once again to express my bewilderment regarding your credit bureau 's handling of the investigation into the fraudulent account on my credit report. 

As you are aware, I have submitted the necessary FTC report to the Federal Trade Commission regarding this fraudulent account, and subsequent to this submission, XXXX and XXXX have removed this account from their records. 
Additionally, I have directly contacted the company associated with this account, and they have confirmed the removal of the account. Therefore, I find it perplexing that this account still being reported by your bureau. 

It is crucial to recognize that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. Failing to remove this fraudulent account not only breaches this obligation but also exposes me to further harm. 

I request that you promptly eliminate this account from my credit report, consistent with the actions taken by other credit bureaus. Failure to do so will leave me with no alternative but to pursue legal action.This account of concern : XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-13 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: CT

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 US C 1681. 
I have told Experian, XXXX XXXX and XXXX to reinvestigate these accounts : 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 XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, they stated that everything was complete and accurate but how is that possible is the open date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) They are supposed to modify accounts that arent reporting correctly.

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 the information is inappropriate.

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 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
" I am reaching out to address a concerning matter regarding the accuracy of my credit data within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate date that require immediate attention. For matters related to the accuracy of credit reporting, the Fair Credit Reporting Act ( FCRA ) is the relevant law. The FCRA governs the collection, dissemination, and use of consumer credit information, providing consumers with rights to dispute and correct inaccurate information in their credit reports. I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
The first week of XXXX I logged into the Ally Auto App to pay my bill. I was able to do that, and was then prompted to download the Ally Financial App as they were doing away with the auto app. My information was supposed to transfer seamlessly, and when I logged into the new app with my user name and password all of my auto loan information was supposed to show up. I was able to log in, but none of my loan information was there. It said that I had no open accounts. Now when I attempt to log in I get a message that I am locked out and am prompted to call customer service. 

I called customer serivice and was told to wait 48 hours and try again. I did so, and logged in with same issue. I called customer service several more times after that to either be hung up on, placed on a perpetual hold, transferred back to the main menu, or to wait 48 hours and try again. I called customer service on XX/XX/24, XX/XX/24, XX/XX/24, and XX/XX/24. 

I have had to reach out through social media in order to get someone to actually contact me to try and help. On XX/XX/24 I received a call from XXXX in their executive customer service department, because I had messaged them on XX/XX/24 on XXXX and again on XX/XX/24 through XXXX. On XX/XX/24 I called customer service again. And again on XX/XX/24. 

I tried reaching XXXX in the executive customer service department on XX/XX/24 and left a message. At this point I am over trying to get my situation resolved. No one seems interested in helping. I have made my payments by phone and paid the fee each time in order to do so. 

I just called customer service again this evening ( XX/XX/24 ) to be told to wait on a 2-3 minute hold and at 33 minutes was transferred back to the main menu. I have not been able to access my personal loan information at this point for almost 4 months. This is by far the worst experience I have ever had with a company that has access to my financial information.

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 2024-05-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Good afternoon to whom it might concern ; I have a collection of an unknown bill that I did not take or do. Is XXXX XXXX it also says XXXX XXXX XXXX XXXX  and is for XXXX dollars. By law this company is reporting an account that was open fraudulently and I ask transition to erase it because they cant verify what I never open and by law Im trying to get a mortgage and is hurting my credit and not allowing me to get a mortgage and transunion just lost a Sue for doing This to customers and abusing and reporting wrong and fraudulent information and this is a second year that I can not get a house for transunion and the companies named above using my private information hurting me and abusing me. I will legally this time take actions because they have no rights to use fraudulent Information and placing it on my credit report without my consent.

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 2024-05-13 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: FL

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 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: NY

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

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 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS
State: TN

Complaint narrative:
I have been attempting to procure the contents of my consumer report from LexisNexis for more than 60 days. 

Each time, I receive a letter in the mail that states they ( LexisNexis ) are unable to authenticate my identity. 

That said, each time I make a request for the report, they ask for more and more invasive information that certainly exceeds what a prudent person would consider sufficient for identification. 

Ive even went so far as to sign, under penalty of perjury, a sworn affidavit stating that I am the person with my name and other PII, all sufficient to verify identity. 

I feel as though there is something amiss concerning my ability to obtain the report from them, that they are intentionally stalling/stonewalling my access to the report and that they are attempting to mask their unlawful disclosure of my report data to those that have no appropriate business accessing it. 

I was recently a participant of a data security panel that opined on concerns with foreign owned businesses accumulating US citizen data. That panel, which was in front of a live audience, was later mentioned by LexisNexis executive staff as being an issue that needs to be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 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: NY

Complaint narrative:
I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.

Company response to consumer: Closed with non-monetary relief