vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-06 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: HI

Complaint narrative:
I recently received a copy of my Experian credit report, and I noticed some late payments posted on my credit report : Your company is in clear violation of the law. Under 15 USC 1681 Section 609 ( a ) ( 1 ) ( A ) you are required by federal to verify- throuth the physical verification of the original signed consumer contract any and all accounts you must on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, 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 2024-02-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 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: FL

Complaint narrative:
A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : CXXXX 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 XXXXXX/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 2024-02-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2024-02-06 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: EQUIFAX, INC.
State: IN

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor ( XXXX ) has violated my rights under 15 USC 1681. Section 602 states, I Have the Right to Privacy 15 USC 1681 Section 6O4A, Section 2, It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 's 1666-B, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Furthermore, this credit reporting agency ( Equifax ) violated the above stated laws by varnishing a credit report with a late payment in XX/XX/XXXX under a revolving line of credit with XXXX, as well as 2 late payments in XX/XX/XXXX and XX/XX/XXXX under an installment loan with XXXX. These payments have not and can not be verified as late and again under 15 USC 's 1666-B can not be treated as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kovo
State: NV

Complaint narrative:
To ensure the credit report is 100 % accurate as we know. Every step must be taken to assure the information reporting, is accurate and correct. Therefore the following late payments need to be re-investigated. 
I respectively asked to be provided proof of this alleged late payments, and a payment history. I have been maintaining records of my communication with the company for the purpose of filing a complaint with the FTC if they continue with the noncompliance. I further remind you that, in XXXX vs. XXXX XXXX XXXX, No. XXXX ( C.D. XXXX. XX/XX/year> ), you may be liable for willful noncompliance if the validation of debt request isnt completed. 

Please have the creditor provide a validation of debt documents to the XXXX  as well as certified mail to me. It is extremely important that these documents are submitted to XXXX  to ensure fairness. And they are not continuously brushing me off. Thank you for your assistance. 
If the creditor can not provide payment, history and documents, please have this account removed from my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
On XX/XX/23, Citibank reduced the credit limit on my simplicity credit card from {$10000.00} to {$6600.00}, a reduction of {$3300.00}. This action was to be done immediately and no reason was given. I have had this card for almost 6 years and have never had a late payment. This unexplainable action that this bank has taken will have a serious impact on both my credit score and the financial well being of both me and my family. On XXXX, I called the bank and made a request to their rep. to have them reconsider this action. I received word today that my request was declined. I would like Citibank to reinstate my {$10000.00} credit limit and issue me an apology for this insensitive customer situation.

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 2024-02-06 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: The CMI Group, Inc.
State: NV

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX Unknown Account Number Credit Management LP. , credit is falsely reporting on my credit I have never had an account with them. After my research Credit management LP., is a debt collector. They are falsely reporting this account to my credit file against my rights and fair credit act. under 15 US section code 1681D-disclosure of investigative consumer reports. I have attached the definition so you can see the violation! ( a ) disclosure of fact of preparation.

A. A person may not procure or cause to be prepared an investigative consumer report on any consumer unless ( 1 ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested. 

I request proof of this alleged item, specifically the application or instrument, with my signature with Credit Management LP.,. If unable to provide the documents requested this account should be deleted from my credit report as soon as possible. You have 30 days to complete your reinvestigation Under federal FCRA laws, I will also be seeking {$1000.00} per violation : 1. Defamation.

2. Negligent enablement of identity fraud 3. Violations of USC 15, 1692G

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: FL

Complaint narrative:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you REMOVE the following inquiries immediately. 
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

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 2024-02-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Its over the 4yrs statutory limitation in Pennsylvania but 7yrs has passed. XXXX has it on file for 8yrs. Also I dispute the accuracy of XXXX XXXX, dates and amounts are different on all 3 credit bureaus.

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 2024-02-06 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Its over the 4yrs statutory limitation in Pennsylvania but 7yrs has passed. Equifax has it on file for 8yrs. Also I dispute the accuracy of XXXX XXXX, dates and amounts are different on all 3 credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you REMOVE the following inquiries immediately. 
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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: FL

Complaint narrative:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you REMOVE the following inquiries immediately. 
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

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 2024-02-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I hope this letter finds you well. I am writing to express my deep dissatisfaction and frustration regarding the multiple unsuccessful attempts I have made to correct the issue of a late open accounts associated with my account. 
I have diligently contacted your customer service department on multiple occasions in an effort to address and correct this matter. During each interaction, I have provided all the necessary documentation and information requested, yet the issue remains unresolved. 

The persistent presence of the late open accounts on my records has had a significant impact on my financial standing and has caused undue stress and inconvenience. I have made consistent efforts to rectify this situation, expecting a timely and accurate resolution, but unfortunately, my attempts have been in vain. 

I am formally requesting the following actions be taken promptly : An immediate correction of the late open accounts on my records to accurately reflect the correct open date. 
A thorough investigation into the reasons for the repeated failures to correct this issue in previous attempts. 
A written confirmation of the resolution, including the corrected open date. 
An apology for the ongoing inconvenience and frustration caused by the unresolved late open accounts. 
I understand that administrative errors can occur, but the repeated failure to address this matter is both disheartening and concerning. Timely correction of inaccuracies is essential to maintaining the integrity of financial records and ensuring fair and accurate reporting. 

Failure to address this matter within the exact time frame from the date of this letter may necessitate further action on my part, including seeking assistance from relevant regulatory bodies or consumer protection agencies. 

I trust that your institution recognizes the importance of resolving this issue promptly and accurately. I am asking for your assistance to correct these late open accounts : XXXX XXXX  Balance : {$1800.00} XXXX XXXX XXXX XXXX Balance : {$11000.00}.

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 2024-02-06 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: TX

Complaint narrative:
I hope this letter finds you well. I am writing to express my deep dissatisfaction and frustration regarding the multiple unsuccessful attempts I have made to correct the issue of a late open accounts associated with my account. 
I have diligently contacted your customer service department on multiple occasions in an effort to address and correct this matter. During each interaction, I have provided all the necessary documentation and information requested, yet the issue remains unresolved. 

The persistent presence of the late open accounts on my records has had a significant impact on my financial standing and has caused undue stress and inconvenience. I have made consistent efforts to rectify this situation, expecting a timely and accurate resolution, but unfortunately, my attempts have been in vain. 

I am formally requesting the following actions be taken promptly : An immediate correction of the late open accounts on my records to accurately reflect the correct open date. 
A thorough investigation into the reasons for the repeated failures to correct this issue in previous attempts. 
A written confirmation of the resolution, including the corrected open date. 
An apology for the ongoing inconvenience and frustration caused by the unresolved late open accounts. 
I understand that administrative errors can occur, but the repeated failure to address this matter is both disheartening and concerning. Timely correction of inaccuracies is essential to maintaining the integrity of financial records and ensuring fair and accurate reporting. 

Failure to address this matter within the exact time frame from the date of this letter may necessitate further action on my part, including seeking assistance from relevant regulatory bodies or consumer protection agencies. 

I trust that your institution recognizes the importance of resolving this issue promptly and accurately. I am asking for your assistance to correct these late open accounts : XXXX XXXX  Balance : {$1800.00} ; XXXX XXXX XXXX Balance : {$11000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 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: MI

Complaint narrative:
After finding several discrepancies on my credit report, I sent a certified letter to on XX/XX/2023 and listed the accounts that were in questioned. I requested that they please fully validate the reported information and remove anything that they could not provide signed, original contracts for. 
Equifax never responded ( no email/call ) and verified the disputed accounts and the accounts remained on my report. 

On XX/XX/2023, I sent Equifax another certified letter stating that I previously sent a letter asking them again to provide original contracts of the disputed items. I asked to please DELETE any accounts that they could not provide original contracts for. 
On XX/XX/2023, Equifax respond via mail stating that the disputed files were update. However, the files were not updated and all disputed accounts still remain on my credit report and have not been fully updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: MI

Complaint narrative:
Consumer Financial Protection Bureau XX/XX/XXXX po box 27170 Washington, DC 20038 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX cell XXXX XXXX XX/XX/XXXX. 
Last 4 of SSN *** ** XXXX To Whom it may concern : My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I attached proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. 
Please help me delete these illegal accounts from my credit reports. 

See attached : 1.Letter sent to Equifax on XX/XX/XXXX and 2nd letter sent on XX/XX/XXXX. 
2. Letter to Equifax evidence of credit score manipulation.

3. Letter from XXXX XXXXXXXX XXXX fraud investigation removing fraudulent account from my credit reports.

Company response to consumer: Closed with non-monetary relief