vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-25 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: 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. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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 explanation
Consumer complaint received 2024-05-25 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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 2024-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I sent a letter to remove the items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again., 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 Balance Owed : {$400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-25 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: AL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$6000.00XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$9600.00} XXXX XXXX XXXX XXXX XXXX XXXX {$770.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$350.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : $ {$6000.00} XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$2800.00} XXXXXXXX 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 2024-05-25 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: AL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$6000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$9600.00} XXXX XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$350.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Balance : $ {$6000.00} XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2800.00} XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-25 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: CA

Complaint narrative:
PLEASE SEE ATTACHED DOCUMENTS INCLUDED WITH MY FTC REPORT XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX Balance {$9500.00} XXXX CARD XXXX Balance {$870.00} XXXX XXXX XXXX Balance {$91.00XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX {$2300.00} XXXX XXXX XXXXXXXX Balance {$600.00} XXXX XXXXXXXX Balance : {$0.00}

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 2024-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Ingo Money, Inc.
State: WA

Complaint narrative:
My bank, The XXXX XXXX, uses Ingo Money for Instant Check Cashing services. I followed all of their steps to the letter. The last step is to write VOID on the check and take a picture of that. I did so. And then they rejected the now voided check so Im left with a check thats completely unusable, can not be cashed, and then when trying to contact the company, they hung up on me twice without answering even though it was within their business hours. 

Theyve done this repeatedly. They have a rating of 1.6 out of 5 for a reason. They and their parent company need to lose all FDIC protections because theyre predators.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 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: FL

Complaint narrative:
Reporting agencies Equifax and XXXX continue reporting incomplete and inaccurate information on my credit report even though when my initial inquiry was submitted to the CFPB they claimed to have updated and removed all inaccuracies. According to the Fair Credit Reporting Act " Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected within 30 days ''. I need to have this account being reported inaccurately removed from my credit history this will be my third complaint to the CFPB. I went ahead and reached out to the original creditor directly in order to verify the account information with them. I have attached that letter below as well as their response to that letter. The account information was not verified as they only responded with statements of the account history and no documentation possessing my signature or any other such documentation and the account mentioned in their response letter was not the account listed on the credit report sent over to them ; as you can see from the copy of the credit report attached below. Therefore the information from both parties is incomplete and inaccurate and should be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Reporting agencies XXXX and Experian continue reporting incomplete and inaccurate information on my credit report even though when my initial inquiry was submitted to the CFPB they claimed to have updated and removed all inaccuracies. According to the Fair Credit Reporting Act " Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected within 30 days ''. I need to have this account being reported inaccurately removed from my credit history this will be my third complaint to the CFPB. I went ahead and reached out to the original creditor directly in order to verify the account information with them. I have attached that letter below as well as their response to that letter. The account information was not verified as they only responded with statements of the account history and no documentation possessing my signature or any other such documentation and the account mentioned in their response letter was not the account listed on the credit report sent over to them ; as you can see from the copy of the credit report attached below. Therefore the information from both parties is incomplete and inaccurate and should be removed.

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 2024-05-25 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: CA

Complaint narrative:
On or around XX/XX/year> it came to my attention that I am a victim of Identity Fraud. During this time, I went ahead and contacted all companies involved to which each responded the same. I was advised to complete a FTC Report and file my dispute with the credit reporting agencies ( XXXX, XXXX, Experian ) so they may block and remove fraudulently opened accounts. Which I did. I recently received notification from Experian that my disputed accounts were not removed from my credit file with no valid explanation.

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 2024-05-25 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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 2024-05-25 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: AL

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

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 2024-05-25 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: AL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX 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 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 2024-05-25 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: PA

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 2024-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Can you update my address and name on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 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: Westlake Services, LLC
State: GA

Complaint narrative:
This account is in litigation and reported fraudulently and according to 605b it is illegal to report information on my credit report without my permission please remove thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I have never done business with LVNV FUNDING LLC. I have never authorized LVNV FUNDING LLC to use nor trespass on private property. {$2500.00} due now for trespassing, copyright infringement, and unlawful use of private property without official consent. Delete all records associated with XXXX XXXX and/or XXXX XXXX XXXX including account numbers XXXX. make all checks payable to XXXX XXXX, mall to address on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 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: TX

Complaint narrative:
I am writing to follow up regarding the persistent presence of fraudulent items on my credit report despite my repeated attempts to have them removed. Despite providing extensive documentation and evidence to support the removal of these fraudulent items, they continue to tarnish my credit history. This ongoing situation not only undermines my financial reputation but also poses a significant threat to my financial well-being. 

It is imperative that immediate action is taken to rectify this matter. I expect a thorough investigation into why these fraudulent items persist on my credit report despite multiple requests for their removal. Additionally, I demand transparency regarding the steps being taken to address this issue and a clear timeline for its resolution. 

I urge you to prioritize this matter and take all necessary measures to ensure the prompt removal of the fraudulent items from my credit report. With this, I am asking for your assistance to correct the account : XXXX XXXXXXXX XXXX Balance Owed : {$280.00} ; XXXX XXXX Balance XXXX : {$2700.00} ; XXXX  XXXX Balance Owed XXXX {$480.00} ; XXXX XXXX XXXX Balance Owed : {$4100.00} ; XXXX XXXXXXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$960.00} ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX ; XXXX XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX Balance Owed : {$480.00} ; XXXX XXXX Owed : {$590.00} ; XXXX XXXXXXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$4100.00} ; XXXXXXXX XXXX XXXX XXXX  XXXX Balance Owed XXXX {$2000.00} ; XXXX  XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX Balance Owed : {$3100.00} ; XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXXXXXX XXXX Balance Owed : {$2800.00} ; XXXX  XXXX Balance Owed : {$2700.00} ; XXXX XXXX Balance XXXX : {$0.00} XXXX  XXXX Balance Owed XXXX {$480.00} ; XXXX XXXX Owed : {$590.00} ; XXXX  XXXX Balance Owed XXXX {$0.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$4100.00} ; XXXX XXXXXXXX Balance Owed : {$1000.00} XXXX XXXX  XXXX Balance Owed : {$99.00} ; XXXX XXXX XXXX Balance Owed : {$600.00} ; XXXXXXXX XXXX  XXXX XXXX Owed XXXX {$2300.00} ; XXXX XXXX XXXX Balance Owed : {$960.00} ; XXXX XXXX Balance Owed : {$190.00} ; XXXX XX/XX/year> ; XXXX  XX/XX/year> ; XXXX XXXX XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$6000.00}.

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