vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-19 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: CA

Complaint narrative:
XXXXXXXX XXXX XXXX BALANCE {$16000.00} XXXXXXXX XXXX XXXX BALANCE {$18.00} XXXX XXXX XXXX XXXX BALANCE {$0.00} XXXX XXXX XXXX XXXX BALANCE {$41000.00} RE : Late Payment Improperly Reported- I XXXX XXXX XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by XXXX, XXXX, Equifax. XXXX, XXXX, Equifax, has violated my consumer rights and violated federal law. This is now multiple attempts to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-19 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:
ACCORDANCE WITH THE FAIR CREDIT REPORTING XXXX 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 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 CANNOT 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 non-monetary relief
Consumer complaint received 2024-10-19 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: FL

Complaint narrative:
ACCORDANCE WITH THE FAIR CREDIT REPORTING act 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  




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 CANNOT FURNISH A ACCOUNT
WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-19 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:
RE : Late Payment Improperly Reported- I XXXX XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by Experian, XXXX, XXXX. Experian, XXXX, XXXX, has violated my consumer rights and violated federal law. This is now multiple attempts to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. 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 2024-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
On XX/XX/XXXX, I sent via certified mail with return receipt a request for LVNV to cease and desist communication with me invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c, which regulates communication practices by debt collectors. I further instructed them to consider that letter as a formal dispute of the debt associated with the referenced account number ( Resurgent ID - XXXX, {$3100.00} ) and requested FULL validation. To this date, I have not received full validation as required. On XX/XX/XXXX, LVNV responded via letter per USPS with one XXXX  XXXX statement dated XX/XX/XXXX and a history of ownership where the account was sold to XXXX different companies all on the same day, XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
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/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
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 XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 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: MO

Complaint narrative:
To whom it might concern I am writing to DISPUTE the following files that your company supplied to one or more Bureaus.In this complaint, I have noted one or more issues I have concerns and questions about, justifiably, in relationship to one or more of its accuracy, completeness, timeliness, fairness, required adhering of Federal and state reporting laws and or sufficiency in your docious adhering to the mandatorily adapted credit reporting industrys standards namely the CDIAs own XXXX XXXX Formatted reporting without deviation ( s ), errors, nor omissions ofcognate information that might else better ensure integrity of maledictions made versus me. I request and you are MANDATED BY LAW to investigate any and all matters I am contesting the data reporters privilege to report of which possibly can have NOT been satisfied or suitably maintained. I further necessitate, and you are MANDATED BY LAW to comply with, that you present confirmable evidence of any negativitys certifiably compliant reporting in regard to its undoubtable accuracy, completeness, timeliness, fairness, and integrity along with factual assurances that your practices procedures and processes are passable even sure to confirm satisfying of the reporting privilege. COMPLIANT REPORTING IS NOT OPTIONAL, it is a MANDATED REQUISITE for ANY PARTY INVOLVED. Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-19 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: GA

Complaint narrative:
I do not recognize this address please remove this addresses from my report thank you. 
Address XXXX XXXX XXXX XXXX Ga 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 2024-10-19 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: CA

Complaint narrative:
I am writing to formally report the unauthorized use of my personal information, which has resulted in fraudulent credit inquiries and attempted account openings in my name. These actions constitute a violation of federal law under 18 USC 1028 ( a ), which addresses identity theft and the fraudulent use of identification information. 

Specifically, on [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ], I became aware that several attempts were made to open accounts using my personal information without my consent. As a result of these attempts, numerous hard inquiries have been placed on my credit report by the following institutions : XX/XX/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 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 I did not authorize these inquiries, nor did I apply for any credit with these institutions. This fraudulent activity has adversely impacted my credit score and financial standing. The unauthorized use of my personal information for the purpose of opening credit accounts and initiating inquiries is a clear violation of 18 USC 1028 ( a ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-19 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: CA

Complaint narrative:
I am writing to formally report the unauthorized use of my personal information, which has resulted in fraudulent credit inquiries and attempted account openings in my name. These actions constitute a violation of federal law under 18 USC 1028 ( a ), which addresses identity theft and the fraudulent use of identification information. 

Specifically, on [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ], I became aware that several attempts were made to open accounts using my personal information without my consent. As a result of these attempts, numerous hard inquiries have been placed on my credit report by the following institutions : 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 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 I did not authorize these inquiries, nor did I apply for any credit with these institutions. This fraudulent activity has adversely impacted my credit score and financial standing. The unauthorized use of my personal information for the purpose of opening credit accounts and initiating inquiries is a clear violation of 18 USC 1028 ( a ).

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 2024-10-19 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: CITIBANK, N.A.
State: CA

Complaint narrative:
ran credit report without knowledge causing hard inquiry

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 2024-10-19 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:
Subject : Final Warning Dispute Under FCRA 605B ( 15 U.S.C. 1681c-2 ) and FCRA 1681e ( b ) This letter serves as my final warning to Experian regarding the 10 inaccurate accounts listed on my credit report. I have previously disputed these accounts, yet you continue to report them despite your obligation under the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ) and 1681e ( b ).

It is evident that your investigation into my dispute was both lazy and inadequate. By relying on the automated e-OSCAR system to handle the investigation, you have completely failed to meet your statutory obligations to conduct a thorough and reasonable review of the disputed information. The law demands that Experian use reasonable procedures to ensure maximum possible accuracy, and this reliance on an automated system is a blatant violation of FCRA 1681e ( b ).

Additionally, when you claim to have updated the information in response to my dispute, the reality is that no such update was made. The accounts remain exactly as they were, and this false representation is yet another violation of your responsibilities under the FCRA. You are required by law to remove or correct inaccurate and unverifiable information. Continuing to report these accounts in their current form is not only misleading, but also a clear demonstration of your willful disregard for federal consumer protection laws. 

If you do not delete these 10 accounts from my credit report immediately, I will have no choice but to escalate this matter further. I am prepared to file a lawsuit against Experian for willful non-compliance with the FCRA, and I will also be notifying the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) of your violations.

This is your final opportunity to correct your errors and comply with the law. I expect confirmation of the removal of the disputed accounts from my credit report within [ set a reasonable time, e.g., 10 days ]. Failure to do so will result in legal action without further notice.

This version emphasizes that Experians reliance on e-OSCAR violates their duty to conduct a proper investigation, while also addressing their failure to update or remove the incorrect information. The letter warns of legal action if the issues are not corrected promptly.

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 2024-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Incorrect information on my report that I want removed in the next 48 hours

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 2024-10-19 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: CA

Complaint narrative:
Incorrect information on my report that I want removed in the next 48 hours

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 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: GA

Complaint narrative:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 2024-10-19 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: GA

Complaint narrative:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XXXX/2024, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Balance {$320000.00} XXXX XXXX BANK XXXX XXXX XXXX : {$29000.00} XXXX XXXX C XXXX Balance {$320000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$310000.00} XXXX CARD SERVICES Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX {$320000.00} XXXX BANK XXXX XXXX Balance : {$29000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-19 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: MO

Complaint narrative:
To whom it might concern I am writing to DISPUTE the following files that your company supplied to one or more Bureaus.In this complaint, I have noted one or more issues I have concerns and questions about, justifiably, in relationship to one or more of its accuracy, completeness, timeliness, fairness, required adhering of Federal and state reporting laws and or sufficiency in your docious adhering to the mandatorily adapted credit reporting industrys standards namely the CDIAs own XXXX XXXX Formatted reporting without deviation ( s ), errors, nor omissions of cognate information that might else better ensure integrity of maledictions made versus me. I request and you are MANDATED BY LAW to investigate any and all matters I am contesting the data reporters privilege to report of which possibly can have NOT been satisfied or suitably maintained. I further necessitate, and you are MANDATED BY LAW to comply with, that you present confirmable evidence of any negativitys certifiably compliant reporting in regard to its undoubtable accuracy, completeness, timeliness, fairness, and integrity along with factual assurances that your practices procedures and processes are passable even sure to confirm satisfying of the reporting privilege. COMPLIANT REPORTING IS NOT OPTIONAL, it is a MANDATED REQUISITE for ANY PARTY INVOLVED. Accounts : XXXXXXXX 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