vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-25 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: MD

Complaint narrative:
To Whom It May Concern : I am writing to address discrepancies found in my recent credit report, which I received and reviewed. Upon careful examination, I discovered inaccuracies within certain accounts listed on my consumer report. It appears that this agency is in violation of 15 USC 15 USC 1681i. 
In response to my dispute regarding the account XXXX XXXX  XXXX, your agency claimed validation of inaccurate information. However, I wish to formally dispute the accuracy of this account. The information furnished regarding this account on my consumer report is, in fact, inaccurate.

According to 15 USC 1681i ( 5 ) regarding the treatment of inaccurate or unverifiable information, if, 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.

The reporting of these account ( s ) constitutes violations of 15 USC 1681e ( b ), which mandates accuracy of reports. The agency is required to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. How can inaccurate information be verified? It appears that METRO2 Compliance procedures and reporting format have been violated.

I hereby request the immediate deletion of this account from my consumer reports.

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 2024-02-25 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: MD

Complaint narrative:
To Whom It May Concern : I am writing to address discrepancies found in my recent credit report, which I received and reviewed. Upon careful examination, I discovered inaccuracies within certain accounts listed on my consumer report. It appears that this agency is in violation of 15 USC 15 USC 1681i. 
In response to my dispute regarding the account XXXX XXXX  XXXX, your agency claimed validation of inaccurate information. However, I wish to formally dispute the accuracy of this account. The information furnished regarding this account on my consumer report is, in fact, inaccurate.

According to 15 USC 1681i ( 5 ) regarding the treatment of inaccurate or unverifiable information, if, 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.

The reporting of these account ( s ) constitutes violations of 15 USC 1681e ( b ), which mandates accuracy of reports. The agency is required to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. How can inaccurate information be verified? It appears that METRO2 Compliance procedures and reporting format have been violated.

I hereby request the immediate deletion of this account from my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 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: TX

Complaint narrative:
see attached 15 US Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION

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 2024-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Dear Sir/Madam, I am writing to dispute inaccurate information contained within my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ) Section 611, I am requesting an investigation into the validity and accuracy of the negative information listed on my credit report. I have carefully reviewed my credit report and identified several inaccuracies, including but not limited to Incorrect addresses, Wrong phone numbers, Inaccurate employment information. These inaccuracies are detrimental to my financial well-being and may negatively impact my ability to access credit and other financial services. As such, I am requesting that all incorrect information be promptly removed or corrected in accordance with FCRA regulations.Under FCRA Section 611, consumer reporting agencies are required to conduct a reasonable investigation into disputed information and, if found to be inaccurate, incomplete, or unverifiable, to promptly delete or correct such information. Furthermore, FCRA Section 605 requires that consumer reporting agencies maintain accurate information and ensure that consumer reports contain only information with a permissible purpose. I am also bringing this matter to the attention of the Consumer Financial Protection Bureau ( CFPB ) for further assistance in resolving this dispute. I have submitted a complaint to the CFPB outlining the inaccuracies in my credit report and requesting their intervention to ensure that my rights under the FCRA are upheld. I request that you conduct a thorough investigation into these matters and provide written notification of the results and any actions taken to address this dispute within the timeframe specified by FCRA Section 611. Thank you for your prompt attention to this matter

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-25 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Uetsa Tsakits, Inc. d/b/a MaxLend
State: ME

Complaint narrative:
I didnt realize my interest was so high I have already paid back the balance of the loan {$500.00} and I still owe XXXX more payments of {$130.00}. They also required me to have the payments taken directly from my paycheck every two weeks. I never received the loan contract I can only see it online and its almost impossible to read online and I can not download it. My interest is 621.92 %

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 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: EQUIFAX, INC.
State: MD

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
I, XXXX XXXX, am formally writing this complaint because a debt collection company by the name of LVNV FUNDING LLC placed an unvalidated alleged debt on my consumer report. I don't know where this alleged debt came from. The account in question was first seen in my XXXX consumer disclosure report. I am aware that this specific debt collection company is a " debt buyer ''. They buy debt for pennies on the dollar. Which further lets me know that they are more susceptible to practicing abusive and deceptive behavior. I don't. This company is a company known for abusive behavior who was sued previously multiple time by various consumers. I did not receive any legal disclosures, I was not given the opportunity to dispute the alleged debt, and they are destroying my reputation. The debt collection company is violating my rights to privacy. LVNV FUNDING LLC is not licensed is not licensed to collect in the state of Tennessee. These are all violation of the Fair Debt Collection Practices Act per the Debt Collection Rule. The following violations have been committed by LVNV FUNDING LLC : 15 USC 1692d ( 1 ), 15 USC 1692C, 15 USC 1692e ( 10 ), 15 USC 1681s-2, 5 USC 552a ( Privacy Act of 1974 ), Tenn Code 62-20-105, and 18 USC 1001 . This debt collection company is being both deceptive and abusive. I do not have any information regarding this. I did not receive any communication or attempt to communicate form this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2024-02-25 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: MD

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian & XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.

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 2024-02-25 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: TX

Complaint narrative:
15 US Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EXPERIAN

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 2024-02-25 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: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor, BMW Financial has violated my rights. Under 15 usc 1681 section, 602 states I have the right to privacy. Under 15 usc 1681 section 604 a section 2 it also states a consumer reporting agency can not finish an account without my written instructions. Under 15 usc 1666B a creditor may not treat a payment on car payment account under an open consumer credit plan as late for any purchase

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
15 US Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EQUIFAX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 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: TX

Complaint narrative:
On XX/XX/XXXX I received several text alerts about a sign on I did not authorize. 
On XX/XX/XXXX I received a notification regarding a declined attempted purchase I did not authorize and do no know this account. 
I began to receive several main number calls to which I did not answer or respond to from XXXX main line XXXX. 
On XX/XX/XXXX I received a notification regarding a declined attempted purchase I did not authorize and do no know this account. 
Prior Complaints regarding banking practices and violation of disclosure to financial records : OCC Complaint : XX/XX/XXXX Ref. No. XXXX XX/XX/XXXX XXXX Response XX/XX/XXXX XXXX XXXX continues to report negative information on my credit report as AUTHORIZED but has filed a lawsuit against the account holder. 
XXXX has filed ( 2 ) debt claim lawsuits against me and failed to provide the requested documentation through its attorney of record. 
In response to my repeated complaints and requests for information, XXXX closed all me " accounts ''

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 2024-02-25 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: NY

Complaint narrative:
Dear Sir or Madam I am writing to dispute inaccurate information contained within my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ) Section 611, I am requesting an investigation into the validity and accuracy of the negative information listed on my credit report. I have carefully reviewed my credit report and identified several inaccuracies, including but not limited to Incorrect addresses, Wrong phone numbers, Inaccurate employment information. These inaccuracies are detrimental to my financial well-being and may negatively impact my ability to access credit and other financial services. As such, I am requesting that all incorrect information be promptly removed or corrected in accordance with FCRA regulations.Under FCRA Section 611, consumer reporting agencies are required to conduct a reasonable investigation into disputed information and, if found to be inaccurate, incomplete, or unverifiable, to promptly delete or correct such information. Furthermore, FCRA Section 605 requires that consumer reporting agencies maintain accurate information and ensure that consumer reports contain only information with a permissible purpose. I am also bringing this matter to the attention of the Consumer Financial Protection Bureau ( CFPB ) for further assistance in resolving this dispute. I have submitted a complaint to the CFPB outlining the inaccuracies in my credit report and requesting their intervention to ensure that my rights under the FCRA are upheld. I request that you conduct a thorough investigation into these matters and provide written notification of the results and any actions taken to address this dispute within the timeframe specified by FCRA Section 611. Thank you for your prompt attention to this matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-02-25 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: CA

Complaint narrative:
Dear CFPB, I am writing to request the immediate removal of all of my personal information from EXPERIAN records, in accordance with the Fair Credit Reporting Act ( FCRA ). I understand that under 15 U.S.C. 1681b ( a ) - ( g ) and 1681c-2, they are prohibited from using my personal information without my consent. I have reason to believe that Experian is in violation of these provisions according to the aforementioned United States Codes and FCRA ACT. This misuse of my information is unacceptable and a violation of my privacy rights.

Therefore, EXPERIAN shall promptly delete all of my personal information from their systems, including but not limited to : my name, my addresses, my Social Security number, my Employment information my credit report information, and all other personally identifiable information Thank you CFPB for your attention to this urgent 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 explanation
Consumer complaint received 2024-02-25 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation