vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-27 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: Army and Air Force Exchange Service
State: NC

Complaint narrative:
Subject : Cease Unauthorized Credit Reporting Immediately In Accordance with North Carolina FCRA and Identity Theft Laws Dear MILITARY STAR, I am compelled to address a serious violation concerning the unauthorized inclusion of information on my credit report, as per the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and North Carolina identity theft laws, notably North Carolina General Statutes Chapter 75, Article 2A.

It has come to my attention that MILITARY STAR has engaged in unauthorized credit reporting without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly requires consumer consent for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, North Carolina state law, specifically North Carolina General Statutes Chapter 75, Article 2A, emphasizes the necessity of consumer consent for credit reporting. This statute establishes clear guidelines for fair credit reporting practices and highlights the severity of unauthorized access and misuse of personal information. 

I assert unequivocally that I have not provided consent for MILITARY STAR to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights and potentially damages my creditworthiness, in clear violation of federal and state laws. 

I demand, with certainty, that MILITARY STAR immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and North Carolina General Statutes Chapter 75, Article 2A. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including North Carolina identity theft laws. 

I emphasize that obtaining consent is not discretionary but a legal obligation under these specific sections of the FCRA and North Carolina state law. This is not negotiable ; it is a demand for compliance with both federal and state regulations, safeguarding consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that MILITARY STAR will promptly rectify these violations, respecting my rights under federal and state laws.

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 2024-02-27 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 am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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 CARD Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : Untitled 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 2024-02-27 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: GA

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$860.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXXXXXX XXXX XXXX Balance Owed : {$3400.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$19000.00} XXXX XXXXXXXX Balance Owed : {$280.00} XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$560.00} XXXXXXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$350.00} XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX  XXXX Balance Owed : {$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 explanation
Consumer complaint received 2024-02-27 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: LEXISNEXIS
State: IL

Complaint narrative:
I've recently scrutinized my credit report and identified discrepancies in the reporting of certain accounts, revealing inaccuracies that raise concerns. It has come to my attention that these discrepancies compromise the accuracy of my credit profile. By the provisions outlined in the Fair Credit Reporting Act ( FCRA ), it is stipulated that any accounts featuring inaccuracies on my credit report should be rectified and removed promptly. As a vigilant consumer who understands the rights and protections afforded by the FCRA, I am seeking immediate action to address these discrepancies and ensure the integrity of my credit information. I believe that accurate reporting is crucial for maintaining a fair and transparent credit history, and I appreciate your prompt attention to this matter XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$390.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$360.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: OH

Complaint narrative:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The XXXX and TransUnion credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account gets corrected. 
XXXX XXXX XXXX XXXX : {$27000.00}

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 2024-02-27 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: MS

Complaint narrative:
I am writing to express my frustration and disappointment with the numerous attempts to correct the late open account associated with my account. Despite my repeated efforts to resolve this issue, it persists, causing significant inconvenience and concern. 

As a loyal customer, I expect timely and efficient resolution of any issues related to my account. The repeated failure to address this matter reflects poorly on your company 's commitment to customer service and satisfaction. 

I urge you to prioritize this issue and take immediate and effective action to correct the late open account. Additionally, I request a thorough review of your internal processes to identify the root cause of this recurring problem and implement measures to prevent similar occurrences in the future. 

Furthermore, I believe it is only fair to receive compensation for the inconvenience and stress caused by the prolonged delay in resolving this issue. I trust that you will address this matter promptly and provide me with a satisfactory resolution. I am asking for your assisstance to correct these accounts in my credit file : XXXX XXXX XXXX Balance : {$660.00} ; XXXX XXXX XXXXXXXX Balance : {$900.00}.

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 explanation
Consumer complaint received 2024-02-27 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: Yes Online Inc
State: NC

Complaint narrative:
Subject : Cease and Desist Notice Regarding Unauthorized Credit Reporting XXXX XXXX and North Carolina FCRA Identity Theft Fraud Laws Dear DYNAMIC LEGAL RECOVERY, I am reaching out to address a concerning matter regarding the unauthorized reporting of information to my credit report, a clear violation of both federal and North Carolina laws, including the Fair Credit Reporting Act ( FCRA ) and identity theft fraud statutes. 

It has come to my attention that DYNAMIC LEGAL RECOVERY has engaged in unauthorized reporting to my credit report without obtaining my explicit consent, contravening the FCRA 's Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as North Carolina laws governing identity theft and credit reporting. 

Under federal law, as outlined in the FCRA, consumer consent is a fundamental requirement for such reporting activities, as stipulated in Section 1681b ( a ) ( 2 ). Similarly, North Carolina laws, particularly those pertaining to identity theft and credit reporting, underscore the necessity of obtaining explicit consent before reporting consumer information. 

I want to make it unequivocally clear that I have not provided consent for DYNAMIC LEGAL RECOVERY to report any information to my credit report. This blatant disregard for my rights constitutes a serious violation of federal and state laws, potentially causing harm to my creditworthiness. 

I demand that DYNAMIC LEGAL RECOVERY immediately cease any further reporting of information to my credit report without my explicit consent, as mandated by the FCRA and North Carolina laws governing credit reporting and identity theft fraud. Failure to comply within the stipulated 30-day timeframe will be considered willful noncompliance, subject to penalties under applicable federal and state statutes. 

I emphasize that obtaining consent is not optional but a legal obligation under the FCRA and North Carolina laws. This is not negotiable ; it is a demand for compliance with the law, aimed at protecting consumers like myself from unauthorized and damaging credit reporting practices. 

I expect DYNAMIC LEGAL RECOVERY to promptly rectify these violations, demonstrating respect for my rights under federal and North Carolina laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: ACIMA CREDIT, LLC
State: NC

Complaint narrative:
Subject : Cease Unauthorized Credit Reporting Immediately Invocation of North Carolina FCRA Identity Theft Fraud Laws Dear ACIMA DIGITAL FKA SIMP, I am writing to address a serious breach involving the unauthorized reporting of information to my credit report, a violation that contravenes both federal and North Carolina state laws, including the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as pertinent North Carolina FCRA identity theft fraud laws. 

It has come to my attention that ACIMA DIGITAL FKA SIMP has engaged in unauthorized reporting to my credit report without securing my explicit consent, as mandated by federal and state regulations. Under the FCRA, explicit consumer consent is a prerequisite for any such reporting activity, as outlined in Section 1681b ( a ) ( 2 ). 

Moreover, North Carolina FCRA identity theft fraud laws, akin to those outlined in Texas, emphasize the criticality of consumer consent for credit reporting and underscore the severe repercussions of unauthorized access and misuse of personal information. 

I unequivocally state that I have not granted consent for ACIMA DIGITAL FKA SIMP to report any information to my credit report. This egregious lack of explicit permission constitutes a flagrant infringement upon my rights, potentially harming my creditworthiness, and displaying blatant disregard for federal and state laws. 

I demand, unequivocally, that ACIMA DIGITAL FKA SIMP immediately cease any further reporting of information to my credit report without securing my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and relevant North Carolina FCRA identity theft fraud laws. Failure to adhere within the prescribed 30-day timeframe will be deemed willful noncompliance, subject to penalties under applicable laws, including North Carolina identity theft fraud statutes. 

I emphasize that obtaining consent is not discretionary but a legal obligation under these specific sections of the FCRA, North Carolina state law, and identity theft fraud statutes. This is not open to negotiation ; it is a demand for adherence to federal and state regulations, safeguarding consumers like myself from unauthorized and detrimental credit reporting practices. 

I anticipate your immediate attention to this matter and expect ACIMA DIGITAL FKA SIMP to promptly rectify these egregious violations, respecting my rights under federal and North Carolina laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
i have asked XXXX, EQUIFAX AND XXXX to provide proof of the late payments that are currently reporting on my current credit reporting. i have never been late as a matter of fact all my payments comes out automatically ACH from my checking account. i have reached out to the creditors as well and they keep telling me that they will investagate the issue, however they never get back with me as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
i have asked XXXX, XXXX AND EXPERIAN to provide proof of the late payments that are currently reporting on my current credit reporting. i have never been late as a matter of fact all my payments comes out automatically ACH from my checking account. i have reached out to the creditors as well and they keep telling me that they will investagate the issue, however they never get back with me as well.

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 2024-02-27 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: NC

Complaint narrative:
Dear Sir/Madam, I am writing to file a formal complaint against Trans Union regarding violations of the Fair Credit Reporting Act ( FCRA ) and other relevant statutes. Enclosed, please find a copy of my recent correspondence with Trans Union, as well as documentation supporting my complaint. 

In my previous communication with Trans Union, I have outlined numerous discrepancies and inaccuracies in my credit report, specifically concerning the reporting of accounts attributed to XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Despite repeated attempts to dispute and rectify these inaccuracies, Trans Union has failed to take appropriate action and continues to report erroneous information on my credit file. 

I believe that Trans Union 's actions constitute clear violations of the FCRA, including but not limited to : Failure to conduct a reasonable reinvestigation into disputed accounts ( 15 U.S. Code 1681s-2 ). 
Unauthorized reporting of inaccurate information without proper verification ( 15 U.S. Code 1681b ). 
Repeated issuance of frivolous " Verified '' responses without providing substantive evidence ( 15 U.S. Code 1681n ). 
Furthermore, Trans Union 's disregard for the statutory requirements outlined in the FCRA has caused significant harm and distress, including damage to my creditworthiness and reputation, as well as undue financial burden. 

As such, I am requesting that the Consumer Financial Protection Bureau conduct a thorough investigation into this matter and take appropriate enforcement action against Trans Union for its willful noncompliance with the FCRA. I trust that the CFPB will uphold its mandate to protect consumers ' rights and ensure fair and accurate reporting practices by credit bureaus. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this complaint. 

Sincerely, 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 2024-02-27 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: NJ

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file 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

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 2024-02-27 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: NJ

Complaint narrative:
I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
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 2024-02-27 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 XXXX XXXX Account XXXX : 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 2024-02-27 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: LEXISNEXIS
State: IL

Complaint narrative:
It has come to my attention that these itema are not reporting 100 % accurately to my credit report and there are some inaccuracies within the reporting. According to the FCRA if any items are reporting inaccurately on my credit report they should be removed immediately.XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$190.00} XXXX XXXX XXXX XXXX XXXX, IL XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation