vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-16 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: LCI Acquisition Inc.
State: GA

Complaint narrative:
On XX/XX/year> I sent the following email to LCI. I have yet to receive a response. 

Greetings. 

I am sending this email in regards to information I obtained from XXXX about a bankruptcy, in my name, being reported to them from your company. I called LCI on XX/XX/XXXX and the XXXX to speak with an agent directly but I was only able to get the answering service due to the call volume. 
I have questions regarding the bankruptcy being housed and reported to XXXX by XXXX. 

XXXX. Is LCI a creditor or a CRA ( Credit reporting agency )? 
XXXX. Have I, XXXX XXXX XXXX, applied for any credit with LCI? 
XXXX. Have I, XXXX XXXX XXXX, applied for employment with LCI? 
XXXX. Has LCI extended any credit or employment opportunities to me, XXXX XXXX XXXX? 
XXXX. From whom is LCI obtaining this bankruptcy information? 

I request a clear precise answer to each of the above questions. DO NOT respond with " your company will perform a 30 day investigation ''. This is NOT a dispute. This is a DEMAND FOR IMMEDIATE REMOVAL of the bankruptcy being housed and reported to XXXX. 
DO NOT respond with " Bankruptcies are public records ''. Unless LCI is a current creditor, lender or employer, then LCI doesn't have adequate reason for obtaining any bankruptcy information. This is a clear violation of my Fourth Amendment. " Right to be secure in their persons, houses, papers and effects ''. 
As it stands, LCI obtains and reports bankruptcy information for company profit. 

I approve of contact via email or phone. My phone number is XXXX email : XXXX I am only approving contact to obtain the necessary information to remove the bankruptcy from your records. 

Respectfully, XXXX XXXX XXXX LCI are clear violators of my Constitutional rights. They are also violators of the FCRA. They did not and do not have permissible purpose to obtain this information. They are not creditors nor lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: CA

Complaint narrative:
My information was used without my knowledge or consent as I am victim of human trafficking of Debt Bondage. Please delete the following accounts. XXXX XXXX XX/XX/XXXX BALANCE - {$1100.00}. XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX BALANCE- {$1500.00}. XXXX XXXX XX/XX/XXXX BALANCE - {$4900.00}. XXXX XXXX XX/XX/XXXX BALANCE- {$2900.00} XXXX XXXX XX/XX/XXXX BALANCE- {$1500.00}. XXXX  XXXX XX/XX/XXXX BALANCE- {$1300.00}. XXXX XXXX XXXX XX/XX/XXXX BAL- {$8600.00}. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX BAL- {$3600.00} XXXX XXXX  XXXX XX/XX/XXXX BAL- {$73.00}. XXXX XXXX XX/XX/XXXX BAL- {$120.00}. XXXX XXXX XX/XX/XXXX BAL- {$10000.00}. XXXX XXXX XX/XX/XXXX BAL- {$920.00} XXXX XXXX  XX/XX/XXXX BALA- {$6200.00}. XXXX  XXXX XX/XX/XXXX BAL- {$500.00}. XXXX  XXXX XX/XX/XXXX BAL- {$320.00}. XXXX XXXX XX/XX/XXXX BAL- {$3900.00}. XXXX XX/XX/XXXX BAL- {$73.00}. XXXX XXXX XXXX  XX/XX/XXXX BAL- {$1100.00}. XXXX XXXX XX/XX/XXXX BAL- {$3700.00}. XXXX XX/XX/XXXX BAL- {$7500.00}. XXXX XX/XX/XXXX BAL- {$590.00}. XXXX/XXXX  XX/XX/XXXX BAL- {$2400.00}. XXXX  XX/XX/XXXX BAL- {$3600.00}. XXXX  XX/XX/XXXX BAL- {$8600.00}. XXXX XXXX XX/XX/XXXX BAL- {$8300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Diversified Adjustment Service, Inc.
State: AR

Complaint narrative:
Between XX/XX/XXXX. XXXX and XXXX, XXXX a new account in collections was added to my credit report.15 U.S.C . 6802 states Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third partyany nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.. A financial institution may not disclose my non-public information without disclosing a notice to the consumer in writing or electronically and must give the consumer the opportunity to opt out before the time the information was disclosed, to direct such information may not be disclosed to such third party. 15 U.S Code 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of the section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Since I never got notice this should be removed off my credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have a case number with the XXXX for a tax identity theft to Experian Identity theft Works and XXXX XXXX XXXX XXXX showing a security freeze of a data breach with a tax lien paid by XXXX XXXX XXXX XXXX was appointed the IRS to send the documents over to Experian Identity Works with the identity restoration case and open a bankruptcy dispute with my management showing a distorted case from identity restoration XXXX XXXX XXXX. I asked XXXX XXXX to contact the control officer with the administration account and verify the error on report. So I asked to question the authority of the personal business account showing bankruptcy dispute hidden from the magistrate office and my accountant to verify my deposit case number with my business sole priortorship account balancing the fraud case with my investigator using my business account to hack and compromised my security. I want my dispute team to verify this error and send the investigation to my case worker and get my restrictions removed on my account showing suspicious log ins from bank account.

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 2024-08-16 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: UT

Complaint narrative:
I have been having issues with Experian 's XXXX program. I have reached out via email and a phone call. Their system is flawed and will not pickup rent, bill, or utility payments. I have tried to address this multiple times. Experian advertises that you can XXXX  your score by adding utilities and other bills. I have also sent XXXX  attachments that show I am paying bills over months.

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 2024-08-16 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:
According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.

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 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-08-16 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: NC

Complaint narrative:
I dont understand why you keep tampering with my credit score. You correctly reported no data after XX/XX/XXXX which is when I closed my XXXX account identifier number XXXX after a dispute was opened on XX/XX/XXXX. My score went to 740. This was accurate. Then after I closed a different account XXXX account identifier number XXXX on XX/XX/XXXX you decreased my score by XXXX points to XXXX even though my average credit age increased because that account was only open XXXX mths, had only {$2000.00} of credit on it and was never used. Then you modified my actual dispute inaccurately which you had started reporting correctly and went back to reporting the XXXX account id number XXXX with data after XX/XX/XXXX even though I closed that account in XX/XX/XXXX and dropped my score an additional XXXX points to 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 2024-08-16 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: TX

Complaint narrative:
My account with EQUIFAX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: IN

Complaint narrative:
I sent them a debt verification affidavit and they didn't respond. ( Please see attached )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Someone opened an account with Capital one and it was not me. They will not remove or fix the problem

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 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: TX

Complaint narrative:
My account with EXPERIAN was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments 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 explanation
Consumer complaint received 2024-08-16 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: PA

Complaint narrative:
I was shocked this morning to find inaccurate accounts on my credit report, and I have no clue why theyre there. I checked my credit report like I always do, but this time, discrepancies appeared out of nowhere. I even refreshed my browser, thinking it might be a glitch, but the inaccurate accounts were still there. Because of this, Im requesting that the documents Ive sent be reviewed thoroughly so I can finally stop worrying about this.

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 2024-08-16 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:
There are items on my credit report that have resulted from fraud to which I never benefitted from. I have reported them to the federal trade commission but they are not removed from my 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 explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
The BofA prepaid XXXX XXXX  notified me by mail that they suspected fraud because of some out of country transactions that had occurred. I'm not sure of the total because I never was able to get a statement from them or log into my account because they shut my card down. I'm not even sure of the dates now but best guess somewhere in 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 2024-08-16 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: IN

Complaint narrative:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX Balance : {$290.00} XXXX  XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$610.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: IN

Complaint narrative:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$610.00}

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 2024-08-16 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: CA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX Balance : {$16000.00}

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 2024-08-16 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: NY

Complaint narrative:
I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated, there are items on my credit report that have resulted from fraud and I never benefitted from it. I have already reported this to the Federal Trade Commission but they are not removed from my report, this is causing me tremendous XXXX.

Company response to consumer: Closed with non-monetary relief