vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-30 00:00:00
Product: Credit reporting, credit repair services, 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:
In accordance with the Fair Credit Report act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 year.

15 U.S.C. 1681s-29 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if person knows or reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
I've noticed issues on my credit report from Equifax as they are reporting inaccurate and incomplete information on my credit report. It is not 100 % accurate, and impedes on my privacy as a consumer and effects my credit worthiness tremendously. I've sent a formal letter to Equifax and they have not completed the investigation of this matter within thirty days. I want the accounts in question removed asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX and XXXX must be investigated and was not investigated per the company reposes. This is not lawful. Also invalid updates were done to accounts that have not changed including this account and an account from XXXX. IF these account were not in compliance they must be deleted this is causing harm to myself by allowing these companies to commit unlawful and non-compliant entries into credit reporting systems and instead of deletion allowing those same companies to damage myself again and again. These two items must be deleted.

Investigation was not an actual investigation. I demand a XXXX XXXX Compliance and e-Oscar investigation involving the following on my credit report : XXXX XXXX XXXX Account on my credit report XXXX it is showing past due balance and other items that are not in compliance with XXXX XXXX standards and must be deleted immediately.

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 2023-01-30 00:00:00
Product: Credit reporting, credit repair services, 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:
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX Shall remove the listed fraudulent and misleading accounts below from my consumer report. Reporting these account and attempting to collect on these accounts is fraudulent, and is a violation of 15 USC 1692j It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in aconsumerthat a person other than thecreditorof suchconsumeris participating in the collection of or in an attempt to collect adebtsuchconsumerallegedly owes suchcreditor, when in fact such person is not so participating. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Understand the accounts they reported to my consumer report using my XXXX information was reported to create a false belief that I have an obligation to pay a debt not owed You have 4 business days after receipt of this Notice to block all of the fraudulent accounts furnished to consumer reporting agencies using my Personal information. Secondly you are also in violation of 15 USC Code 1692D ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. I herby order you to cease and desist from attempting to collect these fraudulent accounts and cease all communication directly or indirectly through any medium including Consumer reporting agencies. The conduct of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX is usury and Extortion and blackmailing me by using my Credit file to coerce me into pay a debt not verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This is NOT a request for verification or proof of MY mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above named Titles and Sections, if any negative mark is found on any of MY credit reports by THESE COMPANIES or the company that you represent, you are in direct legal violation of the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Fair Credit Billing Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud ) This debt is considered to be invalid until I HAVE received proper validation and your offices have provided proper proof of claim of the disputed debt. Your offices have 30 days to produce the required documentation. During this validation period and proof of claim, if any action is taken which could be considered detrimental to any of MY credit reports, said action will be considered a dishonor and cause the self-executing contract portion of this notice to be implemented. This includes listing any information to a credit reporting repository that could be inaccurate or invalidated. IF THIS INFORMATION IS NOT OFF Y CREDIT REPORT WHITHIN 5 DAYS IVE SENT THIS OUT, I WILL HAVE NO CHOICE BUT TO FILE SUIT AGAINST YOUR AGENCIE. UNDER 15 USC 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Cascade CISS Holdings, LLC
State: NY

Complaint narrative:
Inaccurate and incorrect Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This complaint is to report the inaccurate credit reporting by the XXXX credit reporting agencies XXXX, XXXX, and TransUnion. The account XXXX XXXX should be immediately deleted from my credit report due to incorrect information. How is each bureau reporting different balances and payment history when all data furnished should be the same? This doesn't make sense and it violates so many FCRA regulations. Also, XXXX has yet to send me any historical data about this account therefore it should not be reporting on my credit report. XXXX does not even report the original balance so there is no way for me to fact check this information. At this time, I am only asking for the deletion of the account. According to the law, I can take this to small claims court due to the many violations and inaccuracies. If so, I will be seeking compensation for {$1000.00} per violation. I am asking that the credit bureaus cease any stall letters that they are planning to send because I will move forward with legal action because this is causing me extreme distress. I do not think that an investigation was ever conducted and that is why the account is still reporting inaccurately. I am demanding for the deletion of this account immediately.

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 2023-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This complaint is to report the inaccurate credit reporting by the XXXX credit reporting agencies XXXX, Equifax, and XXXX. The account XXXX XXXX should be immediately deleted from my credit report due to incorrect information. How is each bureau reporting different balances and payment history when all data furnished should be the same? This doesn't make sense and it violates so many FCRA regulations. Also, XXXX has yet to send me any historical data about this account therefore it should not be reporting on my credit report. Equifax does not even report the original balance so there is no way for me to fact check this information. At this time, I am only asking for the deletion of the account. According to the law, I can take this to small claims court due to the many violations and inaccuracies. If so, I will be seeking compensation for {$1000.00} per violation. I am asking that the credit bureaus cease any stall letters that they are planning to send because I will move forward with legal action because this is causing me extreme distress. I do not think that an investigation was ever conducted and that is why the account is still reporting inaccurately. I am demanding for the deletion of this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
I've noticed issues on my credit report from Experian as they are reporting inaccurate and incomplete information on my credit report. It is not 100 % accurate, and impedes on my privacy as a consumer and effects my credit worthiness tremendously. I've sent a formal letter to Experian and they have not completed the investigation of this matter within thirty days. I want the accounts in question removed asap.

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 2023-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: MA

Complaint narrative:
In approx XX/XX/2022, I initiated a trade in using my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX powder blue phone, for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I also financed an XXXX  XXXX without a trade in with XXXX. I had Many, many issue right off the bat including the inability to connect my service for more than a month, causing me many issues in my personal life, including being unfairly discharged from a medical office that I relied on for everyday well being. The biggest issue leading me here, is that XXXX ultimately failed to keep their part of their contract with me regarding the trade-in offer and never paid off my bill with XXXXXXXX XXXX XXXX for the XXXX XXXX XXXX XXXX. I confirmed the phone arrived at the XXXX warehouse, and on more than one occasion, with the assistance of a representative, tried to process the pay-off, each time believing, hoping it was a success, but while waiting and more time passed, apparently, according to XXXX, `` You waited to long, and now your time frame has " expired ''. Although I did not actually wait to long, XXXX had just neglected their contractual duty when I mailed in my trade in with the trade in kit that they provided to me. I never once wavered from my contract, and still have not. 
Ultimately XXXX XXXX XXXX sold this debt, against me to collections for {$790.00}, and my credit which was recently close to 800, is now approx 665 or less, and going down because of it. I recently received a letter from XXXX stating that they received a letter from the new collection agency Sunrise ( who has apparently purchased the debt from the original collection agency, and when they took over it shows on my credit report as if its a brand new debt collection, being the reason my score went down dramatically again. ) after receiving this letter they ran a soft inquiry on my credit and then decided to reduce my benefits and purchase power, even though # 1- I have 100 % on time payment history with XXXX XXXX Ive never owed them one single day past due, ever. # 2- this entire situation is 100 % their doing and their fault, yet they have the oddasity to penalize me when they have not only destroyed my credit and financial reputation, but also my chances of qualifying for a mortgage, which Id been striving for for 4 years until now. 
Please help

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 2023-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX Shall remove the listed fraudulent and misleading accounts below from my consumer report. Reporting these account and attempting to collect on these accounts is fraudulent, and is a violation of 15 USC 1692j It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in aconsumerthat a person other than thecreditorof suchconsumeris participating in the collection of or in an attempt to collect adebtsuchconsumerallegedly owes suchcreditor, when in fact such person is not so participating. XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Understand the accounts they reported to my consumer report using my Personal information was reported to create a false belief that I have an obligation to pay a debt not owed You have 4 business days after receipt of this Notice to block all of the fraudulent accounts furnished to consumer reporting agencies using my Personal information. Secondly you are also in violation of 15 USC Code 1692D ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. I herby order you to cease and desist from attempting to collect these fraudulent accounts and cease all communication directly or indirectly through any medium including Consumer reporting agencies. The conduct of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is usury and Extortion and blackmailing me by using my Credit file to coerce me into pay a debt not verified.

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 2023-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX Shall remove the listed fraudulent and misleading accounts below from my consumer report. Reporting these account and attempting to collect on these accounts is fraudulent, and is a violation of 15 USC 1692j It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in aconsumerthat a person other than thecreditorof suchconsumeris participating in the collection of or in an attempt to collect adebtsuchconsumerallegedly owes suchcreditor, when in fact such person is not so participating. XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX. Understand the accounts they reported to my consumer report using my Personal information was reported to create a false belief that I have an obligation to pay a debt not owed You have 4 business days after receipt of this Notice to block all of the fraudulent accounts furnished to consumer reporting agencies using my Personal information. Secondly you are also in violation of 15 USC Code 1692D ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. I herby order you to cease and desist from attempting to collect these fraudulent accounts and cease all communication directly or indirectly through any medium including Consumer reporting agencies. The conduct of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is usury and Extortion and blackmailing me by using my Credit file to coerce me into pay a debt not verified.

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 2023-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This complaint is to report the inaccurate credit reporting by Experian. The account XXXX XXXX XXXX XXXXXXXX should be immediately deleted from my credit report due to incorrect information. I never had a charged off account with this company. Also, XXXX has yet to send me any historical data about this account therefore it should not be reporting on my credit report. Also, if an account is charged off then I should have received a 1099c from the company and I did not receive anything. XXXX and XXXX do not report the account so there is no way for me to fact check this information. At this time, I am only asking for the deletion of the account. According to the law, I can take this to small claims court due to the many violations and inaccuracies. If so, I will be seeking compensation for {$1000.00} per violation. I am asking that the credit bureaus cease any stall letters that they are planning to send because I will move forward with legal action because this is causing me extreme distress. I do not think that an investigation was ever conducted and that is why the account is still reporting inaccurately. I am demanding for the deletion of this account immediately.

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 2023-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I sent out investigation letters to Experian, XXXX, and XXXX on XX/XX/2019 ( Tracking # XXXX XXXX | XXXX XXXX | Experian XXXX ). The credit bureaus completed the investigation and stated that the report was 100 % accurate. I disputed that a bankruptcy was reporting on my credit profile and should not be reporting. They told me it was verified ( at the present date this bankruptcy is still reporting on my credit report ). 

According to the law 15U.S. Code 1681a-Definitions ; rules of construction. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to regarding this matter. 

How did they complete this investigation?

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