vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-10 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. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b XXXX. 
Account name : 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, 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 2024-10-10 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. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 
Account name : 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, 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 2024-10-10 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: TX

Complaint narrative:
It has come to light that you are not removing the records, despite my submission of the FTC report. As required by Regulation 605b of the FCRA, I am sending this complaint to help establish a formal response. If you choose not to remove the items listed below, which are inaccurately reported due to fraud, I will turn over my documentation to my attorney to initiate legal action. My intent is to avoid any legal proceedings, so I urge you to comply with the law promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-10 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct :XX/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 explanation
Consumer complaint received 2024-10-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
RE : Certificated Security - Notice of Adequate Assurance This is an action in realm. I am here as the accommodating party of the Surety for the referenced account. Fully protected and reserved by the 9th Amendment of the US Constitution. 
I am an international lender/investor of the United States to help settle all matters for my estate. Any misuse of this trust is a breach of fiduciary duty. 
I accept all of these securities in equity as redemption. Im taking the charges on the accounts, and I am letting go of and assigning the interest then transferring the chattel paper to the CFO of USAA. 
Primary Activity : SAVINGS INSTITUTIONS AND OTHER DEPOSITORY CREDIT INTERMEDIATION I was unaware at the time of the extension that I, as Consumer/Beneficiary EXTENDED my credit to you to pay for the entire account/contract and was not properly informed of ( all ) disclosures/consideration of the claim on the collateral. The Baby Act, or Plea of infancy. My signature along with my Social Security Number is on the security instrument and you owe me Substance in return as the beneficiary. Not only does the security instrument pay you for the entire product being purchased, but its securitized for upwards to 10 times the value. I am requesting you return my vehicle immediately. 
I have yet to receive any IRS related documents for these charged off accounts you are now claiming. Additionally, please provide the documents I have repeatedly requested for on full accounting of both sides of the ledger. 
1. Footnotes to Financial Statements : Disclose related-party transactions.

2. Related-Party Transaction Disclosures : Detail transactions with owners/creditors.

3. Financial Statement Analysis : Show loan receivable/payable accounts. 
XXXX. XXXX XXXX : Related Party Disclosures XXXX. ASC XXXX : Receivables XXXX. XXXX XXXX : Liabilities While USAA Federal Savings Bank is not directly a member of the Federal Reserve, it is subject to supervision by the Federal Reserve Board of Governors due to its status as a federally chartered savings association.

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

Complaint narrative:
Im sure Ive been paying on time, yet there are some months where Ive been reported as late, which shouldnt happen. USC 1666b states that any billing errors must be corrected and the account updated to show it was paid as agreed.

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

Complaint narrative:
I've complained about being a victim of identity theft. You must remove any items that were opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$29000.00} XXXX XXXX XXXX XXXXXXXX {$4200.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$710.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-10 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:
To Whom It May Concern,. 
I completely disagree with the outcome of your investigation. Even after your examination, my credit report still shows the inaccurate things indicated below. For good cause, I would like these items to be looked into again right now. My credit score is severely harmed by these errors.

Additionally, in compliance with Public Law 91-506, Title VI, Section 611, Subsections A-D, and The Fair Credit Reporting Act, I require you to furnish tangible evidence of the information 's verification rather than a computer-generated affirmation.

I appreciate your time and assistance with 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 2024-10-10 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: TX

Complaint narrative:
To Whom It May Concern,.

I completely disagree with the outcome of your investigation. Even after your examination, my credit report still shows the inaccurate things indicated below. For good cause, I would like these items to be looked into again right now. My credit score is severely harmed by these errors.

Additionally, in compliance with Public Law 91-506, Title VI, Section 611, Subsections A-D, and The Fair Credit Reporting Act, I require you to furnish tangible evidence of the information 's verification rather than a computer-generated affirmation.

I appreciate your time and assistance with 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 explanation
Consumer complaint received 2024-10-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: OH

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : Columbia Debt Recovery LLC DBA Genesis Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX  NAME : XXXX XXXX XXXX address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Dear Columbia Debt Recovery LLC DBA Genesis I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter. 
XXXX XXXX

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

Complaint narrative:
I have an open complaint against XXXX XXXX and TransUnion. Both have received the complaint. TransUnion reached out and told me it was not their problem and that they could do nothing to fix their error.

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

Complaint narrative:
Please remove the folling account that arose from identity theft. XXXX XXXX XXXX XXXX is a fraudulent account im not liable for. Please delete and make sure a company calls my number before opennimg an account. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 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:
I am writing to bring to your attention unresolved errors on my credit reports maintained by XXXX, TransUnion, and XXXX. Despite my efforts to correct and update this information last year, the inaccuracies remain uncorrected. 

On XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, I submitted disputes and corrections to XXXX, TransUnion, and XXXX regarding inaccuracies of Incorrect Individual living man name, old addresses, incorrect information charge off bad debt and vehicle was voluntary return to Dealer and Remove inquiries. As of today, these errors continue to appear on my credit reports, harming my credit score and financial well-being. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies have a responsibility to investigate and correct inaccuracies within a reasonable period, typically 30 days. It has been over a year since I initiated the dispute process, and I have yet to see the necessary corrections. 

However, given the significant lapse of time since my initial dispute, I urge the FTC to investigate this matter and compel XXXX, TransUnion, and XXXX to take immediate action to correct my credit reports. 

I request that the CFPB take the following actions : Investigate this matter and verify the accuracy of my credit reports. 
XXXX XXXX, TransUnion, and XXXX to correct the disputed errors immediately. 
Take enforcement action, as necessary, to ensure compliance with the F CRA.

Thank you for your attention to this matter. I look forward to a prompt resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Credit Karma, LLC
State: VA

Complaint narrative:
Credit Karma has a {$50.00} Guarantee approval process or the person applying receives {$50.00} upon denial of said card. I contacted them, informed me it takes up to 30 days. Contacted them after 30 days, they said 30 to 60 days. Well contacted them again at 85 days and told me to call some XXXX number about an account I don't have any couldn't help me with this. They don't have a customer service number anyway and refuse to email me back about this. The hit was originally in XXXX now XXXX and no help. They lied and hit my credit, so I lose points and {$50.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Fidelity National Information Services, Inc. (FNIS)
State: MD

Complaint narrative:
To Whom It May Concern, I am writing to formally notify ChexSystems of my intent to pursue legal action for damages caused by your company 's continuous and frivolous reporting of inaccurate information. Despite my prior formal disputes under the Fair Credit Reporting Act ( FCRA ), your company has failed to correct or remove the erroneous data that is being reported under my name.

This inaccurate reporting has caused significant financial harm, emotional distress, and damage to my creditworthiness. Your company 's failure to uphold its legal obligation to ensure the accuracy and fairness of the information reported under my name has resulted in the following : 1. Denial of credit and banking opportunities. 
2. Damage to my financial and professional reputation.

3. Ongoing emotional distress and frustration caused by dealing with the consequences of your negligent reporting.

These actions are in violation of the FCRA, and I believe they reflect a blatant disregard for the legal rights of consumers. Furthermore, if my information was shared without my consent, this may also constitute a violation of privacy under the Gramm-Leach-Bliley Act and other relevant state privacy laws.

I am now demanding the following : 1. Immediate removal of all inaccurate information from your records. 
XXXX. Compensation for financial and emotional damages that have arisen from your company 's negligence. 
3. Cessation of all further reporting of unauthorized or inaccurate information regarding my 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 explanation
Consumer complaint received 2024-10-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONLINE Information Services, Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/year> Online Information Services XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Account Number : XXXX Dear Online information Services, I am writing in response to your recent communication regarding the alleged debt referenced above. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692g, I am requesting that you provide me with validation of the debt in question. 
I dispute the validity of this debt and request that you provide the following information : 1. Verification of the amount of the debt, including a detailed breakdown of all charges and fees. 
2. Verification that you are licensed to collect debts in my state. 
XXXX. Proof of ownership or assignment of the debt, including documentation showing that you have the legal right to collect on this debt. 
XXXX. A complete payment history, detailing all payments made and any credits applied to the account. 
XXXX. A copy of the original signed agreement or contract, if applicable, that establishes my obligation to pay this debt. 
Please note that my request is not an acknowledgment of the debts validity. I am simply exercising my rights under the FDCPA to obtain verification and validation of the debt. Until such time as you provide the requested information, I am requesting that you cease all collection efforts and refrain from contacting me regarding this matter. 
Please provide the requested information within 30 days of your receipt of this letter. Failure to do so will result in my assumption that this debt is not valid, and I will take appropriate action to protect my rights. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation