vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX Dispute Department- 15 U.S. $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of the receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft. Please delete immediately.

These accounts should not be furnished on my consumer report as they are in violation. Under, 15 US Code 1681b- Permissible purposes of consumer reports ( a ) in general subject to subsection C any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instruction to the consumer it relates to. I never gave any consumer reporting agency written consent to report anything on my credit report which violates my rights as a federal protected consumer. No consent is identity theft. As a consumer, I am demanding the deletion of the accounts below.

Please remove all inquiries which I did not authorize or give consent : Hard inquiries XXXX XXXX Inquired XXXX On record untilXXXX XXXX XXXX XXXX XXXX XXXX VIA DEALER Inquired XXXX On record untilXXXX XXXX XXXX XXXX XXXX Inquired XXXX On record untilXXXX XXXX XXXX XXXX XXXX Inquired XXXX On record untilXXXX XXXX XXXX XXXX Inquired XXXX On record XXXX XXXX XXXX XXXX Inquired XXXX On record untilXXXX  XXXX XXXX XXXX Inquired XXXX On record XXXX XXXX XXXX XXXX XXXX XXXX VIA DEALER Inquired XXXX On record XXXX XXXX XXXX XXXX XXXX Inquired XXXX On record XXXX XXXX XXXX XXXX XXXX XXXX Inquired XXXX On record untilXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Subject : Dispute Resolution Follow-Up : Incorrect Balance Reporting Dear Consumer Financial Protection Bureau XXXX XXXX am writing to file a formal complaint against EXPERIAN, regarding their failure to accurately update my credit report. 

On XX/XX/year>, I submitted a dispute to the credit bureaus, requesting the correction of balances on my Department of Education loans serviced by XXXX, which I have fully paid off XXXX. I received confirmation from XXXX that the accounts are paid in full and provided supporting documentation during the dispute process. 

However, on [ XX/XX/year> ], the credit reporting agency responded, claiming the information was updated. Yet, upon reviewing my credit report, the balances remain unchanged and are still reflecting the original amounts as if unpaid. 

This inaccurate reporting is not only misleading but also detrimental to my credit standing. I believe this failure to properly investigate and update my information violates the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to ensure the accuracy of consumer reports and promptly correct errors after disputes and opens EXPERIAN up to a Consumer Lawsuit in the process for inaccurate reporting.

I am requesting the Consumer Financial Protection Bureau in assisting to ensure EXPERIAN fulfills its obligations by : 1. Promptly correcting the balances on my accounts to reflect a XXXX balance. 

XXXX. Conducting a thorough investigation into this matter to ensure compliance with federal regulations. 

I have attached the following supporting documentation for your review : Confirmation from XXXX of the loans being paid in full. 

Copies of correspondence and the response from the credit reporting agency.

Thank you for your attention to this matter. I trust you will assist in resolving this issue promptly. 

Sincerely, 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 explanation
Consumer complaint received 2024-11-23 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: NY

Complaint narrative:
According to the FCRA ( 15 USC 1681b ) credit reporting agencies are only allowed to furnish consumer credit reports to those who have a permissible purpose as defined by the FCRA. The company XXXX XXXX reportedly opened a account on XX/XX/XXXX without my knowledge or permission and has not provided any validation of this debt to me. The company XXXXXXXX XXXX reportedly opened a account on XX/XX/XXXX without my knowledge or permission and has also failed to provide me with the validity of the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 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: NY

Complaint narrative:
According to the FCRA ( 15 USC 1681b ) credit reporting agencies are only allowed to furnish consumer credit reports to those who have a permissible purpose as defined by the FCRA. The company XXXX XXXX reportedly opened a account on XX/XX/XXXX without my knowledge or permission and has not provided any validation of this debt to me. The company XXXX XXXX reportedly opened a account on XX/XX/XXXX without my knowledge or permission and has also failed to provide me with the validity of the debt.

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 2024-11-23 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: Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates
State: NY

Complaint narrative:
According to the FCRA ( 15 USC 1681b ) credit reporting agencies are only allowed to furnish consumer credit reports to those who have a permissible purpose as defined by the FCRA. The company XXXX XXXX reportedly opened a account on XX/XX/XXXX without my knowledge or permission and has not provided any validation of this debt to me. The company XXXXXXXX XXXX reportedly opened a account on XX/XX/XXXX without my knowledge or permission and has also failed to provide me with the validity of the debt.

Company response to consumer: Untimely response
Consumer complaint received 2024-11-23 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: LA

Complaint narrative:
I am submitting this complaint regarding the inaccurate reporting of late payments on my credit report by credit reporting agency about XXXX XXXX XXXX XXXX. The credit reporting agency is reporting late payments for XXXX XXXX XXXX XXXX ( Balance : {$2200.00} ), including a XXXX late payment mark. This reporting violates 15 U.S.C. 1666b ( a ) of the Consumer Credit Protection Act, which explicitly states that a creditor may not treat a payment on a credit card account as late unless reasonable procedures have been adopted to ensure the periodic statement is mailed or delivered at least 21 days before the payment due date. XXXX XXXX XXXX XXXX has failed to meet this standard, making this late payment mark unlawful. Despite my repeated disputes, the credit reporting agency has failed to properly respond or adequately investigate and correct these errors. Under 15 U.S.C. 1681i ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information and delete or correct inaccuracies promptly. The credit reporting agency 's continued failure to comply with these obligations has caused damage to my credit reputation and financial well-being. The credit reporting agency has my personal information on file and therefore knows my identity. There is no valid reason for this failure to take appropriate corrective actions.

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 2024-11-23 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: IL

Complaint narrative:
Ive just received my credit report and noticed unauthorized items that shouldnt be listed within my credit profile. I had already requested for the items to be removed. And in accordance to the FCRA, XXXX account number XXXX, XXXX, XXXX, and XXXX has violated my right. 
15 USC 1681 602 A States I have the right to privacy. 

15 USC 1681 604 A section 2 states consumer reporting agencies can not furnish accounts without consent. 
Im am requesting for the following accounts to be removed

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 2024-11-23 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: LA

Complaint narrative:
I am submitting this complaint regarding the inaccurate reporting of late payments and balances on my credit report by Experian. 

Experian is reporting late payments for the accounts listed above, including a XXXX-day late payment mark. This reporting violates 15 U.S.C. 1666b ( a ) of the Consumer Credit Protection Act, which explicitly states that a creditor may not treat a payment on a credit card account as late unless reasonable procedures have been adopted to ensure the periodic statement is mailed or delivered at least 21 days before the payment due date. The creditors associated with these accounts failed to meet this standard, making these late payment marks unlawful.

Despite my repeated disputes, Experian has failed to properly respond or adequately investigate and correct these errors. Under 15 U.S.C. 1681i ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information and delete or correct inaccuracies promptly. Experians continued failure to comply with these obligations has caused damage to my credit reputation and financial well-being. 

Experian has my personal information on file and therefore knows my identity. There is no valid reason for this failure to take appropriate corrective actions.

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 2024-11-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: GA

Complaint narrative:
To Whom It May Concern : I am writing regarding an entry listed on my credit report under your XXXX XXXX agencys name. I request that you provide validation of the alleged debt as I have the right to dispute its validity under the Fair Debt Collection Practices Act ( FDCPA ). Per 15 U.S.C. 1692g, please provide me with the following information : 1. The original agreement or signed contract related to this debt, showing that I agreed to pay the alleged amount. 2. The name of the original creditor and an itemized statement showing the amount owed, any interest, fees, or other charges. 3. Any documentation showing your legal right to collect on this debt. In addition, I have reason to believe that communication practices associated with this collection have violated my rights under 15 U.S.C. 1692c. If you can not validate this debt in full compliance with federal regulations, please cease all further communication regarding this debt, and have this entry removed from my credit report immediately. Please consider this a formal dispute. Any further reporting of inaccurate information to credit bureaus may constitute a violation of the FDCPA. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I NEGOTIATED WITH THE COMPANY XXXX XXXX TO DISMANTLE THE CAR IN EXCHANGE FOR NOT DAMAGE MY REPORT AND THEY DID NOT AGREE AND THEN They took my car in XXXX because I couldn't continue paying due to the pandemic, I had already paid a total of XXXX XXXX dollars, now I am without credit without my XXXX XXXX dollars and without a car. It's not fair that they have the money in the car and still have damage to my credit. 

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT XXXX ... 
HAS VIOLATED MY RIHT. 
15 U.S.C 1681 SECTION 602 A. STATES I HAVE RIGHT TO PRIVACY.

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 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: PR

Complaint narrative:
XX/XX/year> I received a credit inquiry from this company JPMCB card service ( bank ) without my permission it seems to me that it is a fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 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: FL

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXXXXXX XXXX XXXX Account number : 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 2024-11-23 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 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 explanation
Consumer complaint received 2024-11-23 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: Self Financial Inc.
State: NY

Complaint narrative:
According to the FCRA ( 15 USC 1681b ) credit reporting agencies are only allowed to furnish consumer credit reports to those who have a permissible purpose as defined by the FCRA. The company XXXX XXXX reportedly opened a account on XX/XX/XXXX without my knowledge or permission and has not provided any validation of this debt to me. The company LEAD BANK  reportedly opened a account on XX/XX/XXXX without my knowledge or permission and has also failed to provide me with the validity of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: SC

Complaint narrative:
I moved out of the XXXX student housing complex in XXXXXXXX XXXX on XX/XX/XXXX with a sixty day notice ( which XXXX law states that XXXX tenants have to give the landlord a 30 days ' notice if they're planning to move out of the property. ) and rent was paid up until XXXX of XXXX. The complex stated that i would not owe anything and i was free to move out. 

In XX/XX/XXXX I received a letter stating that I owed {$9600.00} in past due rent collection. 

Ive tried to contact the complex and get it resolved and they just state that i need to handle it with the collection agency whom has yet to provide proof of the debt and the debt amount.

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 2024-11-23 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: FL

Complaint narrative:
I am writing to diputed account on my credit report that were without my consent. According to section 604 of the FAIR CREDIT REPORTING TO SECTION 15 U.S.C 1681 ( b ), thera are specific permissible purposes for obtaining a credit report. I did not authorize these account and can not find permissible purpose under this section that justifies their prsence on my report. PLEASE DELE ACCOUNT XXXX XXXX XXXX ACCOU NUMBER XXXX Attached is a report from the Federal Trade Commission ( FTC XXXX ) as additional evidence to support my claim regarding the unauthorized use of my identity. This document contains relevant details that validate my statement and demonstrate that I have been a victim of identity theft. I kindly request that this information be considered to proceed with the appropriate investigation and resolve this matter promptly

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 2024-11-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: GA

Complaint narrative:
To Whom It May Concern : I am writing regarding an entry listed on my credit report under your agencys name. I request that you provide validation of the alleged debt as I have the right to dispute its validity under the Fair Debt Collection Practices Act ( FDCPA ). Per 15 U.S.C. 1692g, please provide me with the following information : 1. The original agreement or signed contract related to this debt, showing that I agreed to pay the alleged amount. 2. The name of the original creditor and an itemized statement showing the amount owed, any interest, fees, or other charges. 3. Any documentation showing your legal right to collect on this debt. In addition, I have reason to believe that communication practices associated with this collection have violated my rights under 15 U.S.C. 1692c. If you can not validate this debt in full compliance with federal regulations, please cease all further communication regarding this debt, and have this entry removed from my credit report immediately. Please consider this a formal dispute. Any further reporting of inaccurate information to credit bureaus may constitute a violation of the FDCPA. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation