vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-16 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: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
I received an Amex eGift Card. This includes an email You have received an American Express eGift Card from XXXX. And on there I clicked the link to validate and print the card, which loads on https : //balance.amexgiftcard.com/ # /account and shows a balance. I attempt to use this on XXXX ( using {$1.00} less than the face value of the card ). And the transaction is declined. I then tried again with various other amounts less than the full face value. 

Many people have reported having this problem starting this past year.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-16 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: OH

Complaint narrative:
On XX/XX/XXXX I XXXX XXXX looked at my updated Experian credit report dated XX/XX/XXXX report # XXXX and noticed Experian claim to have updated peoples bank account # XXXX on XX/XX/XXXX. On XX/XX/XXXX I sent CFPB a dispute about the accuracy of this account not being accurate, CFPB report # XXXX was sent to Experian on XX/XX/XXXX since then Experian opened up a re-investigation dispute and the dispute of this account was updated and closed on XX/XX/XXXX. The law states maximum possible accuracy of the information concerning the individual about whom the report relates according to USC 1681 ( e ) ( b ). at this time I am gon na sue Experian in federal, state and local courts due to reporting false information on my credit file that is not maximum accuracy. On XX/XX/XXXX I called XXXXXXXX XXXX account # XXXX with the number Experian provided me with and I talked to employee XXXX in the bankruptcy department, she informed me this account status was paid on XX/XX/XXXX, never Late, paid as agreed and paid closed. this account was never listed in the false bankruptcy Experian is reporting also reporting this account as a negative account. Experian never contacted peoples bank for the accuracy of this account in the month of XX/XX/XXXX or anytime before that according to XXXX XXXX  bankruptcy department employee XXXX. I applied for credit a number of times and was turned down due to this negative information on my Experian credit report. Also the last status updated by Experian for XXXXXXXX XXXX XXXX XXXXXXXX was XX/XX/XXXX according to the Experian credit report dated on XX/XX/XXXX, so Experian has been falsely reporting this information on my credit file since or before XX/XX/XXXX and not proper investigating this account since or before XX/XX/XXXX after falsely reporting to me and the CFPB they are working on this account I am not happy.

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 2024-05-16 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: Kikoff Inc.
State: SC

Complaint narrative:
Im in the process of trying to buy a house. In the process of that It was brought to my attention that I have damages on my credit report. According to the 15 USC 1681 Law there should not be any damages on my credit report its defamation to my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, 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. I told XXXX, Transunion, and XXXX to reinvestigate these account XXXX XXXX ( Finance ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-05-16 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: 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. I told XXXX, XXXX, and Equifax to reinvestigate these account XXXX XXXX  ( Finance )XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: NM

Complaint narrative:
I'm reaching out once again to address my confusion regarding how your credit bureau has handled the investigation into the fraudulent account on my credit report. 

Furthermore, I've directly contacted the company associated with this account, and they confirmed the removal. So, I'm puzzled as to why your bureau is still reporting this account. 

It's crucial to acknowledge that as a credit bureau, you have a legal obligation to ensure the accuracy and timeliness of your records. Failing to remove this fraudulent account not only breaches this obligation but also puts me at risk of further harm. I've already submitted the necessary FTC report to the Federal Trade Commission regarding this fraudulent account. Following this submission, both XXXX and XXXX have removed this account from their records : 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 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify 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 2024-05-16 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: NATIONAL DEBT RELIEF LLC
State: CA

Complaint narrative:
National debt relief was started by me in early 2023. They told me nothing about not paying my creditors, and months after starting the program I finally had settlements. XXXX of these settlements was taken back without my knowledge. I had money in XXXX of the accounts, but they sent it to a creditor for a large amount. I instantly contacted national debt relief, and all they said was i shouldn't have had the money in there. I have attempted to have them negotiate on my behalf for more than XXXX  months, to no avail. They completely dodge me, and just tell me to keep putting in more money. They absolutely do not do anything to assist with negotiating this last account that was supposed to be settled a year ago. I can't even speak to the negotiations team myself to understand what national debt relief needs from me to expedite this. 

I am so deep into the program that I cant quit now but this has completely changed my life and how I view finances. 


XXXX  company

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account name, XXXX XXXX XXXX has violated my rights. 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.

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 2024-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I saw on my credit file a hard inquiry by XXXX XXXX XXXX XXXX XXXX on XX/XX/2023 of which I never applied for auto loan .I called the XXXX XXXX  phone number I found on the credit bureaus then I spoke over the phone with they XXXX XXXX staff by name XXXX XXXX who confirmed they do not know me and they can remove the hard inquiry and he sent my XXXX office mailing address to dispute the report then XXXX XXXX will respond to the removal request but XXXX responded to me that that can only remove hard inquiry when the receive letter from the merchant. It had be unresolved since then till now

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 2024-05-16 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: TX

Complaint narrative:
I saw on my credit file a hard inquiry by XXXX XXXX XXXX XXXX XXXX on XX/XX/year> of which I never applied for auto loan .I called the XXXX XXXX  phone number I found on the credit bureaus then I spoke over the phone with they XXXX XXXX staff by name XXXX XXXX who confirmed they do not know me and they can remove the hard inquiry and he sent my XXXX office mailing address to dispute the report then XXXX XXXX will respond to the removal request but XXXX responded to me that that can only remove hard inquiry when the receive letter from the merchant. It had be unresolved since then till now

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I saw on my credit file a hard inquiry by XXXX XXXX XXXX XXXX XXXX on XX/XX/2023 of which I never applied for auto loan .I called the XXXX XXXX  phone number I found on the credit bureaus then I spoke over the phone with they XXXX XXXX staff by name XXXX XXXX who confirmed they do not know me and they can remove the hard inquiry and he sent my experian office mailing address to dispute the report then XXXX XXXX will respond to the removal request but experian responded to me that that can only remove hard inquiry when the receive letter from the merchant. It had be unresolved since then till now

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 2024-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P.
State: DC

Complaint narrative:
I am complaining because Southwest Credit XXXX  Systems put a derogatory mark on my credit report for a debt that is not mine. 

Southwest Credit XXXX Systems has been harassing me for months if not years by calling me all hours of the day and night. In the beginning I answered these calls, and they were very rude and unhelpful. When I asked them to provide information regarding my alleged debt, they disconnected the call. This happened several times. I thought this was spam until they put a derogatory mark on my credit report.

My best recollection is that the alleged debt is for a XXXX bill in the amount of approximately {$100.00}. This debt is not mine. It should have been charged to the building ( XXXX XXXX XXXX ) because it covered a time period after I had terminated my lease and moved out. I distinctly remember informing either XXXX or Southwest Credit XXXX Systems that the debt was the building 's, not mine. I believe Southwest Credit XXXX Systems has a legal obligation to validate a dispute, and I never received any evidence of any efforts by anybody to validate that the debt is actually mine.

I have never had a derogatory mark on my credit report before. My credit score has dropped by XXXX points. I am a lawyer filling out an application for admission to the state bar of another jurisdiction and now I have to report a financial delinquency that never should have been attributed to me. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 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:
Kindly delete these inquiries. I have no knowledge of them, and the company made them without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account name, XXXX  XXXX XXXX XXXX has violated my rights. 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.

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 2024-05-16 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: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account name, XXXX  XXXX XXXX XXXX has violated my rights. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account name, XXXX  XXXX XXXX XXXX has violated my rights. 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.

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 2024-05-16 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: The CMI Group, Inc.
State: VA

Complaint narrative:
Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Virginia Laws Dear CREDIT MANAGEMENT LP, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity fraud laws, specifically Virginia Code 18.2-186.3.

It has unequivocally come to my attention that CREDIT MANAGEMENT LP has engaged in unauthorized
reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Virginia state law, specifically Virginia Code 18.2-186.3, emphasizes the necessity of consumer consent for credit reporting. This law establishes clear guidelines for the fair reporting of consumer credit information and underscores the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for CREDIT MANAGEMENT LP to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.

I demand, with the utmost certainty, that CREDIT

MANAGEMENT LP immediately cease 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 Virginia Code 18.2-186.3. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws.

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

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

Done in good faith.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
I have been contacted by a debt collector that refused to provide me with the proper documents I requested. I keep getting calls stating the I must I identify and verify everything before they can give me any information. I asked for a validation letter, a purchase agreement and/or an assignment of debt. I also asked for a 1099 if the debt has been reported as a charge off. so far I have not gotten anything others than calls. I also wanted to make sure that they are reporting anything on my credit files unless it is verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: FL

Complaint narrative:
I have unauthorized inquiries and an account as a result of identity theft. I have unauthorized inquiries from XXXXXXXX XXXX on XX/XX/XXXX, XXXXXXXX XXXX XXXX on XX/XX/XXXX, XXXX XX/XX/XXXX, and also XXXX XXXX XXXX on XX/XX/XXXX On My TransUnion Consumer report that I would like removed. I also have an account from XXXX XXXXXXXX XXXX  that should not be on my consumer report also. I have disputed these issues with XXXX TransUnion and XXXX and they did not remove this account and I would like it 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 non-monetary relief
Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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