vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Tennessee XXXX Date : XX/XX/year> Credit Reporting Agency Name : the credit reporting agency : Equifax, XXXX, or XXXX ] Subject : Formal Dispute of Collection Account XXXX XXXX XXXX ( Account Number : XXXX ) To Whom It May Concern, I am writing to formally dispute the collection account reported by XXXX XXXX XXXX with the account number XXXX. I have identified inaccuracies and incomplete information associated with this account that warrant immediate investigation and resolution. 

According to the Fair Credit Reporting Act ( FCRA ), I request an immediate block and verification of this account until the alleged debt can be fully investigated and validated. Specifically, I dispute the following inaccuracies : 1. Balance discrepancies : The current balance listed as {$4400.00} differs from the original balance of {$4000.00} without adequate explanation or justification.

2. Payment history errors : The repeated listing of Collection statuses for overlapping periods ( e.g., XX/XX/year> and XX/XX/year> ) reflects a potential data reporting error. 
3. Verification of debt ownership : I have not received proper documentation verifying this debt, nor have I been provided with any evidence of my liability. 

Given these inaccuracies, I request the following actions under the FCRA : 1. Immediately investigate the validity of this account with XXXX XXXX XXXX. 
2. Block this account from being reported until the investigation is completed and any inaccuracies are corrected. 
3. Provide me with detailed verification of the debt, including a signed contract or agreement and an itemized statement of the charges. 

I have attached a copy of my identification and proof of address to assist with this process. Please resolve this matter within 30 days of receipt of this letter, as required by law. If the account can not be verified, I request its permanent removal from my credit report. 

I expect written confirmation of your findings and actions taken. You may contact me at the address above for any additional information or clarification. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: TN

Complaint narrative:
XXXX XXXX XXXX Safe XXXX XXXX XXXX, Tennessee XXXX Date : XX/XX/year> Credit Reporting Agency Name : the credit reporting agency : XXXX, Experian, or XXXX ] Subject : Formal Dispute of Collection Account XXXX XXXX XXXX ( Account Number : XXXX ) To Whom It May Concern, I am writing to formally dispute the collection account reported by XXXX XXXX XXXX with the account number XXXX. I have identified inaccuracies and incomplete information associated with this account that warrant immediate investigation and resolution. 

According to the Fair Credit Reporting Act ( FCRA ), I request an immediate block and verification of this account until the alleged debt can be fully investigated and validated. Specifically, I dispute the following inaccuracies : XXXX. Balance discrepancies : The current balance listed as {$4400.00} differs from the original balance of {$4000.00} without adequate explanation or justification. 
XXXX. Payment history errors : The repeated listing of Collection statuses for overlapping periods ( e.g., XX/XX/year> and XX/XX/year> ) reflects a potential data reporting error. 
3. Verification of debt ownership : I have not received proper documentation verifying this debt, nor have I been provided with any evidence of my liability.

Given these inaccuracies, I request the following actions under the FCRA : 1. Immediately investigate the validity of this account with XXXX XXXX XXXX. 
2. Block this account from being reported until the investigation is completed and any inaccuracies are corrected.

3. Provide me with detailed verification of the debt, including a signed contract or agreement and an itemized statement of the charges. 

I have attached a copy of my identification and proof of address to assist with this process. Please resolve this matter within 30 days of receipt of this letter, as required by law. If the account can not be verified, I request its permanent removal from my credit report. 

I expect written confirmation of your findings and actions taken. You may contact me at the address above for any additional information or clarification. Thank you for your prompt attention to this matter. 

Sincerely, 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 2024-11-15 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: NC

Complaint narrative:
I would like to dispute these inaccurate accounts on my credit report. 

XXXX : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX TransUnion : XXXX XXXX  XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX XXXX A Date of inquiry : XX/XX/year>

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 2024-11-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GLOBAL SOLUTION BIZ LLC.
State: DE

Complaint narrative:
I contacted Global Biz Solution on XXXX  XX/XX/XXXX, XXXX speak with XXXX XXXX XXXX regarding my account. I had received an email from the CFPB offering a settlement of {$3000.00}. I informed her that I couldnt afford that amount at this time but proposed paying {$200.00} for the next three months, followed by a settlement.

She initially said there was no problem with this arrangement and will email a letter. However, XX/XX/XXXX, a gentleman ( whose name XXXX dont have on file ) stated that my arrangement could not be accepted. He said I either needed to settle the full amount or increase my payment. 

I explained to him that this was a sensitive issue and emphasized my concerns, but he dismissed them and blamed the client. I told him I intended to reach out to the CFPB to ensure I was protected.

I dont understand the issues with Global BizSolution LLC . Could someone please contact me so we can get on the same page, or will I need to file a lawsuit? I dont understand these tactics or the rules being applied here. Please help me resolve this. 

This matter is critical to me. It also effect my XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: PA

Complaint narrative:
This account should not be furnished as negative on my consumer report as it is in VIOLATION under, 15 US Code 1681-B 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 : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. I paid all of my car payments and the account should NOT be listed as a negative closed account, but instead should be a POSITIVE closed account as the bill has been fully paid off and has been for a very long time. I never gave any consumer reporting agency my WRITTEN CONSENT & INSTRUCTIONS to report anything on my consumer report which violates my rights as a federally protected consumer. As a consumer, I am demanding the fixing of the negative status of this account IMMEDIATELY : XXXXXXXX XXXX XXXX XXXX. I am demanding the DELETION of this UNAUTHORIZED INQUIRY IMMEDIATELY : 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 2024-11-15 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:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
Freedom Mortgage sent me a letter dated XX/XX/XXXX notifying me that due to flood map revision 's issued by FEMA that my property is now located in a Special Flood Hazard Area. The letter stated they must receive proof of sufficient flood coverage within 45 days of this letter. I purchased Flood insurance XX/XX/scrub>/2024. My agent sent a copy of the policy to Freedom Mortgage that day. I even contacted the XXXX to make sure they received it which they did. I later find out that Freedom Mortgage ended up purchasing a special hazard policy that started on XXXX XXXX XXXX in the amount of {$420.00}. I contacted them several times by phone to try to get this charge removed explaining to them that I did everything there letter stated and purchased a policy within the 45 day period. I explained to them that they are violating the Code of Federal Regulation that gives me 45 days after notification to purchase insurance and they still refused to remove the charge.

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 2024-11-15 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: CA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-11-15 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 XXXX Account Name : XXXX Account Name : XXXX XXXX  Account Name : XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX Account Name : XXXX  Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX  XXXX Account Name : 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 non-monetary relief
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On XX/XX/year>, I disputed a 30-day late payment on my Transunion credit file in the month of XXXX reported by XXXX XXXX  XXXX I provided my mortgage and bank statement for XXXX. Transunion did an investigation and determined that the information from XXXX XXXX  was correct. I disputed the information a second time with the same results. When I received the results of my second dispute, I called Transunion, and I spoke with a supervisor who removed the negative Information. The following month it was placed back on my report. I did not receive a notification that the information would be placed back on my report per the FCRA. 

I called Transunion again and the negative item was removed again then the supervisor said that if it was placed back on for the third time Transunion could not do anything and that I need to reach out to XXXX XXXX. I said to the supervisor that the CRBs are supposed to investigate disputes, he told me that Transunion only reports what the furnisher gives to them, and I quote, " Transunion does not do investigations. ''

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 2024-11-15 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: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
i notified the consumer reporting agency with multiple letters they have not fixed or removed these items from my report. I am writing to have you remove them immediately. XXXX  and XXXX  company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES :. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include. Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Delete these late payments from my consumer report, this agency is in violation of 15 USC 1681. 
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 explanation
Consumer complaint received 2024-11-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
i notified the consumer reporting agency with multiple letters they have not fixed or removed these items from my report. I am writing to have you remove them immediately. XXXX  and XXXX  company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES :. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include. Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Delete these late payments from my consumer report, this agency is in violation of 15 USC 1681. 
XXXX XXXX XXXX, XXXX XXXX, CAPITAL ONE, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
My credit report has a loan from credit acceptance with a balance of XXXX however I never applied of gave credit acceptance my credit information which is illegal and against my rights. I filed a police report and tried to get the matter situated. This is illegal and not right.

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 2024-11-15 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. 

Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX  Account Name : XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX Account Name : XXXX  Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX  XXXX Account Name : 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 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 2024-11-15 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: 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. 

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 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 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