vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-06 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am writing to request assistance regarding an issue with multiple credit inquiries that were improperly listed on my credit report. On XX/XX/XXXX, I visited XXXX XXXX XXXX to apply for a single auto loan, and I was assured that my credit would only be checked once. However, I discovered that my credit was run eight times over three consecutive days : XX/XX/XXXX, and XXXX, XXXX. 

In addition, the dealership had me drive XXXX hours after confirming the exact amount I would pay since my credit was ran at another location one time and said they could use this - I got there and it was more than 2.5 times the amount - the manager tried to bully me into agreeing to this amount and when I did not he without my authorization ran my credit 8 more times after I stated I needed to purchase a home soon and did not want it ran more than the one time I agreed to. I am now struggling to get my credit up to purchase a home. 

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  Truist XXXX XXXX XXXX XXXX XXXX XXXXXXXX These multiple inquiries were conducted without my authorization and have negatively impacted my credit score. I understand that multiple inquiries for an auto loan within a short period are typically treated as a single inquiry, but in this case, I did not consent to such numerous checks. I have contacted the credit reporting companies and the companies that ran my credit as well as the dealership with no luck so request the removal of these unauthorized inquiries, but I am seeking your assistance to ensure this matter is resolved promptly and my credit report is corrected. Thank you for your attention to this issue.

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 2024-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I do not have anything showing on my credit report as me having an unpaid debt. But I keep getting calls from what looks like to be a company called Portfolio Recovery. They use different numbers and call me multiple times a day, everyday. Theyll leave a message once in a while, saying that they are calling for debt collection. I should not have anything in collections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-06 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:
I make my payments on time, every time. Im sure of that. What confuses me is why this company reports late payments for some months. USC 1666b requires that billing mistakes be corrected and marked as paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 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. 

XXXX, Account Number : XXXX, XXXX, Account Number : XXXX, XXXX XXXX  Account Number : XXXX, XXXX, Account Number 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 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 items 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 2024-06-06 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, Account Number : XXXX, XXXX, Account Number : XXXX, XXXX XXXX, Account Number XXXX XXXX, XXXX, Account Number 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 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 items 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
Consumer complaint received 2024-06-06 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: MI

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Upon careful review and investigation, as per FTC Report Number : XXXX. I noticed fraudulent and unauthorized accounts listed on my credit report file and filed for Identity Theft. I requested for all listed accounts below be deleted and removed from all three of my credit report files : Experian, XXXX, and XXXX, however, accounts are still being furnished inaccurately. Now, according to the Fair Credit Reporting Act-FCRA codes : 15 USC 1681 ( c ), 15 USC 1692 ( g ), 15 USC 1666 , 15 USC 1681 ( b ), 15 USC 1601, 15 USC 1681 ( 4 ), 15 USC 1681-623 ( a ), 15 USC 1681-604 ( a ), the list of accounts below has violated my federally protected consumer rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, United States Department of Education-EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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. In addition, I have sent several disputes requesting the deletion and removal of these items but I do not know why the accounts listed above are continuously being updated and not permanently deleted/removed from all three credit bureaus files ; Experian, XXXX, and 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 2024-06-06 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:
I am writing to regarding the persistent presence of fraudulent items on my credit file despite my numerous attempts to have them removed. Despite several efforts and the submission of substantial documentation to support my claims, these fraudulent items continue to negatively impact my financial standing and credibility. The ongoing presence of these inaccuracies is not only frustrating but also detrimental to my financial well-being. It is imperative that immediate action is taken to rectify this situation. I expect a comprehensive investigation into why these fraudulent items persist on my credit report despite multiple requests for their removal. Furthermore, I demand transparency regarding the steps being taken to address this issue and a clear timeline for its resolution. Also, I request compensation for the considerable inconvenience, stress, and potential financial harm caused by the presence of these fraudulent items on my credit report. They have significantly impacted my ability to access credit, secure favorable loan terms, and pursue other financial opportunities necessary for my financial stability. The following items should be remove as soon as possible : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$9000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$720.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX : {$9000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$720.00} XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX Balance XXXX {$0.00} XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX 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 explanation
Consumer complaint received 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
NATIONAL CREDIT ADJUST - Account type : Debt Buyer - Original creditor : XXXX Comments from previous dispute : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) Debt was sold to a collection agency, in who I don't know or that I never made an agreement with them. Furthermore, the original creditor has broken California law ( please see attached ). The loans from the original creditor were in amounts of {$2600.00} with over allowed interest rates in the year XXXX. In the matter brought to a court in the state of California, there is a false representation on the amount of debt owed, which is a violation of the FDCPA regulations. 

With National Credit Adjust - under 15 U.S. Code 1692g - Validation of debts - I have never received any correspondence from this company. I have disputed the debt through the credit bureaus and did not receive : Within five days of contacting a debtor, the debt collector must send a written validation notice that includes : 1 ) How much money the debtor owes 2 ) The name of the creditor to whom the debt is owed 3 ) Notice that they have 30 days to dispute the debt and what to do - A tear-off portion to use as a dispute form. 

I also did not give any of the credit bureaus to use my information for creditors to contact me. 15 U.S. Code 1681b. Under 15 U.S. Code 6802, my information should not have been given to a 3rd party either. I was not given the opportunity to opt out of communication with National Credit Adjusters, which is also illegal. 

I have been notified by my ex-wife, friends and some family that they have recently been contacted by representatives that are trying to reach me in regards to this debt. This is another clear violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX - Account type : Debt Buyer - Original creditor : XXXX Comments from previous dispute : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) Debt was sold to a collection agency, in who I don't know or that I never made an agreement with them. Furthermore, the original creditor has broken California law ( please see attached ). The loans from the original creditor were in amounts of {$2600.00} with over allowed interest rates in the year 2018. In the matter brought to a court in the state of California, there is a false representation on the amount of debt owed, which is a violation of the FDCPA regulations. 

With XXXX XXXX XXXX - under 15 U.S. Code 1692g - Validation of debts - I have never received any correspondence from this company. I have disputed the debt through the credit bureaus and did not receive : Within five days of contacting a debtor, the debt collector must send a written validation notice that includes : 1 ) How much money the debtor owes 2 ) The name of the creditor to whom the debt is owed 3 ) Notice that they have 30 days to dispute the debt and what to do - A tear-off portion to use as a dispute form. 

I also did not give any of the credit bureaus to use my information for creditors to contact me. 15 U.S. Code 1681b. Under 15 U.S. Code 6802, my information should not have been given to a 3rd party either. I was not given the opportunity to opt out of communication with XXXX XXXX XXXX, which is also illegal. 

I have been notified by my ex-wife, friends and some family that they have recently been contacted by representatives that are trying to reach me in regards to this debt. This is another clear violation of the FDCPA.

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 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
Account included in bankruptcy- the customer service rep stated they TD Bank systems do not talk to each other - fees were assessed during bankruptcy why the information was not posted to both systems. Payoff given of {$420.00} XXXX payment. Received next day - as of today it has not been posted. No one will return a call or update the file

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: MI

Complaint narrative:
On XX/XX/year> my credit scores dropped drastically due to a debt collection in the amount of {$7500.00} issued by XXXX XXXX XXXX. I never once had XXXX XXXX XXXX for any of their services. I called XXXX XXXX XXXX and spent hours on the phone with them and got nowhere because I had no account info as I had never had made an account to begin with. The debt collection agency is Credence Research Management, whom have a 1 star rating on XXXX due to stories similar to mine. I did not connect the debt collection agency in order to preserve my information. I called the credit bureau 's and refuted the collection the day it came in and voiced my frustration with the impact this has done to my credit. The debt collection agency never reached out to me, and now I seek to correct the situation and restore my credit status as I have been negatively impacted by an account I never made and considered late in payments for an account that is fake and not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-06 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: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The TRANSUNION credit bureaus must validate This account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$16000.00}

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 2024-06-06 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I show a bankruptcy on my credit report. I contacted the court and they said they didn't furnish any information to the bureaus. It is clear they do not report to you or any credit bureau for that matter ; therefore the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-06 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: LEXISNEXIS
State: CA

Complaint narrative:
I show a bankruptcy on my credit report. I contacted the court and they said they didn't furnish any information to the bureaus. It is clear they do not report to you or any credit bureau for that matter ; therefore the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 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: MS

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Upon my submission of a re-investigation of Account : XXXX XXXX XXXX XXXX XXXX XXXXXXXX with Experian, it was determined that this account has been falsely manipulating my credit worthiness and in it's inaccuracies. I reached to the agency in writing, via certied mail and have yet to be contacted and /or received any response pertaining to this issue. According to the FCRA, 512.290 Timely error notice and reconsideration review process. ( 1 ) Unless a timely error notice is received byCMSwithin 45daysof the date of issuance of areconciliation report, thereconciliation paymentorrepayment amountdetermination specified in thatreconciliation reportis deemed binding and not subject to further review. 

( 2 ) IfCMSreceives a timely error notice, thenCMSresponds in writing within 30dayseither to confirm that there was an error in the calculation or to verify that the calculation is correct.CMSmay extend the deadline for its response upon written notice to theRO participant. 

( 3 ) Only theRO participantmay use the timely error notice process described in this paragraph and the reconsideration review process described inparagraph ( b ) of this section. 
This is a direct violation of my consumer rights and I ask that this account please 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