vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I'm so stressed and very disappointed due to this events that harmed my mental health, emotional health and even put my family in distress! REMOVE THESE ACCOUNTS AS SOON AS POSSIBLE!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Well, according to Consumer Law of 15 USC code 1681a transactions and history amounts are not to be reported. Also, 15 USC code 6802 was violated I was not given and have not or ever given the option to OPT OUT of anything being added to my consumer report. Experian, XXXX and XXXX have never provided the option or fulfilled their part in letting me know what is being reported on my report. Furthermore my bank institutions have also improperly reported ( XXXX XXXXXXXX, XXXX XXXX XXXX  ) according to the Fair Credit Reporting Act and the Privacy Act of 1974, also 12CFR 1016.13, 1016.4 and 1016.5. They have never informed me of my right to exercise my disclosure option. 15 USC 1681C ( a ) ( 5 ) states, Except as authorized under subsection consumer report containing any of the following any of the following items of information and any adverse items of information, other than records of convictions of crimes this antedates the report by more that seven years. These agencies are once again reporting without my consent it is against the LAW 15 USC code 1681s-2 ( A ) ( 1 ) states " a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe the information is not correct. 15USC code 1681e also states " every consumer reporting agency shall maintain reasonable procedures designed to avoid violations section 1681b of this title " Experian, XXXX and XXXX are not complying with procedures. Also my banking institutions ( XXXX  XXXX and XXXX XXXX XXXX ) are not following procedures as well. They are offering my information to 3rd party agencies, who are not banks. Furthermore, 12CFR 1016.7 states a consumer may exercise the right to OPT OUT at anytime '' I am opting out of the reporting services. Also, whatever happen to the Fair Credit Reporting Act 15 USC 1681 section 602 which states " There is a need to insure the consumer reporting agencies exercise their grave Responsibilities with Fairness, impartially and respect for the consumer 's rights to privacy. '' O, I have the right to make sure my private information is not shared which states in 15 USC 6801, " It is in the policy of Congress each financial institution has an affirmative and continuing obligation to respect the privacy of its consumers and to protect the security and confidentiality of consumers nonpublic personal information. Absolutely, non of these credit reporting agencies have my written, implied verbal or non-verbal consent. ONCE, again, I am OPTING OUT of your reporting agencies and banking institutions.

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 2024-03-20 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: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
XXXX and SpringOak Capital continue to report and allege debt I do not owe. I did not receive any documentation or contact information for the party whom they spoke with to validate this debt. Under the Fair Credit Reporting Act this debt had to be properly validated before it was able to be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
On XX/XX/2021 I applied for a secured line of credit with XXXX XXXX XXXX put down a limit of XXXX dollars for 15 months I paid my card on time and accordingly. Unfortunately due to a string of tragic events I was unable to keep up with secured card balance. The institution XXXX XXXX then went on to place my account with months of late payments following a result of my account being labeled Charge- Off. I am aware the IRS clearly defines a Charge- Off as gross or ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account 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 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
On XX/XX/2021 I applied for a secured line of credit with XXXX XXXX I put down a limit of XXXX dollars for 15 months I paid my card on time and accordingly. Unfortunately due to a string of tragic events I was unable to keep up with secured card balance. The institution XXXX XXXX then went on to place my account with months of late payments following a result of my account being labeled Charge- Off. I am aware the IRS clearly defines a Charge- Off as gross or ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am disputing certain information in my credit file that I believe is inaccurate. In compliance with the Fair Credit Reporting Act, I kindly request your assistance in investigating and, if applicable, removing this inaccurate information from my credit report. 
Upon reviewing my credit report, I have identified negative account entries that I do not recognize and therefore dispute. I am concerned about the accuracy of these entries, as they do not reflect my credit history accurately. 

Below are the details of the item in question : Account Number : XXXX Creditor Name : XXXX XXXX XXXX XXXX for Dispute : This account is not recognized by me, and debt collector does not own a collectors license to collect in the State of Florida Account Number : XXXX Creditor Name : XXXX XXXX XXXX  Reason for Dispute : This account is not recognized by me, and debt collector does not own a collectors license to collect in the State of Florida Account Number : XXXX Creditor Name : XXXX  XXXX Reason for Dispute : This account is was paid off in full and because I have a new credit product with them it was agreed by XXXX  XXXX to delete this account to start rebuilding my credit.

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 2024-03-20 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC
State: MO

Complaint narrative:
Began " Credit Repair '' services with Lexington Lawfirm, their Premium package, for {$120.00} USD Monthly since XX/XX/2021. Downloaded their app, filled out their questionnaire on ways to repair my credit. Their reps and documents would emphasize that the repair process would take time to see any results, and I accepted this as fact blindly. I allowed the service to continue for 3 years. Over time, I'd miss other payments in order to continue paying for their repair services. Every 3 months or so, I'd see notifications of letters being sent on my behalf. I'd receive letters from the XXXX major credit unions statins how the XXXX negative items on my record are " Fair and accurate ''. I would receive XXXX correspondence from this 'Law service ' on how to improve my 'case '. Often I'd go in their app, refill out the questionnaire again like it was wiped or deleted with no indication how the attempt failed. I eventually tried different options hoping for different results, and the same process would occur - more notifications of letters being sent on my behalf, no communications as to what's happening, and letters sent to me from the bureaus stating how the information of my record was " Fair and accurate ''. Over XXXX letters were sent, over XXXX challenges sent, and none of my negative items had changed. When I would call Lexington Law to ask XXXXWhat should I be doing ' or 'what else should I be doing ', their 'paralegals ' would state that they are not authorized to give law advice on what I should do other than to take my questionnaire answers as cited. When I would ask to speak with some form of attorney, I was told I couldn't do that ( despite the name of their company giving the impression I was paying for legal representation ). 

I called Lexington Lawfirm today ( XX/XX/XXXX ) where XXXX respnded and asked how he could help. I asked him to pull up my case and to please explain a summary of my case, where it stands, and the statistics behind it. XXXX furnished the statistics cited above - over XXXX letters were sent, over XXXX challenges sent, and none of my negative items had changed. I asked again wha I should do to see progress on the case, and was met again with " I can't give law advice '', so I asked to cancel my subscription, and for compensation on XXXX results. 

XXXX cancelled my subscription and my case citing I have access to the Lexington Lawfirm app for 60 days for any files needed, and then elevated me to an attorney about my compensation. 

The attorney who answered was XXXX XXXX in XXXX, AZ. When I explained how I felt deceived by a service claiming " XXXX '' in their title and having absolutely no communication on my 'case ' on how to progress forward, I asked for at least half of my payments back given no results were achieved. She has assured that at least half of my subscription will be returned within the next XXXX business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hollins & McVay, P.A.
State: KS

Complaint narrative:
Received notice from my part time job that I had a notice of wage garnishment sent in my previous married name ( 20 years ago ). Never received anything from the company or attorney garnishing wages prior to this. Tried calling company and no one ever answered the phone. Several weeks later received an answer of garnishee from my employer showing I am active but no current wages that time frame since we are in off season for this job. I have worked my current job for over 20 years and nothing was sent there. I have no idea what this debt is for or no one to ask. I also believe the statue of limitations have run out if this is my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report.

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 2024-03-20 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:
Reviewed most recent credit report and I noticed collection account that did not belong to me. After reaching out to the creditors, I was advised they did not have a record on file of me ever applying for credit with their company. The creditor advised me to contact the CRA to have the inquiry disputed and investigated as they do not have the ability to do so. 

After contacting the CRA I was met with push-back even though I expressed the inquires in questions did not belong to me and the creditors agreed the inquiries are not attached to any file or application they have with my personal accurate information. 

Per 15 USC XXXX ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( XXXX ) Information regarding inquiries ; Except as provided in section 15 USC XXXX ( a ) ( XXXX ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

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 2024-03-20 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:
Reviewed most recent credit report and I noticed collection account that did not belong to me. After reaching out to the creditors, I was advised they did not have a record on file of me ever applying for credit with their company. The creditor advised me to contact the CRA to have the inquiry disputed and investigated as they do not have the ability to do so. 

After contacting the CRA I was met with push-back even though I expressed the inquires in questions did not belong to me and the creditors agreed the inquiries are not attached to any file or application they have with my personal accurate information. 

Per 15 USC XXXX ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( XXXX ) Information regarding inquiries ; Except as provided in section 15 USC XXXX ( a ) ( XXXX ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: MD

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAVE VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHT TO PRIVACY AND CONFIDENTIALITY UNDER 15 U.SC 1681 XXXX # XXXX 15 U.S.C 1681 SECTION 602 A : STATES THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 U.S.C 1681c SECTION 604 ( 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 INFORMATIN IS INACCURATE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 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: MD

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAVE VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHT TO PRIVACY AND CONFIDENTIALITY UNDER 15 U.SC 1681 XXXX # XXXX 15 U.S.C 1681 SECTION 602 A : STATES THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 U.S.C 1681c SECTION 604 ( 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 INFORMATIN 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 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: TX

Complaint narrative:
ACCORDANCE TO 15 USC 1681a ( 2 ) I DIDNT GIVE WRITTEN PERMISSION TO HAVE THESE FRAUDULENT HARD INQUIRIES, UNKNOWN NAMES UNKNOWN EMPLOYERS UNKNOWN ADDRESSES UNKNOWN PHONE NUMBERS TO BE FURNISHED / REPORTING ON MY CONSUMER REPORT YOU HAVE THE RESPONSIBILTY TO REPORT ACCURATE INFORMATION ON CONSUMERS REPORT PLEASE BE PROMPT IN YOUR DUTIES PLEASE DELETE IMMEDIATELY THX YOU 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 non-monetary relief
Consumer complaint received 2024-03-20 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: NJ

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX reporting charged off accounts when charge offs are considered income I do not consent to have any of my income being reported unlawfully to any third-party credit bureaus. 

Should any credit bureaus decide to not immediately remove these accounts I intend to XXXX them for damages directly for the violation of my privacy. Please see attached XXXX XXXX Form Civil Cover Sheet that I am fully prepare to process should you not honor my request.

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 2024-03-20 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: FL

Complaint narrative:
Pursuant to 18 usc 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 usc 1681 b 2 company has no permission to report anything using my info pursuant to 15 usc 1681 4 please provide copy of original documentation from following companies XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE PROVIDE ORIGINAL CONTRACT ALSO PAYMENT HISTORY & WHO WAS CONTACTED IN THOSE COMPANIES

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 2024-03-20 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: IL

Complaint narrative:
It seems FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Could you kindly review the documentation? Certain listed accounts appear to be inaccurate in their reporting.

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 2024-03-20 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: WI

Complaint narrative:
Demand for Immediate Action and Compensation for Inadequate Removal of Fraudulent Account NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT *Complaint Details : * This complaint is filed against EQUIFAX for their failure to remove a fraudulent account from my credit report, despite clear evidence and multiple disputes. This failure has resulted in unnecessary emotional discomfort and financial harm.

Company response to consumer: Closed with explanation