vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
There are numerous instances of disobedience with mandated reporting criteria, thus the information in my report isn't accurate and comprehensive! Having said that, I dispute your claims and challenge you to show me that you have the authority to publish this inaccurate, misleading information to my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Provide truthful information about accounts or other connections with a customer. 
Provide accurate information about accounts or other interactions you have with customers.

C - Look at consumer complaints in a reasonable manner According to CRRG, you have to adhere to the Metro 2 compliance guidelines in order to file a legitimate report.

Furthermore, " Any Deviation From These Standards Jeopardizes The Integrity of The Data, '' according to the CRRG. This implies that discrepancies in reporting claims have the potential to reduce information accuracy and have an impact on the accuracy of reports that are subject to federal regulation.

I'm using my right to object to these erroneous and non-compliant items as a consequence. You will only demonstrate your lack of concern for my rights as a customer if you ignore my demand. Reporting information that hasn't been verified as ethical and compliant with certified reporting standards isn't fair. Once more, I contest these assertions and demand documentation of the appropriate reporting guidelines. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 
XXXX XXXX Late Payment {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Collection {$890.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX Collection {$630.00} XXXX XXXX Charge-off {$5500.00} XXXX XXXX Charge-off {$140.00} XXXX XXXX XXXX Charge-off {$30000.00} XXXX XXXX  | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX | XX/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 non-monetary relief
Consumer complaint received 2023-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX  Date of Inquiry XX/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 2023-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim f this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

XXXX XXXX XXXX account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts :. 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 suppose to modify accounts that isn't reporting correctly.

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 XXXX 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 11. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 13. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX. XXXX, XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my 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 explanation
Consumer complaint received 2023-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have been disputing with Equifax, XXXX, XXXX and other creditors since XX/XX/2023 and I have not been able to get them to comply with my disputes. I disputed my personal information, late payments, collections, derogatory marks and accounts that have been charged off. Which are all inaccurate, misleading and misreporting on my consumer report. This is also against my rights as a consumer. They never asked for my permission to report all these things in writing nor verbally. On XX/XX/2023 I found out my information was breeched! I am very upset, disappointed and I demand a remedy! I have spent numerous amounts of monies and time disputing these misleading, misreporting and inaccurate information on my consumer report. 



This is messing with my mode of living, my general reputation and my children 's future as well. THESE CORPORATIONS AND FINANCIAL INSTITUTIONS ARE IN CLEAR VIOLATION OF CONGRESS FEDERAL LAWS. I want any and all negative items ; Old/outdated addresses, late payments, collections and inquires, reporting on my Equifax consumer reported DELTED immediately. In addition, I am requesting a compensation amount of {$5000.00} because my information was breeched! If needed I will take legal actions necessary to heal the damages done to me by Equifax, XXXX, XXXX and the other creditors ( Financial Institutions ). 



I have also sent a copy of my consumer reports with every single inaccuracy, misleading and misreporting account highlighted in either pink or orange specifying every single error in my consumer report. 



IF NEEDED I WILL TAKE LEGAL ACTIONS NECESSARY TO HEAL THE DAMAGES DONE TO ME BY EQUIFAX, XXXX, XXXX AND OTHER CREDITORS ( FINANCIAL INSTITUTIONS ) FOR USING, SHARING, BUYING, SELLING, TRADING AND ALSO FOR FAILLING TO PROTECT MY NONPUBLIC PERSONAL INFORMATION ( 15 USC & 6801 ).

an updated consumer report with inaccuracies removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I am filing this complaint to TRANSWORLD SYSTEM INC for allowing fraudulent account on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate account is reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-11-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CLGF Holdco 1, LLC
State: CT

Complaint narrative:
I didn't apply for a card, and I have a hard inquiry on my credit report. Fraud alert

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 3. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX  XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 4. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 5. This is Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15USC 1692 ( g ) account legally paid in full but still showing that I have latepyment on this specific account FDCPA Section 807 Violation Mislead XXXX XXXX Account Number : XXXX Failure to comply with data privacy law is your violation of my rights delete these accounts immediately 6. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 7. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 10. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX  XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 11. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my 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 explanation
Consumer complaint received 2023-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My information was sold and bought illegally because I was a victim of the Equifax data breach, I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete all illegal items and accounts from my credit reports. I am currently locked out of my Equifax account and currently can not list items.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: SoLo Funds Inc.
State: FL

Complaint narrative:
I have had a loan with solo funds since XX/XX/XXXX. I had fallen through some tough times. Which caused me to be unable to pay back. I have had loans in the past with solo funds this is the first one I have missed. In XX/XX/XXXX XXXX my account with solo funds was transferred to XXXX a debt collector. I went ahead and I was put on a payment plan of {$62.00} with the another debit card I had on file starting XX/XX/XXXX. I thought I was on the right track. I called XXXX just to see what my balance was and I was told that my balance was the same and no payments were being taken out. I checked with solo funds because i when I logged in to XXXX it said I have XXXX outstanding balances. I only have XXXX account with solo funds. So I spoke with an agent named XXXX and she told me she will forward my information to my recovery team. Today XX/XX/XXXX I received an email from solo funds recovery team. Asking if I can settle the loan of {$690.00} into XXXX payments and in order to be placed in a repayment plan an upfront payment of {$340.00} must be made immediately and I was told that collections efforts will continue that auto debits. Payment reminders via calls texts and email will continue until received. I responded back explaining my hardship. That my bank was overdrawn and Im working on getting back on track and I had spoken to my employer about getting more hours and asked for emails to be ceased until I get my bank account straightened out. I received a response that all collection efforts will continue until the lender receives his money back. I feel like Im being harassed and intimidated This has been a rough year for me and I am making an effort to get back on track financially. All I ask for the the emails calls and texts to cease and when I have enough funds that I will reach out to settle this matter. I am on a fixed income and Im barely making it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
There are numerous instances of disobedience with mandated reporting criteria, thus the information in my report isn't accurate and comprehensive! Having said that, I dispute your claims and challenge you to show me that you have the authority to publish this inaccurate, misleading information to my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Provide truthful information about accounts or other connections with a customer.

Provide accurate information about accounts or other interactions you have with customers.

C - Look at consumer complaints in a reasonable manner According to CRRG, you have to adhere to the Metro 2 compliance guidelines in order to file a legitimate report.

Furthermore, " Any Deviation From These Standards Jeopardizes The Integrity of The Data, '' according to the CRRG. This implies that discrepancies in reporting claims have the potential to reduce information accuracy and have an impact on the accuracy of reports that are subject to federal regulation.

I'm using my right to object to these erroneous and non-compliant items as a consequence. You will only demonstrate your lack of concern for my rights as a customer if you ignore my demand. Reporting information that hasn't been verified as ethical and compliant with certified reporting standards isn't fair. Once more, I contest these assertions and demand documentation of the appropriate reporting guidelines.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 
XXXX XXXX Late Payment {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX ) XXXX Collection {$890.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX Collection {$630.00} XXXX  XXXX Charge-off {$5500.00} XXXX XXXX Charge-off {$140.00} XXXX XXXX XXXX XXXX {$30000.00} XXXX XXXX  | XX/XX/XXXX XXXX XXXX XXXX  | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief