vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-19 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: GA

Complaint narrative:
I am writing to file a formal complaint regarding the multiple unsuccessful attempts to correct the late open status and remove the charge-off account from my credit report. Despite numerous requests and providing extensive documentation to support my claims, the erroneous information persists on my credit report, causing significant harm to my financial standing and reputation. 

I first reported the inaccuracies in my credit report and have since made several subsequent attempts to rectify the situation. However, despite my efforts and the submission of supporting evidence, including [ list any supporting documents, such as payment receipts, correspondence with the creditor, the late open and charge-off accountS continue to tarnish my credit history. 

The presence of these inaccuracies not only undermines my financial credibility but also affects my ability to access credit and financial services on fair terms. Moreover, the repeated failure to address my dispute suggests a systemic failure within your organization to handle consumer complaints effectively and efficiently. 

I urge you to take immediate action to correct the inaccuracies in my credit report and remove the late open and charge-off account without further delay. Specifically, I request that you : Conduct a thorough review of my dispute and the supporting documentation provided. 
Rectify the late open status and remove the charge-off account from my credit report promptly. 
Provide me with written confirmation once the inaccuracies have been corrected. 
Implement measures to prevent similar errors from occurring in the future and improve the dispute resolution process to ensure timely and accurate resolution of consumer disputes. 
I expect a prompt and satisfactory resolution to this matter. Failure to address this issue promptly will compel me to escalate my complaint to higher authorities and explore legal remedies to protect my rights and interests under the Fair Credit Reporting Act. I am asking for your assisstance to remove or correct these accounts in my credit file : XXXX XXXX XXXX XXXX : {$4500.00} Date Opened : XX/XX/2020 - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

XXXX XXXX XXXX XXXX : {$0.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.

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 2024-02-19 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to file a formal complaint regarding the multiple unsuccessful attempts to correct the late open status and remove the charge-off account from my credit report. Despite numerous requests and providing extensive documentation to support my claims, the erroneous information persists on my credit report, causing significant harm to my financial standing and reputation. 

I first reported the inaccuracies in my credit report and have since made several subsequent attempts to rectify the situation. However, despite my efforts and the submission of supporting evidence, including [ list any supporting documents, such as payment receipts, correspondence with the creditor, the late open and charge-off accountS continue to tarnish my credit history. 

The presence of these inaccuracies not only undermines my financial credibility but also affects my ability to access credit and financial services on fair terms. Moreover, the repeated failure to address my dispute suggests a systemic failure within your organization to handle consumer complaints effectively and efficiently. 

I urge you to take immediate action to correct the inaccuracies in my credit report and remove the late open and charge-off account without further delay. Specifically, I request that you : Conduct a thorough review of my dispute and the supporting documentation provided. 
Rectify the late open status and remove the charge-off account from my credit report promptly. 
Provide me with written confirmation once the inaccuracies have been corrected. 
Implement measures to prevent similar errors from occurring in the future and improve the dispute resolution process to ensure timely and accurate resolution of consumer disputes. 
I expect a prompt and satisfactory resolution to this matter. Failure to address this issue promptly will compel me to escalate my complaint to higher authorities and explore legal remedies to protect my rights and interests under the Fair Credit Reporting Act. I am asking for your assisstance to remove or correct these accounts in my credit file : XXXX XXXX XXXX XXXX : {$4500.00} Date Opened : XX/XX/2020 - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

XXXX XXXX XXXX XXXX : {$0.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 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: NC

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 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: TX

Complaint narrative:
XXXX ( the creditor ) is reporting incorrect information on my credit report which is negatively impacting my credit score. XXXX had my account as a charge off since XX/XX/year> but yet hasnt send me a 1099c, due to this, this is misusing because the IRS describes a charge off as ordinary income which is incorrect in this instant and is violation of code 15usc 1681eb

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Prepaid card — Government benefit card
Issue: Advertising — Confusing or misleading advertising about the card
Company: U.S. BANCORP
State: CO

Complaint narrative:
I was offered this US Bank ReliaCard for my FAMILY MEDICAL EMERGENCY LEAVE INSURANCE due to medical leave from my GOVERNMENT JOB. It was advertised as a debit card. It is not a debit card. The card rejects most all purchases, merchants reject the card because it is a prepaid card. The US Bank ReliaCard customer service line registers me as a user but says the security code from the back of the card provided is incorrect when it is not. Not incorrect. Really taking advantage of vulnerable people in need. How am i supposed to pay my rent? Get groceries? I WORK FOR THE STATE OF COLORADO SERVING THE COMMUNITY. THIS IS WHAT I GET FOR BEING ON A SERIOUS MEDICAL LEAVE.

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 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.

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 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have loans on my credit bureau files and its show that XXXX XXXX accounts are not in good standing. Per the government repayment program due to my income I am in repayment status so my payments monthly funtil next year are XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-19 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: Crown Holdings, LLC
State: MO

Complaint narrative:
Subject : Urgent Notice Regarding Unlawful Credit Reporting - Missouri FCRA and Identity Theft Fraud Laws Referenced Dear DAY KNIGHT, I am compelled to address a grave violation concerning the unauthorized dissemination of my personal credit information to reporting agencies, a clear breach of the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as the Missouri Identity Theft Prevention Act, specifically 570.223. 

It has come to my immediate attention that DAY KNIGHT, Account Number : XXXX, has engaged in such unauthorized reporting without procuring my explicit consent. It is imperative to underscore that under federal law, as delineated in the FCRA, the consumer 's consent is an absolute prerequisite for any such reporting activity pursuant to Section 1681b ( a ) ( 2 ).

Furthermore, Missouri state law, particularly the Missouri Identity Theft Prevention Act, underscores the gravity of unauthorized access and misuse of personal information, emphasizing the necessity of explicit consumer consent. 

I wish to unequivocally affirm that I have not provided consent for DAY KNIGHT, Account Number : XXXX, to disseminate any information to my credit report. This flagrant absence of explicit permission constitutes a severe violation of my rights, potentially compromising my creditworthiness and displaying a blatant disregard for federal and state laws. 

I demand, with the utmost urgency, that DAY KNIGHT, Account Number : XXXX, immediately cease any further dissemination of my personal credit information to reporting agencies without procuring my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and the Missouri Identity Theft Prevention Act. Failure to comply within the stipulated 30-day timeframe will be construed as deliberate noncompliance, subject to penalties under applicable laws, including identity theft fraud laws. 

It is imperative to understand that procuring consent is not a discretionary action but a legal obligation under these specific provisions of the FCRA, Missouri state law, and identity theft fraud statutes. This is not a negotiable matter ; it is a directive for adherence to both federal and state regulations, safeguarding consumers like myself from unauthorized and injurious credit reporting practices. 

I anticipate your immediate attention to this matter and trust that DAY KNIGHT, Account Number : XXXX, will expeditiously rectify these egregious violations, upholding my rights under federal and state laws. 

Sincerely,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 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: MO

Complaint narrative:
In accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, ( XXXX XXXX XXXXXXXX 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. 15 USC 1681Section 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( 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. Lastly, 15 USC 1681 s-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 in accurate. I'm requesting that the accounts above be deleted immediately.

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 2024-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I am writing to dispute the presence of fraudulent accounts on my credit report despite confirmation from associated banks and valid identity theft documentation. The banks have assured over the phone to remove these accounts, yet they persist, indicating a failure to comply with the law. 
Account Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.

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 2024-02-19 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 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: GA

Complaint narrative:
I am writing to file a formal complaint regarding the presence of fraudulent items on my credit report and to request their immediate removal. These fraudulent items are tarnishing my credit history and causing undue harm to my financial standing. 

Upon reviewing my credit report, I discovered several unauthorized and fraudulent entries, including [ describe the fraudulent items in detail, such as unauthorized accounts, inaccurate information, etc. I can assure you that I did not initiate or authorize any of these transactions, and they are therefore fraudulent and erroneous. 

I have previously submitted disputes regarding these fraudulent items on [ dates of previous disputes ], providing supporting documentation, including any supporting documents. However, despite my efforts, the fraudulent items persist on my credit report. 

The continued presence of these fraudulent entries not only damages my creditworthiness but also undermines my ability to access credit and financial services on fair terms. Additionally, the failure to promptly address and remove these items suggests a lapse in your organization 's responsibility to ensure the accuracy of consumer credit reports. 

Therefore, I urgently request that you take immediate action to remove all fraudulent items from my credit report. Specifically, I request that you : Conduct a thorough investigation into the fraudulent items in question. 
Remove the fraudulent items from my credit report without further delay. 
Provide me with written confirmation once the fraudulent items have been successfully removed. 
Implement measures to prevent similar fraudulent entries from appearing on credit reports in the future, including enhancing security protocols and verification procedures. 
I expect a prompt and satisfactory resolution to this matter. Failure to address this issue promptly will leave me with no choice but to escalate my complaint to higher authorities and seek legal remedies to protect my rights under the Fair Credit Reporting Act. I am asking for your assisstance to remove these fraud items in my credit file : 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

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 2024-02-19 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: Self Financial Inc.
State: NJ

Complaint narrative:
Self Financial *** is in clear violation of the law for contacting a third party or credit reporting agency with my nonpublic personal information without my written authorization in a consumer agreement to report such information to a third party as per 15USC 1681 ( B ). They were sent a notice of their violation by me on ( XXXX ) in which, I included below. I received a copy of my Credit Report and noticed 2 LATE PAYMENTS on a secured card account XXXX furnished to my XXXX and XXXX credit reports on ( XX/XX/XXXX & XX/XX/XXXX ) and 1 Paid & closed update on XX/XX/XXXX. According to 15USC 1666 ( b ) creditors can not report a LATE PAYMENT unless they mailed a notice received by the consumer containing information from 15USC 1637 ( B ), 21 days before the late transaction was reported. Self Financial *** is unable to provide each statement sent out 21 days before each late transaction was furnished, along with the consumer agreement, where I gave them written authorization to take such action. According to 15 USC 1681 ( 2 ) ( a ) ( i ) ; EXCLUSIONS FROM A CONSUMER REPORT states how LATE TRANSACTIONS are illegal and excluded from my consumer report which means any transactional history to any person, LATE OR NOT, is not supposed to be furnished, for it is nonpublic information that doesnt get reported. Their violations of Congress and my consumer rights demand removal of both late accounts they furnished to the third parties or consumer reporting agencies XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.

Company response to consumer: Closed with explanation