vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I submitted a dispute to the bureaus to remove unverifiable information. Per the FCRA 609, it states the Credit Bureaus must verify ALL information received from creditors BEFORE placing it into a consumers credit file. This means that they must have the ORIGINAL SIGNED DOCUMENT from the creditor before they can report it. They have not responded nor have they provided " verifiable '' proof beyond the scope of what was reported to them in error. The FCRA states to legally report anything the bureaus must possess the original contract. They have failed to produce this to me or respond in 30 days so I am demanding they remove the " unverified '' information.

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 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I submitted a dispute to the bureaus to remove unverifiable information. Per the FCRA 609, it states the Credit Bureaus must verify ALL information received from creditors BEFORE placing it into a consumers credit file. This means that they must have the ORIGINAL SIGNED DOCUMENT from the creditor before they can report it. They have not responded nor have they provided " verifiable '' proof beyond the scope of what was reported to them in error. The FCRA states to legally report anything the bureaus must possess the original contract. They have failed to produce this to me or respond in 30 days so I am demanding they remove the " unverified '' information.

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 2023-05-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Fuel Capital Group
State: NC

Complaint narrative:
I am getting no assistance between strike acceptance and XXXX XXXX XXXX XXXX. I was sold a car with a faulty transmission and was force to pay out of pocket for a brand new transmission ton a car I had less than 30 days. 
I asked XXXX XXXX and both strike acceptance if there is anything they could do to help out with the payment plan. I am only XXXX payment behind the first payment and that is due to being stranded in XXXX GA with a XXXX XXXX XXXX ( traveling from XXXX ) I have had to pay for multiple train rides as well as hauling services due to the lack of assistance. XXXX XXXX has had the car impounded. Strike acceptance has advised that I must pay the total of the car off to obtain the vehicle. I am a single mother who has been utterly abused and mistreated as well as I feel I was truly given the poorest customer service. I have came out almost {$2500.00} to fix the car and safely get my family back to XXXX XXXXa all for them to take it away once I finally got it back to XXXX XXXX XXXX I even visited the XXXX XXXX XXXX XXXX this day to return a rented vehicle. 

Because of this hardship I was late on my first payment for XX/XX/XXXX. I was not able to pick up my car from XXXX until XX/XX/XXXX. 
My car was towed/repossessed on XXXX. 
The bank sent a letter advising my vehicle would not be sold until XX/XX/XXXX, however sold the car back to dealership on XX/XX/XXXX. 
XXXX XXXX advised they had no idea whats was going on with the car and attempted to run my credit to place by me I. A different car. 
I explain to them that strike has advised the car was release to the dealership but XXXX kept denying this statement. ( they did not want to put me I. The same car ) after all the trout XXXX I had faced to get the car fixed. My car was not sold as is and was under warranty. We also found that the dealership did not fix the recall on the transmission before selling me the vehicle ultimately factoring into the transmission failing on me. 

This hardship has set my family back completely. I traded in a car for a lemon and feel completely robbed and scammed. 
If the dealership would have taken the responsibility of fixing the car, I could have successfully made my first payment on time. 

Because the bank went outside of the agreement via the letter ( not selling the car until XX/XX/XXXX ) they agreed to remove the trade line from my credit profile. While I do appreciate this I feel both the bank and XXXX XXXX should be held accountable for the lack of protection against the consumer as well as not allowing me the time to pay for the car before selling the vehicle. 
Also the trade line still shows on my credit after strike informed the better business bureau of deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: VA

Complaint narrative:
Filed XX/XX/2016 Reporting of Bankruptcy court # XXXX, case # XXXX ( XXXX ) Dismissed/Closed Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
The reporting of this hasnt been verified that it was furnished by the bankruptcy court system. It was actually furnished by Lexis Nexis. If within this investigation it is determined that it wasnt furnished via the properly lawfully process, which is the bankruptcy court itself, I would like to request that this reporting is removed from my credit file immediately. If not I will be forced to file for litigation in court to have this resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
This is to provide additional information from undeniable documents. Please see file attached as Equifax has responded that my request to block could not be honored without further information. THIS CLAIM IS TO PROVIDE SUPPORTING DOCUMENTATION!!! I have tried to provide said documents directly to Equifax online but was unsuccessful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
To Whom It May Concern : I recently received a copy of my credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX XXXX ) Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above-referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations.

Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature.

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 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Filed XX/XX/2016 Reporting of Bankruptcy court # XXXX, case # XXXX ( Equifax ) Dismissed/Closed Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
The reporting of this hasnt been verified that it was furnished by the bankruptcy court system. It was actually furnished by XXXX XXXX. If within this investigation it is determined that it wasnt furnished via the properly lawfully process, which is the bankruptcy court itself, I would like to request that this reporting is removed from my credit file immediately. If not I will be forced to file for litigation in court to have this resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have reached out to the involved companies through the credit bureaus, and it has been 90 days without any response. This lack of communication is concerning and disappointing, as I am only trying to resolve the issue with these accounts. The unresponsiveness from the company may be perceived as an admittance of incorrect or inaccurate information.

I demand that this unverifiable information be removed from my credit report immediately. The 90-day delay in addressing this matter is unacceptable and impacts my financial standing. I expect prompt action to resolve this issue and ensure that my credit report accurately reflects my financial history. 

CAPITAL ONE is in violation of 15 U.S.C. 1666 ( b ), which govern the timing of payments and grace periods.

Under the law, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am requesting that you take appropriate action to investigate and remove them from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, 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: TX

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 XXXX XXXX XXXX. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX. 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 supposed to modify accounts that aren'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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

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

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 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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

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 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the accuracy of the information contained in my credit report. According to the Fair Credit Reporting Act ( FCRA ), I have the right to request a thorough investigation of any disputed information on my credit report. I have recently received a copy of my credit report from Experian and have found several inaccuracies that need to be addressed. 

I have previously disputed the following accounts with Experian, but I am disappointed to find that they have not been removed from my credit report : 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 XXXXXXXX I believe that these accounts are inaccurate and XXXX be removed from my credit report under the protection of the FCRA. Furthermore, I would like to bring to your attention that the investigation conducted by the credit bureau did not meet the standard requirement as defined by the FCRA. The definition provided by law states that the investigation must be a reasonable and thorough investigation. However, the credit bureau did not conduct a thorough investigation and did not provide me with a written explanation of the steps taken during the investigation. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and ensure that the credit bureau complies with the FCRA. I also request that you provide me with a written explanation of the steps taken during your investigation and the reasons for your decision to keep these accounts on my credit report. 

Please note that I am aware of my rights under the FCRA and will take further action if necessary to ensure that my credit report is accurate and up-to-date. Please note that I am aware of my rights under the FCRA and will take further action if necessary to ensure that my credit report is accurate and up-to-date. 

Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent.

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 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

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

Account name : XXXX XXXX XXXX  Account number XXXX etc. has violated my rights. 
Account name : XXXX XXXX XXXX  Account number XXXX has violated my rights. 

Account name : XXXX Account number XXXX has violated my rights. 

Account name : XXXX XXXX  Account number XXXX has violated my rights. 

Account name : XXXX XXXX XXXX Account number XXXX has violated my rights. 

Account name : XXXX XXXX Account number XXXX has violated my rights. 

Account name : XXXX XXXX XXXX  Account number XXXX has violated my rights. 

Account name : XXXX XXXX XXXX Account number XXXX has violated my rights. 

Account name XXXX XXXX XXXX XXXX XXXX Account number XXXX has violated my rights. 

Account name : XXXXXXXX XXXX XXXX  Account number XXXX has violated my rights. 

Account name : XXXX XXXX XXXX Account number XXXX has violated my rights. 

Account name : XXXX FUNDING 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 an account without written 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 if information. Any other adverse of information, other than records of convictions of crime which antedates report by more than seven years.

15 U.SC 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 information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries.

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