vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-25 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: CO

Complaint narrative:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 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: 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. This is XXXX 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 2024-12-25 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: GA

Complaint narrative:
I have been disputing inaccuracies on my credit reports caused by XXXX XXXX fraudulent and defamatory reporting of delinquencies on accounts ending in XXXX and XXXX. Between XX/XX/year>, and XX/XX/year>, I sent multiple certified letters requesting debt validation as required under federal law, yet XXXX XXXX failed to respond, instead claiming they were not collecting a debt while continuing to report delinquencies. I spoke with XXXX, Employee ID # XXXX, who admitted that higher-level executives at XXXX XXXX explicitly stated they would not address or correct these issues. Despite this, XXXX, XXXX, and TransUnion allowed the fraudulent delinquencies to remain on my reports, neglecting their legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct reasonable investigations and ensure accurate reporting. Furthermore, these credit reporting agencies unlawfully sold my personal information to third parties without my consent, compounding the harm to my creditworthiness, financial stability, and reputation.

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 2024-12-25 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: 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. 

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 seven years. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-25 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: 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. 

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 seven years. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Hello! On XX/XX/XXXX Certified dispute sent to Equifax. On XX/XX/XXXX received notification Equifax signed for mail. Received Letter in the mail on XXXX/XXXX letter dated for XX/XX/XXXX that Equifax is unable to verify me therefore causing a delay and stall tactic that Equifax purposely mails the consumer back stating we can not identify the individual. I have provided proof that Equifax uses this stall tactic to prolong and delay their dispute status. I have provided the letter received on XX/XX/XXXX dated for XX/XX/XXXX, and my last dispute dated for XXXX which advise we can not verify you. I find very difficult that Equifax can not verify my identity when they sell, share, and house my data without written consent or provide proof on demand of the alledged items Equifax reports. Once again I have provided the requested documents so that we can avoid any further delays with the dispute process. I provided the requested items again for you to verify my identity and my original dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
The scammer called me from a XXXX XXXX number ( XXXX ) XXXX afternoon on XX/XX/XXXX pretending to be XXXX XXXX Police. They said that I had missed jury duty and that they had a warrant for my arrest. The said that this was a courtesy call and to turn the criminal resolution into a civil one, I would need to post {$1000.00} in collateral. They told me to send verifying documents to XXXX and XXXX them at XXXX, which was listed on XXXX under the name 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 2024-12-25 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: SC

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX XXXX I do not have an account with XXXX XXXXXXXX XXXX XXXX I was never provided with any contract! This is a violation of the fair credit reporting act please remove immediately or else I will seek XXXX XXXX of {$1000.00} for each violation.

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 2024-12-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: World Acceptance Corporation
State: IN

Complaint narrative:
Co signed for a car for my son through XXXX XXXX in XXXX XXXX Indiana the car was repossessed in XXXX I agreeded to make payments of {$170.00} a month from my account, in XXXX of XXXX I asked for a payoff amouunt and found out the loan was transfered to World Acceptance with a payoff of {$2800.00} which I paid through my bank XXXX via transfer of the total amount of {$2800.00}, OnXXXX XX/XX/XXXX World Acceptance debited my bank again for {$2900.00}, this money has been paid in full to World Acceptance and there is no reason why they should have debited my account for any unpaid amounts, they have been in full but has never given any documents to show payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 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: 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.

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 seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-25 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: VA

Complaint narrative:
ATTN : Equifax Consumer Dispute Department I have attached this statement to the letters I am sending your company as verification that I am who I state I am, and that I have attached my photo ID and Proof of Address to this letter verifying my identity. 
l am aware of your company sending out a response letter asking for verification and authorization of who is sending my letters, maybe as a way to dissuade me to challenge the inaccurate and incomplete information being reported on my credit report by you. 
l am fully aware of which accounts are being challenged XXXX my letters and I know l have the right to have them investigated, so please do not attempt to violate my consumer rights with response letter such as the kind I have received in the mail. 
Please investigate the account i have in my letters accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 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: NY

Complaint narrative:
Upon reviewing my consumer reports I discovered some instances of late payments on I always maintain timely payments consumer reporting agencies play a crucial role please in accurately reporting consumer complaints information its imperative that this information be reported with utmost accuracy I have never missed payment on this account. 
Is that from XXXX  XXXX auto loan And XXXXXXXX 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 2024-12-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

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 2024-12-25 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: SC

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-25 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: PA

Complaint narrative:
im complaining about Lexington Law credit repair I was with them from XXXX to XXXX to repair my credit but they didn't fixed my issue so I need them to reinbouse me back with the new settlement also I'm willing to prove I was one of their customer thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I bought an American Express gift card from XXXX for XXXX dollars plus the fee Then tried to make a purchase online and the company said they froze the gift card because that thought the purchase was fraud, which it wasn't .... It was a hotel purchase as I was in vacation. So I called them and this is where the nightmare started the number I called was XXXX they said they froze the card and they would send me a replacement which never came 3 weeks later oh and they said it would come between five and seven days three weeks later I called them back and said I never received it and they said I have to send in a bill with my name and address so I did that as well and still never received my card and every time I call them they give me the runaround and say that there's a process first they said they shipped it several times and the card never came to the new address And they told me that it could take up for a month for them to review the documents to ship out the new card this is fraud and they're trying to steal the money. Someone please help! XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-25 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ACIMA CREDIT, LLC
State: PA

Complaint narrative:
Charge off 's and or write off 's are written to the company as a profit loss this way the company gets a tax BREAK. The company is supposed to issue a 1099-C for this charge off & I never received one. This debt is still reporting I owe a balance even though the company took a tax BREAK for reporting it to my credit profile as a a charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 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: DC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened at XXXX  XXXX on XX/XX/XXXX Account number ( XXXX ) an personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) a personal loan opened at XXXX on XX/XX/XXXX Account number ( XXXX ) an revolving Opened at XXXX XXXX  on XX/XX/XXXX Account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 2024-12-25 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:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my right 15 U.S.C 1681 section 602 A States I Have the right to privacy 15 U.S.C 1681 section 604A Section 2 It also states a consumer reporting angency can not furnish a account without my written instructions

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 2024-12-25 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: WA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-25 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: VA

Complaint narrative:
ATTN : Equifax Consumer Dispute Department I have attached this statement to the letters I am sending your company as verification that I am who I state I am, and that I have attached my photo ID and Proof of Address to this letter verifying my identity.

l am aware of your company sending out a response letter asking for verification and authorization of who is sending my letters, maybe as a way to dissuade me to challenge the inaccurate and incomplete information being reported on my credit report by you. 
l am fully aware of which accounts are being challenged XXXX my letters and I know l have the right to have them investigated, so please do not attempt to violate my consumer rights with response letter such as the kind I have received in the mail. 
Please investigate the account i have in my letters accordingly.

Company response to consumer: Closed with non-monetary relief