vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-14 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: IN

Complaint narrative:
have tried to dispute these problems but no result has been given other than the run around. will not process my complaint and this is hindering my livelihood

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 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-14 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: CA

Complaint narrative:
Someone used my social security information to secure loans and products from XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fraudulently. I submitted XXXX  police reports six times 6X 's to the agencies and Major XXXX credit reporting bureaus, XXXX, XXXX and TransUnion with Notarized Affidavits sent certified postal service that continue to not be unacknowledged and acted upon.

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 2024-04-14 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: CA

Complaint narrative:
Someone used my social security information to secure loans and products from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  fraudulently. I submitted XXXX police reports six times 6X 's to the agencies and Major 3 credit reporting bureaus, XXXX, Equifax and XXXX with Notarized Affidavits sent certified postal service that continue to not be unacknowledged and acted upon.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-14 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Someone used my social security information to secure loans and products from XXXX XXXXXXXX for XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX for XXXX fraudulently. I submitted XXXX police reports six times 6X 's to the agencies and Major 3 credit reporting bureaus, Experian, XXXX and XXXX with Notarized Affidavits sent certified postal service that continue to not be unacknowledged and acted upon.

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 2024-04-14 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:
Subject : Dispute of Incorrect Late Payment Reporting and Request for Removal I am writing to dispute incorrect late payment entries reported on my credit report by XXXX XXXX XXXX. I have attached copies of a congratulatory letter from XXXX XXXX XXXX and the title of the vehicle, both confirming that my account has been paid in full. Despite these clear indications that my financial obligations have been met, these erroneous entries have been reported, causing significant harm to my credit score and my overall financial health. 
This incorrect information is a direct violation of my rights under the Privacy Act of 1974 ( 5 U.S. Code 552a ), which safeguards against the unauthorized use of personal data. Furthermore, I am exercising my right to opt out of any further reporting by XXXX XXXX XXXX, as stipulated under 12 CFR 1016.1 ( a ) ( 1 ) ( 2 ) ( 3 ). It is also noteworthy to mention that I was never provided with an initial privacy notice by XXXX XXXX XXXX, required under 12 CFR 1016.4 ( 1 ) ( 2 ), which mandates explicit authorization before disclosing any nonpublic personal information to nonaffiliated third parties. 
Given these violations, I am requesting the immediate removal of the reported late payments from my credit profile. Additionally, I am asking for a fine of {$1000.00} to be imposed for each violation of my consumer rights, as these errors have unjustly damaged my credit and personal reputation. 
Please find attached the relevant documents, including the payoff letter and vehicle title, to substantiate my claims. I expect a response within 30 days confirming that these corrections have been made to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-14 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
My Macy 's credit card profile was changed. My mailing address was changed without my permission. The fraudulent address was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL 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 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
n accordance with the fair credit reporting act.The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX. XXXX XXXX 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 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 moreover 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 2024-04-14 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:
n accordance with the fair credit reporting act.The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX. XXXX XXXX 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 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 moreover 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 2024-04-14 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:
accordance with the fair credit reporting act.The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. XXXX XXXX XXXX # 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 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 moreover 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 explanation
Consumer complaint received 2024-04-14 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: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate : Account Name : XXXX Account Number : 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 2024-04-15 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I sent the credit bureaus letters asking them to verify the debt on my report. They have sent it back stating that everything is verified correctly. My credit report are still showing inaccuracies ' also stated to them that i never opened any of these accounts not only but also i let them know i was incarcerated at the time these accounts were opened. 15 U.S. C 16815-2 ( 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. LVNV FUNDING LLC Date Opened XX/XX/2022 Balance {$780.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-14 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: ONLINE Information Services, Inc.
State: IL

Complaint narrative:
I pulled my consumer reports around XXXX of 2023 and I notice it was errors on my XXXX, XXXX and XXXX reports. I sent a dispute to the creditor ONLINE INFORMATION SERV XXXX and they receive my letter XXXX. I will attach Exhibit 1 showing when I sent the dispute. Exhibit 2 will show when they received the dispute letter. I waited well over the 30 days allotted by law. This is a direct violation 15 USC 1681i. Subject to subsection ( f ) and except as provided in section ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Exhibit 3 is the letter I sent to ONLINE INFORMATION SERV. Today I'm sending out another dispute letter that I will attach also exhibit 4-5. Informing ONLINE INFORMATION SERV that they went passed the 30 day period allotted by law proves they can not validate or verify this account. I will like for ONLINE INFORMATION SERV to delete this inaccurate information off my consumer report immediately. ONLINE INFORMATION SERV you have defamed my character, my reputation, my worthiness, and my mode of living. I was just denied for a loan because of this inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 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: Sunbit, Inc.
State: GA

Complaint narrative:
The following company Sunbit Inc has there company name listed on my XXXX credit report as a debt in the form of credit card in the amount of {$4400.00} acct # XXXX and installment loan of {$840.00} acct # XXXX. I have tried to resolve this matter amicably with this company. I have no recollection of ever doing business with this company nor have I ever heard of his company. I have sent certified mail requesting documentation with my signature. They have not provided me with any proof of this account belonging to me. I have filed a FTC theft report and police report sent to the major credit reporting agencies.The personal information this company has on file for my identity is not related to me such as address, phone, email etc. I am reaching out to the CFPB to help me resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have several charges on my Bank of America Credit card. We were out of town for my husband 's XXXX XXXXXXXX during the time these charges were made. I submitted the hospital charges and dates to verify that we were not even in the town where these charges were made. They have denied reimbursing my account. This is not a card we use. 
They mailed new cards to use that we did not receive, and I told the B of A representative that our mailboxes are broken into periodically. He said that most likely they were intercepted, yet the claim has been denied.\ My husband and I live alone and no one else can access our banking information. We are deeply disturbed by this decision.

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 monetary relief
Consumer complaint received 2024-04-14 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: TX

Complaint narrative:
By nature of the inquiry ( s ) listed on my profile, the inquiring company is stating ( under FCRA Section 604 ( a ) ( 3 ) ( F ) ( i ) ) that I initiated a transaction with them. I, the consumer, am stating that I did not initiate a transaction with the company named. So which of us is right? I would suggest that I would know best whether I initiated a transaction with the company named. Additionally I would like to bring your attention to the Consumer Finance Protection Bureau ( CFPB ) XX/XX/XXXX Advisory Opinion 12 CFR Part 1022. The advisory opinion stated that " A consumer reporting agency 's policies and procedures should also identify logical inconsistencies in consumer information ''. I would submit that if I did in fact initiate a transaction with this company, then where is the resulting tradeline on my credit file? Since there is no resulting tradeline, it supports my position that I DID NOT initiate a transaction with them. With this logic, I am petitioning that you discard the inquiry as it is FACIALLY FALSE DATA which you have a obligation to fix. 

This is my third attempt to remedy this situation. The following inquiries should be removed immediately. I have been asking for this to be corrected since my first letter on XX/XX/XXXX. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Please also remove the OLD addresses on my file. My current address, which I have sent MANY times to you and proof that I live there is not working apparently. My address is only XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX. 

Please remove the addresses in XXXX, XXXX. Mail is not deliverable there.

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 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IL

Complaint narrative:
I've contacted LexisNexis several times to dispute the reporting of a bankruptcy to my credit files and have yet to receive a resolution from LexisNexis. I am filing this complaint to request that LexisNexis delete this unverified, old and obsolete bankruptcy from my records with them off my credit reports with XXXX, XXXX and XXXX. I have previously disputed this bankruptcy record with the credit bureaus and they have verified the item as accurate several times, stating that the credit agencies had verified the information with the court. On XX/XX/2024, I contacted the U.S. Bankruptcy Court, XXXX XXXX XXXX XXXX  via certified letter. On XXXX XXXX, I received the attached letter response from the U.S. Bankruptcy Court. According to the attached letter from the U.S. Bankruptcy Court, the court is not reporting this bankruptcy to my XXXX, XXXX or XXXX reports and the court has not verified, updated, or validated any information that is being reported. See attached confirmation of this information from the U.S. Bankruptcy Court, XXXX XXXX XXXX XXXX. This unverified bankruptcy is apparently being reported by third party record provider LexisNexis without any validation or verification that the bankruptcy information is accurate or up to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 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: CO

Complaint narrative:
Subject : Dispute of Incorrect Late Payment Reporting and Request for Removal I am writing to dispute incorrect late payment entries reported on my credit report by XXXX XXXX XXXX. I have attached copies of a congratulatory letter from XXXX XXXX XXXX and the title of the vehicle, both confirming that my account has been paid in full. Despite these clear indications that my financial obligations have been met, these erroneous entries have been reported, causing significant harm to my credit score and my overall financial health.

This incorrect information is a direct violation of my rights under the Privacy Act of 1974 ( 5 U.S. Code 552a ), which safeguards against the unauthorized use of personal data. Furthermore, I am exercising my right to opt out of any further reporting by XXXX XXXX XXXX, as stipulated under 12 CFR 1016.1 ( a ) ( 1 ) ( 2 ) ( 3 ). It is also noteworthy to mention that I was never provided with an initial privacy notice by XXXX XXXX XXXX, required under 12 CFR 1016.4 ( 1 ) ( 2 ), which mandates explicit authorization before disclosing any nonpublic personal information to nonaffiliated third parties. 
Given these violations, I am requesting the immediate removal of the reported late payments from my credit profile. Additionally, I am asking for a fine of {$1000.00} to be imposed for each violation of my consumer rights, as these errors have unjustly damaged my credit and personal reputation. 
Please find attached the relevant documents, including the payoff letter and vehicle title, to substantiate my claims. I expect a response within 30 days confirming that these corrections have been made to my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation