vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-01 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: MD

Complaint narrative:
Affirm is reporting that I owe {$880.00}, which was my remaining balance prior to the account being charge-off and pushed over to one of their collection agency accounts, called XXXX! 

Honestly, I attempted to resolve this matter with Affirm prior to it being move to XXXX, but to no avail! After I contacted XXXX per Affirms instructions to satisfy the remaining account balance, a settlement was reached and agreed upon, rendering my balance paid in full. Moreover, this doesn't reflect on my XXXX credit profile, which is not fair credit reporting on my behalf. 

I have disputed this erroneous trade-line entry several time, including providing proof of payment. However, they refuse to make the correction on my file!!! This is egregious on their part!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 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: TX

Complaint narrative:
I respectfully request that you eliminate this erroneous account from my credit report, as it's not associated with me, and I never gave consent for its creation. I've attached the required documentation to validate my stance.

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 2024-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The situation at hand is causing me considerable distress and affecting my sleep quality. I find it hard to come to terms with the issue. I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: KY

Complaint narrative:
Medical bill was not submitted to Medicare or my supplemental insurance company

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 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: IL

Complaint narrative:
Kindly delete this incorrect entry from my credit report. I never authorized or recognized this account. The relevant documents backing my claim are attached.

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 2024-02-01 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Kindly delete this incorrect entry from my credit report. I never authorized or recognized this account. The relevant documents backing my claim are attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-01 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: FL

Complaint narrative:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-01 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: EQUIFAX, INC.
State: TX

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. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-01 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:
This complaint is being filed against the furnishers of information and all three Credit Reporting Agencies ( XXXX, XXXX and Transunion ) for violating my privacy by reporting accounts on my consumer report without my verbal or written consent as it is required by law. Furnishers of information ( the financial institutions ) as defined in 15 USC 6801 do not have my consent to report my non-public private information. Although the credit reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartially, and a respect for the consumers right to privacy as stated under 15 Usc 1681. The Privacy Act of 1974 prohibits the disclosure of records about an individual from a system of records absent the written consent of the individual. Pursuant to 15 USC 1681a ( 2 ) ( i ) Exclusions it states a consumer report does not include a report containing information solely as to transactions or experiences between the consumer and the person making the report. So the reporting of my nonpublic personal information like my credit utilization is a clear violation of my federally protected consumer rights. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. As it relates to 1681 ( b ) Permissible Purpose and 1681 ( c ) XXXX, XXXX and Transunion are all violating compliance procedures under this title. I reserve the right to disclose my nonpublic personal information to all non affiliated third parties. The reporting of the timing of payments and the credit utilization are not to be reported on my consumer report. My report should only contain one name and one address because I have one primary address all others are non mailable addresses. Im expecting that these demands be reflected on my consumer report immediately as permitted under 12 CFR 1016.7. It is my request that the furnishers of information provide documentary evidence of me giving them written consent to share my nonpublic private information with anyone in the form of a SSA-89 and or form SSA-3288.

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 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This complaint is being filed against the furnishers of information and all three Credit Reporting Agencies ( XXXX, Equifax and XXXX ) for violating my privacy by reporting accounts on my consumer report without my verbal or written consent as it is required by law. Furnishers of information ( the financial institutions ) as defined in 15 USC 6801 do not have my consent to report my non-public private information. Although the credit reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartially, and a respect for the consumers right to privacy as stated under 15 Usc 1681. The Privacy Act of 1974 prohibits the disclosure of records about an individual from a system of records absent the written consent of the individual. Pursuant to 15 USC 1681a ( 2 ) ( i ) Exclusions it states a consumer report does not include a report containing information solely as to transactions or experiences between the consumer and the person making the report. So the reporting of my nonpublic personal information like my credit utilization is a clear violation of my federally protected consumer rights. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. As it relates to 1681 ( b ) Permissible Purpose and 1681 ( c ) XXXX, Equifax and XXXX are all violating compliance procedures under this title. I reserve the right to disclose my nonpublic personal information to all non affiliated third parties. The reporting of the timing of payments and the credit utilization are not to be reported on my consumer report. My report should only contain one name and one address because I have one primary address all others are non mailable addresses. Im expecting that these demands be reflected on my consumer report immediately as permitted under 12 CFR 1016.7. It is my request that the furnishers of information provide documentary evidence of me giving them written consent to share my nonpublic private information with anyone in the form of a SSA-89 and or form SSA-3288.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 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: KY

Complaint narrative:
My name is XXXX XXXX. I am submitting a official complaint against Equifax and their XXXX XXXX XXXX as well as A complaint against XXXX XXXX. Equifax is not following the complete law of the XXXX XXXX XXXXXXXX XXXX XXXX. They are only going on some of the ways that a XXXX XXXX XXXX  can provide proof of being a XXXX XXXX XXXX. I submitted by the law one of the ways by the LAW that I can follow. Also Equifax is not supposed to question the validty of any Paperwork nor are they supposed to go beyond 4 days of my request for removal. I also want to bring awareness to the unethical act of XXXX XXXX. He contacted me on my personal email that bares my likeness asking me to prove that I am a XXXX XXXX XXXX XXXX. Against my better judgment and embarrassment I sent him Proof. I have never received a message from Equifax to my personal email address. I have never received a message from any other Credit Bureau Employee. I always have received messages from their website or a phone call. I would like to bring this to the attention of the CFPB, Congress and I would like to speak with the President of Equifax regarding this. I will NOT sit by and allow Equifax to do this to myself or to another XXXX XXXX  XXXX. CFPB PLEASE read the law for yourself and see that I am compliant and Equifax is NOT. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 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: NY

Complaint narrative:
This complaint is being filed against the furnishers of information and all three Credit Reporting Agencies ( Experian, XXXX and XXXX ) for violating my privacy by reporting accounts on my consumer report without my verbal or written consent as it is required by law. Furnishers of information ( the financial institutions ) as defined in 15 USC 6801 do not have my consent to report my non-public private information. Although the credit reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartially, and a respect for the consumers right to privacy as stated under 15 Usc 1681. The Privacy Act of 1974 prohibits the disclosure of records about an individual from a system of records absent the written consent of the individual. Pursuant to 15 USC 1681a ( 2 ) ( i ) Exclusions it states a consumer report does not include a report containing information solely as to transactions or experiences between the consumer and the person making the report. So the reporting of my nonpublic personal information like my credit utilization is a clear violation of my federally protected consumer rights. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. As it relates to 1681 ( b ) Permissible Purpose and 1681 ( c ) Experian, XXXX and XXXX are all violating compliance procedures under this title. I reserve the right to disclose my nonpublic personal information to all non affiliated third parties. The reporting of the timing of payments and the credit utilization are not to be reported on my consumer report. My report should only contain one name and one address because I have one primary address all others are non mailable addresses. Im expecting that these demands be reflected on my consumer report immediately as permitted under 12 CFR 1016.7. It is my request that the furnishers of information provide documentary evidence of me giving them written consent to share my nonpublic private information with anyone in the form of a SSA-89 and or form SSA-3288.

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 2024-02-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect
State: OH

Complaint narrative:
In XXXX of XXXX, Americollect sent me a debt collection notice. Within 30 days I responding disputing the validity of this debt. I had just experienced identity theft in XX/XX/XXXX, I wanted to be sure the debt was valid because I am in good standing with XXXX and never received a bill from them. I never heard back from Americollect and they stopped calling for 6 months or more. I never received any additional mail from them. Now they are putting this on my credit report, which is illegal. The debt was in dispute originally with no response from the company. How can they put this on my credit? Ive never had one late payment ever, no collections. I had over an XXXX credit score which has since dropped over XXXX points. This is going to cost me money now because Im just about to apply for a mortgage!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 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: FL

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-02-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc.
State: UT

Complaint narrative:
Hello, I just received a notice from " the CBE Group, Inc '', passing for a debt collector for XXXX ( see document attached ). There is no mention of why I would owe $ XXXX to XXXX XXXX and it's especially suspect since I never sold anything there. The account number they refer to isn't mine, and their address doesn't match the one for CBE Group inc on the IRS website. A quick search online reveals that I am not the only one who may be preyed on. 
Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The situation at hand is causing me considerable distress and affecting my sleep quality. I find it hard to come to terms with the issue. I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing.

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 2024-02-01 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: VA

Complaint narrative:
I reviewed my consumer reports and noticed that I had a late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I've attached an image showing proof of an inaccuracy as well. I have never been late on payments for the account : ( XXXX ) : ( Account # XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on-time as they should be, as I was Never late. Thanks

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 2024-02-01 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: TX

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. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness.

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 2024-02-01 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:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-02-01 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: CA

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX  and Transunion data breach and may have got into the hands of the wrong person.

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 2024-02-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

Company response to consumer: Closed with non-monetary relief