vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-02 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: MD

Complaint narrative:
On XX/XX/year>, I mailed out a notarized certified green return receipt dispute letter to LexisNexis. Then on XX/XX/year>, I contacted them by phone. I informed the supervisor that according to 15 USC Code 1681i, they were supposed to complete their investigation and submit to me by US mail within 30 days with a response. I then informed him that as of XX/XX/year>, I have not received anything from LexisNexis. The supervisor stated that they have not mailed out a response as of yet. I then informed him that based on this violation, the law states this account must be deleted. He then stated that he can not delete the account. I also informed him that according to 15 U.S. Code 1681b -Permissible Purpose of Consumer Report, LexisNexis was supposed to provide me with all of the disclosures based on 15 U.S. Code 1681b including written and signed proof showing that gave permissible purpose to list this bankruptcy on my consumer report. He then informed me that they do not need to provide this proof to me. I informed him that again that LexisNexis was in direct violation of 15 U.S. Code 1681b. Therefore, again based on these numerous violations, this account must be immediately deleted. Then I reminded him that I provided them with the letter from the United States Bankruptcy Court that states that they do not verify or report to consumer reporting agencies. The credit report states that LexisNexis verified the bankruptcy. So again, I told him based on that the account should be deleted. Again, the supervisor refused ... ..etc the conversation went on and on for an hour. So, I told the supervisor that he continued to refuse me my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: GA

Complaint narrative:
I viewed my consumer reports a few weeks ago and found XXXX XXXX XXXX, a debt buyer, reporting a unverifiable and unvalidated account on my reports. Equifax and XXXX has allowed XXXX XXXX XXXX to report this account without any proof of claim. Neither XXXX XXXX XXXX, XXXX, or Equifax has provided any accurate information to report this account on my consumer reports. No wet signature contract and copies of the consumer credit card statements are not sufficient to validate the debt. Validation requires presentment of the account and general ledger statement signed and dated by the party responsible for maintaining the account. 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 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 response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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 viewed my consumer reports a few weeks ago and found XXXX XXXX XXXX, a debt buyer, reporting a unverifiable and unvalidated account on my reports. XXXX and Experian has allowed XXXX XXXX XXXX to report this account without any proof of claim. Neither XXXX XXXX XXXX, Experian, or XXXX has provided any accurate information to report this account on my consumer reports. No wet signature contract and copies of the consumer credit card statements are not sufficient to validate the debt. Validation requires presentment of the account and general ledger statement signed and dated by the party responsible for maintaining the account. 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 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 2024-04-03 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 did not initiate these inquiries and suspect them to be fraudulent. I request a thorough investigation and their prompt removal from my credit report. I have provided supporting documents for your review.

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 2024-04-03 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 did not initiate these inquiries and suspect them to be fraudulent. I request a thorough investigation and their prompt removal from my credit report. I have provided supporting documents for your review.

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 2024-04-03 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:
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
i am disputing an inaccurate and incomplete item on my credit report with TRANSUNION, XXXX, AND XXXX, they are all reporting different information on each report which is a violation of the FCRA, 15 USC 1681e ( b ).

It states 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 about whom the report relates. since its not 100 % accurate and complete it needs to be deleted from my credit report. 

i have attached exhibits from each website with my letter for your reference.

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 2024-04-02 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:
I am sending this complaint regarding a discrepancy in my credit report that require your immediate attention. Specifically, I am disputing this account : XXXX, XXXX. XXXX. 

The reason for my dispute is that your agency has failed to provide sufficient information to verify the debt in question. XXXX and XXXX, other credit bureaus, have already rectified this inaccuracy in their records due to identified errors. I am puzzled as to why you have verified this account while other bureaus have updated them. Therefore, I request that you correct this account in my credit file as they are inaccurate, erroneous, incomplete, or unverifiable.

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 2024-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to address the presence of unauthorized transactions in my consumer report, which I did not authorize or instruct. As a result, I formally request the blocking and removal of these accounts without any inaccuracies or misrepresentation of facts. Below, I have listed the specific accounts in question : It appears that your organization may be violating 15 U.S.C 1681a 2 ( A ) ( i ), which prohibits a consumer report from solely containing information about transactions or experiences between the consumer and the entity reporting the information. 

This statute explicitly states that XXXX, as the reporting entity, should not include transactions or experiences associated with the line of credit extended between the consumer and the reporting entity in my consumer report. 

I urge you to promptly update my utilization to 5 % or below within 10 calendar days or remove all utilization from the mentioned accounts. 

Furthermore, I request that you provide all documents on which you rely for reporting the referenced accounts, in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). The information you are reporting is damaging to my reputation and adversely affecting my creditworthiness. 

Therefore, I demand the removal of these accounts from my file within 30 days, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verification of these accounts.

Additionally, along with the removal of erroneous and unverified information, kindly eliminate all non-account holding inquiries older than 30 days. 

Failure to provide a satisfactory response with the deletion of the mentioned utilization and inquiries will result in legal action against your company, for which I will seek {$1000.00} per violation : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 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 2024-04-02 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX SSN : # XXXX XXXX : XXXX Transunion TransUnion Legal Department XXXX XXXX XXXX XXXXXXXX, PA XXXX Subject : Dispute Request for XXXX Account # XXXX Dear TransunionTeam, I hope this letter finds you well. I am writing in response to a communication from your office suggesting that my dispute claims have been deemed frivolous concerning inaccuracies found on my credit report. I respectfully disagree and am providing detailed information below regarding the disputed item. I am requesting a thorough reinvestigation of the following matter, with a keen request for its removal in compliance with legal requirements. It's imperative for me to ensure that all information on my credit report is accurate, as I am currently in the process of securing a home loan. 

I kindly ask that you do not limit your inquiry to electronic communications with the furnisher of this information. Instead, please ensure this letter, along with any pertinent attachments, is forwarded to both the furnisher and me. This step is crucial for maintaining transparency and ensuring that all parties are adequately informed of the ongoing proceedings. 

Should the furnisher insist that the information has been accurately reported, I request comprehensive documentation to support their claim. This includes a detailed account of the verification process used to ascertain the accuracy of the reported information, along with the contact details of the furnisher involved. 

I trust that Transunion adheres to stringent procedures ensuring that any public record information, especially those with potential negative impacts, is reported with the utmost accuracy and completeness. As stipulated by law, I look forward to the conclusion of this investigation within the 30-day period. Should this matter remain unresolved, I am prepared to engage legal assistance to advocate for my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., including exploring all potential remedies and damages available under the Act. 

It is pertinent to remember that as a Credit Reporting Agency, Transunion is bound by federal consumer financial laws, encompassing the FCRA and Title X of the XXXX Act, alongside regulations prohibiting " Abusive '' Acts or Practices ( Section 1031 of the XXXX ). 

I appreciate your prompt attention to this matter and look forward to a resolution that reflects the accuracy and fairness dictated by law. 

Warm regards, 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 2024-04-02 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:
I am writing to express my deep concern regarding the unresolved issues surrounding the credit accounts held by XXXX XXXX and XXXX XXXX. Despite numerous attempts to resolve these matters, I have yet to receive adequate proof of debt validation or documentation outlining the transfer of alleged accounts from XXXX XXXX to XXXX XXXX. First and foremost, I demand to see the purchase agreement that demonstrates XXXX XXXX transfer or sale of alleged debt to XXXXXXXX XXXX as well as the original contract between myself and XXXX XXXXXXXX, including any signatures authorizing the service. It is imperative that I receive full transparency regarding the handling of my account. Furthermore, I have evidence of XXXX XXXX removing an account with a balance of {$860.00} from XXXX and Experian, indicating a lack of validity in their claim against me. This action will be utilized in support of my claim against XXXX XXXX, alongside the failure of your compliance manager, XXXX, to provide adequate documentation as required by the FCRA law. Merely sending statements does not constitute proper debt validation. Additionally, I must emphasize that I was never notified of being in collections, and therefore require thorough documentation to substantiate this claim. I demand to see the debt validation paperwork as mandated by law. This letter serves as a final opportunity for XXXX XXXX and XXXX XXXX to rectify these issues by promptly removing all XXXX XXXX collection accounts from my consumer report. Failure to do so will leave me no choice but to pursue further legal action to protect my rights as a consumer. I expect a timely response and the resolution of these matters without further delay. Furthermore, I want to emphasize that this situation is a clear violation of 15 U.S. Code 1681a, which explicitly excludes transaction history and experiences from consumer reports. The inclusion of unauthorized information, such as the account from XXXX XXXX, on my consumer report constitutes unfair and deceptive business practices. This places XXXX in jeopardy as they allowed this information to be furnished. I am giving XXXX XXXXXXXX, XXXX XXXX and XXXX a strict deadline of 15 days to remove all XXXX XXXX collection accounts from my consumer report. Failure to do so will result in a charge of {$1000.00} per day for each day that unauthorized information remains on my consumer report. If accounts are not remove I will be Filing a identity theft report on XXXX, XXXXXXXX XXXX  and XXXXXXXX XXXX and report companies to the ftc

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 2024-04-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I recently reviewed a copy of my credit report and noticed fraudulent activity that is hurting my ability to obtain fair credit.

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 2024-04-02 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:
Urgently, I request the prompt removal of the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please rectify this promptly.

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 2024-04-02 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:
I am sending this complaint regarding a discrepancy in my credit report that requires your immediate attention. Specifically, I am disputing this account : XXXX, XXXX. XXXX. 

The reason for my dispute is that your agency has failed to provide sufficient information to verify the debt in question. XXXX and XXXX, other credit bureaus, have already rectified this inaccuracy in their records due to identified errors. I am puzzled as to why you have verified this account while other bureaus have updated them. Therefore, I request that you correct this account in my credit file as they are inaccurate, erroneous, incomplete, or unverifiable.

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 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LendingUSA
State: NY

Complaint narrative:
In accordance with the fair credit reporting act. These account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ACCT # XXXX IM BEING CHARGED DOUBLE. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 SECTION 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c ( a ) ( 5 ) any other adverse item of information, other than records of convictions of crimes which antedates the person shall not furnish information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: NY

Complaint narrative:
In accordance with the fair credit reporting act. These account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ACCT # XXXX IM BEING CHARGED DOUBLE. 

XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681 SECTION 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c ( a ) ( 5 ) any other adverse item of information, other than records of convictions of crimes which antedates the person shall not furnish information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 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 did not initiate these inquiries and suspect them to be fraudulent. I request a thorough investigation and their prompt removal from my credit report. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 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: TX

Complaint narrative:
I respectfully seek your comprehension regarding the late remarks on my report, and I am fully dedicated to resolving them as per our agreement. My goal is to eliminate all the late remarks from my report, and I am enthusiastic about upholding a favorable record with your organization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 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: TX

Complaint narrative:
I am giving XXXX, XXXX and experian on second notice to remove non public information off my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  If accounts are not removed I will report identity theft on bureaus to ftc and Internal Revenue Service XXXX and XXXX and experian Bureaus have not given me any notice of dispute of the following accounts above every time I have disputed accounts which I should be notified every single time in accordance to FCRA Law

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