vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

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 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS
State: GA

Complaint narrative:
I the consumer requested a copy of my consumer file from LexisNexis. I never received it and if they are hiding vital information pertaining to my consumer report I may use the law accordingly.

15 U.S. Code 1681 Congressional findings and statement of purpose ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

3 ) consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

See attached for identification

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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: NY

Complaint narrative:
Hello I am Following up, to delete the following information in my file, these items do not belong to me.. I am a victim of identity theft and did not make the charge. I reported this to the Federal Trade Commission. It is my understanding that under Law you had 30 days from the receipt of prior letter to verify items, being that it has not been verified within that 30 day period it constitutes reason to be immediately deleted from my credit report. Also, Pursuant to 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me when the items has been deleted. According to the provisions of 15 U.S.C. Section 1681j, there should be no charge fort this notification.

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 2024-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have consistently made punctual payments on this account and request that it be accurately reflected. It is frustrating to encounter this discrepancy given my steadfast history of meeting deadlines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Subject : Revocation of Consent and Assertion of Rights under Fair Credit Reporting Act ( FCRA ) I am writing to you to assert my rights under the Fair Credit Reporting Act ( FCRA ) and related regulations concerning the handling and dissemination of my private information. 

As per 15 USC 1681 section 602, it is imperative to ensure that consumer reporting agencies uphold their responsibilities with fairness, impartiality, and respect for consumers ' privacy rights. Moreover, 15 USC 6801 underscores that financial institutions have an ongoing obligation to safeguard the privacy and confidentiality of customers ' nonpublic personal information.

Under 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies are permitted to furnish consumer reports solely in accordance with the written instructions of the consumer. I want to clarify that neither XXXX, XXXX, or Equifax nor any financial institution, including XXXX XXXX or XXXX, have my written consent to furnish my information. Any previous forms of consent, whether verbal, non-verbal, written, or implied, are hereby revoked and issued to cease and desist immediatly. 

Furthermore, 15 USC 6802 mandates that financial institutions must inform consumers of their right to exercise nondisclosure options, which has not been adequately provided by XXXX XXXX or XXXX. Additionally, under 15 USC 1681C ( a ) ( 5 ), consumer reporting agencies are prohibited from including adverse information in consumer reports without authorization, which is clearly being violated in this case.

According to 15 U.S. Code 1681s2 ( A ) ( 1 ) and 15 U.S. Code 1681e, entities are prohibited from furnishing inaccurate information to consumer reporting agencies and must maintain reasonable procedures to avoid violations of FCRA.

Finally, as per 12 CFR 1016.7, consumers retain the right to opt out of reporting services at any time, which I am exercising now. 

Therefore, I demand that XXXX, Equifax, XXXX and XXXX and XXXX XXXX cease any further dissemination of my information and take immediate steps to rectify any inaccuracies in their reporting. 

Please acknowledge receipt of this letter and confirm in writing the compliance with my requests within 15 Days. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Subject : Revocation of Consent and Assertion of Rights under Fair Credit Reporting Act ( FCRA ) I am writing to you to assert my rights under the Fair Credit Reporting Act ( FCRA ) and related regulations concerning the handling and dissemination of my private information. 

As per 15 USC 1681 section 602, it is imperative to ensure that consumer reporting agencies uphold their responsibilities with fairness, impartiality, and respect for consumers ' privacy rights. Moreover, 15 USC 6801 underscores that financial institutions have an ongoing obligation to safeguard the privacy and confidentiality of customers ' nonpublic personal information.

Under 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies are permitted to furnish consumer reports solely in accordance with the written instructions of the consumer. I want to clarify that neither Experian, XXXX, or XXXX nor any financial institution, including XXXX XXXX or XXXX, have my written consent to furnish my information. Any previous forms of consent, whether verbal, non-verbal, written, or implied, are hereby revoked and issued to cease and desist immediatly. 

Furthermore, 15 USC 6802 mandates that financial institutions must inform consumers of their right to exercise nondisclosure options, which has not been adequately provided by XXXX XXXX or XXXX. Additionally, under 15 USC 1681C ( a ) ( 5 ), consumer reporting agencies are prohibited from including adverse information in consumer reports without authorization, which is clearly being violated in this case. 

According to 15 U.S. Code 1681s2 ( A ) ( 1 ) and 15 U.S. Code 1681e, entities are prohibited from furnishing inaccurate information to consumer reporting agencies and must maintain reasonable procedures to avoid violations of FCRA.

Finally, as per 12 CFR 1016.7, consumers retain the right to opt out of reporting services at any time, which I am exercising now. 

Therefore, I demand that XXXX, XXXX, Experian and XXXX and XXXX XXXX cease any further dissemination of my information and take immediate steps to rectify any inaccuracies in their reporting. 

Please acknowledge receipt of this letter and confirm in writing the compliance with my requests within 15 Days. 

Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have consistently made punctual payments on this account and request that it be accurately reflected. It is frustrating to encounter this discrepancy given my steadfast history of meeting deadlines.

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 2024-04-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently looked at my credit report from TRANSUNION on XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. I also attached the evidence. 

1. XXXX XXXX XXXXXX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of USC 1681B 2. XXXXXXXX XXXX XXXXXX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of USC 1681B 3. XXXXXXXX XXXX XXXXXX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of USC 1681B 4. XXXX XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of USC 1681B 5. XXXXXXXX XXXX XXXXXX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of USC 1681B 6. XXXX XXXX XXXXXX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of USC 1681B

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 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I had a paid monitoring service through Experian. I decided to cancel the subscription. And though I was charged XXXX on XX/XX/XXXX, once i requested the cancellation, instead of then letting the prepaid subscription continue our until the end, Experian not only cancelled my subscription, but refuse to credit me back for the prepaid remaining days. I then contacted XXXX who gave me a temporary credit and ultimately granted me the refund. 
Experian then lowered my Experian score from XXXX to XXXX. I have always paid my bills and am also a homeowner of two homes. The lowering of my Experian score was done with malicious intent. It was only lowered after I cancelled the subscription.

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 2024-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.

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 2024-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. I am formally requesting the blocking and deletion of these accounts. It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX  Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : 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 2024-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
Settlement offer was given on XXXX XX/XX/2024 to pay off Apsire credit card for lesser than amount for credit card for {$420.00}. I made a payment of {$65.00} on XXXX XX/XX/2024, l spoke to a customer representative for Aspire Credit Card on XXXX XX/XX/2024 saying I would call back on XXXX XX/XX/2024 to do the pay off settlement for {$420.00}, but when I called back on XXXX XX/XX/2024 to Aspire Credit Card Services they gave me the runaround saying they never spoke to me about the pay off settlements! I really feel Aspire Credit Card took the {$65.00} dollar payment on XXXX XX/XX/2024 and screwed me by not doing the settlement payoff!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-01 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:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-04-01 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: AZ

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 


2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Delete this account. 


4. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXXXXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current. 


5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 


6. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 


7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I've consistently upheld punctual payments on this account, preventing any instances of overdue payments. The reports of late payment remarks on my accounts leave me uncertain. According to 15 USC 1666b - Billing Error, corrections should be made.

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 2024-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I've consistently upheld punctual payments on this account, preventing any instances of overdue payments. The reports of late payment remarks on my accounts leave me uncertain. According to 15 USC 1666b - Billing Error, corrections should be made.

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 2024-04-01 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: TX

Complaint narrative:
It seems FCRA 605B necessitates the elimination of any erroneous entries from my credit report. Can you verify the documents? Several of the listed entries are inaccurate in their reporting of amounts and dates.

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