vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-11 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 am formally requesting proof and validation of the documentation in question, with all applicable rules, codes, or regulations cited that would mandate the removal of inaccurate information. Under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( Dispute Accuracy of Information ) and 623 ( Responsibilities of Furnishers of Information ), information providers and credit reporting agencies are required to ensure accuracy and correct or remove incorrect data upon verification of any inaccuracies. 

This letter from the courthouse serves as evidence that the information is unvalidated and incorrect. According to FCRA guidelines, inaccurate information must be removed or corrected within 30 days of a verified dispute. Additionally, any state-level data protection or consumer rights laws that uphold the accuracy of reported information should also be adhered to. I urge compliance with these standards to ensure accuracy in this matter and request prompt correction as required by law. You XXXX  are breaking the 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
Consumer complaint received 2024-11-11 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: TX

Complaint narrative:
Violation of Privacy Rights : Under 15 U.S.C. 1681, Section 602, my right to privacy regarding personal and financial information is protected. I believe that your handling of my information without clear authorization violates this statute.

Unauthorized Furnishing of Account Information : According to 15 U.S.C. 1681, Section 604A, Section 2, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Improper Handling of Payment Timing : As per 15 U.S.C. 1666B, a creditor may not treat a timely payment on a credit card account under an open-end consumer credit plan as late if made in accordance with the plans terms. I believe that your handling of my account has unfairly led to my payment being marked late, in direct violation of this statute. 

I request that you investigate these concerns thoroughly, correct any errors in your records, and cease any further unauthorized actions on 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 2024-11-11 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: TX

Complaint narrative:
Violation of Privacy Rights : Under 15 U.S.C. 1681, Section 602, my right to privacy regarding personal and financial information is protected. I believe that your handling of my information without clear authorization violates this statute.

Unauthorized Furnishing of Account Information : According to 15 U.S.C. 1681, Section 604A, Section 2, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Improper Handling of Payment Timing : As per 15 U.S.C. 1666B, a creditor may not treat a timely payment on a credit card account under an open-end consumer credit plan as late if made in accordance with the plans terms. I believe that your handling of my account has unfairly led to my payment being marked late, in direct violation of this statute. 

I request that you investigate these concerns thoroughly, correct any errors in your records, and cease any further unauthorized actions on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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:
Violation of Privacy Rights : Under 15 U.S.C. 1681, Section 602, my right to privacy regarding personal and financial information is protected. I believe that your handling of my information without clear authorization violates this statute.

Unauthorized Furnishing of Account Information : According to 15 U.S.C. 1681, Section 604A, Section 2, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Improper Handling of Payment Timing : As per 15 U.S.C. 1666B, a creditor may not treat a timely payment on a credit card account under an open-end consumer credit plan as late if made in accordance with the plans terms. I believe that your handling of my account has unfairly led to my payment being marked late, in direct violation of this statute. 

I request that you investigate these concerns thoroughly, correct any errors in your records, and cease any further unauthorized actions on 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 2024-11-11 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: MD

Complaint narrative:
I recently received a copy of my credit and noticed that I had a fraudulent account on my credit report. Please remove this account from my credit report, they are hurting my ability to obtain 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 explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I been charged a lot of OOPs fees from XXXX  XXXX. Too many dates to write. I been with them since 2019

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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: CA

Complaint narrative:
I checked my credit score and found out that a credit card ending in XXXX was opened without my knowledge. This account is not mine in any way.

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 2024-11-11 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: OR

Complaint narrative:
XXXX XXXX XXXX I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2024-11-11 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: TX

Complaint narrative:
I am following up on ongoing inaccuracies in my credit report that remain unresolved. Despite submitting multiple disputes and providing supporting documentation to demonstrate these errors, the information continues to be reported incorrectly without any corrections. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, you are legally required to maintain 100 % accuracy in reporting. By allowing these inaccuracies to persist, your agency is in violation of this requirement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: World Acceptance Corporation
State: GA

Complaint narrative:
On XX/XX/year> I took out a loan for XXXX # XXXX at one location apparently the location was closed without my knowledge and the account was given to another location where the account # was changed to XXXX and the date of the loan was changed to XX/XX/year> while working on my account I disputed by asking for a XXXX and the company responded no XXXX was need because the account was charge-off for XXXX and under XXXX then I Disputed because of The inaccuracy information that this company was reporting on my credit I called the company to file a dispute And the employee Was rude and told me that she would email me the dispute information XXXX XXXX hours which I never received the original amount opened XX/XX/year> # XXXX was removed and the information came back verify I would like to know the verification method used to verify this account I know that under XXXX that it is against the law to report fraudulent information on XXXX 's credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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:
" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"

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 2024-11-11 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: IL

Complaint narrative:
" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file.

"

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 2024-11-11 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:
" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file.

"

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 2024-11-11 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: NC

Complaint narrative:
In according with the Fair Credit Reporting Act account name XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX PA XXXX 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 2 : It also States Consumer Reporting Agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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: NC

Complaint narrative:
In according with the Fair Credit Reporting Act account name XXXX XXXX XXXX XXXX XXXX XXXX, XXXX PA XXXX 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 2 : It also States Consumer Reporting Agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Resurgent Capital Services L.P.
State: MN

Complaint narrative:
LVNV Funding LLC has purchased your XXXX XXXX account from XXXXXXXX XXXX. This communication serves as your written verification for the terms of this agreement that have been authorized on the above referenced debt. Any variation from the provisions outlined in this letter, without consent from this office, may nullify this offer. The total amount authorized is {$210.00} in the following payments. XX/XX/year> - {$210.00} Reference Number! XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My XXXX  has been on my credit well pass the time of FCA laws and needs to be removed due to my constant on time payment and no delinquencies on my credit for the last several years.

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 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Subject : Request to Correct Inaccurate Name Reporting on Credit Report To Whom It May Concern, I am writing to request assistance regarding an ongoing issue with The credit bureau inaccurate reporting of my name on my credit report. Currently, The credit bureau is listing my name in several incorrect variations that do not match my legal name and have not done so for over XXXX XXXX This has caused confusion and complications in verifying my identity and in managing my credit. 

My legal name, as stated on my XXXX XXXX XXXX XXXX XXXX XXXX, is XXXX XXXX XXXX. I have contacted The credit bureau multiple times in an effort to have this corrected, but no action has been taken to resolve the issue. I am requesting that my name be updated in their records to reflect my legal name accurately. 

Please let me know if any additional information or documentation is required to assist in resolving this matter. I appreciate your assistance in ensuring the accuracy of my credit report. 

Thank you for your attention to this issue.

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 2024-11-11 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: NC

Complaint narrative:
In according with the fair credit reporting Act AccounXXXXXXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX, has violated my rights. 
15U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 2 : It also States a Consumer Reporting Agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 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: NC

Complaint narrative:
In according with the fair credit reporting Act AccounXXXX XXXXXXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX, has violated my rights. 
15U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 2 : It also States a Consumer Reporting Agency can not furnish a account without my written instructions.

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