vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-06 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:
PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. 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 explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have asked this company on my occasion to update my personal information. All the information is drastically different. They refused saying I havent provided accurate information. I dont know what else to do to resolve this matter other filing an complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have asked this company on my occasion to update my personal information. All the information is drastically different. They refused saying I havent provided accurate information. I dont know what else to do to resolve this matter other filing an complaint

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 2024-08-06 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX XXXX PA XXXX Subject : Pre-Arbitration Demand Letter for Violation of FCRA To whom it May Concern, I am writing to formally notify you of your violations of the Fair Credit Reporting Act ( FCRA ) concerning the debt reported on my credit report without proper notification. Account name : XXXX XXXX XXXX Account number : XXXX According to the FCRA, consumers have the right to be informed about debts before they are reported to credit bureaus. Despite this requirement of XXXX XXXX XXXX failed to provide a certified receipt with my signature confirming that I was properly notified of this debt before it was placed on my credit report. Additionally, I submitted a formal dispute regarding the company and the dispute is over 30 days, requesting a furnished certified receipt as evidence of proper notification. To date, I have not received any response from company addressing this request, which is a further violation of the FCRA. Below is certified receipt with signature that it was received. Under the FCRA, credit bureaus and furnishers of information are responsible for ensuring the accuracy of information reported. Your failure to provide the requested documentation and to respond to my dispute indicates non-compliance with these legal obligations. NMLS states that XXXX XXXX XXXX is not registered to collect on alleged debt. To resolve this matter amicably and without further escalation, I demand the following actions within 14 days of the date of this letter : 1. Immediate removal of the disputed debt from my credit report. 2. Written confirmation of the removal. 3. A certified receipt with my signature, if such a document exists. If you do not comply with these demands, I am prepared to pursue arbitration with Transunion to enforce my rights under the FCRA. Please note that this letter serves as a pre-arbitration demand and does not waive any of my rights or remedies. Each violation is XXXX dollar each I look forward to your prompt response to this serious matter. Please contact me at the phone number or email address listed above to confirm receipt of this letter and to discuss the resolution of this issue. I will be sending Certified mail copy to Transunion. Sincerely, 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 2024-08-06 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I explained to the company that the XXXXXXXX XXXX XXXX XXXX is not accurate. That I did not knowingly agree to this account being opened in my name. It was opened XX/XX/year> for {$4000.00}. They have yet to remove the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 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:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX  XXXX XXXX XX/XX/2023 XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: TX

Complaint narrative:
I would like Experian to provide me with their verification method of each late payment for each account via mail. I need to know how they came to the conclusion that I was late on any payments for any account listed on my consumer report.If this information can not be provided I need all negative remarks and accounts removed immediately. 
These are the accounts reported as late that I'd like copies of your verification method for 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 2024-08-06 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: AR

Complaint narrative:
XXXX XXXX Account # XXXX I am writing to formally dispute the inaccurate and unauthorized reporting of the XXXX XXXX  account ( # XXXX ) on my credit reports with XXXX and Equifax. This account has been sold to a third-party company without my consent, which constitutes a breach of privacy. Furthermore, the reporting on this account is inaccurate and inconsistent, and I demand its immediate removal from all credit reporting agencies.

Issues Identified 1. Unauthorized Sale and Privacy Violation : The account was sold to a third-party company without my consent, constituting a breach of my privacy rights. I did not authorize the sale or transfer of this account.

2. Inaccurate Reporting : Last Reported Date : XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX Debt Status on Equifax : Equifax inaccurately reports that the debt is not satisfied, despite being legally settled. 
Date Last Active : XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX These inconsistencies and errors are misleading and damaging to my credit profile. 

Violations and Impact The presence of this account, along with its inaccurate and unauthorized reporting, indicates significant issues in the handling of my personal information and credit data. The discrepancies in the reported dates and debt status, as well as the unauthorized sale of the account, violate my rights under the Fair Credit Reporting Act ( FCRA ) and privacy laws.

Applicable Laws and Regulations 1. 15 USC 1681e ( b ) - Accuracy of Report : Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The discrepancies in reporting violate this requirement.

2. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Requires consumer reporting agencies to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information.

3. 15 USC 1681i ( a ) ( 5 ) - Treatment of Inaccurate or Unverifiable Information : Mandates that if disputed information is found to be inaccurate or unverifiable during a reinvestigation, it must be promptly deleted or modified.

4. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) - Responsibilities of Furnishers of Information : Prohibits furnishers from providing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

5. 15 USC 1681s-2 ( b ) - Duties of Furnishers of Information Upon Notice of Dispute : Requires furnishers to investigate, review all relevant information, and report the results to the consumer reporting agencies.

6. Right to Privacy : The unauthorized sale of my account to a third party without my consent is a clear violation of my privacy rights, which includes the protection of sensitive information from unauthorized disclosure.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Meridian Financial Services, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, we received a collection letter from XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX XXXX, XXXX, NC XXXX. We sent them a register letter in response, to let them know that we are disputing the debt against XXXX XXXX XXXX XXXX XXXX ( XXXX, XXXX ). They responded with documentation to validate the account. We again responded to them advising that the alleged debt is disputed. We also asked that we be allowed to enact our legal rights.

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 2024-08-06 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: FC HoldCo LLC
State: TX

Complaint narrative:
My credit reported a drop in my credit and when checking, I noticed a bunch of hard inquiries that hit my credit. I did not authorize any of these inquiries therefore I do not know why they were able to hit my 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 2024-08-06 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: SECURITY SERVICE FEDERAL CREDIT UNION
State: TX

Complaint narrative:
My credit reported a drop in my credit and when checking, I noticed a bunch of hard inquiries that hit my credit. I did not authorize any of these inquiries therefore I do not know why they were able to hit my 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 2024-08-06 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Unauthorized hard inquiries hit my credit that I do not recognized

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
Unauthorized hard inquiries hit my credit that I do not recognized

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Payfare International Inc.
State: GA

Complaint narrative:
To the Consumer Financial Protection Bureau ( CFPB ) : I am writing to respond to PayFareXXXX XXXX XXXX handling of my claim, which I believe to be unjust and based on inaccurate information. My name is XXXX XXXX, and I am disputing their denial of my claim regarding fraudulent transactions on my card. 

PayFare/XXXX XXXXk has asserted that XXXX Liability coverage does not apply because I did not use reasonable care in protecting my card, claiming that I wrote my PIN on the card itself. I want to clarify that I never stated my PIN was written on the card. Instead, I had my PIN written on a small piece of paper inside my wallet. It is physically impossible to write on the plastic card, and this misinformation can be verified by reviewing the recorded call with their representatives. 

Furthermore, PayFare/XXXX XXXX XXXX denial of my claim is also based on transactions they assert were conducted using XXXX XXXX. I want to reiterate that I have never used XXXX XXXX  which I made clear multiple times. These charges are fraudulent and should be addressed as such. 

According to Regulation E ( Reg E ) of the Electronic Fund Transfer Act ( EFTA ) of 1978, consumers are protected from unauthorized and fraudulent electronic fund transfers ( EFTs ). Regulation E does not consider a transaction unauthorized if a customer voluntarily gives their card and PIN to someone else unless the customer has notified the financial institution that the person is no longer authorized. This is not the case here. I did not voluntarily give my card or PIN to anyone, and the transactions in question are unauthorized. 

PayFareXXXX XXXX XXXX handling of my claim does not align with the protections provided by XXXX XXXX I am requesting that the CFPB keeps a record of this complaint for future reference and that PayFareXXXX XXXX refunds me for the fraudulent transactions immediately. If this issue is not resolved promptly, I will pursue arbitration proceedings and consider further legal action for unethical and deceptive practices. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: IL

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: VeriCore, LLC
State: DC

Complaint narrative:
Vericore keep harassing me personally after I asked them to cease from contacting me. We never used the XXXX product after paying XXXX XXXX XXXX  for it. They assigned an XXXX  XXXX to my account who never implemented anything nor did XXXX certify us as XXXX compliant. We spent over XXXX XXXX  for a product that we could not use due to it being XXXX. I have a complaint with XXXX. The XXXX  agreed with my request due to deceptive sales tactics of over charging me upfront when it was supposed to be quarterly and implemented. So I refunded money back to my account however XXXX wanted to charge XXXX for implementation  costs. This is what I received from XXXX below. XXXX is and XXXX XXXX that has became a burden with outrageous cost to implement which they are not honest. 
Vericore sent this to me personally with a threat against me. 
Actions taken during this investigation may include, but are not limited to, contacting the following : State regulatory and licensing agencies Banking and financial institutions Vendor and trade references Landlord, if applicable Local tax assessor office A field investigator may also be dis

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
I was in XXXX my ex husband was using my all information with his XXXX he knows my all life because we have XXXX Kids he was in XXXX  i am trying to rent an apartment but i cant i call the apartments they dont answeered al raedy they have an other company i did a Police report my daughter was in XXXX XXXX  case we were.living in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dispute of Time-Barred Debt XXXX Expired Statute of Limitations Dear DEPT OF EDUCATIONXXXX I hope this correspondence finds you well. I am writing to formally dispute the validity of the debt you are attempting to collect, as it has surpassed the statute of limitations. rendering it time-barred under applicable laws. 

Details of the Debt : * Original Creditor : DEPT OF EDUCATION * Amount : {$1200.00} & XXXX * Date of Last Payment : ( N/A ) Upon a comprehensive review of my records and understanding the relevant state laws, 1 have determined that the statute of limitations for the debt in question has expired. As such, I am invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ) and other applicable statutes to dispute the collection of this time-barred debt.

I kindly request the following actions : 1. Cease and Desist : Cease all attempts to collect this debt immediately, as it is time-barred under the statute of limitations.

2. Written Confirmation : Provide written confirmation within 30 days that all collection efforts related to this debt will be terminated. This confirmation should also include acknowledgment of the expiration of the statute of limitations. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS THAT NEED TO BE REMOVED FROM MY CREDIT REPORT AND STOP ALL NEGATIVITY REPORTING ARE LISTED BELOW 1. US DEPARTMENT OF EDUXXXX {$2000.00} 2. US DEPARTMENT OF EDUXXXX XXXX {$1200.00} Key points on why the account need to be removed from my credit report and is reporting inaccurate Statue of limitations account was opened in XXXX were in XXXX 8 Years Address not on my credit profile for the original allege debt Disputed in the pass and failed to contact me back regarding my dispute Account payment history is inaccurate and reporting wrong Accounts are the same and reporting from different companies & different prices thats double jeopardy & invalid pricing NEED TO BE REMOVED FROM CREDIT REPORT ASAP 4 different accounts reporting same matter but different prices and different payments

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