vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-06 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: CA

Complaint narrative:
Bank XXXX XXXX appears on my credit score. I do not have a XXXX XXXX XXXX card and I have never applied for one. 
Account info Account name XXXX XXXX  XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Open/Never late. 
Status updated XX/XX/XXXX Balance {$460.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment {$25.00} Credit limit {$5000.00} Highest balance {$1000.00} Hard Inquiry : XXXXXXXX XXXX XXXXXXXX Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Record details Inquired on XX/XX/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 2024-06-06 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: FL

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc.
State: NY

Complaint narrative:
MY NAME : XXXX XXXX XXXX XXXX XXXX TODAY 'S DATE XXXX SS # XXXX ADDRESS XXXX XXXX XXXX XXXX NY XXXX i have requested my consumer report from innovis XX/XX/year> i have noticed a fraud account. ACCOUNT NAME : XXXX XXXX  STATUS : CHARGED OFF ACCOUNT # : ... XXXX HIGHEST BALANCE {$34000.00} CREDITOR CONTACT XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX ( XXXX ) XXXX I ASK FOR THIS ACCOUNT TO BE PROPERLY INVESTIGATED AND TO BE DELETED AND REMOVED FROM MY INNOVIS CONSUMER REPORT US CODE 15 1681 E ( B ) 15 US CODE 1681 ( 5 ) US CODE 15 1681C US CODE 15 1638 US CODE 15 2509 US CODE 15 1679C

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I am disputing the late payment history on my credit report. Please provide documents to support these late payment remarks. Additionally, I request that all inaccurate information on my credit report be updated promptly. Your prompt attention to this matter is appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-06 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: TX

Complaint narrative:
I contacted Transunion about a dispute on my credit report from a collection agency called, " XXXX XXXX XXXXXXXX '' and I asked them to have XXXXXXXX XXXX XXXXXXXX provide the original contract obligation that they say this debt stems from. 
XXXX XXXX XXXXXXXX didn't and couldn't yet transunion still has this account listed on my credit report. 

XXXX XXXX XXXXXXXX are currently being sued for fraud in reporting this false debt on 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 2024-06-06 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX Account name : XXXX # XXXX has violated my rights. 

15 U.S.C. 1681 602 A. States I have rights to privacy.

15 U.S.C. 1681 604 A ( 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681 C. ( A ) ( 5 ) Sections states : no consumer reporting agency may make any consumer report containing any of the following items of information and other adverse item information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681 S-2 ( A ) ( 1 ) A person shall 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.

15 U.S.C 6802 ( A ) a financial institution may not directly or though any affiliate, disclose to a nonaffiliated third party any nonpublic personal information unless such financial institution provides or has provided to the consumer a notice that complies with section 6803, Obligations with respect to disclosures of personal information.

15 U.S.C. 6802 ( B ) The consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-06-06 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: CA

Complaint narrative:
The bankruptcy currently listed on my credit report is inaccurately represented. The case indicated as valid and accurate is, in fact, erroneous. There has been no trial or judgment associated with this case. Without a judgment, there can be no valid case. 
It is imperative that you promptly remove this account from my credit file. The Bankruptcy XXXX XXXX case number XXXX should be deleted immediately as it is fraudulent. XXXX XXXX : Bankruptcy 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 2024-06-06 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: CA

Complaint narrative:
XXXX XXXX XXXXXXXX appears on my credit score. I do not have a XXXX XXXX XXXXXXXX card and I have never applied for one. 
Account info Account name XXXX XXXX XXXXXXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Open/Never late. 
Status updated XX/XX/XXXX Balance {$460.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment {$25.00} Credit limit {$5000.00} Highest balance {$1000.00} Hard Inquiry : XXXXXXXX XXXX XXXXXXXX Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Record details Inquired on XX/XX/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 2024-06-06 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: AR

Complaint narrative:
I am disputing the late payment history on my credit report. Please provide documents to support these late payment remarks. Additionally, I request that all inaccurate information on my credit report be updated promptly. Your prompt attention to this matter is appreciated.

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 2024-06-06 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: AR

Complaint narrative:
I am disputing the late payment history on my credit report. Please provide documents to support these late payment remarks. Additionally, I request that all inaccurate information on my credit report be updated promptly. Your prompt attention to this matter is appreciated.

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 2024-06-06 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: NCB Management Services Inc.
State: IL

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Account : XXXX To Whom It May Concern : I am writing in regard to the above-referenced accounts and transactions. This vehicle was repossessed by ( Original Creditor ) in the State of Illinois on or about, XX/XX/XXXX, and resold on or about XX/XX/XXXX .Under the laws of the State of Illinois UCC 810 ILCS 5 and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. 

If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 
In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC 9 remedies. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I just looked over my credit report, which seriously depressed me since I discovered items that your firm failed to verify were true, erroneous, suspicious, and unverifiable. 

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681e ( c ), as well as the Fair Credit Reporting Act, all information on my credit report must be 100 % correct. These accounts violate Code 1681i ( 5 ) by not reporting information that is 100 % correct. I've included copies of every letter you sent below.

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 2024-06-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I just looked over my credit report, which seriously depressed me since I discovered items that your firm failed to verify were true, erroneous, suspicious, and unverifiable. 

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681e ( c ), as well as the Fair Credit Reporting Act, all information on my credit report must be 100 % correct. These accounts violate Code 1681i ( 5 ) by not reporting information that is 100 % correct. I've included copies of every letter you sent below.

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 2024-06-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

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 2024-06-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

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 2024-06-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: TN

Complaint narrative:
On XX/XX/2024, I noticed several features were not working correctly on my Discover Card app. I called to check on the status of my account. I was informed that my account was closed because I did not reply to an email that they claim was sent in XX/XX/2024. I did not receive this email, nor did I receive a letter in the mail or a phone call. They claimed that since I did not reply to their email, that my account was closed on XX/XX/2024. I did not receive any notification whatsoever that my account was at risk of being closed. During this time, I was working with my mortgage company to get a home equity loan. Part of the proceeds of this loan was used to pay off my Discover card balance. I even called Discover card and communicated with them what I was doing and why. There was a delay in closing the home equity loan and it caused a payment to be late. I called discover and they even refunded the late fee. At no time did they indicate anything that made me thing that my account was at any risk whatsoever. Shortly after they refunded my late fee, the account was paid off and is at XXXX balance as of now. Not knowing that I do not have this credit has greatly impacted me and my family as well as the damages that it will cause when my credit score drops due to their fraudulent and deception. I have the legal right for, at very least a letter of intended adverse action. I did not receive any notification whatsoever, not even on my app, which is how I always monitor this account. Ive been a good customer in good standing for 8 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: FL

Complaint narrative:
On XXXX XXXX this company notified me that I owed this debt to them. I responded to their letter on XX/XX/XXXX to ask them to verify the debt and that I owed them, they are not the original creditor and I never received a letter from them, informing me that they were going to place this account in collection status. 
They responded to my letter on XX/XX/XXXX via email with the same collection letter and an itemized list of things. I responded on XX/XX/XXXX informing them that an itemized list of charges is not validating the debt. 

This company continues to attempt to collect debt from me, although they are not legally licensed in the state of Florida and therefore should not be attempting to can not collect any debt from me in the first place. They have damaged my credit and this has caused me to be homeless because I can not lease a place to live because of this collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
My online account had been locked out due to an incorrect password. When I called to reset my password, Citibank informed me that they decided to, at some point, close my savings account. The reason would be mailed to be in 30 to 60 days along with a check with the amount of my savings account. This is an issue because all of money that I need now is in that account including for mortgage and a credit card bill that I need to pay by the XXXX of the month. When I told them I needed the money as soon as possible they told me I could not get that money now and I would need to go to the nearest branch. However, I live in XXXX where there is NO branch and so I can not access a bank in person. They are refusing to give me my money that I need right now to live and make my 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 monetary relief
Consumer complaint received 2024-06-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 2024-06-07 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:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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