vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-11 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: HI

Complaint narrative:
I have received a copy of my consumer reports today XX/XX/2024, and I notice you have furnished transactions on my consumer report that are excluded by law as per FCRA 15 USC 1681a 2Ai.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; A consumers transactions are excluded from the consumer reports.

FICO and or any other risk score or algorithm that you use to calculate a consumer 's credit score, is not a factor where the consumer report is concerned! Definition of what the consumer report means.

consumer report- consumer report In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 
FICO or none of its factors, are not defined or included in the definition of the consumer report! Therefore, the reporting of transactions between the consumer ( XXXX ) and the person XXXX XXXX XXXX XXXXXXXX ) is a violation of 15 USC 1681a. The definition of the consumer report does not include FICO or XXXX, which makes their factors or algorithm not a factor where the consumer report is concerned. 

You have furnished transaction information on the following accounts :. 
( List accounts with late payments. ) Account XXXX XXXX XXXX XXXX : All late payments shown shall be updated to paid as agreed and in good standing as shown in the comment section of my XXXX XXXX report, per the FCRAs Law, to be fair and accurate. XXXX must update this account as paid as agreed and in good standing as shown on my XXXX consumer reports comment and section to be 100 % accurate and complete as shown in the attached file. 

So please Delete these late payments on this account per 15 USC 1666b ( a ) Time to make payments Acreditormay not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Thank you for your time, and I know that as a company that follows consumer laws and their practices, you will do the right thing set forth by US Congress 15 US Codes. and make sure my consumer has no inaccuracies and errors.

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 2024-02-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: NC

Complaint narrative:
I feel that they are over charging on their late fees. 
They have this on my billing statement ... ..... 
If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to {$41.00}. 
If you make only the minimum payment each period, you will pay more in interest and it will take longer to pay off your balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I negotiated a charged off account with XXXX XXXX with Citibank reps for the amount XXXX to be paid by XX/XX/2024 and I paid this on XX/XX/2024. On the letter from Citi it states this account would be reported on my credit as " Settled ''. As of today they reported this as a payment was made and they did not change the status to " SETTLED ''. This is clearly a breach of contract as I am in receipt of the letter from Citi and my bank statement and confirmation number from the companies rep that I paid on XXXX. I have included a copy of the settlement letter, copy of bank payment proof and copy of todays credit bureau showing this account only as a payment was made. Confirmation of the payment is : XXXX Repesentative ID : 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 2024-02-11 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-11 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: PA

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.

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 2024-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Account : XXXX XXXX XXXX I recently became aware of an account that has been attributed to me, and I believe this information is inaccurate and fraudulent. 
I have previously requested that this company provide the purchase agreement. Additionally, I am seeking copies of any relevant documents associated with this account so that I may thoroughly review the details. It is essential for me to verify the legitimacy of this account and confirm whether it indeed belongs to me.

I kindly request that you promptly provide the requested documentation. This companies failure to send requested information is considered a violation of the Fair Credit Reporting Act.

Furthermore, I insist on the immediate removal of this disputed account from my credit report until such time as the requested documentation is provided and its accuracy is verified.

Thank you for your cooperation in resolving this dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-11 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: MI

Complaint narrative:
I have a Privacy issue related to my credit report, specifically in connection with the account provided by [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXursuant to the Gramm-Leach-Bliley Act ( GLBA ), I am seeking clarification and resolution regarding the privacy of my personal information. I believe there may be a violation of the GLBA, which mandates the protection of non-public personal information. To address this concern, I am requesting the following information : 1.Detailed Explanation : Please provide a detailed explanation of how my non-public personal information is being handled, including the measures in place to ensure its confidentiality and the entities with whom it has been shared.

2.Opt-In Documentation : As required by GLBA, I requested documentation confirming that I have explicitly opted-in for the sharing of my non-public personal information.

This includes any initial notices provided to me at the establishment of the customer relationship.

3. Written Contracts and Agreements : Provide any written contracts or agreements between myself and the data furnisher explicitly granting permission to share my non-public personal information.

4.Furnish any documents bearing my signature, confirming my explicit consent to data furnishers ( OPT-IN ) the sharing of personal information.

Failure to provide the requested documentation within a timely manner of 30 days from the receipt of this letter may compel me to pursue further action, including filing a complaint with regulatory authorities. It is crucial to address this matter promptly and transparently to ensure compliance with GLBA regulations I appreciate your immediate attention to this matter and look forward to a prompt resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
TransUnion, XXXX, and XXXX continue to report these XXXX XXXX accounts incorrectly. The application acts as the security do I can not be late or owe a collection when the interest of the account settles all balances. The credit bureaus are violating federal law by reporting this information when it is not accurate. TransUnion, XXXX, and XXXX are paid to furnish consumer information but you need the consumers written or expressed consent to provide this information. I have given no such consent to use my information to report negative information about me to damage my character and prevent me from obtaining credit that is my right. Produce any document with my signature that states I give you permission to use my name.

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 2024-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2024-02-11 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: MI

Complaint narrative:
I have a Privacy issue related to my credit report, specifically in connection with the account provided by [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Pursuant to the Gramm-Leach-Bliley Act ( GLBA ), I am seeking clarification and resolution regarding the privacy of my personal information. I believe there may be a violation of the GLBA, which mandates the protection of non-public personal information. To address this concern, I am requesting the following information : 1.Detailed Explanation : Please provide a detailed explanation of how my non-public personal information is being handled, including the measures in place to ensure its confidentiality and the entities with whom it has been shared.

2.Opt-In Documentation : As required by GLBA, I requested documentation confirming that I have explicitly opted-in for the sharing of my non-public personal information.

This includes any initial notices provided to me at the establishment of the customer relationship.

3. Written Contracts and Agreements : Provide any written contracts or agreements between myself and the data furnisher explicitly granting permission to share my non-public personal information.

4.Furnish any documents bearing my signature, confirming my explicit consent to data furnishers ( OPT-IN ) the sharing of personal information.

Failure to provide the requested documentation within a timely manner of 30 days from the receipt of this letter may compel me to pursue further action, including filing a complaint with regulatory authorities. It is crucial to address this matter promptly and transparently to ensure compliance with GLBA regulations I appreciate your immediate attention to this matter and look forward to a prompt resolution.

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 2024-02-11 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: MI

Complaint narrative:
I have a Privacy issue related to my credit report, specifically in connection with the account provided by [ XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX Dept of edXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX  ]. Pursuant to the Gramm-Leach-Bliley Act ( GLBA ), I am seeking clarification and resolution regarding the privacy of my personal information. I believe there may be a violation of the GLBA, which mandates the protection of non-public personal information. To address this concern, I am requesting the following information : 1.Detailed Explanation : Please provide a detailed explanation of how my non-public personal information is being handled, including the measures in place to ensure its confidentiality and the entities with whom it has been shared.

2.Opt-In Documentation : As required by GLBA, I requested documentation confirming that I have explicitly opted-in for the sharing of my non-public personal information.

This includes any initial notices provided to me at the establishment of the customer relationship.

3. Written Contracts and Agreements : Provide any written contracts or agreements between myself and the data furnisher explicitly granting permission to share my non-public personal information.

4.Furnish any documents bearing my signature, confirming my explicit consent to data furnishers ( OPT-IN ) the sharing of personal information.

Failure to provide the requested documentation within a timely manner of 30 days from the receipt of this letter may compel me to pursue further action, including filing a complaint with regulatory authorities. It is crucial to address this matter promptly and transparently to ensure compliance with GLBA regulations I appreciate your immediate attention to this matter and look forward to a prompt resolution.

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 2024-02-11 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: MI

Complaint narrative:
XXXX, XXXX, and Equifax continue to report these XXXX XXXX accounts incorrectly. The application acts as the security do I can not be late or owe a collection when the interest of the account settles all balances. The credit bureaus are violating federal law by reporting this information when it is not accurate. XXXX, XXXX, and Equifax are paid to furnish consumer information but you need the consumers written or expressed consent to provide this information. I have given no such consent to use my information to report negative information about me to damage my character and prevent me from obtaining credit that is my right. Produce any document with my signature that states I give you permission to use my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX, Experian, and XXXX continue to report these XXXX XXXX accounts incorrectly. The application acts as the security do I can not be late or owe a collection when the interest of the account settles all balances. The credit bureaus are violating federal law by reporting this information when it is not accurate. XXXX, Experian, and XXXX are paid to furnish consumer information but you need the consumers written or expressed consent to provide this information. I have given no such consent to use my information to report negative information about me to damage my character and prevent me from obtaining credit that is my right. Produce any document with my signature that states I give you permission to use my name.

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