vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK
State: NM

Complaint narrative:
Creditor broke Fair Credit Reporting Act : Privacy right breached 15USC1681602. Account info cant be shared without my written consent 15USC1681 604a2. Payment on credit card cant be considered late 15USCS1666b. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ). It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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 noticed fraudulent accounts on my credit report and I immediately notified the credit bureaus of this. I quickly sent them copies of my correct information along with the identity theft report, It has been 60 days and they are still reporting the fraudulent information and they have not investigated it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I noticed fraudulent accounts on my credit report and I immediately notified the credit bureaus of this. I quickly sent them copies of my correct information along with the identity theft report, It has been 60 days and they are still reporting the fraudulent information and they have not investigated it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: WA

Complaint narrative:
I have tried to get Equifax, XXXX and XXXX to get this corrected and they say its right and company responds as correct, and I provide letter from XXXX XXXX XXXX  on what they agreed on and its being paid as agreed upon and they Company still refuse to correct. XXXX, XXXX XXXX and XXXX XXXX. After so many attempts and sending my letters they refuse to correct. I want them deleted now and report corrected as to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 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.

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
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 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 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: EQUIFAX, INC.

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 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: GA

Complaint narrative:
I am writing to dispute the recent information provided regarding the payment made on concerning the debt allegedly owed to XXXX XXXX. This payment was made on time, and I possess evidence supporting this claim. 
According to my rights under 15 U.S. Code 1692j, it is unlawful to design, compile, and furnish any form with the knowledge that such form would create the false belief in a consumer that a person other than the creditor is participating in the colection or attempt to collect a debt. 
I request verification of the payment and urge you to review the evidence provided. It is imperative to rectify any inaccuracies promptly to avoid any further confusion or legal complications. 
Please provide detailed documentation verifying the receipt and processing of the payment in question. This should include the date of receipt, the method of payment, and confirmation that it was applied to my account in a timely manner. Aditionally, I request that any eroneous information regarding the payment be promptly corrected on my account and in any communications with credit reporting agencies. 
I expect a prompt response to this dispute within 15 days, in accordance with the timeframe stipulated by the Fair Debt Collection Practices Act. Failure to provide adequate verification or to rectify any inaccuracies may result in further legal action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/year>, I sent the letter to the credit reporting agency and they did not respond within the 30 day allotted time frame according to Fair Credit Reporting Act with Transunion, XXXX and XXXX. I was not notified of the investigation status. 

These accounts need to be deleted from my credit report : 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 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 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 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 XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act Convergent, has violated my rights. 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 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: ND

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several incorrect accounts. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that Credit Bureaus will investigate these items for me to ensure accuracy. here is the account I am asking you to verify as accurate. account name XXXX XXXX XXXX account number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: TX

Complaint narrative:
On XX/XX/XXXX I sent in a securitized collateral certificate application for an open ended consumer credit purchased charge card with a value of {$16000.00} as per Discover bank prospectus of XXXX. This exchange was done in accordance with electronic funds transfer act and security exchange act 1934. I received a notice in error stating that the application was denied it is to my understanding that this is due to no XXXX  credit score, yet upon further investigation on the prospectus states that all new receivables are transfer and deposited to the XXXX XXXX  charter. This Insures that I am a Valued private investor in the charter. This is very concerning. Im requesting either my securitized collateral certificate value be returned credited at {$16000.00} that it was sold for or whatever the current market value. Or the issuance of my open ended consumer credit purchased charge card rewarded for my security investment. As this securitized collateral certificate was sent as a new receivable to the trust immediately it is my understanding that I am unsecured bond private investor, who is entitled to the charge card that I purchased with in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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:
XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. ACCORDING TO FCRA Section 605B it is illegal to report information on my credit report without my permission thank you please remove this from my credit report XXXX XXXX  Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. ACCORDING TO FCRA Section 605B it is illegal to report information on my credit report without my permission thank you please remove this from my credit report XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. ACCORDING TO FCRA Section 605B it is illegal to report information on my credit report without my permission thank you please remove this from my credit report XXXX XXXX XXXX XXXX Lease with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. ACCORDING TO FCRA XXXX 605B it is illegal to report information on my credit report without my permission thank you please remove this from my credit report XXXX XXXXXXXX XXXX XXXX Secured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. ACCORDING TO FCRA Section 605B it is illegal to report information on my credit report without my permission thank you please remove this from 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 explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: NY

Complaint narrative:
southwest credit systems XXXX XXXX is reporting a collection on my XXXX credit report on behalf of XXXX XXXX for an account which I have no knowledge of. I have never given anyone permission to establish cable/cell service in my name with charter communications. Nor did I ever establish the service myself. 

Although the balanced owed is small {$220.00} and can be easily paid, I refuse to pay it because it is a debt that is fraudulent and not validated. I am requesting full verification and validation of the debt. if there is no signed paperwork or contract with my name and authorized signature, I want southwest credit system to delete the fraudulent debt from my XXXX credit report immediately. 

Note : XXXX has already deleted it after my dispute filing on XX/XX/2024 but XXXX refuse to remove it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 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: IN

Complaint narrative:
I have been disputing a XXXX  that is listed in my name that XXXX XXXX to me! I have NEVER filed a XXXX in my life and TRANSUNION is showing a XXXX XXXX XXXX XXXX XXXX in my name and has been since XXXX. There is nothing backing this on my credit report and they are illegally stating that it is verified as accurate by the company in which the XXXX XXXX  COURT DOES NOT and Ill repeat DOES NOT verify bankruptcies nor do they even report them to the credit companies. I was a victim of identity theft and TransUnion has all documents including a FTC ( federal trade commission ) identity theft report. This is NOT my public record and I have asked them XXXX times now to remove and they keep coming back saying verified as accurate by XXXX XXXX XXXX and that is a lie! They DONT verify or report anything! TransUnion used a XXXX party company that is reporting this information and it is not right. I have sent in a dispute letter and a response letter that was sent directly to me from the XXXX XXXX XXXXXXXX stating that they dont verify anything! TransUnion is the ONLY credit agency that is showing this! The Only credit agency! And the others arent because I DO NOT HAVE A XXXX  and I want this removed IMMEDIATELY I have sent in all the proper paperwork to support my dispute and TransUnion is breaking a law and the fair credit reporting act 605B statement that belongs to fair credit reporting act and they REFUSE to remove it and just keep coming back as verified as accurate and that is NOT TRUE!!! The courts DO NOT verify or report. So I am filing this complaint now because they are giving me a hard time about getting this deleted from my TransUnion 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 2024-04-08 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.

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXX/XX/XXXXXXXX Balance Owed : {$13000.00} XXXX XXXXXXXX Balance Owed : {$58000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXXXX/XX/XXXXXXXX Balance Owed : {$13000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX  XXXX Balance Owed : {$58000.00} XXXX XXXX Balance Owed : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 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.

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXXXXXX Balance Owed : {$58000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX  XXXX Balance Owed : {$58000.00} XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 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: TX

Complaint narrative:
XXXX addresses that are not mine removed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: TX

Complaint narrative:
XXXX addresses that are not mine removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 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 to dispute the following items off my credit report : XXXX : XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX {$2400.00} XXXX XXXX XXXX {$580.00} Experian : XXXX XXXX {$620.00} XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX {$580.00} XXXX : XXXX XXXX XX/XX/2022 XXXX XXXX XXXX {$10000.00} XXXX XXXXXXXX {$620.00} XXXXXXXX XXXX  XXXX {$2400.00} XXXX XXXX XXXX {$580.00} XXXX XXXX XXXXXXXX {$1400.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 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:
I am writing to request a reinvestigation into the accuracy of my credit report, specifically regarding the reporting of the XXXX account # XXXX by Experian. I have noticed significant discrepancies within the reported information, which are concerning given the importance of accurate credit reporting for consumers. 

Experian has claimed to have verified and updated the XXXX account # XXXX ; however, crucial details such as the first date of delinquency, date of last payment, and date of last activity are noticeably absent. Furthermore, the reported date of removal appears to be inaccurate. 

As mandated by the Fair Credit Reporting Act ( FCRA ), consumers are entitled to full transparency regarding the information contained in their credit files. It is imperative that I have access to accurate and comprehensive details concerning my credit history to make informed financial decisions and ensure fair treatment by creditors and lenders. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) initiate a thorough reinvestigation into the reporting of the XXXX account # XXXX by Experian. Specifically, I am seeking clarification on the method of verification employed by Experian and a comprehensive disclosure of all relevant details pertaining to this account. 

I trust that the CFPB will handle this matter with the utmost diligence and ensure that my rights as a consumer under the FCRA are upheld. I kindly request regular updates on the progress of the reinvestigation and any actions taken to rectify the inaccuracies 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 explanation
Consumer complaint received 2024-04-08 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: OH

Complaint narrative:
Despite communication with the company inaccurate information remains on my credit report. inquiries are shown on my credit report that were not authorized by myself that the company has failed to remove and is affecting my credit. 
XXXX XXXX  XX/XX/XXXX XXXX mortgage XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX mortgage 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 non-monetary relief