vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-11 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: PA

Complaint narrative:
From the Desk of XXXX XXXX Consumer Financial Protection Bureau XX/XX/2024 Dear Consumer Financial Protection Bureau, Per the FCRA, As a Federal Protected consumer, I am NOW OPT- OUT of ANY AND ALL authorization ; I the consumer may have given you written or unwritten, verbal and non- verbal Per 15 USC 6802. 



Regards, XXXX XXXX XXXX XXXX : BENEFICIARY

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AmeriCollect
State: GA

Complaint narrative:
I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Security Credit Services, LLC
State: OR

Complaint narrative:
Security Credit Services , LLC has continued to attempt on a alleged debt not owed in a fraudulent methods and extortion. They requested an affidavit of truth disputing this alleged debt owed. 

Security Credit services , llc will be given the benefit of the doubt and will not be held liable for damages if all collection actives and reporting is ceased within XXXX business days. Failure to do so, the consumer has the right to recourse against Security Credit Services , LLC and any other party involved in a XXXX XXXX court. 

Security Credit Services has been invoiced for the cost of damages accrued due to the the unlawful activity conduct by Security Credit Services which has harmed the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: FL

Complaint narrative:
I looked at my credit report on Date, and noticed some things are incomplete and not accurate. I sent a letter to XXXX on XXXX and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. They are breaking the law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 15 USC USC 1681i ( 5 ) it states that this ( 5 ) Treatment of inaccurate or unverified information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( I ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer reporting agency if- ( i ) the person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

This is unfair and if they are doing this to me imagine who else they are doing this too. 

Here are the list of accounts that are not reporting accurately 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 XXXXXXXX XXXX XXXXXXXX delete accounts immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ) Also these accounts are listed more than once on my credit reports!!!!!

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 2024-03-11 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: FL

Complaint narrative:
I looked at my credit report on Date, and noticed some things are incomplete and not accurate. I sent a letter to XXXX on Date and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. They are breaking the law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 15 USC USC 1681i ( 5 ) it states that this ( 5 ) Treatment of inaccurate or unverified information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( I ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer reporting agency if- ( i ) the person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
This is unfair and if they are doing this to me imagine who else they are doing this too. 

Here are the list of accounts that are not reporting accurately 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  delete accounts immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ) Also these accounts are listed more than once on my credit reports!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: LA

Complaint narrative:
XXXX is illegally reporting information on my credit report. Transworld notified the credit bureaus on XX/XX/year> of this alleged debt and neither Transworld or XXXX notified me within 5 business days of this debt. I get alerts today that XXXX lowered my credit score XXXX points and I am closing on a home next week and need this off of my credit report ASAP! Transworld has not notified me of this debt via mail nor did XXXX. This is a reinsertion which is illegal. 

This is NOT my debt! I am not liable for this debt! This is an illegal collection. Transworld has no license to collect debt in my state of residence. Also, This was being reported XX/XX/year> as a " reinsertion ''. I do not have a contract, purchase agreement or account with Transworld and I want them to remove this off of my credit report ASAP!!! My score has went down XXXX points because of this illegal debt. None of the credit bureaus or Transworld provided me a letter of this information within 5 business days under 12 CFR 1006.349 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( b ) ( 5 ), 15 U.S. Code 1681 ( c ) ( 2 ), 15 U.S. Code 1681 ( B ), 15 U.S. Code 1681 ( C ) ( 2 ), and 15 U.S. Code 1681 ( s ) ( 2 ). 
I have not supplied proof under Stoppel by silence Engelhardt v. Gravens ( MO ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore such debt, in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: FL

Complaint narrative:
I have been on my credit report lately and have seen after many tries to remove inaccuracies from all three agencies i have not been successful. so to me this CONSPIRACY against my credit report must be reported. more that XXXX discrepancies are reflecting on trans union XXXX Equifax and XXXX all inaccuracies that still hurt me and hinder me from living a productive life daily. In accordance with the fair house credit reporting act these credit reporting agencies have violated my rights under 15 usc 1681 section A section section 602 I have the right the privacy/ 15 usc 1681 section 604 a states a consumer reporting agency can not furnish an account without my written instruction./ 15 usc 1666b a creditor may not treat a late payment on a credit card account on an open end consumer plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: FL

Complaint narrative:
I have been on my credit report lately and have seen after many tries to remove inaccuracies from all three agencies i have not been successful. so to me this CONSPIRACY against my credit report must be reported. more that XXXX discrepancies are reflecting on trans union XXXX XXXX and Experian all XXXXnaccuracies that still hurt me and hinder me from living a productive life daily. In accordance with the fair house credit reporting act these credit reporting agencies have violated my rights under 15 usc 1681 section A section section 602 I have the right the privacy/ 15 usc 1681 section 604 a states a consumer reporting agency can not furnish an account without my written instruction./ 15 usc 1666b a creditor may not treat a late payment on a credit card account on an open end consumer plan as late for any purpose.

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 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX

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 2024-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Recovery Services, Inc.
State: MA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I have never lived in Texas. 
Collection from XXXX XXXX at XXXX XXXX XXXX XXXX, TX XXXX from the company XXXX XXXX XXXX XXXX, XXXX XXXX account ending in XXXX for {$940.00}. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX from the company XXXX XXXX XXXX XXXX account ending in XXXX for {$1900.00}. Also, theres these addresses as if I have lived in Texas : XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX, XXXX. I have never lived or been in Texas and I dont know anybody in Texas . I have only lived in XXXX XXXX XXXX  and in XXXX, MA and currently XXXX, MA.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a XXXX  in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust XXXX XXXX leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX - XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, Public Record - XXXX XXXX XXXX XXXX XXXXXXXX,

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 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Throughout, I've maintained timely payments on this account, ensuring they never lapse. I'm uncertain why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be rectified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following inquiries need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-03-11 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: IL

Complaint narrative:
I am deeply troubled by the inclusion of this late payment on my account, especially considering my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
I'm not sure what year it was. But it has been over 7 years and my ex husband opened this auto loan with credit acceptance. The car lot he got the car from is no longer open. The car was totaled out and insurance paid it off but credit acceptance is still trying to charge me for it. I have called and called and begged them to take this off my credit but they still want me to pay something to do that. I refuse to pay for something for one I never had in my possession and two the insurance has paid off

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 2024-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I filled a dispute for XXXX $ when I discovered the merchant was probably a scam and not sending any package. The merchant claimed to me in writing the package was cancled because of my dispute. They also later claimed they no longer have my money because I filled a dispute. I spoke with my bank because I had been unable to find a letter they sent me on XX/XX/XXXX. They said I have XXXX .month to upload documents. I believe this is incorrect as you have 90 days for an investigation. They are claiming it is to far past the XXXX month. I even tried to discuss it with a XXXX who just said that's not how this works we are given XXXX month by visa. I spoke to multiple people at the bank without getting any assistance including managers.

Company response to consumer: Closed with monetary relief