vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-03 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: AZ

Complaint narrative:
To Whom It May Concern : I want to emphasize the importance of accurate credit reporting, not only for my personal financial well-being but also for the integrity of the credit reporting system. It is imperative that credit reporting agencies like yours fulfill their obligations under the FCRA to ensure fair and transparent practices. The FCRA was put into place to protect consumer like myself, and other privacy and you will uphold the law!!! Or you will be liable to pay me {$1000.00} pursuant to 15 USC 1681n civil liability for non compliances.

For months, I have attempted to navigate the labyrinth of your dispute resolution process, hoping against hope for a resolution that never seems to materialize. Instead of finding solutions, I've encountered roadblocks, delays, and an overwhelming sense of frustration at every turn. It's disheartening to see how little regard your agency seems to have for the significant impact these errors can have on individuals like myself Pursuant to 15 USC 1681n Civil Liability for non complaint, due to several attempt, I have suffered financial damages and as a result your company owe me {$1000.00} plus my attorny fees which will be associated with me taking legal action. I am hoping you understand that my next option is this. Im hoping you understand I have kept a close record of all response from you.

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 2024-12-03 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: MN

Complaint narrative:
I am filing this complaint regarding multiple fraudulent accounts on my credit report that are not mine, including accounts from XXXX ( Account # XXXX and related accounts ), XXXX ( Account # XXXX and # XXXX ), and XXXX OF XXXX ( Account # XXXX ). These accounts show discrepancies in open dates and reporting details across credit bureaus, such as inconsistent dates ( e.g., XXXX XXXX XXXXXX/XX/year> TransUnion vs. XX/XX/year> XXXX and XXXX ), erroneous late payment histories, and false collection or charge-off statuses. These accounts were reported without prior written notification, in violation of 15 U.S. Code 1692g ( a ), which requires debt collectors to notify consumers within five days of reporting. The credit bureaus failed to ensure maximum accuracy in reporting, violating 15 U.S. Code 1681e ( b ). Despite my dispute, no validation of the debts was provided as mandated by 15 U.S. Code 1692g ( b ). Additionally, the fraudulent information has not been removed, which violates my rights under 15 U.S. Code 1681c-2 to block fraudulent accounts from my report. These actions also contravene 15 U.S. Code 1681s-2 ( b ), which requires data furnishers to verify and correct inaccurate information. I request an immediate investigation and the removal of all fraudulent accounts from my credit report, along with confirmation that they will not be re-reported. Failure to address this matter promptly has caused undue harm and damage to my creditworthiness. 
these are the accounts and some of them are duplicates : 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 2024-12-03 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: MN

Complaint narrative:
I am filing this complaint regarding multiple fraudulent accounts on my credit report that are not mine, including accounts from XXXX ( Account # XXXX and related accounts ), XXXX ( Account # XXXX and # XXXX ), anXXXX XXXX XXXX XXXX  ( Account # XXXX ). These accounts show discrepancies in open dates and reporting details across credit bureaus, such as inconsistent dates ( e.g., XXXX  : XX/XX/2013 XXXXXXXX XXXX XXXX XXXXXXXX and Equifax ), erroneous late payment histories, and false collection or charge-off statuses. These accounts were reported without prior written notification, in violation of XXXX5 U.S. Code 1692g ( a ), which requires debt collectors to notify consumers within five days of reporting. The credit bureaus failed to ensure maximum accuracy in reporting, violating 15 U.S. Code 1681e ( b ). Despite my dispute, no validation of the debts was provided as mandated by 15 U.S. Code 1692g ( b ). Additionally, the fraudulent information has not been removed, which violates my rights under 15 U.S. Code 1681c-2 to block fraudulent accounts from my report. These actions also contravene 15 U.S. Code 1681s-2 ( b ), which requires data furnishers to verify and correct inaccurate information. I request an immediate investigation and the removal of all fraudulent accounts from my credit report, along with confirmation that they will not be re-reported. Failure to address this matter promptly has caused undue harm and damage to my creditworthiness.

these are the accounts and some of them are duplicates : 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 response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: NJ

Complaint narrative:
Under the Fair Credit Reporting Act which is a Federal Law that governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ) Accuracy and fairness of credit reporting. ( 15 USC 1681 ( a ) 4 There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Permissible purposes of consumer reports. 15 U.S.C 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

This Credit Reporting Agency is under Federal Violation for using my Copyrighted information, therefore this credit reporting agency should remove all unwarranted information off my consumer credit report : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX. ALL HARD INQUIRES The Privacy Act of 1974 : Protects individuals : The act protects individuals from the collection, use, maintenance, and disclosure of their personal information. 
Requires notice : Agencies must notify the public of their record systems. 
Requires consent : Agencies can not disclose an individual 's record without their written consent. 
Provides access : Individuals can request access to and changes to their records. 
Establishes record-keeping requirements : The act sets forth requirements for how agencies keep 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 non-monetary relief
Consumer complaint received 2024-12-03 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: FL

Complaint narrative:
i have submitted disputes to you and i didnt get response within 30 days and ya 'll are required by law to do so. Please investigtes my disputes, please. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). 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 XXXXXX/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
Consumer complaint received 2024-12-03 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: NC

Complaint narrative:
I recently reviewed my credit report and noticed fraudulent activity on my report. Please remove all fraudulent activity as it is hurting my ability to obtain credit. Thank you.

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 2024-12-03 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: NC

Complaint narrative:
I don't have any idea about this account. This is purely identity theft. This account damaging my good credit reputation! 

DELETE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

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 Equifax XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXXXX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXEquifax I will never stop filing complaints against you because I know my rights!

In accordance with the Fair Credit Reporting act. This account 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 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 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: WA

Complaint narrative:
I am writing to formally address an issue regarding the accuracy of information being reported to consumer reporting agencies under my name. I believe that the information you provided is inaccurate, and I would like to remind you of your duties as a data furnisher under the Fair Credit Reporting Act ( FCRA ), specifically Section XXXX, and relevant Florida statutes XXXX AND XXXX XXXX XXXX REPORTING INACCURATE ACCOUNT INFORMATION I HAVE POINTED OUT ALL INACCURATE INFORMATION AND INCOMPLETE INFORMATION, AND ALSO THE MISSING INFORMATION. PURSUANT TO THE FCRA Obligations FCRA XXXX XXXX AND STATE LAW Statutes under XXXX it is unlawful for any person to make false statements regarding a consumer 's creditworthiness, and such actions XXXX lead to civil liability

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 2024-12-03 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: WA

Complaint narrative:
I am writing to formally address an issue regarding the accuracy of information being reported to consumer reporting agencies under my name. I believe that the information you provided is inaccurate, and I would like to remind you of your duties as a data furnisher under the Fair Credit Reporting Act ( FCRA ), specifically Section XXXX, and relevant Florida statutes XXXX AND XXXX XXXX XXXX REPORTING INACCURATE ACCOUNT INFORMATION I HAVE POINTED OUT ALL INACCURATE INFORMATION AND INCOMPLETE INFORMATION, AND ALSO THE MISSING INFORMATION. PURSUANT TO THE FCRA Obligations FCRA XXXX XXXX AND STATE LAW Statutes under XXXX it is unlawful for any person to make false statements regarding a consumer 's creditworthiness, and such actions XXXX lead to civil liability

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 2024-12-03 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 am writing to formally address an issue regarding the accuracy of information being reported to consumer reporting agencies under my name. I believe that the information you provided is inaccurate, and I would like to remind you of your duties as a data furnisher under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681s-2, and relevant Florida statutes XXXX AND XXXX XXXX XXXX REPORTING INACCURATE ACCOUNT INFORMATION I HAVE POINTED OUT ALL INACCURATE INFORMATION AND INCOMPLETE INFORMATION, AND ALSO THE MISSING INFORMATION. PURSUANT TO THE FCRA Obligations FCRA XXXX XXXX AND STATE LAW Statutes under XXXX it is unlawful for any person to make false statements regarding a consumer 's creditworthiness, and such actions XXXX lead to civil liability

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
Since 2019, I have paid the balance due on my Apple Card on time with no delinquencies and no problems. 

Part of this successful habit is due to the timely and reliable notices and reminders that appear directly on my XXXX XXXX as " notifications '', not unlike missed phone call alerts, or message reminders. These notifications have given me ample opportunity to take time to arrange the payment in advance of the due date. 

This month, I can not find a notification of the pending obligation in the XXXX interface on the phone. HOWEVER, I did see a notification immediately after the payment became overdue and {$36.00} in interest charges had been applied. 

In the absence of evidence that contradicts my experience, I fear that the notification mechanism that has been used to condition my payment behaviors has been intentionally removed or manipulated to increase the interest revenue collected from me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I keep on trying to log into my account via the website. Every time I enter my user name and password, I get a page that says " We're sorry, we hit a snag Looks like something went wrong, but we're working on it. Give it another try in a bit. '' I have restarted my password. Cleared my browser, history, cache, etc. I know this all my data was reset, because every other site that I use that requires a user name and password, I had to re-enter. I've been trying this for a few weeks now and want to access my account. Prior to this, I had no problem so I don't know what CapitalOne has done to cause this issue but I need it resolved so I can manage my account and finances. If that's not possible, I'll have to find a different provider where the online system does work.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EdFinancial Services
State: NC

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : EDFINANCIAL Last reported XX/XX/year>, Account name : EDFINANCIAL Last reported XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 
I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 USe 1681e ( b ). And according to 15 USC 1681 5 suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: CA

Complaint narrative:
I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Notice To Update My Personal Information To Whom It May Concern : I am writing to update/correct my personal information on file with your company. As there are a series of inconsistent, inaccurate and false information showing based on my observation. 
REMOVE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update my name to XXXX XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX My only employer is : I do not wish to have employers listed on my report for my safety and privacy I do not wish to have any telephone numbers on my report. 

I do not have any other names or aliases, and I do not desire any other names or aliases to be retained or reported on my credit profile. I do not have any other address or addresses associated with my name other than the address listed above. Please remove all the other addresses, names, social security numbers and phone numbers from my report, as they are not deliverable to me by the U.S. Post Office, or they are not associated with me and are not reportable as per FCRA, since they are inaccurate. Please send me my updated credit report showing these corrections made. Looking forward to your response. 

Sincerely, 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