vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-14 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: IL

Complaint narrative:
I received a copy of my credit report. To my Surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$270.00}. According to FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-14 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: CA

Complaint narrative:
I am deeply disturbed by your ability to undermine my confidence in the banking system. The banking system is dependent upon fair and accurate consumer reporting, pursuant to 15USC1681 ( a ) ( 1 ). I noticed accounts that are on my consumer report ; List Accounts and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$260000.00} Pursuant to 15 USC 1681b, I am demanding to see in writing where I gave written instruction or permission to report this erroneous information on my Consumer Report.

A consumer reporting agency may furnish a consumer report under the following circumstances and no other with the written instruction to whom it relates.

When did I give Experian written permission to furnish this account on my consumer report when i was never notified or attended any court meeting? My social security number was used to furnish this account without my written permission on my consumer report. That is the definition of identity theft.

15 USC 1681Q Obtaining information, Under false pretenses. Any person ( PERSON- definition ) - Any individual, partnership, corporation, trust, estate, cooperative association , government or governmental subdivision or agency of entity.

That is the definition of IDENTITY THEFT.

15 USC 1681C 2- Block of information resulting from identity theft EXCEPT or otherwise provided in this section A consumer reporting agency SHALL BLOCK the reporting of any information in the file of a consumer that the consumer identifies information that resulted from an alleged identity, not later than 4 business days after the date of the receipt by such agency

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 2024-08-14 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: DC

Complaint narrative:
Privacy and Confidentiality under 15 USC 1681 XXXX XXXX XXXXXXXX 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Account needs to be removed from 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 2024-08-14 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: FL

Complaint narrative:
I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on [ XX/XX/year> ]. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries in Question : 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 explanation
Consumer complaint received 2024-08-14 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 have contacted Equifax multiple times about my credit report having incorrect information on my file My Name is XXXX XXXX, I am a victim of identity theft and have updated my supporting docs I want all inquires and accounts to be remove that I have enclosed in the report I also want a check of {$5000.00} as a settlement due to them causing damages in my finances and for violating my consumer rights and going creditors invalid information about my report or I will file for litigation as the XXXX negative accounts that are reporting negatively were all deleted and then re inserted back on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-14 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: FL

Complaint narrative:
Starting in XX/XX/year> I begin disputing the bankruptcy via the CRAs as well as the Bankruptcy court and And all secondary bureaus. However, the bankruptcy support provided me with documentation stating they never reported that information to anyone any information obtained via a public record. I also contacted XXXX XXXX, who also verified they did not receive this information. Accurately they received it from another third-party source of a public record. I asked numerous times to have the bankruptcy deleted from trans union. All other CRA have followed the guidelines for consumer reporting however, Trans Union has failed to do so on numerous occasions they continue to report the inaccurate information on my credit report that is my ability to move forward in life, and it is also defamation of character. Trans Union has failed to send me the information that I requested on several times. It has been over a year now a year and a half and I asked that the bankruptcy be immediately removed off my credit report or I will seek legal actions under the 15, USC 1681 ( I ) for an accurate information reported on a consumer credit report. also, it is not a XXXX to compliance because Trans Union is the only CRA still in accurately reporting the other XXXX credit bureaus removed and deleted the inaccurate information as requested because they know that they never verified it and it was a violation of my consumer right Trans Union failed to do so I would like to sue them.

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 2024-08-14 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: NJ

Complaint narrative:
Hey, I was viewing my credit report and noticed that my personal information is incorrect. I would like to correct this information. 

NAME : XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, NJ XXXX PHONE NUMBER : XXXX DATE OF BIRTH : 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 2024-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Uetsa Tsakits, Inc. d/b/a MaxLend
State: KY

Complaint narrative:
I agreed to an installment-based payday loan on a term of 18-months at 635 % APR ( which already seems predatory ), but I needed the money just until I got paid the following week, ( today ), so I agreed to the terms while making it very clear to the loan processing agent on the phone that I fully intended to pay off the loan on the day that the first payment was due ( today, XX/XX/year> ). This morning at XXXX eastern time, my paycheck cleared my bank account, and so I attempted to place a payment order on MaxLends website. The Make a Payment button was completely grayed out with no explanation and no way for me to access their payment portal. I attempted to call Customer Service, but received an after-hours message, so I turned to their online chat-help. The agent, named XXXX, initially refused to accept any payment I was trying to offer ( including full and complete payment of the loan ), citing a policy that payments had to be ordered by XXXX eastern time the prior day, without offering to place one for the next day. She redirected me to try calling Customer Service during business hours, instead of offering to place a payment order for the following day herself. When I pushed her on this, she said I agreed to this process in the loan agreement, even though the loan agreement accepts pre-payments with no penalty. Eventually she relented to placing a payment order for the following day, but the payment amount that she quoted was so completely inaccurate that I can only assume she was actively trying to mislead me, as it was the biweekly payment amount for the next loan installment she was trying to get me to agree to processing, rather than the total loan amount. Between actively refusing to accept payment to clear the loan, lying about the amount needing to be paid to prolong interest accrual on a predatory loan at 635 % APR, and the fact that they have apparently from what Ive read lost their lending license for prior abuse of consumers, I am formally issuing this complaint against MaxLend

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.

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 2024-08-14 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: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-14 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: BANC OF CALIFORNIA, INC.
State: CA

Complaint narrative:
I am deeply disturbed by your ability to undermine my confidence in the banking system. The banking system is dependent upon fair and accurate consumer reporting, pursuant to 15USC1681 ( a ) ( 1 ). I noticed accounts that are on my consumer report ; List Accounts and Acc # s *BANC OF CALIFORNIA XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX IN QUESTION : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX CA XXXX Account # XXXX Balance : {$260000.00} Pursuant to 15 USC 1681b, I am demanding to see in writing where I gave written instruction or permission to report this erroneous information on my Consumer Report.

A consumer reporting agency may furnish a consumer report under the following circumstances and no other with the written instruction to whom it relates. 

When did I give XXXX written permission to furnish this account on my consumer report when i was never notified or attended any court meeting? My social security number was used to furnish this account without my written permission on my consumer report. That is the definition of identity theft. 

15 USC 1681Q Obtaining information, Under false pretenses. Any person ( PERSON- definition ) - Any individual, partnership, corporation, trust, estate, cooperative association , government or governmental subdivision or agency of entity.

That is the definition of IDENTITY THEFT.

15 USC 1681C 2- Block of information resulting from identity theft EXCEPT or otherwise provided in this section A consumer reporting agency SHALL BLOCK the reporting of any information in the file of a consumer that the consumer identifies information that resulted from an alleged identity, not later than 4 business days after the date of the receipt by such agency

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 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:
XXXX, Equifax, and XXXX are violating my consumer rights by reporting incomplete, inaccurate, and authorized information. The Fair Credit Reporting Act clearly states that the credit reporting agencies have a duty of reporting information that is 100 % accurate or else they are civilly liable. I need all inaccurate, incomplete and unauthorized accounts removed immediately. Under penalty of perjury, I swear these accounts are false and misleading and are a result of the Equifax XXXX XXXX, the XXXX XXXX XXXX, and XXXX XXXX Breach. Remove all accounts immediately! This is a Direct Violation of The FCRA by Reporting falsely

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-14 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: TX

Complaint narrative:
XXXX, XXXX, and Experian are violating my consumer rights by reporting incomplete, inaccurate, and authorized information. The Fair Credit Reporting Act clearly states that the credit reporting agencies have a duty of reporting information that is 100 % accurate or else they are civilly liable. I need all inaccurate, incomplete and unauthorized accounts removed immediately. Under penalty of perjury, I swear these accounts are false and misleading and are a result of the XXXX XXXX XXXX, the XXXX XXXX XXXX, and Experian Data Breach. Remove all accounts immediately! This is a Direct Violation of The FCRA by Reporting falsely

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 2024-08-14 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: IL

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. Actually I am not sure that the accounts are even mine though your company claims to have verified this. 
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 TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, XXXX XXXX, 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 creditor/CA 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. 

ACCOUNTS : XXXX XXXX XXXX and 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 2024-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: TX

Complaint narrative:
Hunter warfield has added a debt collection debt in my credit report when that information does not match my social security number this is probably due to mismatch name or DOB, But I have never sign a lease contract with hunter or XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
I am unaware of this debt and was never given the opportunity to dispute it before it appeared on my consumer report, as I did not receive proper notification. This lack of notice is a violation of my rights, and I will not tolerate it. 

If you claim that I did receive proper notification, then I demand you provide the CERTIFIED mail receipt, including my signature, proving that I received such notification at least five days before this debt appeared on my consumer report, as required by 15 U.S.C. 1692g ( Validation of Debts ).

I am fully aware of my legal rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). These laws grant me the right to dispute the validity of this debt, and they require you to provide verifiable validation of this debt upon my request. If you can not produce a certified copy of my signature, confirming that I received proper notification of this debt, I demand that this collection/charged-off account be immediately and permanently removed from my credit report. 

My name is XXXX XXXX, a XXXX XXXX man who has worked tirelessly to build a better life. Systemic racism has repeatedly impacted my financial situation. Recently, I became a victim of identity theft, resulting in fraudulent accounts on my credit report, further damaging my score. 

Despite the protections of the Equal Credit Opportunity Act ( 15 U.S.C. 1691 ), my case has not been handled fairly, likely due to XXXX bias. This identity theft has severely impacted my ability to secure a higher-paying job, essential for survival in todays economy. I am now at risk of homelessness due to inflated costs and this unjust situation. 

For 30 years, my credit history has been a constant struggle, worsened by systemic XXXX biases. As a responsible, literate XXXX XXXX  with a higher credit score, these fraudulent charges feel like an attempt to keep a XXXX person down, with a boot on my neck. I demand the immediate removal of this account and respect for my rights under the ECOA, FDCPA, and FCRA. 

Fraudulent Account Details Below : Collection Agency Name : Amsher Collection Services Account Number : XXXX Balance : {$510.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 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: IL

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 ), and XXXX XXXX XXXX, Equifax, XXXX XXXX, 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 creditor/CA 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. 

ACCOUNTS : XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-14 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: TX

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts form my report, they are hurting my ability to obtain credit.

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