vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-19 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: OK

Complaint narrative:
I disputed these items by mail on XX/XX/XXXX, however you continue to report them after your investigation. Please reinvestigate these matters and delete the disputed information as soon as possible. Thank you for your assistance ID THEFT ACCOUNTS XXXX : Account # XXXX Opened on XX/XX/XXXX and a balance of {$1100.00}. 
REQUEST : DELETE THIS ACCOUNT REASON FOR DELETION : ID THEFT ( NOT MINE OR NO KNOWLEDGE OF THIS ACCOUNT ) ***XXXX HAS SINCE DELETED THIS ACCOUNT DUE TO ID THEFT ( See attached documents ) XXXX : Account # XXXX Opened on XX/XX/XXXX and has a balance of {$600.00}. 
REQUEST : DELETE THIS ACCOUNT REASON FOR DELETION : ID THEFT ( NOT MINE OR NO KNOWLEDGE OF THIS ACCOUNT ) ***XXXX HAS SINCE DELETED THIS ACCOUNT DUE TO ID THEFT ( See attached documents ) INACCURATE ACCOUNTS XXXX XXXX  : Account # XXXX REASON : INACCURATE REPORTING This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete this account. 
REQUEST : DELETE THIS ACCOUNT ADDITIONAL INACCURACIES : The Date Of Last Payment : XXXX ( XX/XX/XXXX ), Equifax ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ) The Date Last Active : XXXX ( XX/XX/XXXX ), Equifax ( XXXX ), XXXX ( XX/XX/XXXX ) I can not verify that this account is 100 % accurate so it is deemed INACCURATE. 

XXXXXXXX XXXX : Account # XXXX REASON : INACCURATE REPORTING This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete this account. 
REQUEST : DELETE THIS ACCOUNT ADDITIONAL INACCURACIES : The Date Of Last Payment : XXXX ( XX/XX/XXXX ), Equifax ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ) The Date Last Active : XXXX ( XX/XX/XXXX ), Equifax XX/XX/XXXX ), XXXX ( XX/XX/XXXX ) I can not verify that this account is 100 % accurate so it is deemed INACCURATE. 

XXXX XXXX : Account # XXXX REASON : XXXX XXXX According to my records this account is too old to be on my report and is obsolete. 

REQUEST : DELETE THIS ACCOUNT ***XXXX HAS SINCE DELETED THIS ACCOUNT DUE TO AGE XXXX XXXX : Account # XXXX REASON : INACCURATE REPORTING I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 
REQUEST : DELETE THIS ACCOUNT ADDITIONAL INACCURACIES : The Date Of Last Payment : XXXX ( XX/XX/XXXX ), Equifax ( XXXX ), XXXX ( XX/XX/XXXX ) Account Status : XXXX ( XXXX ), Equifax ( XXXX ), XXXX ( XXXX ) Payment Status : XXXX ( XXXX ), Equifax ( XXXX XXXX XXXX ), XXXX ( XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19 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 am writing to bring to your attention certain concerns regarding the reporting practices of consumer reporting agencies, specifically XXXX, XXXX, and Experian, in accordance with the Fair Credit Reporting Act ( FCRA ). As well as the Furnishers of Information to the Credit Agencies in accordance with the Opt Out Laws

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 2023-12-19 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: TN

Complaint narrative:
Experian is in violation of multiple provisions of the United States Code specifically, 15 USC 1681b, 15 USC 1681a, 15 USC 6801, 15 USC 6802, and the GLB Act. I am also referencing the potential penalties outlined in 15 USC 1681n. It has come to my attention that my credit report contains transactions and experiences that not only are NOT allowed in the report, but that were submitted without my written authorization

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Advantage LNS Inc.
State: TX

Complaint narrative:
On XX/XX/2023, I contacted National Credit Audit Corporation regarding an alleged debt they claimed I owed. Due to being a victim of identity theft, I promptly requested a debt validation letter to verify the legitimacy of the purported debt. Regrettably, rather than cooperating with this request, their representatives responded with hostility, aggression, and a refusal to provide the necessary documentation. 

Throughout my discussions with their representatives, specifically XXXX and XXXX, I endured verbal abuse, raised voices, and intimidation. Their behavior was not only unprofessional but also deeply distressing. Despite attempting to communicate calmly and assert my rights under the FDCPA, I was met with further hostility, they raised their voices, yelled at me, and failed to address my legitimate concerns, and the calls were abruptly terminated on numerous occasions. 

Moreover, despite subsequent attempts to contact other representatives at National Credit Audit Corporation for assistance or clarification, I was consistently directed back to the individuals who had previously mistreated me. This created an environment of discomfort and apprehension, making it seemingly impossible to resolve this matter without facing further mistreatment. 

Furthermore, their insinuation that I was dishonest about the debt not belonging to me was profoundly distressing. As an identity theft victim, I am seeking resolution and clarification regarding the debts in question. Their refusal to cooperate, coupled with their disrespectful and abusive conduct, has compounded the distress caused by the initial identity theft incident. 

I firmly believe that National Credit Audit Corporation 's actions not only violate the FDCPA but also disregard fundamental ethical principles in their interactions with consumers. I respectfully request that the CFPB investigates this matter thoroughly and takes appropriate action to ensure that consumers are treated fairly and respectfully in accordance with the law. 

I kindly ask the CFPB to intervene and initiate an inquiry into the practices of National Credit Audit Corporation. I am also seeking your assistance in resolving this matter and obtaining the necessary validation of the debt as per my rights under the FDCPA and disputing it. 

Thank you for your immediate attention to this matter. I trust that the CFPB will take the necessary steps to address this issue and safeguard consumers from the unacceptable behavior exhibited by National Credit Audit Corporation. Below is the debt collector company. 

National Credit Audit Corporation XXXX XXXX XXXX, XXXX, TX XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My name has been legally changed through the social security administration. I am nothing more than a number, therefore, when my name is changed legally, when I apply for loans or things of that nature, I should not be told that I do not exist. I have already done my part in changing my name. Any and all credit agencies who do a credit check on my social should not deny my existence. I didn't have to jump through hoops when my name was changed when I got married, why should I have to jump through hoops because I'm XXXX? I can't even edit my name on this form!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have previously sent multiple letters XX/XX/XXXX and XX/XX/XXXX requesting validation and verification of a bankruptcy on my report. According to 15 USC 1681 accuracy and fairness of credit reporting! Consumer reporting agencies adopt reasonable procedures, for meeting the needs of commerce for consumer, credit personnel, insurance, and other information in a manner which is fair and equitable to the consumer with regards to confidentiality accuracy, relevancy and proper utilization of such information in accordance with the requirements of that chapter. Also, transaction and experiences between a consumer and a person making the report shall not be reported. Any payment history, ultilization, history, status, remarks, limit and balance are all part of transaction and experiences so it should be deleted per federal definition of consumer report! 
I have yet to receive any validation or verification of this bankruptcy. I have personally contacted the us bankruptcy court and they DO NOT report to any credit reporting agencies. Per 15 USC 1692j it is unlawful to design, compile and furnish. Any form knowing that such form would be used to create the false belief in a consumer, that a person other than the creditor of such consumer, is participating in the collection of or in an attempt to collect a debt such, consumer allegedly owes such creditor. When in fact such person is not participating. Consumer reporting agencies must delete inaccurate, incomplete or unverifiable information.

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 2023-12-19 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: MO

Complaint narrative:
The account is paid in full. I have a XXXX balance and the verification was emailed out to me on XX/XX/2023. However, it is still showing on my credit report for the full amount of {$200.00}, XXXX. Each time I dispute it with the credit companies I get a notice stating that XXXX is reporting that the amount they have is verified. Each time I call XXXX they tell me that they are not reporting that amount to the credit companies and there is nothing they can do to help me.

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 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have sent out an opt notice that I have attached to XXXX XXXX  per 16 CFR 313.7. XXXX XXXX  disclosed my personal information to nonaffiliated third parties including XXXX, XXXX, and Transunion. This directly goes against the Privacy Act of 1974. I sent XXXX XXXX  a letter notifying them of this issue on XX/XX/XXXX and I have not received a response or a resolution of this issue.

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 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have sent out an opt notice that I have attached to XXXX XXXX  per 16 CFR 313.7. XXXX XXXX disclosed my personal information to nonaffiliated third parties including XXXX, Equifax, and XXXX. This directly goes against the Privacy Act of 1974. I sent XXXX XXXX  a letter notifying them of this issue on XX/XX/XXXX and I have not received a response or a resolution of this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have sent out an opt notice that I have attached to XXXX XXXX  per 16 CFR 313.7. XXXX XXXX  disclosed my personal information to nonaffiliated third parties including Experian, XXXX, and XXXX. This directly goes against the Privacy Act of 1974. I sent XXXX XXXX  a letter notifying them of this issue on XX/XX/XXXX and I have not received a response or a resolution of this issue.

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 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I have attached the information with my opt-out notice to Bank of America XXXX I have followed the proceedings in 16 CFR 313.7 to opt out of non-public personal information to a nonaffiliated third party including XXXX, XXXX, and XXXX. Bank of America has not responded in a timely matter as this was sent out on XX/XX/2023, and it is now XX/XX/2023. This unauthorized information as stated in 15 USC 6802 must be removed permanently from XXXX, XXXX, and 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 2023-12-19 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX 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 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.

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 2023-12-19 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2023-12-19 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: GA

Complaint narrative:
Due to the extent of this matter my information should have been updated within 4 days and if there was any additional information needed, I should have been notified within 5 days of them receiving my notice! Im demanding performance of this company in which they keep their obligation and follow regulations set out for them to follow dealing with trafficking of persons. Being a victim of trafficking in persons is a serious crime and the credit reporting agency are making me assessable to more harm and endangerment!

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 2023-12-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
I am not able to access my account or see the letters they are sending to me and I think XXXX XXXX is behind this or a girl named XXXX that lived on XXXX XXXX XXXX XXXX in XXXX with a guy that looked like XXXX XXXX. I think one of these women is committing identity theft on me. When I call my bank it asks about a personal or business account. I did not open a business account with them. My bank will not let me dispute to transactions on my personal bank account. 

I want XXXX XXXX license to practice anything revoked. I get emails from businesses and many times the representative 's name is XXXX. I have had it with this woman and i want to file criminal charges against her and I want an injunction against her. She is a criminal and she won't leave me alone. She is messing up my finances on purpose. I think she XXXX have followed me to a XXXX XXXX to XXXX XXXX XXXX during the spring of XXXX and then went to the XXXX XXXX XXXX ATM and XXXX XXXX did absolutely nothing and I gave them the description of the silver XXXX XXXX and the woman and the plate number. XXXX XXXX or the XXXX from XXXX is a fraud. The XXXX I met in XXXX had XXXX XXXX and she looks like XXXX XXXX kind of and there is also a XXXX XXXX that is an XXXX XXXX who looks like XXXX XXXX. She needs to leave me alone!!! I don't live in XXXX  and have not for almost a year. She is never going to leave me alone. She has no jurisdiction over me and this is aggravated harrassment and stalking from her agency and they do not have the legal right to do that to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
I was involved in an automobile accident XX/XX/2022 and became XXXX going through XXXX XXXX with XXXX XXXX XXXX with total loss of income. Had payment protection on all my credit card accountsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  all have Credit Protection Plans and was triggered. All the listed credit bureaus were inform and failed to apply the protection as violation of Federal Trade Commission Act ( FTC Law ), Violation of Credit Protection Act, Truth in Bureaus reporting act, and violation of Federal truth in credit disclosure act. All lates and deragoratory informations be remove immediately as matter of Federal and State law. I am disputing all lates, charge off, and balances. Requesting a full refund for misrepresentation and breached of contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: MO

Complaint narrative:
Since of XXXX I've been contacting them so I can pay my debt. I have offer to pay XXXX XXXX  monthly that's what I can afford then I've offer to pay {$1000.00} but been denied and they never contact me to let me know. Then on XXXX XXXX XXXX I've {$2000.00} and still refused. The manger was very rude and quick with me didn't even let me talk much or even explained myself at all. I had to tell them I have to bring a lawyer to this since then they don't contact me but when I contact, they are refusing my offer.

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 2023-12-19 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: NC

Complaint narrative:
I'm a casualty of fraud. I'm writing to demand that you block the accompanying deceitful data from my credit report. I'm currently applying for another advance and these blunders are causing an issue with my XXXX ratings detailing appropriately, so any assist you with canning give me with refreshing this data as quickly as time permits would be incredibly valuable. We are hoping to purchase a house. If it's not too much trouble, help

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