vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-07 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX  XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. State I have the right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 it also consumer reporting agency can't furnish an account without my written instructions.

15 U. S.C. 1681B Permissible Purpose of Consumer Report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NH

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy. 

Here are the accounts I am asking you to verify as accurate : Account name : XXXX XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX  XXXX  Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX  Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY 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 non-monetary relief
Consumer complaint received 2024-08-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: FC HoldCo LLC
State: FL

Complaint narrative:
I tried to refi the loan i got in XXXX. Only to find out Flagship Credit Acceptance has not been reporting to the credit bureaus. I have called a dozen times and escalated to many different supervisors all said they would call me back and lied. I got a letter in the mail saying they have upgraded their system and will begin reporting soon. I have asked them when soon is so i can refinance the loan. They refuse to provide a date when they expect their error to be fixed and in the meantime they are still not reporting my loan so I can not refinance the loan.

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 2024-08-07 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:
" 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 each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 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: CA

Complaint narrative:
In XXXX of XXXX  I sent certified mail to Equifax Information Services requesting a review and removal of multiple accounts I found on my credit report containing errors. Equifax did an investigation and responded that accounts were accurate. The accounts were clearly NOT accurate as there were multiple errors on every single account with XXXX XXXX. I circled all of the errors on my credit report and mailed it to them along with a request for re-investigation and this time I requested they prove the account was actually investigate by providing specific details to the procedure when completed. Not only did they fail to provide any specific details to investigation procedure but they responded again saying the accounts were verified. The discrepancies were circled, clearly visible and undeniably an error on my consumer reported that needed modification or deletion. I noticed that there responses are all computer generated and generic. I do not believe that my accounts and request have EVER been considered. No human can look at the information I provided and claim that that it's accurate. I believe Equifax has a fraudulent verification process and is lying about investigating any of my disputes. I am in the process of seeking legal counsel to see if violation 1681s-2A & 1681s-2B has occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: LA

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, XXXX : Account Number : XXXX : Balance : {$3300.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/year> 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 non-monetary relief
Consumer complaint received 2024-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.

Complaint narrative:
Commencing on or around XXXX XX/XX/year>, I fell victim to XXXX multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX CAD from my Crypto.com account to the fraudulent investment firm ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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:
" 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 each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report 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 explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
Received a bill from my county treasurer stating that XXXX of the XXXX parcels of land my house sits on was unpaid and delinquent. The taxes had been due on XX/XX/XXXX, but XXXX XXXX was willing to waive penalties if they were paid by XX/XX/XXXX. 

I called Truist Bank, my mortgage provider, on XX/XX/XXXX. They stated they would investigate and pay it, and they would notify me once they had done so. 

On XX/XX/XXXX, roughly a month and 5 days later, I checked online to see if the taxes had been paid. They had not. So, I called the county to see if they had received anything from Truist. They had not. So, I called Truist again. This time, I had significantly more difficulty getting anywhere over the phone, so I went into the local branch to talk to someone in person. They stated they couldn't do anything directly but that they would call the mortgage department on my behalf and get back with me. 

XXXX days later, I went back to the branch to talk to them. They stated they were having trouble getting in touch with the mortgage department and would get back to me when they had more information. They seemed irritated that I had come back so soon, but it was the XXXX and I was concerned about accruing penalties. I left and they called me later that day to inform me that payment had been sent on XX/XX/XXXX. 

It is now XX/XX/XXXX and the property taxes are still unpaid and penalties have accrued. 

This is not the first time I have had this issue. Truist failed to pay the taxes on a different parcel for the same property late last year. After receiving a delinquent tax bill and contacting them on XX/XX/XXXX, they paid the delinquent taxes on XX/XX/XXXX. However, this time, they are giving me significantly more difficulty and are taking significantly longer to resolve the 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 2024-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc.
State: AL

Complaint narrative:
I was scammed by a clothing manufacturer in XXXX. The manufacturer was supposed to give me a refund because they made a mistake and made my pants wrong. I asked them multiple times to fix it or refund me please and they didnt and refused. They keep saying theyre still shipping it but gave me a tracking number where no package exists. I tried solving it with Remitly but they told me it was nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 2024-08-07 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: PA

Complaint narrative:
I noticed some fraudulent inquiries on my report that i did not authorize. Please remove it immediately.

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 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
CFPB, I've disputed/ Called TransUnion about an incorrect address that's showing on my consumer report and needs to be removed. I never lived at the XXXX address they have showing.im also attaching a copy of my 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 2024-08-07 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: SC

Complaint narrative:
I have been contacted by email concerning a XXXX  and XXXX  XXXX account created in my name. I personally reached out by mail to verify my identity and request verification and validation of the alleged debt. Recently, I have also contacted XXXX XXXX XXXX XXXX of XXXX about this matter. The lack of effort used for my investigation is affecting me tremendously and has caused severe XXXX  and XXXX!!! They are continuing to add interest to this fraudulent account and that is destroying my XXXX  profile. I am expecting integrity from both parties and Im hoping I can hold you the CFPB as well as XXXX and XXXX XXXX to a high standard in having this manner resolved in a satisfying manner.

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 2024-08-07 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: WV

Complaint narrative:
I recently reviewed my credit report and noticed fraudulent accounts on my report. Please remove the accounts as they effecting my ability to obtain new credit. The following inquires was also not permitted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

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 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

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 2024-08-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I reached out to the company in XXXX  via telephone because my written correspondence was going unanswered. Ive advised the representative that I am a victim of identity theft and I have not applied at this property. All the representative did was repeat over and over how hard it will be for me to dispute it and I need to pay. I then sent written correspondence again with certified tracking. The information shows the correspondence was delivered. The representative advised she has no knowledge. She keeps trying to get me to send documents via email. I then told her my attorney advised to continue mailing my information. Once she heard attorney, she said she could no longer speak with me and hung up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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:
XXXX XXXX XXXX has illegally REINSERTED an account that was DELETED and illegally reinserted with blatant disregard for the 5 day notice requirement as provided under the Fair Credit Reporting Act. 
I submitted my dispute via CFPB # XXXX on XX/XX/year> and received a response via CFPB Portal on XX/XX/year> showing that the account was DELETED. 
The account XXXX XXXX XXXX XXXXwas reinserted illegally and I will contact an attorney if it is not DELETED again permanently or I will SUE. 
( Screenshots Attached )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 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: Radius Global Solutions LLC
State: CA

Complaint narrative:
In the matter of this collection, I see that other company is so persistent to say that there is no error and keeps on putting this collection back onto my credit report now first of all in the case of you know like having a collection through a company or something I dont think that company allows you to get any form of services through their company again until you pay off what you owe now if I owe this company, then I dont think that I would have their service currently up-to-date as we speak today, so how can I have it in collections and then have The same company under a current account that does not make sense and I have done nothing wrong and I just need for this to be dropped off the credit report because it is an error. I dont know the info that you guys may have but its all fraud and all cases and, if I have to get a civil suit to sue a company to prove to them that I am innocent and it isnt good to have a {$1500.00} collection on your report because it holds you back from lots and lots of things dont take it off and then have a other company pick it up again is XXXX and Im upset and Im sorry excuse my XXXX  but Ive had enough of it and Im over it totally so this is my last and final time asking you guys to please remove it or it will be XXXX XXXX XXXX XXXX XXXX and all the other people who say that I am supposed to pay off this debt I cant even get a debt consolidation loan because its saying this XXXX thing you feel what Im saying it is fair and sir or now whoever is seeing This Can you please understand where Im coming from? Thank you and have a good day.

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 2024-08-07 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I have a hard inquiry on my XXXX credit report that i noticed through XXXX XXXX. The hard inquiry is from ComenityCapital/Sephora and i never applied for any credit from them. The date of the inquiry is XXXX XXXX and when i contacted Comenity Capital they did not have any of my information or knowledge of me in their system so they told me to reach out to the Credit Bureau. When I contacted XXXX, I was told to fill out this form and file a dispute. I think someone did it fraudulently and accessed my credit to attempt to open a line of credit through sephora. None of the other Credit Bureau 's show any hard inquiries on my credit report as of XX/XX/year>.

Company response to consumer: Closed with explanation