vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-21 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:
Report Number XXXX Experian is in violation of FCRA Section It is illegal to report anything on my credit report without my permission. please remove accounts ( XXXX, XXXX, XXXX, XXXX ). Experian does not have my consent or permission to furnish anything on my report. 



Sec. XXXX. [ XXXX XXXX. XXXX ] ( a ) In general.Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments or determining the appropriate level of such payments ; ( B ) the paternity of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; ( C ) the person has provided at least 10 days prior notice to the consumer whose report is requested, by certified or registered mail to the last known address of the consumer, that the report will be requested ; and ( D ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. 

( XXXX ) To an agency administering a State plan under section XXXX of title XXXX for use to set an initial or modified child support award.

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 2024-09-21 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: LEXISNEXIS
State: MI

Complaint narrative:
LexisNexis provided a bogus response stating they could not remove the bankruptcy due to not verifying my identity this is untrue. I have provided LexisNexis with my identification several occasions and I find their stall tactics to be completely unacceptable so I have no choice but to sue LexisNexis and recover damages this serves as notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 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: PA

Complaint narrative:
I filed for XXXX  XXXX bankruptcy on XX/XX/XXXX, under reference number XXXX. I am demanding the immediate removal of this bankruptcy from my credit report. While I understand that it has not yet reached the 10-year reporting limit, its continued presence is a violation of my privacy rights and is adversely affecting my creditworthiness. 

Recently, I contacted TransUnion to dispute the reporting of this bankruptcy. In that communication, I emphasized my concerns regarding privacy and the detrimental impact this outdated information has on my ability to secure credit. I demand the removal of the bankruptcy from my credit report, citing my rights under the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of XXXX, which protect individuals from the unnecessary disclosure of sensitive information. 

I expect the immediate deletion of this XXXX  XXXX bankruptcy from my credit report and written confirmation of this action within 30 days.

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 2024-09-21 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 submitted a complaint to experian requesting inaccurate information on my account be removed. They responded that no action was needed because of the information provided was correct. As a consumer I have the right to fair and accurate credit reporting because all banking systems are dependent upon the accuracy. XXXX is violating my rights to such and also violating my rights to privacy by reporting false and fictitious information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
1. Why does Citibank restrict my login? 2. Request Citibank to unlock my account so that I can use my own funds. My name is XXXX XXXX and my account ending number is XXXX Citibank was restricted, my mobile phone screen told me that my bank information was wrong or I changed my card, but I did not change my card. Today, I communicated with the bank about this matter, and they told me that I could not use the extended bank account several days ago, and the bank withheld my funds for XXXX to 60 days without any email notification. I have been using my account normally, I have not done anything illegal, and the funds deposited in the account are deposited by myself, another bank or the company. My last deposit of XXXX dollars was also transferred through my other bank. I asked the customer service of the bank what the reason was, but the customer service did not tell me directly, but just said that I could not use any account of Citibank anymore, which violated the consumer protection law of the United States. I hope Citibank should correct its mistake, restore my account and give me a reasonable explanation. If I do not do so, I will reserve all rights to legal action for infringement of my rights.

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 2024-09-21 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: MA

Complaint narrative:
Subject : Request for Description of Investigation Process - Disputed Accounts on my Credit Report EXPERIAN Dear Sir/Madam, EXPERIAN completes its investigation into the account related to the letter sent on XX/XX/year>, which is written in this complaint, please I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 16811 ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute.

Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights Below are the details of the disputed account. 

XXXX XXXX XXXX XXXX  XXXX I recently reviewed my credit report and noticed an account that was not reporting accurately, I had ONE late payment on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments Ive attached a copy of my report to this complaint on the following dates ( XX/XX/year> ) I'm now requesting you investigate this account and update these payment to be paid on time immediately. 

Thank you for your understanding and prompt action I kindly request that you provide a description of the procedure used to investigate and verify this account. If you can not update payment on time, please provide the required information. 

I appreciate your prompt attention to this request and look forward to receiving a response within the timeframe established by the FCRA, the Consumer Protection Act, and the Truth in Lending Act.

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 2024-09-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Army and Air Force Exchange Service
State: CA

Complaint narrative:
This company retaliated on me because I requested every payment made to them so I can prove my XXXX date of delinquency. This account was opened in XXXX. Legally I requested every last payment made to them which is a legal request and I was told by the representative that they do not honor that type of request and I need to leave this situation alone. I told them I need it EVERY payment made so I can verify with my bank because some companies report false payments to keep collecting on debt. I was told thats not going to happen and I will not receive payment receipts from XXXX up until the last payment. The last payment after the last payment to them was made in XXXX to a collection agency called XXXX. It was paid in full. This is the company they sold the account too. I need all payments so I can prove my dates of delinquency. So in return they changed the status of my account to an active collection when it is paid and closed as well as dropping my credit score on purpose as a form of retaliation.

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 2024-09-21 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:
In accordance with the Fair Credit Reporting act XXXX  XXXX ACCOUNT # XXXX {$360.00} XXXX XXXX_ ACCOUNT # XXXX {$360.00} XXXX XXXX_ ACCOUNT # XXXX {$1000.00} XXXX XXXX XXXX _ ACCOUNT # XXXX {$12000.00} XXXX XXXX ACCOUNT # XXXX {$940.00} XXXX  XXXX XXXX XXXX_ ACCOUNT XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX_ ACCOUNT # XXXX {$740.00} XXXX XXXX XXXX _ ACCOUNT # XXXX {$1100.00} XXXX XXXX  XXXX  _ ACCOUNT # XXXX XXXX XXXX XXXX  _ ACCOUNT # XXXX {$1100.00} XXXX  XXXX XXXX _ACCOUNT # {$570.00} XXXX XXXX XXXX ACCOUNT # {$2100.00} XXXX  XXXX _ ACCOUNT # XXXX {$1400.00} XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX {$1900.00} XXXX XXXX ACCOUNT XXXX XXXX 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 consumer reporting agency can not furnish an account without my written instructions.

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 2024-09-21 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: VA

Complaint narrative:
I do not recognize this debt because I have never had XXXX service, I have explained this to XXXX  when I saw it on my report and they said they could do nothing I had to pay it even though I told them i have no knowledge of the debt. They sold the debt to Jefferson capital systems # XXXX service in 2023 and I have explained the same thing to them that this is not my debt I have never had this service and they are still reporting negatively on my credit report ( this debt is now XXXX yrs old ) which is affect my live in a bad way can I please have help with this matter thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I disputed about XXXX addresses with experian and the same day they contacted me saying they removed addresses that was never on my credit report and the ones I asked To be removed are still there. 
They keep putting false addresses with my name and taking other false addresses that was never on my report and they said report was Done by XXXX XXXX Address to be removed address # # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX XXXX I said instead they produced addresses I never inquired about and said they removed the addresses above when in fact they ignored my request and responded with bogus addresses

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 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Since XX/XX/XXXX, I have been monitoring my credit score through Experian and have noticed that there has been no update or change to my score despite significant financial activities during this period, such as regular payments, credit utilization adjustments, and other relevant factors that typically impact credit reports. 

I expect Experian to resolve this issue promptly by updating my credit score to reflect the most current information and update my score its been too many months that have come and gone and my score is still showing XX/XX/XXXX and we are on the month of 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 2024-09-21 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: 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 XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-21 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: MA

Complaint narrative:
Subject : Request for Description of Investigation Process - Disputed Accounts on my Credit Report EQUIFAX Dear XXXX XXXX EQUIFAX completes its investigation into the account related to the letter sent on XX/XX/year>, which is written in this complaint, please I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 16811 ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute.

Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights Below are the details of the disputed account.

XXXX XXXX XXXX XXXX XXXX I recently reviewed my credit report and noticed an account that was not reporting accurately, I had ONE late payment on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments Ive attached a copy of my report to this complaint on the following dates ( XX/XX/year> ) I'm now requesting you investigate this account and update these payment to be paid on time immediately. 

Thank you for your understanding and prompt action I kindly request that you provide a description of the procedure used to investigate and verify this account. If you can not update payment on time, please provide the required information. 

I appreciate your prompt attention to this request and look forward to receiving a response within the timeframe established by the FCRA, the Consumer Protection Act, and the Truth in Lending Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-21 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: DE

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 Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 XXXX 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 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have a debt listed twice on my credit report. It's under the original creditor and the collection agency it was sold to. Both still have a balance. The original creditor balance is supposed to be {$0.00} but it still shows the same balance. I submitted multiple disputes with both XXXX and TransUnion. I think the practice of relying on computers is preventing this from being fixed. They think I'm disputing the debt but I'm not. I'm disputing the balance of the original creditor. 
Both the original creditor and the collection can't both have a balance, I can only owe XXXX of 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 2024-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
I received notice on XX/XX/year> from my credit monitoring company that a collection account was added to my credit report. This company did not notify by any means nor provide me an opportunity to validate this issue. Furthermore, XXXX attempts have been made by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Consumer Adjustment Company Incorporated
State: OK

Complaint narrative:
Why do I have to have XXXX  XXXX  on my report? Its a hard inquiry and would like to do away with it.

Company response to consumer: Closed with explanation