vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-15 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: LEXISNEXIS
State: TX

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.

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 explanation
Consumer complaint received 2024-07-15 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: NJ

Complaint narrative:
re : XXXX XXXX late payment XX/XX/year> Account number XXXX I have sent two previous letters to you, certified mail asking you to remove inaccurate information from my file. Because of my request, you all have failed to provide me a copy of any ORIGINAL documentation ( a consumer contract with MY signature ON THE CONTRACT ) which is REQUIRED under Section 609 ( a ) ( 1 ) ( A ). 


According to the FCRA, your failure to reinvestigate is an intentional and negligent FCRA violation. 
Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to properly investigate this account, Not only that, but you have also failed to provide, per my request, the method of verification as required under Section 611 ( a ) ( 7 ) and under 15usc1666 ( a ) proof I received each periodic statement required by section 1637 ( b ) of this title was mailed or delivered to me no later than 21 days before the payment due date. I am due {$1000.00} per violation : 15 U.S. Code 1666 ( a ) Time to make payments Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 USC 1681b Permissible purpose of consumer reports IN GENERAL-Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates

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 2024-07-15 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:
The reappearance of the XXXX XXXXXXXX XXXX account on my credit report, despite its previous removal for fraud, is a clear violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). This fraudulent account is not only inaccurate but also detrimental to my creditworthiness. I am requesting its immediate and permanent removal for the following reasons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inaccuracy and Fraud : The account was previously confirmed as fraudulent and removed from my credit report. 
Re-reporting of this account constitutes inaccurate information under the FCRA. 
Violation of the Fair Credit Reporting Act ( FCRA ) : 605B ( 15 U.S.C. 1681c-2 ) : Blocking of information resulting from identity theft : ( a ) Block - Except as 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 as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
611 ( 15 U.S.C. 1681i ) : Procedure in case of disputed accuracy : ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation RequiredIf the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2024-07-16 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: SC

Complaint narrative:
Victim of identity theft. Report has been filed along with 605B. Experian, XXXX, and XXXX have been notified twice about this matter!

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 2024-07-15 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: Merchants' Credit Guide Company
State: IL

Complaint narrative:
Filed dispute and ask for proof of documentation and business

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 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: Medical Business Bureau
State: IL

Complaint narrative:
Filed dispute and ask for proof of documentation and business

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Uprova Credit, LLC
State: TX

Complaint narrative:
The interest rate at uprova are inhumane I didnt realize till now there interest rate is 750 % which means the loan will never get paid off. I have already made numerous payments and the loan isnt even close to being paid off. This is against many laws and I want no part of this money shark game. Please remove the account off my credit and do no report to the credit bureau as defaulted or late payments. I can make XXXX more payment of XXXX dollars and that is all I will pay with them no more after that. If they accept that id like the account completly closed and paid In full.

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 2024-07-15 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: NY

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please 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 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: CBC Companies, Inc.
State: WI

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Dear Equifax Dispute Resolution Team, I hope this letter finds you well. 

Upon recently obtaining a copy of my credit report, I identified multiple discrepancies that require your immediate attention. These discrepancies include unauthorized inquiries and conflicting information across different credit bureaus. Specifically, the discrepancies pertain to differing account numbers, dates of last activity, last payment dates, balances, account statuses, and original balances. The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> In accordance with 15 U.S. Code 1681e ( b ), which mandates the implementation of reasonable procedures to ensure the maximum accuracy of the information contained in an individual 's report, I request that you provide complete documentation related to these accounts. This documentation should include : The original contract bearing my wet signature. 
Full transaction history from the date of account opening to the present or closure. 
Any other documentation used to verify the accuracy of the accounts. 
Additionally, as stipulated under 15 U.S. Code 1681i ( a ) ( 5 ), in the event that any information disputed by a consumer is found to be inaccurate, incomplete, or unverifiable after a reinvestigation, the consumer reporting agency is obligated to promptly delete or modify the erroneous information and notify the furnisher of such action. 

I trust that you will conduct a thorough investigation into this matter. Should you be unable to provide verifiable proof within 15 business days following your investigation, I expect the disputed accounts and/or information to be expeditiously removed. 

Enclosed, please find copies of my identification and a utility bill to verify my identity and address. 

Thank you for your prompt attention to this matter. I look forward to your timely response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My husband and I signed up for the XXXX XXXX XXXX Credit Card on XX/XX/year> under the promotion of receiving XXXX points if you spend {$5000.00} in 3 months. We spent {$5000.00} on the card within 3 months per the guidelines. I then sent multiple requests to Chase ( the credit card company issuing the card ) to see when I would receive my points, starting in XX/XX/year>. They kept saying it would come within XXXX weeks. I kept following up and finally received a response in early XXXX saying that they have provided XXXX nights free that is " like XXXX points ''. This was apparently in the fine print somewhere. There are also restrictions with using the XXXX free nights in many of their hotels based on the point level, so you have to find a hotel that is less than XXXX points a night to use. So I requested that they provide the XXXX points to both XXXX and Chase. They blamed each other and told me to contact the other party to resolve. After many communications, Chase finally said they can't honor the request. This is fundamentally false advertising with big, bold letters of " XXXX points '' vs " XXXX free nights '', especially to those folks whose first language is not XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 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: FL

Complaint narrative:
Subject : Re : Dispute Results- Unauthorized Inquiries on Credit Report** Dear Equifax XXXX I am writing in response to the recent results of my dispute regarding unauthorized inquiries on my credit report. I appreciate your prompt attention to my concerns. However, I must express my dissatisfaction with the outcome as the disputed inquiries remain on my report. 
In my initial letter dated XX/XX/XXXX, I disputed the following unauthorized inquiries : 1. **XXXX - XXXX XXXX** - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX As per the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ), these inquiries were not initiated by me, and I requested that they be removed unless you could provide documentation of my written consent authorizing these inquiries.

Your investigation concluded that these inquiries are factual records of file access and will remain on my Equifax credit file for two years from the reported date of the inquiry.

Unfortunately, you have not provided any evidence of my written consent, including my signature, authorizing these inquiries. Without this evidence, these inquiries should be considered unauthorized and must be removed from my credit report.

I request a re-investigation of this matter and the removal of the unauthorized inquiries listed above. Please provide me with documentation of my written consent if you believe these inquiries are legitimate. If you can not provide this documentation, I expect these inquiries to be removed immediately.

Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX SSN : XXXX XXXX : XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 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:
My loan requests are being declined due to incorrect credit records. Despite fulfilling all my financial obligations, these inaccuracies have impacted my ability to secure loans and caused significant frustration.

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 2024-07-15 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: MA

Complaint narrative:
The duty pursuant to the FCRA, it TRANSUNIONs to be reporting correct and accurate information on my credit report and file, however they are NOT. TRANSUNION is reporting 1 inaccurate late payment for the XXXX XXXX account ending in XXXX. This includes a 30 day late payment posted in XXXX XXXX This is incorrect and is supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of this inaccurate late payment has resulted in TRANSUNION violating my federally protected consumer rights. To add to this, I did NOT give TRANSUNION written instruction/permission to furnish this inaccurate late payment on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination and possibly homelessness very soon. I have tried to remedy this situation by responding to TRANSUNION via written letters to remove this inaccurate reporting of late payments on XXXX XXXX XXXX and XXXX XX/XX/XXXX, however they have continued to ignore my requests. It is because of this inaccuracy that is causing my wife and myself to not be able to find a mortgage lender in order to secure safe housing for us. I fear that if these inaccurate late payments arent removed soon, that we will be homeless.

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 2024-07-15 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: IL

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.

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 2024-07-15 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 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 2024-07-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harris & Harris, Ltd.
State: NY

Complaint narrative:
I first received a XXXX hospital bill from XXXX XXXX XXXX and when I called the lady on the phone stated that there was a computer error and I was told to disregard the letter. I cant remember the date, time and person I spoke to because I thought this matter was resolved. I think it was over XXXX weeks ago, but I am not too sure. I also had health insurance when I went to the ER in XXXX just to get a check up on my XXXX due to a XXXX accident I had last year in XXXX XXXX. Which resulted in me having a XXXX XXXX. My lawyer stated to me that I am not responsible for any charges that pertained to my accident only. I have already forwarded this debt collector to my lawyer to have her handle it as I will not pursue this matter any further. Now XXXX weeks later I have received another bill from this hospital that I now owe XXXX dollars, which this is very confusing and I am wondering if this is another error in the hospitals part. Please help me in this matter because my lawyer is involved and I am told not to pay anything that had to do with the car accident. The company that the hospital sent to my debt to is XXXXXXXX XXXX XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with explanation