vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
As a federal consumer, I have a right to privacy and my rights have been violated. I am writing you to notify you that there is inaccurate and unauthorized reporting of all named accounts on my credit report by Equifax, as well as the furnisher of information to credit agencies, in violation of the Fair Credit Reporting Act ( FCRA ) - 15 USC 1681 et seq., 15 USC 6802, and the Private Act of 1974 ( 5 U.S. Code 552a ) .________________ Account/ # - XXXX  XXXX ( Report Credit Utilization/Transaction as Paid as agreed and 0 % utilization ) 15 USC 1681a ( 2 ) ( A ) ( I ) ___________ Account/ # - XXXX XXXX ( Update Adverse Late Payments to Paid as Agreed ) 15 USC 1666B______________ Account/ # - XXXX ( Delete/Remove off report ) 15 USC 1681c ( a ) ( 5 ) ____________ Account/ # - XXXX XXXX ( Delete/Remove Adverse Item off Report ) 15 USC 1681c ( a ) ( 5 ) _____________ Account/ # - XXXX  XXXX ( Delete/Remove Adverse Item off Report ) 15 USC 1681c ( a ) ( 5 ) ___________ Account/ # - XXXX XXXX XXXX XXXX ( Delete/Remove Adverse Item off Report ) 15 USC 1681c ( a ) ( 5 ) ____________ Account/ # - XXXX  XXXX XXXX ( Delete/Remove Adverse Item off Report ) 15 USC 1681c ( a ) ( 5 ) ______________ 12 CFR 1016.7 states that a consumer may exercise the right to opt-out at any time. As a federally protected consumer, I am NOW OPTING OUT of any, and all authorization I may have given you, whether it be written, unwritten, verbal, or non-verbal, as outlined in 15 USC 6802 on the named accounts listed. 

I request that you cease all reporting on named accounts on my behalf immediately. I also request that you investigate and correct any inaccuracies in my credit report, as required by law. Such as different names and addresses other than the one listed on this correspondence pursuant to 15 USC 1681b. 


XXXX XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I disputed the child support account on my experian they didn't remove it but they removed it once again on all three credit bureaus they know it's unconstitutional and it goes against 18 U.S. Code 1028A - Aggravated identity theft I reported to the federal trade commission XXXX  child support is voluntary it says it on the paper u never agreed to pay and I got took off and put on 5 times so that means it was never updated that would make it breach of contracts on top of everything else

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 2023-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I'm sending this complaint to the Experian Credit Bureau to REMIND them that there is no involvement from a third party. They can not legally contact third parties with my private or sensitive information for any reason. Lack of permission defines fraud. The items listed below are false and are having an effect on my ability to establish credit. I want this removed right away! 
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 XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have provided documentation to these company 's back in XX/XX/2023 advising that this information is in correct nor do I know how they were reported on my credit file. I ask the bureaus to remove them within a timely manner of 30 days. Nothing has taken place and we are over the 30 day time frame

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have provided documentation to these company 's back in XX/XX/2023 advising that this information is in correct nor do I know how they were reported on my credit file. I ask the bureaus to remove them within a timely manner of 30 days. Nothing has taken place and we are over the 30 day time frame

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 2023-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: TN

Complaint narrative:
Cavalry his illegally garnished my wages. The debt in question is not mine Cavalry his no verified this and did not send second notice of court date for me to dispute this debt. This lack of candor has caused me and my family great financial hardship, XXXX XXXX XXXX and myself physical stress due to the fact I am fighting XXXX. I am now behind on all fo my bills because of Cavalry SPV I LLC negligence to verify and to notify the account or me. I lost my one match donor out of XXXX XXXX donors for a XXXX XXXX and must do the search over for another donor that matches due to Cavalry Portfolio Services , LLC unjust/unfair practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: TX

Complaint narrative:
On XX/XX/XXXX I emailed the Customer Service and Research departments at Cardinal FinancialXXXX XXXX to request a credit report correction to remove a 90 day late payment reported in XX/XX/XXXX. A response was received on XX/XX/XXXX stating no correction would be made because I was never approved for a forbearance which is completely false. 

My first mortgage payment on this loan was due XX/XX/XXXX and was made on time. I was subsequently approved for a $ XXXX forbearance for XXXX, XXXX & XX/XX/XXXX. Attached is a letter dated XX/XX/XXXX from Cardinal Financial that states I was approved for a forbearance along with a copy of the signed forbearance agreement dated XX/XX/XXXX confirming my acceptance. I emailed the Loss Mitigation on XX/XX/XXXX to confirm my acceptance of the forbearance agreement. I also spoke with XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX in the Loss Mitigation department and they both confirmed the forbearance was approved for XXXX, XXXX and XX/XX/XXXX. 

Furthermore, a payment from the Homeowners Assistance Fund posted to my mortgage account with Cardinal Financial on XX/XX/XXXX that covered 6 months of mortgage payments which Cardinal Financial applied to the period XXXX XXXX XXXX 

I dispute the 90 day late payment reported in XX/XX/XXXX as I was approved for a forbearance in XXXX, XXXX and XX/XX/XXXX and in XX/XX/XXXX a mortgage payment was made on my behalf from the Homeowners Assistance Fund that covered a 6 month period that posted to Cardinal Financial on XX/XX/XXXX in which they applied to the period XX/XX/XXXX through and including XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
There have been negative collections and hard inquiries reported on my credit reports due to identity theft I have disputed this collection and inquiries with the credit bureaus yet these collections and inquiries were place on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
There have been negative collections and hard inquiries reported on my credit reports due to identity theft I have disputed this collection and inquiries with the credit bureaus yet these collections and inquiries were place on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$88.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$460.00} XXXX XXXX Balance : {$460.00} XXXX XXXX Balance : {$860.00}. 
XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3200.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. please remove the following items : XXXX XXXX XXXX XXXX, AL XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX-MT XXXX Balance XXXX : {$0.00} XXXXXXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$5800.00} XXXX XXXX Bankruptcy Discharged Reference # : XXXX XXXX XXXX Bankruptcy Discharged Reference # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX/XXXX  XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$88.00} XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$460.00} XXXX  XXXX Balance : {$460.00} XXXX  XXXX Balance : {$860.00}. 
XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3200.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX  XXXX Balance : {$12000.00}, XXXX XXXX XXXX Balance : {$470.00}

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 2023-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX  XXXX Balance : {$12000.00}, XXXX XXXX XXXX Balance : {$470.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 00:00:00
Product: Credit reporting, credit repair services, 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: OK

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 # : XXXX, Account name : " XXXX XXXX XXXX XXXX  '' Account # : XXXX Account name : " XXXX XXXX XXXX '' Account # : XXXX Account name : " XXXX '' Account # : XXXX Account name : " XXXX XXXX XXXX XXXX '' Account # '' 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 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 2023-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax credit bureaus to validate the account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX  XXXX XXXX Balance Owed : {$270.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have filed credit disputes with all 3 credit bureaus regarding accounts that do not belong to me. Ive requested a copy of the verifiable documents that the credit bureaus are stating they verified and validate that the account belongs to me. I do not believe they have any verifiable information or documents. I am requesting all accounts that do not belong to me to be deleted and removed from my credit profile immediately. 
The following account collection and charge off accounts : XXXX XXXX accounts XXXX charge off account XXXX charge off account XXXX charge off accounts XXXX loan charged off accounts

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 2023-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
All three bureaus have failed to respond to the letter I sent via dispute online that requested them to respond within 15 days due to their failure to address the issue with my XXXX XXXX XXXX account. Please remove as I gave them a specific timeline to provide me with the sources they used to validate the loan, people they talked to, etc. Per FCRA I had every right to request that within 15 days it has now past 15 days ( XX/XX/XXXX ) So please remove it per the FCRA immediately. Remove the item immediately as they were given sufficient time to provide me with the information but could not produce it and or refused to produce it when it's my right per FCRA to see that information.

Company response to consumer: Closed with explanation