vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-11-04 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: FL

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2024-11-04 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 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 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
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 non-monetary relief
Consumer complaint received 2024-11-04 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: TX

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently submitted a letter regarding the inaccuracies and unfamiliar items on my credit report, but it's now been over 30 days, and I haven't received any response. This lack of action is really concerning. According to Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), youre required to investigate disputed items within 30 days, and if you don't, those items must be removed from my report. 

Since it's been more than 30 days, I expect my credit report to be updated immediately, reflecting the removal of the disputed accounts. If this isn't resolved quickly, Ill have no choice but to consider legal action, as this ongoing delay has caused me considerable stress. 

Additionally, I was affected by the XXXX, Experian, and XXXX data breaches, which makes me even more worried about how my personal information is being handled.

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 2024-11-04 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: TX

Complaint narrative:
I received a collection letter from XXXX XXXX XXXX on XX/XX/XXXXXXXX  stating that an account was in collections in my name from XXXXXXXX XXXX for {$610.00}. I contacted XXXX XXXX XXXX since I'd never heard of the bank nor ever received a statement from them. They sent me information that this account had been opened in XX/XX/XXXXXXXX XXXX  with my name living in another state. It was paid on a couple of times before XXXX sold it to XXXX XXXX for non-payment. I was told that I had to state my case solely with XXXX XXXX. They determined that the debt was indeed not mine. I have been unable to have this removed from my credit report. XXXXXXXX XXXX placed a delinquent account on my credit report and say they can't remove it because they sold the account to XXXX XXXX. XXXX says they can't remove it because they didn't place it. I have many complaints about this with TransUnion and other credit bureaus, but they say their information is accurate even though I've sent a copy of the letter from XXXX XXXX XXXX stating that this isn't my responsibility. I want this fraudulent information off of 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 non-monetary relief
Consumer complaint received 2024-11-04 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's 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. 

Account Name : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 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:
I submitted a dispute to your company in which I explicitly identified the fraudulent and questionable accounts. However, there are still accounts on my credit report that should not be there.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Subject : Formal Complaint, Opt-Out of Inaccurate Reporting, and Demand for Compensation Due to Privacy Violations As a federally protected consumer under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am filing this formal complaint regarding the credit agencies and data furnishers. Per the FCRA, I am opting out of any and all authorization for the reporting or sharing of any information related to the inaccurately reported accounts. This includes any written, unwritten, verbal, or nonverbal authorization I may have given, per 15 U.S.C. 6802 and 16 CFR Part 313, which mandate the Privacy of Consumer Financial Information and prohibit unauthorized disclosure of nonpublic personal information.

The FDCPA further protects my rights against deceptive, abusive, and unfair collection practices ( 15 U.S.C. 1692 ), empowering me to challenge and verify the validity of asserted debts ( 15 U.S.C. 1692g ). Congress enacted these protections due to the negative impact of such practices on consumers, including personal bankruptcies, marital instability, loss of jobs, and invasions of individual privacy ( 15 U.S.C. 1692 ).

Due to these violations of my consumer rights and privacy, I am demanding immediate compensation for damages arising from the unauthorized and inaccurate handling, reporting, or sharing of my personal information as specified under 15 U.S.C. 6802 ( b ) and 16 CFR Part 313. Should you fail to act, I will exercise my right to pursue legal remedies as provided by law.

To resolve this matter, I demand the following : Immediate removal of the inaccurately reported account ( s ) from my credit report, as my opt-out under 15 U.S.C. 6801 ( b ) and 16 CFR Part 313 prohibits any unauthorized reporting of my information.

Compensation for the violation of my rights under 15 U.S.C. 6801-6805, 16 CFR Part 313, and 15 U.S.C. 1692k, due to inaccurate reporting and unauthorized disclosure.

Written confirmation of actions taken to comply with my requests as required under 15 U.S.C. 6803 and 16 CFR Part 313.

If these demands are not met, I am prepared to take further legal action to ensure my rights are upheld and to secure full compensation for damages.

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 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Subject : Formal Complaint, Opt-Out of Inaccurate Reporting, and Demand for Compensation Due to Privacy Violations As a federally protected consumer under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am filing this formal complaint regarding the credit agencies and data furnishers. Per the FCRA, I am opting out of any and all authorization for the reporting or sharing of any information related to the inaccurately reported accounts. This includes any written, unwritten, verbal, or nonverbal authorization I may have given, per 15 U.S.C. 6802 and 16 CFR Part 313, which mandate the Privacy of Consumer Financial Information and prohibit unauthorized disclosure of nonpublic personal information.

The FDCPA further protects my rights against deceptive, abusive, and unfair collection practices ( 15 U.S.C. 1692 ), empowering me to challenge and verify the validity of asserted debts ( 15 U.S.C. 1692g ). Congress enacted these protections due to the negative impact of such practices on consumers, including personal bankruptcies, marital instability, loss of jobs, and invasions of individual privacy ( 15 U.S.C. 1692 ).

Due to these violations of my consumer rights and privacy, I am demanding immediate compensation for damages arising from the unauthorized and inaccurate handling, reporting, or sharing of my personal information as specified under 15 U.S.C. 6802 ( b ) and 16 CFR Part 313. Should you fail to act, I will exercise my right to pursue legal remedies as provided by law.

To resolve this matter, I demand the following : Immediate removal of the inaccurately reported account ( s ) from my credit report, as my opt-out under 15 U.S.C. 6801 ( b ) and 16 CFR Part 313 prohibits any unauthorized reporting of my information.

Compensation for the violation of my rights under 15 U.S.C. 6801-6805, 16 CFR Part 313, and 15 U.S.C. 1692k, due to inaccurate reporting and unauthorized disclosure.

Written confirmation of actions taken to comply with my requests as required under 15 U.S.C. 6803 and 16 CFR Part 313.

If these demands are not met, I am prepared to take further legal action to ensure my rights are upheld and to secure full compensation for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Subject : Formal Complaint, Opt-Out of Inaccurate Reporting, and Demand for Compensation Due to Privacy Violations As a federally protected consumer under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am filing this formal complaint regarding the credit agencies and data furnishers. Per the FCRA, I am opting out of any and all authorization for the reporting or sharing of any information related to the inaccurately reported accounts. This includes any written, unwritten, verbal, or nonverbal authorization I may have given, per 15 U.S.C. 6802 and 16 CFR Part 313, which mandate the Privacy of Consumer Financial Information and prohibit unauthorized disclosure of nonpublic personal information.

The FDCPA further protects my rights against deceptive, abusive, and unfair collection practices ( 15 U.S.C. 1692 ), empowering me to challenge and verify the validity of asserted debts ( 15 U.S.C. 1692g ). Congress enacted these protections due to the negative impact of such practices on consumers, including personal bankruptcies, marital instability, loss of jobs, and invasions of individual privacy ( 15 U.S.C. 1692 ).

Due to these violations of my consumer rights and privacy, I am demanding immediate compensation for damages arising from the unauthorized and inaccurate handling, reporting, or sharing of my personal information as specified under 15 U.S.C. 6802 ( b ) and 16 CFR Part 313. Should you fail to act, I will exercise my right to pursue legal remedies as provided by law.

To resolve this matter, I demand the following : Immediate removal of the inaccurately reported account ( s ) from my credit report, as my opt-out under 15 U.S.C. 6801 ( b ) and 16 CFR Part 313 prohibits any unauthorized reporting of my information.

Compensation for the violation of my rights under 15 U.S.C. 6801-6805, 16 CFR Part 313, and 15 U.S.C. 1692k, due to inaccurate reporting and unauthorized disclosure.

Written confirmation of actions taken to comply with my requests as required under 15 U.S.C. 6803 and 16 CFR Part 313.

If these demands are not met, I am prepared to take further legal action to ensure my rights are upheld and to secure full compensation for damages.

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 2024-11-04 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: GA

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to 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 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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