vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-15 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: Global Lending Services LLC
State: GA

Complaint narrative:
I requested that the creditor provide validation that this debut belonged to me. In the request I detailed that I needed a the contract that was signed with a wet signature, all documents used in the transaction to verify that the transaction taken place was indeed indeed the person that contract says. I request a complete statement of account and payment history.i also would like the original creditors information to be provided. As I know my consumer right is to be made aware of any inaccurate information, I request this creditor remove this debt immediately if it can not be verified after receiving this notice with all of the above information provided.This account is also reported as charged off and written off. I never received a 1099-C to report to the irs. To my understanding this is illegal and fraudulent. If I am wrong please correct me!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"

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 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
The law clearly states : transaction between the consumer XXXX XXXX AND THE PERSON ( XXXX XXXX ) MAKING THE REPORT IS NOT INCLUDED ON THE CONSUMER REPORTS! 
A LATE PAYMENT IS A TRANSACTIONAL HISTORY, MY HISTORY WITH YOUR COMPANY. CONGRESS CLEARY STATES THAT THE REPORTING OF TRANSACTION THE EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT ARE NOT INCLUDED IN THE CONSUMER REPORTS. YOU HAVE VIOLATED THE FCRA 15USC 1681IA 2AI BY REPORTING THIS TRANSACTION OR EXPERIENCE ON MY CONSUMER REPORT WHICH CONGRESS CLEARLY STATES IS NOT INCLUDED ON MY CONSUMER REPORTS. YOU HAVE 10 CALENDER DAYS TO UPDATE MY PAYMENT HISTORY AND OR DELETE ALL LATE PAYMENTS FROM THE ACCOUNT FAILURE TO RESPOND WITH DELETION OF THE ABOVE LATE PAYMENTS WILL RESULT IN LEGAL ACTIONS BEING TAKEN AGAINST YOUR COMPANY FOR WHICH I WILL BE SEEKING {$1000.00} PER VIOLATION : 1. DEFAMATION OF CHARACTER 2. NEGLIGENT NON-COMPLIANCE 3. CIVIL LIABILITY 4. MENTAL ANGUISH 5. FAIR CREDIT REPORTING ACT 15USC 1681 VIOLATIONS WILLFUL NON COMPLIANCE -616 CIVIL LIABILITY FOR WILLFUL NON -COMPLIANCE ( 15 U.SC 1681 IN )

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 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

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 2024-10-15 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: CA

Complaint narrative:
I believe that your company has violated provisions of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g ( regarding validation of debts ) and 15 U.S.C. 1692c ( regarding communication restrictions ).

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 2024-10-15 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: CA

Complaint narrative:
I believe that your company has violated provisions of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g ( regarding validation of debts ) and 15 U.S.C. 1692c ( regarding communication restrictions ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
There are some unidentified things on my credit report, i've submitted 3 dispute letters from XXXX XXXX XX/XX/XXXX attempting to resolve the issue and have got no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

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 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Upon reviewing my credit report, I found multiple billing mistakes. The late payments listed do not reflect my typical payment history. Please fix these errors and update my account. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX, XXXX Date Opened XX/XX/XXXX Balance {$890.00} XXXX, XXXX Date Opened XX/XX/XXXX {$1100.00} XXXX XXXX  {$9400.00} Date Opened XX/XX/XXXX XXXX XXXX {$8400.00} Date Opened XX/XX/XXXX XXXX XXXX {$38.00} XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2024-10-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to disputed account on my credit report that were madewithout my consent. According to section 604 of fair credit credit reporting to section ( 15 U.S.C 168 1B ), There are specpecific permissible purposes for obtaining a credit. I did not authorize these account and can not find any permissible purpose under this section that justifies their presence on my report. PLEASE DELETE ACCOUNT 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 explanation
Consumer complaint received 2024-10-15 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: DC

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
After reviewing my credit report, I noticed several billing errors, including late payments that don't align with my usual payment habits. Please make the necessary corrections and update my account. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/year>, I mailed a letter to Experian requesting an investigation into inaccuracies on my credit report. In my letter, I mentioned the information that does not look accurate and complete in I included my ID and Proof of Address to verify my identity and ensure my dispute could be processed without issues. 



However, on XX/XX/year>, I received an email from Experian stating, " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. '' Im confused and concerned by this response because I sent the request and followed all the necessary steps to confirm my identity. Im unsure of the basis for their claim, as I have every right as a consumer to dispute inaccuracies on my credit report. 



I am seeking assistance in getting Experian to process my dispute and investigate the accounts I mentioned in my letter. The errors on my credit report are affecting my ability to secure credit, and I want them to be corrected in a timely manner.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to address the unlawful reinsertion of a previously disputed and removed debt on my credit report. This reinsertion occurred without the legally required notification, in violation of the Fair Credit Reporting Act ( FCRA ). Additionally, I am concerned about the accuracy of the information provided, as well as the protection of my personal information, which federal law mandates must be safeguarded by your agency. Accuracy Obligations Under the FCRA and Case Law The FCRA imposes a duty on credit reporting agencies to maintain and follow reasonable procedures to ensure the accuracy of information included in consumer reports. This duty is articulated in 15 U.S.C. 1681e ( b ), which requires that CRAs ensure maximum possible accuracy. Several court decisions underscore the importance of this obligation : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) : The court held that a CRA is responsible for verifying the accuracy of information in a consumers credit report and can not rely solely on the information provided by creditors, especially after a dispute has been raised. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) : This case reinforced that CRAs must conduct a reasonable investigation when a consumer disputes the accuracy of information in their credit report, and that they can not simply rely on the information provided by a creditor. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : This case emphasized that CRAs must do more than simply verify the accuracy of their data with the original source ; they are responsible for ensuring that the data is correct. 
Permissible Purpose and Protection of Personal Information In addition to ensuring accuracy, federal law requires that CRAs only share my personal information with third parties who have a permissible purpose under the FCRA. Specifically, 15 U.S.C. 1681b outlines the permissible purposes for which a CRA may furnish a consumer report, which includes credit transactions, employment, insurance underwriting, and other legitimate business needs. Importantly, 15 U.S.C. 1681b ( a ) ( 2 ) requires that my written consent must be obtained before sharing my credit report for purposes other than those listed in the statute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 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: IL

Complaint narrative:
I am writing to address the unlawful reinsertion of a previously disputed and removed debt on my credit report. This reinsertion occurred without the legally required notification, in violation of the Fair Credit Reporting Act ( FCRA ). Additionally, I am concerned about the accuracy of the information provided, as well as the protection of my personal information, which federal law mandates must be safeguarded by your agency. Accuracy Obligations Under the FCRA and Case Law The FCRA imposes a duty on credit reporting agencies to maintain and follow reasonable procedures to ensure the accuracy of information included in consumer reports. This duty is articulated in 15 U.S.C. 1681e ( b ), which requires that CRAs ensure maximum possible accuracy. Several court decisions underscore the importance of this obligation : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) : The court held that a CRA is responsible for verifying the accuracy of information in a consumers credit report and can not rely solely on the information provided by creditors, especially after a dispute has been raised. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) : This case reinforced that CRAs must conduct a reasonable investigation when a consumer disputes the accuracy of information in their credit report, and that they can not simply rely on the information provided by a creditor. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) : This case emphasized that CRAs must do more than simply verify the accuracy of their data with the original source ; they are responsible for ensuring that the data is correct. 
Permissible Purpose and Protection of Personal Information In addition to ensuring accuracy, federal law requires that CRAs only share my personal information with third parties who have a permissible purpose under the FCRA. Specifically, 15 U.S.C. 1681b outlines the permissible purposes for which a CRA may furnish a consumer report, which includes credit transactions, employment, insurance underwriting, and other legitimate business needs. Importantly, 15 U.S.C. 1681b ( a ) ( 2 ) requires that my written consent must be obtained before sharing my credit report for purposes other than those listed in the statute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

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 2024-10-15 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: LEXISNEXIS
State: CA

Complaint narrative:
Since this is my second request, I will also be providing the reasons for disputing the information. I have enclosed it again sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX XXXX  ) to seek their assistance in resolving this issue. 

Please find below my reasons for dispute : still reporting them as accurate you need to cease and desist this 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 XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was shocked to find inaccurate accounts on my credit report this morning, and I have no clue how they got there. I always check my report regularly, but this time there were random discrepancies. I even tried refreshing the page thinking it was just a glitch, but nothing changed. The wrong accounts stayed there. Given this situation, I need the documents I've sent to be reviewed carefully so I can stop worrying about this once and for all.

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