vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-31 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern, I am writing to formally dispute unauthorized inquiries that have appeared on my credit report. I have no recollection of authorizing these credit pulls, and I demand that they be removed from my report immediately. The unauthorized inquiries are as follows : XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX Violation : Unauthorized Inquiry I have no recollection of authorizing this credit pull, and I demand this inquiry to be removed. 

XXXX XXXX Date of Inquiry : XX/XX/XXXX Violation : Unauthorized Inquiry I have no recollection of authorizing this credit pull, and I demand this inquiry to be removed. 

XXXX XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX Violation : Unauthorized Inquiry I have no recollection of authorizing this credit pull, and I demand this inquiry to be removed. 

I kindly request that you promptly investigate these unauthorized inquiries and take the necessary actions to remove them from my credit report. The unauthorized inquiries are affecting my credit score and overall financial well-being. 

As per the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and error-free credit report. I expect these inquiries to be removed in a timely manner to ensure the integrity of my credit history. 

Thank you for your attention to this matter. Please provide a written response within 30 days to confirm the actions taken to address these unauthorized inquiries. 

Sincerely, 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 2023-08-31 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: MO

Complaint narrative:
I sent a letter out on XX/XX/2023 to XXXX, XXXX, and Equifax. However, its been more than 30 days, and the credit bureaus failed to send my investigation back. This is unacceptable. 

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. if 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31 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: MO

Complaint narrative:
I sent a letter out on XX/XX/2023 to Experian, XXXX, and XXXX. However, its been more than 30 days, and the credit bureaus failed to send my investigation back. This is unacceptable. 

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. if 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 2023-08-31 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:
There are a lot of UNAUTHORIZED and FRAUDULENT inquiries on my credit report ( XXXX XX/XX/2023, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/2023, XXXX XXXX XX/XX/2023, XXXX XX/XX/2023 ). I am not the one who initiated these inquiries. I am submitting a complaint regarding this inquiries and for assistance to REMOVE them from my credit report immediately. 

These inquiries got tripled compared to my last credit report. Please don't close this complaint and mark is as a duplicated complaint because I need them to be removed badly.

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 2023-08-31 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: TX

Complaint narrative:
There are a lot of UNAUTHORIZED and FRAUDULENT inquiries on my credit report ( XXXX XX/XX/2023, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023, XXXX XX/XX/2023, XXXX XXXX XX/XX/2023, XXXX XX/XX/2023 ). I am not the one who initiated these inquiries. I am submitting a complaint regarding this inquiries and for assistance to REMOVE them from my credit report immediately. 

These inquiries got tripled compared to my last credit report. Please don't close this complaint and mark is as a duplicated complaint because I need them to be removed badly.

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 2023-08-31 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: NV

Complaint narrative:
I HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT, FRAUDULENT, AND OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER, THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT IT COMES BACK VALIDATED EVEN THOUGH THE INFORMATION IS INCORRECT AND FRAUDULENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TX

Complaint narrative:
Took out a parent plus loan for my son XXXX XXXX, {$13000.00} dollars, for him going to XXXX XXXX XXXX university. I filed for XXXX XXXX XXXXXXXX paid the loan, have receipts from the trustee payments going out to fedloan servicing in XXXX XXXX Called Mohela since they took over the loans and transferred all of them. This was a high priority from my lawyers to the trustee and fed loan department. All payments were made. To this day they still show as not being paid, on my account and my sons account since I co-signed. I have all the paperwork. I need assistance. Im now retired marine with minimum income coming in. 100 percent XXXX XXXXXXXX. 
Thank you XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Trident Asset Management, L.L.C.
State: MS

Complaint narrative:
I paid off my collection over a year ago with the agreement that once I made the payment they would delete the collection from my account so I proceeded to pay it online. Once the payment was made I called back to confirm they were processing the deletion of the collection I was told yes they were! Over time I was preparing to buy a home and pulled my credit report and still saw the collection account listed as an open collection with a {$0.00} balance! It was still listed as a negative item on my credit report! I called them back and was told I did not do a pay for delete I told them about the agreement that I first had to even pay the account! I then asked if I could just pay them to delete the account I was told no and they would not delete it either! This is a paid off collection account! I owned up to my debt and paid my debt and they will not do the right thing and delete the account from my credit report! 

Under the FDCPA, any such action, or threat of such action is a violation of the law, and grounds for fines and civil sanctions. 

807.False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. 
The penalty provisions of the FCRA and FACTA are also in effect, including FACT Act changes final rules effective XX/XX/2010. 
Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of- ( A ) the character, amount, or legal status of any debt; or ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the XXXX, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. 

( XXXX ) The threat to take any action that can not legally be taken or that is not intended to be taken. 

This notification to you is of applicable legal statutes, codes and laws.Other Federal and State laws may apply.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts and incorrect personal information below was posted to my consumer credit report inaccurately and without my consent. My federally protected consumer rights to privacy and confidentiality under 15 USC 1681 has been violated. 

Accounts XXXX. XXXX XXXX - Acct # XXXX XXXX. XXXX XXXX - Acct # XXXX XXXX. XXXX XXXX - Acct # XXXX XXXX. XXXX XXXX - Acct # XXXX XXXX. XXXX - Acct # XXXX XXXX. XXXX XXXX - Acct # XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX. XXXX XXXX XXXX - Acct # XXXX Personal Information 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, NJ XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, NY XXXX As you can see there are multiple inaccuracies that was posted on my consumer report. 
15 U.S.C. 1681 section 602 A. States that I have the right to privacy. My privacy has been breached.

15 U.S.C 1681 Section 604 A Section 2 : states that a consumer reporting agency can not furnish a account without my written permission. I did not give any written permission for these agencies to furnish these account on my consumer report.

15 U.S.C 1681 Information excluded from consumer reports : Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) 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 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.

( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

15 U.S.C 1681 ( 2 ) 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 ; I have been severely affected financially by the information listed above which are all incorrect. To satisfy this harm that has been done to me, I am requesting a deletion of all the accounts and personal information listed above immediately.

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 2023-09-01 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts and incorrect personal information below was posted to my consumer credit report inaccurately and without my consent. My federally protected consumer rights to privacy and confidentiality under 15 USC 1681 has been violated. 

Accounts XXXX. XXXX XXXX - Acct # XXXX XXXX. XXXX XXXX - Acct # XXXX XXXX. XXXX XXXX - Acct # XXXX XXXX. XXXX XXXX - Acct # XXXX XXXX. XXXX - Acct # XXXX XXXX. XXXX XXXX - Acct # XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX. XXXX XXXX XXXX - Acct # XXXX Personal Information 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, NJ XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, NY XXXX As you can see there are multiple inaccuracies that was posted on my consumer report. 
15 U.S.C. 1681 section 602 A. States that I have the right to privacy. My privacy has been breached.

15 U.S.C 1681 Section 604 A Section 2 : states that a consumer reporting agency can not furnish a account without my written permission. I did not give any written permission for these agencies to furnish these account on my consumer report.

15 U.S.C 1681 Information excluded from consumer reports : Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) 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 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.

( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

15 U.S.C 1681 ( 2 ) 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 ; I have been severely affected financially by the information listed above which are all incorrect. To satisfy this harm that has been done to me, I am requesting a deletion of all the accounts and personal information listed above immediately.

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 2023-08-31 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: 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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 2023-08-31 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: 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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
In accordance with the fair credit Reporting act Capital One Account, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for an purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Two years ago I was contacted by midland credit about several debts in my name that I hold no knowledge of the accounts were opened shortly after my apartment was broken into in XXXX in XXXX XXXX Ga. I have absolutely no knowledge of these accounts and want this removed from my credit I have disputed these accounts several times with no luck now I am being threatened with a lawsuit for something I know nothing about

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
CCS is furnishing a negative account on to my consumer report. I have sent CCS a cease and desist to remove the negative account from my consumer report as that is a form of communication. However, CCS is still furnishing the negative account which is causing me to be denied credit and causing mental anguish. 

Tracking number : XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation