vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Reviewed most credit report from TRANSUNION and noticed inquiries that did not belong to me. After reaching out to the creditors, I was advised they did not have a record on file of me ever applying for credit with their company. The creditor advised me to contact the CRA to have the inquiry disputed and investigated as they do not have the ability to do so. 

After contacting the CRA I was meant with push-back even though I expressed the inquiries in question did not belong to me and the creditors agreed the inquiries are not attached to any file or application they have with my personal accurate information. 

Per 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by 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 explanation
Consumer complaint received 2024-04-03 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: FL

Complaint narrative:
I signed up for a secured card with XXXX XXXX  on XX/XX/XXXX for {$300.00} to help boost my credit profile. At the beginning every was going well until I ran into some hard times. With the balance, the account was paid off with my {$300.00} deposit which left a balance of {$79.00}. On my credit report, it is listed as an adverse item of information, 15 USC 1681c states that requirements relating to information contained in 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 : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. No adverse item besides the conviction of crimes should be on my report ; any item that is a derogatory mark is not allowed into consumer reports. On the report this item is labeled as a charge-off. According to IRS Laws, charge-offs are considered certificate of indebtedness which is income. That item MUST BE REMOVED IMMEDIALTLY from the credit report. They also violated 15 U.S. Code 1666b - Timing of payments - A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. XXXX XXXX reported to XXXX, Equifax, XXXX, and XXXX, which violates that directly towards me. All actions are subject to 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general - Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of {$1000.00} per violation plus emotional damage. One of the biggest violations that was bestowed onto me was 15 USC 1681a ( 2 ) Exclusions ( A ) ( i ) - report containing information solely as to transactions. That means reporting transaction history is illegal.

In your response back, you need to provide me with the address or email of the destination of my invoice for your willful violation. 

EXCLUSIVELY for XXXX, Equifax, XXXX, and XXXX, your role as a consumer reporting agency is to follow the guidelines of the FCRA, USC, CFR, The Privacy Act of 1974, and IRS Laws. 

XXXX XXXX XXXX, you as well need to follow the guidelines of the FCRA, USC, CFR, The Privacy Act of XXXX, and in addition the IRS Laws as it is for helping with income regardless on how you got it. REMOVE that item immediately off my report. I DO NOT WANT PAID AS AGREED, remove it due to your actions. 

Other violations against me : 15 USC 1681b 15 USC 1681c 15 USC 6802 12 CFR 1016.1 ( a ) ( 1 ) ( 3 ) and the list goes on but it will be listed on the invoice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 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: FL

Complaint narrative:
I signed up for a secured card with XXXX XXXX  on XX/XX/XXXX for {$300.00} to help boost my credit profile. At the beginning every was going well until I ran into some hard times. With the balance, the account was paid off with my {$300.00} deposit which left a balance of {$79.00}. On my credit report, it is listed as an adverse item of information, 15 USC 1681c states that requirements relating to information contained in 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 : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. No adverse item besides the conviction of crimes should be on my report ; any item that is a derogatory mark is not allowed into consumer reports. On the report this item is labeled as a charge-off. According to IRS Laws, charge-offs are considered certificate of indebtedness which is income. That item MUST BE REMOVED IMMEDIALTLY from the credit report. They also violated 15 U.S. Code 1666b - Timing of payments - A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. XXXX XXXX reported to Experian, XXXX, XXXX, and XXXX, which violates that directly towards me. All actions are subject to 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general - Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of {$1000.00} per violation plus emotional damage. One of the biggest violations that was bestowed onto me was 15 USC 1681a ( 2 ) Exclusions ( A ) ( i ) - report containing information solely as to transactions. That means reporting transaction history is illegal. 

In your response back, you need to provide me with the address or email of the destination of my invoice for your willful violation. 

EXCLUSIVELY for Experian, XXXX, XXXX, and XXXX, your role as a consumer reporting agency is to follow the guidelines of the FCRA, USC, CFR, The Privacy Act of 1974, and IRS Laws. 

XXXX XXXX XXXXXXXX, you as well need to follow the guidelines of the FCRA, USC, CFR, The Privacy Act of 1974, and in addition the IRS Laws as it is for helping with income regardless on how you got it. REMOVE that item immediately off my report. I DO NOT WANT PAID AS AGREED, remove it due to your actions.

Other violations against me : 15 USC 1681b 15 USC 1681c 15 USC 6802 12 CFR 1016.1 ( a ) ( 1 ) ( 3 ) and the list goes on but it will be listed on the invoice.

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 2024-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. I am formally requesting the blocking and deletion of these accounts. It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXXXXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX  XXXX Account Number : XXXX XXXXXXXX XXXX XXXX Account Number : 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 2024-04-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
Upon checking my credit report, an account from Credence Resource Management has been reported. I am not aware of the said debt. I mailed a letter to Credence Resource Management asking that said debt is validated pursuant to the Fair Debt Collections Practice Act ( 15 USC 1692 et seq. ), and have not received any further correspondence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Subject : Notice of Dispute - XXXXXXXX XXXX  To Whom It May Concern, I am writing to express my profound dissatisfaction and apprehension regarding the handling of the account XXXX XXXX on my credit report. Upon thorough review, it has become apparent that there are multiple egregious breaches of the Fair Credit Reporting Act ( FCRA ) associated with this account. Therefore, I am urgently requesting immediate action to address and rectify these issues. 

Specifically, I am formally demanding a comprehensive debt validation process, inclusive of the following particulars : Original Contract : Furnish a complete copy of the original contract between the purported creditor and myself concerning the account XXXX XXXX. 

Original Creditor : Clearly disclose the name and pertinent contact details of the original creditor linked to this account. 

Original Open Date : Provide precise documentation regarding the establishment date of the account XXXX XXXX. 

Date of Last Payment : Specify the exact date of the last payment attributed to this account. 

Date Account Was Closed : Clearly indicate the official closure date of the account XXXX XXXX. 

Fully cognizant of my rights under the FCRA, it is evident that XXXX has failed in its duty to ensure the accuracy and validity of the information it reports. I insist upon a prompt and diligent response to address and resolve this matter. 

Failure to adhere to this request within [ 15 days ] from the date of this correspondence will leave me no choice but to pursue legal recourse to enforce my rights under the FCRA. Please regard this as formal notice of my intent to proceed accordingly. 

I anticipate a timely response, accompanied by the requested documentation, to be submitted through the CFPB portal. Furthermore, I request that any necessary corrections to my credit report be promptly implemented.

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 2024-04-03 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:
Subject : Notice of Dispute - XXXXXXXX XXXX To Whom It XXXX Concern, I am writing to express my profound dissatisfaction and apprehension regarding the handling of the account XXXX XXXX on my credit report. Upon thorough review, it has become apparent that there are multiple egregious breaches of the Fair Credit Reporting Act ( FCRA ) associated with this account. Therefore, I am urgently requesting immediate action to address and rectify these issues. 

Specifically, I am formally demanding a comprehensive debt validation process, inclusive of the following particulars : Original Contract : Furnish a complete copy of the original contract between the purported creditor and myself concerning the account XXXX XXXX. 

Original Creditor : Clearly disclose the name and pertinent contact details of the original creditor linked to this account. 

Original Open Date : Provide precise documentation regarding the establishment date of the account XXXX XXXX. 

Date of Last Payment : Specify the exact date of the last payment attributed to this account. 

Date Account Was Closed : Clearly indicate the official closure date of the account XXXX XXXX. 

Fully cognizant of my rights under the FCRA, it is evident that Experian has failed in its duty to ensure the accuracy and validity of the information it reports. I insist upon a prompt and diligent response to address and resolve this matter. 

Failure to adhere to this request within [ 15 days ] from the date of this correspondence will leave me no choice but to pursue legal recourse to enforce my rights under the FCRA. Please regard this as formal notice of my intent to proceed accordingly. 

I anticipate a timely response, accompanied by the requested documentation, to be submitted through the CFPB portal. Furthermore, I request that any necessary corrections to my credit report be promptly implemented.

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 2024-04-03 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: NV

Complaint narrative:
I did not authorize these inquiries. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

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 2024-04-03 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: MD

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 2024-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-04-03 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: NC

Complaint narrative:
I sent a letter to Trans Union and XXXX back on XX/XX/2023 to remove the account with XXXX XXXX XXXX XXXX from my account if they could not provide validation of the account ( contract with my wet ink signature on it ). They never responded to me. There is a social security number showing on my credit file ending in XXXX that does not belong to me. It is obvious that you guys have me mixed up with someone else with a name similar to mines.

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 2024-04-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent a dispute letter challenging the account on my credit report that is reporting inaccurately. The account is XXXX XXXX XXXX XXXX XXXX. I informed Transunion that this is not my account and somehow, they claimed that it was verified. Furthermore, the account has discrepancies between the 3 bureaus. XXXX is reporting 18 late payments while XXXX reports 17 late payments, and Transunion does not report any payment history. XXXX reports that this account is paid off, but Transunion is reporting that this account is 45 % paid. How does this meet FCRA regulations? I do not believe an investigation was done. You have failed to validate this account. Additionally, as per the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611, Subsection A-D ), please provide me with the names and business addresses of each individual who verified the aforementioned items, so that I can follow up accordingly. If you can not furnish this information, remove the account from my credit report. I attached the dispute letter, which is dated, and time stamped along with the inaccurate 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 2024-04-03 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Didn't provide services promised — 
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
WE WERE PUT ON ARM LOAN TOLD WE WERE ON FIXED LOAN WHEN WE COMPLAINED ABOUT PAYMENTS THAT KEPT INCREASING, WE WERE TOLD WE COULD ALWAYS MOVE AND FACE DEFAULT ON OUR LOAN AND FORECLOSURE. SO WHEN THE PAYMENT GOT TO MUCH FOR US WE APPLIED FOR MODEFICATION AND ALWAYS MADE THE TRIAL PAYMENTS HOWEVER, WELLS FARGO KEPT MAKING US REAPPLY OVER AND OVER THEN THEY SAW WE WERE DOING ALL THEY ASKED THEN THEY ILLEAGALLY VIOLATED OUR CIVIL RIGHTS AND DISCRMINATED AGAINST US BY DENING OUR MODEFICATIONS OVER AND OVER BY CONTINUOUSLY LOSING OUR PAPERWORK THEY SAID OR THEY DIDNOT GET IT WHICH WERE ALL LIES I WAS DELIGENT ON GETTING THINGS TO THEM ON TIME TO KEEP OUR HOME ALL THESE THINGS WERE DONE BY WELLS FARGO AND OTHERS TO CAUSE A FORCLOSESURE ON OUR HOME, WHICH THEY FINALLY DID HOWEVER, IT SHOULD NOT HAVE HAPPEN, HAD THEY NOT INTENTIONALLY MISAPPLIED OUR PAYMENTS AND NOT APPLIED OUR PAPERWORK TO THE MODEFICATION. BY DOING THIS THEY COULD KEEP ALL THE MONEY WE PAID INTO OUR HOME AND FORECLOSE AND GET THE HOME AND KEEP THE MONEY. ALSO, THIS IS WHY I WILL FIGHT FOR OUR HOME BACK IN FEDERAL AND STATE COURT OR THE MONIES TO PURCHASE ANOTHER HOME AS THIS STRESS WORRY, BANKRUPTCY, BAD CREDIT HAS CAUSED SICKNESS OF XXXX AND OTHER XXXX XXXX. MUCH MORE CAN BE SAID ABOUT THE HARM WELLS FARGO AND THEIR INVESTORS HAVE CAUSED IN OUR LIVES, WHICH STILL AFFECTS US TODAY. THESE GROSS WRONGS MUST BE MADE RIGHT.

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 2024-04-03 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: CA

Complaint narrative:
This is the third time I have filed a complaint with Experian. I have asked TWO times for them to verify the accuracy of this account in accordance to my fair credit reporting rights and they have NOT done so and verify it as VALID. I also have not received the data I have asked for under my rights to see HOW the account was verified. They fave failed to report accurate and true information and I DEMAND the removal of this account. 
It is illegal for Experian to report this account as being charged off ( C/O ) month after month starting XX/XX/XXXX to today. This inherently re-starts the statute of limitations and is violating my consumer rights. Also their reporting is significantly different than the reporting of XXXX data. I demand this be removed immediately or I will hire legal counsel and sue. 

XXXX XXXX XXXX XXXX XXXX Account number XXXX Opened XX/XX/XXXX {$7900.00}

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 explanation
Consumer complaint received 2024-04-03 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 have opted out with XXXX XXXXXXXX and request to stop sharing my nonpublic personal information. my cfpb complaint number is 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 2024-04-03 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: FL

Complaint narrative:
I have opted out with XXXX XXXXXXXX and request to stop sharing my nonpublic personal information. my cfpb complaint number is 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 2024-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I UNDERSTAND THAT FCRA 605B MANDATES THE REMOVAL OF ANY INCORRECT ACCOUNT FROM MY CREDIT REPORT. COULD YOU PLEASE REVIEW THE DOCUMENTS? SOME OF THE LISTED ACCOUNTS HAVE INACCURACIES, WHICH IS CAUSING ME DISCOMFORT.

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