vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-28 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:
Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for collections. I have tried numerous times to have this situation resolved with no resolutions. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28 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: EQUIFAX, INC.
State: CO

Complaint narrative:
I had auto insurance using this XXXX XXXX with no plm until my travel trailer was stolen. I then reported the theft. I got the paid out check from them for the loss. However, they charged me for auto and travel trailer of under {$300.00}, but they then realized they made a mistake assuming I still have the travel trailer. I did not have it aince XXXX, XXXX. They charged me miatakenly after I called them on why they charged me too high. They fixed it. And I allowed them to take my money using the auto pay system. However, they were going to charge me more than normal. I called last week why they are high. They said it is due to accident in XXXX, XXXX. But that was already counted on the previous policy. Inatead of keeping it same as before, they would charge me for under {$350.00} or more. The truck is only XXXX. The XXXX XXXX ripped me off big time. Plus they used my credit score or report without my permission. I wanted to purchase a life insurance and they rejected my application to get a life insurance. See their letter. Again, they are being cruel to me. The credit score changed for some reason. Also, the amounts of money they took from my bank were irregular. They did not take the same amount per month. They are not balancing right with my bank account and insurance policy. Very fishy. Equifax did have repeatedly used very, very, very old information on my credit record. They are probably racists setting me up to fail and keep me stuck in the level and would NOT let me cross XXXX. I see their credit repoets do not have XXXX apartments information that I had/have lived. No credit record was charged at all before and after living in apts and using utlities. No changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 an account without my written instruction.

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 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 2023-12-28 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: MD

Complaint narrative:
As per the Fair Collection Act ( FCRA ), specifically 15 USC 1681 section 1681 ( a ) ( 1 ), the stability of the banking system relies on fair and accurate credit reports. This emphasizes the importance for customer reporting agencies, such as Experian, to carry out their responsibilities with fairness, impartiality, and respect for consumers ' privacy rights. As a consumer, I am entitled to ensure that my private information is not shared, as supported by 15 USC 6801, which states that each financial institution must respect customer privacy and protect the security of nonpublic personal information. I did not provide consent for the credit agencies to furnish my personal information. Caused mental anguish and harm for me and my family when I was denied/ unable to use the extension of credit do to these late payments when Congress states in U.S Code 1666 ( b ) that a creditor can not categorize an account with open-end credit plan as late payments for any purpose. 
12 CFR 1022.3 defines fraud as committing or attempting to use the identifying information of another person without authority, which is considered identity theft. The Family Education Rights and Privacy Act of 1974 prohibits the disclosure of records contained in a system of records without the written request or prior consent of the individual to whom the records pertain.

Per 15 USC 1681 section 604 ( a ) section 2, a consumer reporting agency can furnish a consumer report only in two circumstances : with written instructions from the consumer or in response to an order from a court with jurisdiction. I am unaware of any consent given to report transaction history involving other parties on the consumer report. According to 15 USC 6802 ( b ) ( c ), a financial institution can not disclose nonpublic information to a nonaffiliated third party without explaining to the consumer how they can exercise the nondisclosure option. In my case, the furnisher of information to credit agencies did not inform me of my rights to exercise this option.

Furthermore, 15 USC 1681C ( a ) section 5 prohibits consumer reporting agencies from including certain adverse information in a consumer report, especially without authorization. The reporting of adverse items without my permission, as in the case of this account, violates the law. According to 15 U.S. Code 1691-2 ( A ) ( 1 ) A, it is unlawful to furnish inaccurate information to consumer reporting agencies, Experian are not maintaining reasonable procedures as required by 15 U.S. Code 1681e. Finally, 12 CFR 1016.7 allows consumers to exercise the right to opt out of any reporting services at any time. I am hereby choosing to opt out of your reporting services.

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 2023-12-28 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: Medical Data Systems, Inc.
State: NC

Complaint narrative:
I was attending an amusement park, and my wallet went missing. I informed the authorities, and a report was made in case it could be recovered. I recently obtained a copy of my credit report and notice an account that I have no affiliation or knowledge of. I reached out to this company to gain more information and have requested verification without a response. This account being furnished to my profile is in violation of 15 USC 1681. Not only should an account not be furnished without my permission, but also should not be furnished due to identity theft. Furnishing these accounts are not only violating my rights but affecting my ability to obtain credit. I have no idea what MED DATA SYS company is nor have I ever had an account with this company update** I reached out to MED DATA SYS, it was stated that this company could not locate an account for me but they're still reporting on my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
This is in reference to a bankruptcy that is reported on my credit report. 

XX/XX/23 - Sent letter advising that this account is not accurate, and to please remove from my report. Never received a response. 

XX/XX/23 - Sent a second letter letting them know that this is still showing negatively and inaccurately on my report and requesting for it to be removed. Still no response. 

XX/XX/23 - Sent a third letter advising that this is still on my report in a negative status, that I have never received any response and once again requesting this be removed from my report. Again, no response. 

XX/XX/23 - Sent letter requesting method of verification and if not able to provide this, to remove from my report immediately. Again, no response. 

XX/XX/23 - Sent letter of formal complaint that they are reporting inaccurate and unverifiable information on my report. I was demanding to see their verifiable proof and that if they couldn't provide this - to remove the account immediately from my report. - Once again, no response. 

XX/XX/23 - Sent last letter advising of the numerous times I have requested this account to be verified including the method of verification and the person with whom they verified it with - or to be removed. I let them know that if this was not done, I would be filing an official complaint with the CFPB - and that is what I am doing today.

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 2023-12-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account status incorrect
Company: Statebridge Company
State: NJ

Complaint narrative:
I spoke to XXXX XXXX at Statebridge company LLC who was my account representative and two other people who stated that we were in a repayment plan so it should not have been negatively reported on our credit scores. It was stated multiple times by three different people that the negative marks should have been removed from our credit scores for the time we were on the plan. Our account was paid in full in XX/XX/XXXX. I feel they mis represented the information that was told to us. I was told no one worked in the credit reporting department and we could not speak to anyone else. I would just like to have negative remarks removed from our credit reports for the months of XX/XX/XXXX to XX/XX/XXXX. I am not asking for all marks to be removed, just for the time they stated we should not have marks on our credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 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: NV

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XXXX XXXX I received XXXX notifications from Experian XXXX  the XXXX XXXX that all XXXX accounts wer paid and decreased. Also the credit score was deducted XXXX points pertaining to this new information. The XXXX loan has never been reported late it in negative status. 
The s Or should have sent up or remained the same. There were no ther visible or detailed information of any other changes to accounts at the time of the significantly drop of XXXX points to the score. Under the d ire when you click the see what changed it states that the s ire dropped for accounts being paid and the balance decreasing. The account is current and paid. There should not have been a drop in the s off pertaining to the student loan information.

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 2023-12-28 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: FL

Complaint narrative:
This account is reporting late reported in my Experian and XXXX Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify from themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from this account. XXXX XXXX and 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 2023-12-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-12-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Pawn loan
Issue: Property was sold — 
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
i entered in an installment loan with ONEMAIN on XX/XX/XXXX. I defaulted on the agreement, the XXXX XXXX XXXX was reposessed and sold at auction. which i didnt recieve any form of notification of where the auction occured nor date or time. which law states that the person who items of reposession should be be issued this info post auction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 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: NJ

Complaint narrative:
I am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion.

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation.

Enclosed are copies of documents supporting my claim for your review.

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.

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 2023-12-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: OK

Complaint narrative:
I received this AmEx gift card for XXXX on XX/XX/24. There is {$100.00} on the card. Ive attempted to use the card online at XXXX, XXXX, and XXXX. I attempted to use the card at XXXX  in person and at XXXX Convenience store in person. I called customer service XXXX different times and each time was told that my card was active and there was no problem and I needed to try a different retailer. These transactions were done between XXXX. I have been charged XXXX cents per transaction. I havent tried to split purchases and I havent attempted to spend more than what is listed on my card in the available balance. I even attempted to use the card to buy a gift card at XXXX and then tried again at XXXX to see if that would help. Customer service offers no solutions and will not send me a replacement card. I know of several other people that are having this issue, some within my own family. I want my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Payfare International Inc.
State: AR

Complaint narrative:
Im writing because this company refused to give cardholders their money back after theyve been scammed. They offer NO SECURITY LIKE OTHER BANKS DO. If youre a XXXX? Keep your bank. Pay extra for the moving of your funds. I was scammed by an apartment complex for {$200.00} based on false advertisement and predatory practices to rope in new tenants as a scam. This apartment complex refused to give me my money back after being called XXXX XXXX. And XXXX XXXX refuses to refund it as well. Although I offered to give them proof of the scam. Beware to NEVER USE XXXX XXXX! And if youre a XXXX? They have a class action lawsuit. Its actually disheartening that we must come to this. That we must actually go to these lengths to get our money. It makes you wonder how a company like XXXX continues to stay in business. It makes you feel as if they dont care about their drivers and their financial security.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 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:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax, has admitted that/ was in fact a victim of this data breach and Equifax has done nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 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: M&T BANK CORPORATION
State: MD

Complaint narrative:
I am writing to express my serious concern and dissatisfaction regarding the mishandling of my personal information, leading to a negative impact on my credit score. I have recently obtained my credit report from your bureau, and upon careful review, I have identified several inaccuracies and instances of unauthorized use of my information. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C 1681, I am entitled to accurate and fair reporting of my credit information. It has come to my attention that the following issues have occurred : Unauthorized Inquiry : I have identified an unauthorized inquiry on my credit report, which appears to have been made without my knowledge or consent. This unauthorized inquiry has contributed to the decline in my credit score. Incorrect Account Information : There are inaccuracies in the account information reported, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhese inaccuracies have unfairly impacted my creditworthiness. 

Identity Theft Concerns : The discrepancies in my credit report raise serious concerns about potential identity theft or fraud. I request a thorough investigation into these discrepancies to ensure that my personal information is not being misused by any unauthorized parties. 

I am attaching copies of relevant documents that support my claims, including proof of the unauthorized inquiry and any evidence that substantiates the inaccuracies in my credit report. I kindly request that you promptly initiate an investigation into these matters, in accordance with the FCRA. 

Under 15 U.S.C 1681i ( a ) ( 1 ), I request that you investigate the disputed information within 30 days of receiving this letter and, if necessary, correct or delete any inaccurate or incomplete information. Additionally, I request that you provide me with a written report of the results of the investigation. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Failing to rectify these issues promptly may compel me to take further legal action to protect my rights under the FCRA. 

Please acknowledge receipt of this letter and inform me of the actions taken to address these concerns. I can be reached at XXXX or XXXX. 

Thank you for your immediate 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