vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-27 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: SC

Complaint narrative:
I, XXXX XXXX, am addressing multiple violations of the Fair Credit Reporting Act ( FCRA ) that I have encountered. The violations include issues with inaccurate reporting, unauthorized hard inquiries, and improper debt collection practices. Specifically : Failure to Verify Information ( FCRA Section 616 ) : I found that my credit information was accepted by credit reporting agencies without proper verification, which is a violation of the FCRA. Under 15 U.S. Code 1681s-2, these agencies are required to ensure the accuracy of the information they report. Because they failed to do so, I am entitled to civil liability of up to {$1000.00} per violation.

Non-Disclosure of Opt-Out Rights ( FCRA Section 603 ( d ) ( 2 ) ( A ) ) : I was not informed of my right to opt-out of sharing my personal information with third parties, as required by law. This omission is a clear violation of my consumer rights and deceptive in nature.

Deceptive Reporting of Inaccurate Information ( FCRA Section 623 ( a ) ( 3 ) ) : I noticed several inaccurate inquiries and accounts reported under my name without proper validation. This is in violation of the FCRA Section 623, which requires that information furnished to credit reporting agencies must be accurate.

Debt Collection Violations : Several of the reported debts were inaccurately reported without my consent or proper validation. As per 15 U.S. Code 1692g, debt collectors are required to provide proper validation before continuing to report debts or attempt collection. Without this validation, these debts must be removed from my report.

Unauthorized Hard Inquiries ( FCRA Section 1681b ) : Unauthorized hard inquiries from companies like XXXX XXXX XXXX and XXXX XXXX XXXX  were made without my written consent, in violation of 15 U.S. Code 1681b ( a ) ( 2 ), which mandates that consumer reports should only be accessed with a permissible purpose. These inquiries need to be deleted immediately. 

Inaccurate Payment Reporting : I found multiple accounts, such as those with XXXX XXXX and XXXX, inaccurately reporting late payments. As per 15 U.S. Code 1681a ( 2 ) ( i ), the information provided to credit reporting agencies must be correct, and I demand these accounts be updated to reflect " paid as agreed/never late '' if they were paid on time. 

Given these violations, I am demanding immediate action to correct my credit report, including removal of inaccurate accounts, deletion of unauthorized inquiries, and proper validation of reported debts. If these issues are not resolved promptly, I will be forced to pursue legal action as allowed under the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit score has been severely impacted by an account that recently appeared on my report without my authorization. This single account is causing significant damage to my credit standing, creating an inaccurate reflection of my financial history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Follow Up Letter : Proof Of Verification For Previous Complaint # XXXX If you verified the debt provide me with the original contract or a contract that I signed with your company pacifically and that I'm going to be paying back to you. I need you to explain to me if this debt was charged off or written off how do I still owe this? I'm requesting the XXXX meaning the debt has been forgive and I no longer have to pay it, but I have to write off the debt as income on my taxes. So where's the XXXX? How did you verified this debt? Send me proof of the contract and your validation, so we can move forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: NJ

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: DE

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: SC

Complaint narrative:
I, XXXX XXXX, encountered several violations of my rights under the Fair Credit Reporting Act ( FCRA ), which prompted me to address these issues directly. The violations include : Willful Noncompliance ( 15 USC 1681n ) : Credit information was accepted and reported without proper verification, constituting willful noncompliance, which carries penalties of up to {$1000.00} per violation.

Failure to Disclose Opt-Out Rights ( 15 USC 1681a ) : My right to opt out of the sharing of personal information was not disclosed, which is both deceptive and a breach of my consumer rights.

Furnishing Deceptive Forms ( 15 USC 1681s-2 ( a ) ( 3 ) ) : Inaccurate inquiries and accounts were reported without proper validation, violating reporting standards and Generally Accepted Accounting Principles ( GAAP ).

Violations of the Fair Debt Collection Practices Act ( FDCPA ) : Inaccurate debts and accounts were reported without my consent, leading to harassment and undue distress.

Improper Disclosure to Third Parties ( 15 USC 1692c ( b ) ) : Debt collectors improperly disclosed debt-related information to third-party credit reporting agencies, which is prohibited.

Late Payment Reporting : My credit report included alleged late payments without a clear definition or accurate reporting, resulting in misleading and deceptive entries.

Errors in Finance Charge Determinations : Finance charges were inaccurately determined and reported, violating responsibilities as a credit reporting agency.

Unauthorized Reporting of Information ( 15 USC 1681b ) : Information was included on my credit report without my written consent, breaching permissible purposes under the FCRA.

In response, I have demanded the validation of certain debts under 15 USC 1692g, the removal or correction of inaccuracies in payment history under 15 USC 1681a, and the deletion of unauthorized hard inquiries under 15 USC 1681b ( a ) ( 2 ). Additionally, I have requested evidence such as signed applications or contracts for specific accounts or their immediate removal if validation can not be provided. 

Failure to address these violations promptly will leave me with no option but to pursue legal remedies under the FCRA. I expect timely and corrective action to rectify these issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hello, I am writing to formally address a serious issue regarding unauthorized and inaccurate information being reported on my credit file. I never provided consent for this information to be added to my report, and its presence is a clear violation of my right to privacy. It is both insulting and defamatory to have such erroneous details associated with my name. This inaccurate reporting is directly harming my XXXX XXXX and negatively affecting my life, as I am facing repeated denials for new credit applications due to your negligence. I want to emphasize that both XXXX and XXXX have already reviewed this matter and confirmed that the information was inaccurate and unverifiable, leading to its removal from my reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Colony Brands, Inc.
State: PA

Complaint narrative:
My husband opened a credit card with Country Door in my name. I want my name removed I called them several times and keep getting the run around. 
First they said my husband has to write them and put the account in his name- he did this and they still refuse to remove my name- they are ruining my credit I called again and told them my husband sent a notice to remove my name and put it in his name. XXXX I was told. Oh no he has to write a letter and have it noterized! 
This is ridiculous. My husband told them it is his card and yet they refuse to change it I told them not to call me and they keep harassing me every day- calling me. My nerves are shot! I want my name removed as my husband told them and to stop calling me- that is harassment

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SOFI TECHNOLOGIES, INC.
State: IL

Complaint narrative:
At this point in time, I am just looking for where the funds are. In the beginning of XX/XX/year> my Sofi bank account was closed for unknown activity on my account for a withdraw in a different state. That was fine, but they had not sent a check for the funds and instead sent me to a investigative unit to look into my funds. After a week they denied my a check for no reason and said that the money had returned back to the originator which is the IRS. What I did in response was call the IRS for a look into the funds and the bank. The IRS has given me a referral notice and is looking to the matter as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: MO

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

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 2024-11-27 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: MO

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-11-27 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX 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 2024-11-27 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: MO

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: MO

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: FL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Inconsistent late payments appear on my credit report. Please investigate and amend these inaccuracies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Prosper Marketplace, Inc.
State: MO

Complaint narrative:
I applied for a personal loan online, was pre approved, and hard credit query was performed. Upon approval, I was required to submit XXXX documents, a pay stub, and a document with my bank information ( bank statement or voided check were specified ). I provided a bank statement, which was declined due to part of the account number being blurred. They then requested a voided check. I went to my bank and got a voided check, scanned and submitted it. Then XXXX hours later, I received a message telling me my document verification could not be completed and that I had a detailed message sent to my account inbox regarding this message. Within the same minute, I received another email telling me my account had been terminated. Now I can not access the account to view the message, and I have spoken with XXXX people on the phone within the company to try to figure out where I can receive this message and all three have told me I will not be receiving another message and they can not help 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 2024-11-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Someone bought a motorcycle under my name and got insurance using my personal information. I received a letter from credit collection services for an attempt to collect a debt on XX/XX/24. I never had progressive insurance. I contacted XXXX  's fraud department. I will file a police report next. I will upload a copy of my auto insurance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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