vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-31 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In, accordance with the Fair Credit Reporting Act Experian and Experian Fraud services has violated my rights. Inaccurate reporting 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 ( Experian ) can not furnish an account without my written instruction of permission. 15 USC 1666B. Also as a consumer per 15 US code 1681n : Civil liability for willful noncompliance. In case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose actual damages sustained by consumer as a result of the failure or {$1000.00} whichever is greater. XXXX XXXX XXXX XXXX open date XX/XX/XXXX balance : {$23000.00}. XXXX XX/XX/XXXX balance : {$1800.00}. XXXX XXXX  open date : XX/XX/XXXX. {$1000.00}. XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX Balance : {$4000.00}. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, balance {$2000.00}. XXXX XXXX XXXX  XX/XX/XXXX, {$1800.00}. XXXX  with numerous innaccurate reporting. open date XX/XX/XXXX balance {$6000.00} i did not consent nor authorize Experian or this company to run my credit or use my social security number. I would like to be reimbursed {$1000.00} per violation. Please delete Negative fraud inquiries and non mailable address. Fraud inquiries include XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX. Non mailable fraud address XXXX XXXX XXXXXXXX XXXX Tx XXXX. Experian and the corresponding accounts reported are also in violation of 15 US Code 1681c-2 Block of information resulting from identity theft. These accounts are all related to identity theft i have provided the necessary documentation under this law and the accounts still remain on my 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 explanation
Consumer complaint received 2024-12-31 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 # XXXX Account name : XXXX  # XXXX Account name : XXXX # XXXX Account name : XXXX  XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX # XXXX has violated my rights . 
I looked at Trans union credit report on XXXX XXXX and noticed somethings are incomplete and not accurate.And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2024-12-31 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: RI

Complaint narrative:
Three credit inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are erroneously reported on my credit report. I have no recollection of applying for credit with these institutions. These inquiries are negatively impacting my credit score, hindering my ability to secure loans and potentially causing financial harm. I request an investigation into these inquiries and production of any credit applications bearing my signature for these reported inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am writing to dispute the late payment ( s ) reported on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and request their removal from my credit report, as they involve private information protected under the Fair Credit Reporting Act ( FCRA ).

Specifically, 15 U.S. Code 1681b ( 4 ) affords me the right to privacy by ensuring that any information related to my late payments, which may be considered private or sensitive, can not be disclosed to third parties unless necessary and in compliance with the law. Given the private nature of such information, I believe the reporting of these late payments may violate my right to privacy under this statute.

Therefore, I respectfully request that you review the reporting of my account and remove any late payment entries that may be in violation of my privacy rights, as outlined under the Fair Credit Reporting Act. 

Please provide written confirmation of the removal of these entries or any corrections made to my account. I also request an updated statement or credit report reflecting the necessary adjustments. 

Thank you for your attention to this matter. I look forward to your prompt resolution.

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 2024-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My information has been apart of XXXX XXXX XXXX and Social security data breach. I notice inquiries on my credit report and debt that I don't recognize.

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 2024-12-31 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: CA

Complaint narrative:
I am reaching out to address multiple issues with my credit report, including incorrect account entries, an unfamiliar collection, unauthorized credit inquiries, and other reporting inaccuracies. Your assistance is essential in resolving these concerns to safeguard my financial well-being.

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 2024-12-31 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am reaching out to address multiple issues with my credit report, including incorrect account entries, an unfamiliar collection, unauthorized credit inquiries, and other reporting inaccuracies. Your assistance is essential in resolving these concerns to safeguard my financial well-being.

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 2024-12-31 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: Rozlin Financial Group, Inc.
State: IL

Complaint narrative:
Hear by I XXXX XXXX ,15 USC 1681 right to privacy and FTC report hereby went to dispute all negligence on my credit report due to harassing phone calls emails ECT,... but due to that my personal information of myself has been leaked and exposed in the data break.but will also went everything removed and be cleared..

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 2024-12-31 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: Kikoff Inc.
State: IL

Complaint narrative:
Hear by I XXXX XXXX XXXX15 USC 1681 right to privacy and FTC report hereby went to dispute all negligence on my credit report due to harassing phone calls emails ECT,... but due to that my personal information of myself has been leaked and exposed in the data break.but will also went everything removed and be cleared..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I disputed a collection account on my credit report on TransUnion and they said they investigated and find out its accurate. I requested them to provide me with the description of the procedure they used to determine the accuracy of the information that I disputed. They violate my consumer right by Non-Compliance according to FCRA 15USC 1681i ( a ) ( 6 ) ( B ) ( iii ) mandated them to do. This situation causing me hardship because I can`t be able to get approval for credit cards or loan. The collection account is 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 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 non-monetary relief
Consumer complaint received 2024-12-31 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: CA

Complaint narrative:
Since XXXX, my husband and Is information and SSN have been sold on the dark web. In XXXX, XXXX XXXX XXXX ( born in XXXX ) sold my husband and Is information on the dark web. He used our name, SSN applied for a mortgage, car loan, and credit cards. 
In XXXX, our information was sold again on the dark web. There were many buyers and we received the highest bills. 
Equifax was unwilling to provide information about these loan and credit card companies, nor was it willing to mail a credit report to my home. The company has always treated me as a criminal, and regarded the criminal with mortgages, car loans, and credit cards as the real me. I sent an e-mail to Equifax XXXX, and then entered into dispute resolution and restored my identity. 
You have the most complete loan information and credit card information. Please help me, terminate these criminals using my name and my husband 's name XXXX XXXX XXXX for these mortgages, car loans, credit cards. 
XXXX also said his is my partner ( not ), my boyfriend ( not ), applied for a mortgage. 
These car loan, mortgage, and credit card companies did not send a letter to my home for confirmation, and they loaned money to these criminals. This is a financial loophole in the United States, and we hope to solve this problem. 
I need your help! 
Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: CA

Complaint narrative:
Since XXXX, my husband and Is information and SSN have been sold on the dark web. In XXXX, XXXX XXXX XXXX ( born in XXXX ) sold my husband and Is information on the dark web. He used our name, SSN applied for a mortgage, car loan, and credit cards. 
In XXXX, our information was sold again on the dark web. There were many buyers and we received the highest bills. 
XXXX was unwilling to provide information about these loan and credit card companies, nor was it willing to mail a credit report to my home. The company has always treated me as a criminal, and regarded the criminal with mortgages, car loans, and credit cards as the real me. I sent an e-mail to XXXX XXXX, and then entered into dispute resolution and restored my identity. 
You have the most complete loan information and credit card information. Please help me, terminate these criminals using my name and my husband 's name XXXX XXXX XXXX for these mortgages, car loans, credit cards. 
XXXX also said his is my partner ( not ), my boyfriend ( not ), applied for a mortgage. 
These car loan, mortgage, and credit card companies did not send a letter to my home for confirmation, and they loaned money to these criminals. This is a financial loophole in the United States, and we hope to solve this problem. 
I need your help! 
Thanks!

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 2024-12-31 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: NY

Complaint narrative:
Subject : Urgent Request for Investigation and Removal of Inaccurate Bankruptcy Information To Whom It May Concern, This is now the fourth time I am writing to dispute the inaccurate and incomplete bankruptcy information reported on my credit report. Despite my previous requests, this matter remains unresolved. The repeated lack of response and corrective action not only violates my rights under the Fair Credit Reporting Act ( FCRA ) but has also caused unnecessary stress and potential harm to my financial reputation. 
Details of the Inaccuracy The bankruptcy information reported on my credit file contains multiple inaccuracies and inconsistencies across bureaus, as outlined below : Type : XXXX XXXX Bankruptcy Status : Discharged Filing Dates : XXXX XXXX XXXX XXXXXX/XX/year> o Equifax : XX/XX/year> Closing Date : XXXX XXXX XXXX XXXXXX/XX/year> o Equifax : Missing Court Information : o Experian : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Equifax : Federal Remarks Section : o Missing or incomplete across multiple bureaus. 

Violations of the Fair Credit Reporting Act ( FCRA ) : 1. FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : Credit reporting agencies must ensure the maximum possible accuracy of the information reported. The discrepancies in filing dates, closing dates, and court details clearly violate this requirement.

2. FCRA Section 611 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681i ) : Credit bureaus are legally obligated to investigate disputes and correct inaccuracies within 30 days. Failure to do so constitutes a breach of consumer rights under federal law. 
XXXX. FCRA Section 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ) : Information furnishers are prohibited from knowingly reporting inaccurate or incomplete information.

4. FCRA Section 605 ( a ) ( 1 ) ( 15 U.S.C. 1681c ) : Bankruptcies must be reported accurately and can not contain incomplete or outdated information. 
Repeated Dispute Attempts I have submitted multiple written requests to resolve this matter, yet the inaccuracies persist. Your lack of corrective action reflects noncompliance with the FCRA and demonstrates a disregard for my rights as a consumer. 
This failure to act has caused undue stress and financial harm, as inaccurate bankruptcy information damages my ability to obtain credit and move forward financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: NY

Complaint narrative:
Subject : Urgent Request for Investigation and Removal of Inaccurate Bankruptcy Information To Whom It May Concern, This is now the fourth time I am writing to dispute the inaccurate and incomplete bankruptcy information reported on my credit report. Despite my previous requests, this matter remains unresolved. The repeated lack of response and corrective action not only violates my rights under the Fair Credit Reporting Act ( FCRA ) but has also caused unnecessary stress and potential harm to my financial reputation. 
Details of the Inaccuracy The bankruptcy information reported on my credit file contains multiple inaccuracies and inconsistencies across bureaus, as outlined below : Type : XXXX XXXX  Bankruptcy Status : XXXX Filing Dates : XXXX XXXX XXXX XXXXXX/XX/2015 o Equifax : XX/XX/2015 Closing Date : XXXX XXXX XXXX XXXXXX/XX/XXXX o Equifax : Missing Court Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax : Federal Remarks Section : o Missing or incomplete across multiple bureaus. 

Violations of the Fair Credit Reporting Act ( FCRA ) : 1. FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : Credit reporting agencies must ensure the maximum possible accuracy of the information reported. The discrepancies in filing dates, closing dates, and court details clearly violate this requirement.

2. FCRA Section 611 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681i ) : Credit bureaus are legally obligated to investigate disputes and correct inaccuracies within 30 days. Failure to do so constitutes a breach of consumer rights under federal law. 
XXXX. FCRA Section 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ) : Information furnishers are prohibited from knowingly reporting inaccurate or incomplete information.

4. FCRA Section 605 ( a ) ( 1 ) ( 15 U.S.C. 1681c ) : Bankruptcies must be reported accurately and can not contain incomplete or outdated information. 
Repeated Dispute Attempts I have submitted multiple written requests to resolve this matter, yet the inaccuracies persist. Your lack of corrective action reflects noncompliance with the FCRA and demonstrates a disregard for my rights as a consumer. 
This failure to act has caused undue stress and financial harm, as inaccurate bankruptcy information damages my ability to obtain credit and move forward financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: MA

Complaint narrative:
I called the Federal Student Aid office on Monday, XX/XX/XXXX and happily discovered that I have completed XXXX of XXXX PSLF ( Public Service Loan Forgiveness ) payments on my financial aid loans. So, when I make XXXX more payments I will meet the requirements of the PSLF program to qualify for the balance of my financial aid loan to be forgiven. XXXX, the phone rep explained that I could " buy back '' these XXXX months and guided me through the application process online. The Massachusetts Attorney General 's Student Loan Assistance Unit explained to me via email that the buy back processing has been paused. This means that I have to pay XXXX more monthly installments and accrue more interest on my loans. In addition, I received a letter via email from EdFinancial dated XX/XX/XXXX explaining that my next monthly IDR payment of {$1000.00} will automatically be debited from my checking account on XX/XX/XXXX. ( I am on auto pay ). This figure seems quite high as EdFinancial handles half of my outstanding student loan balance of {$100000.00}, and XXXX handles the other half ( {$100000.00} ). I called EdFinancial on XX/XX/XXXX to discuss the miscalculation of my monthly IDR payment with a supervisor. The phone rep explained that she could not transfer me to a supervisor, that the supervisor identified there was an issue with the monthly payment amount, and that they will need to get back to me about this. The phone rep also apologized stating that EdFinancial is experiencing extreme delays in processing and that they are very disorganized at the moment.

Company response to consumer: Closed with explanation