vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-13 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:
Requesting the removal of the inaccurate reporting on all 3 credit bureaus, the last reported payment was ( XX/XX/XXXX ), but also has no payment history on the account. It also has a 120 day collection remarks that also numerically invalid with no accurate record of payments. Making it difficult to obtain housing to avoid homelessness. This messes up two things, first, this error does not indicate when the account was actually charged off. Second, this error manipulates the status of the account itself. They were never given permission to furnish such, first delinquency and this is causing great stress being reported. XXXX XXXX XXXX XXXX XXXX has violated ( 15 USC 1681s-2b ) of the fair credit reporting act. Since they have verified this account as accurate and there are obvious inaccuracies. They failed the 5 duties of a furnisher when receiving a dispute which are all violations from each credit reporting agency they are reporting too. I am demanding deletion from my consumer report or else. Im going to pursue litigation.

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 2024-03-13 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Dell went from XXXX to Comenity. Unfortunately, during this transition, my account number was changed and I was not notified causing delays in processing payments, they issued a fraud block on my account preventing me from being able to log in and make payments, refused to send statements to my correct address, and when I mailed payment they claimed they never received. Despite being told in XXXX that I would not have a negative reporting due to issues that were caused by the transition, Comenity Bank has reported negative information on my report. I reached out to Comenity and they stated the information would stay as is.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-13 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I'm writing to ask for the removal of late dates on disputed items from my credit report. Despite my efforts to verify inaccuracies with the information provider, there has been no response. I request the credit bureau to update my consumer file in accordance with the FCRA, as the reported information is unverified and lacks proof. XXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/2005.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is so annoying & frustrating. Ive sent TransUnion multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In TransUnion 's responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/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 2024-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to you with a sense of urgency and frustration regarding the fraudulent accounts that continue to tarnish my credit report. It has come to my attention that despite previous correspondence and my repeated demands, these fraudulent accounts persist on my credit report. This flagrant disregard for my rights as a consumer is absolutely unacceptable and requires immediate rectification. XXXX XX/XX/2023, XXXX XXXX XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 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: MoneyLion Inc.
State: TX

Complaint narrative:
MONEYLION INC is in violation of multiple laws set forth by Congress. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( MONEYLION INC ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( MONEYLION INC ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX and XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. MONEYLION INC can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from MONEYLION INC for the cancelled debt in order to file as ordinary income. Where is my 1099-C MONEYLION INC is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS. This is unsatisfactory! MONEYLION INC has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In MONEYLION INC terms and conditions they agreed not to share my information with non-affiliates. XXXX, XXXX and XXXX are not an affiliate of MONEYLION INC nor are they bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non-written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non-written, verbal, and nonverbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
These inquiries on my credit are not recognized nor this they receive my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: WA

Complaint narrative:
My privacy is being violated by XXXX, TRANSUNION & XXXX, these company 's are reporting personal information, accounts, and one inquiry that is reporting inaccurately on my consumer report, this is identity fraud as I the consumer, did not consent. In pursuant to 15 USC 1681b2 these company 's are violating my privacy rights and consumer rights. In addition, XXXX, TRANSUNION & XXXX are also reporting late payments, on my consumer report accounts violating 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ). Also, after further investigating further it looks like XXXX, TRANUNION & XXXX deleted accounts off my consumer report, claimed to have done a proper investigation and then reinserted the deleted accounts back on consumer report resulting in even more discrimination. This is a violation of 15 USC 1681a ( e ) as these company 's do not have any right to perform an investigation. and violated my rights are the consumer and natural person, as I did not verify the accuracy of these items 15 USC 1681 i ( 5 ) B ( i )

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 2024-03-13 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: WA

Complaint narrative:
My privacy is being violated by XXXX, XXXX & EQUIFAX, these company 's are reporting personal information, accounts, and one inquiry that is reporting inaccurately on my consumer report, this is identity fraud as I the consumer, did not consent. In pursuant to 15 USC 1681b2 these company 's are violating my privacy rights and consumer rights. In addition, XXXX, XXXX & EQUIFAX are also reporting late payments, on my consumer report accounts violating 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ). Also, after further investigating further it looks like XXXX, XXXX & EQUIFAX deleted accounts off my consumer report, claimed to have done a proper investigation and then reinserted the deleted accounts back on consumer report resulting in even more discrimination. This is a violation of 15 USC 1681a ( e ) as these company 's do not have any right to perform an investigation. and violated my rights are the consumer and natural person, as I did not verify the accuracy of these items 15 USC 1681 i ( 5 ) B ( i )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 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: WA

Complaint narrative:
My privacy is being violated by EXPERIAN, XXXX & XXXX, these company 's are reporting personal information, accounts, and one inquiry that is reporting inaccurately on my consumer report, this is identity fraud as I the consumer, did not consent. In pursuant to 15 USC 1681b2 these company 's are violating my privacy rights and consumer rights. In addition, EXPERIAN, XXXX & XXXX are also reporting late payments, on my consumer report accounts violating 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ). Also, after further investigating further it looks like EXPERIAN, XXXX & XXXX deleted accounts off my consumer report, claimed to have done a proper investigation and then reinserted the deleted accounts back on consumer report resulting in even more discrimination. This is a violation of 15 USC 1681a ( e ) as these company 's do not have any right to perform an investigation. and violated my rights are the consumer and natural person, as I did not verify the accuracy of these items 15 USC 1681 i ( 5 ) B ( i )

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 2024-03-13 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: MD

Complaint narrative:
Thats on XX/XX/XXXX I XXXX XXXX a natural person and consumer sent Vice President XXXX XXXX XXXX of XXXX XXXX XXXX XXXX a letter of Instructions attached with a Tender of payment to discharge my account. XX/XX/XXXX XXXX XXXX XXXX replied with a a letter say that they dont except Any Tender of Payment unless its US Dollars. In pursuant to House Joint Resolution 192, Public Law 73-10, UCC 3-104 ( c ) Spencer v. Sterling Bank. The entire taxing and monetary system are hereby placed under the U.C.C ( Uniforn Commercial Code ) TheFederal Tax Lien Act of 1966. XXXX XXXX XXXX XXXX has yet informed the IRS of this transaction. After doing UCC 11 search theres no actual Lien under my name or on my vehicle. The IRS informed me that this company may be doing fraudulent paper work.

This company is attempting to Extort me at this point. 

I am now revoking all Powers Of Attorney, Security Interest and any other obligations I may signed or given this company. I will be attaching an official Notorized Cease & Desist letter along with a Right of Rescission letter. I no longer want to continue doing business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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:
Thats on XX/XX/XXXX I XXXX XXXX a natural person and consumer sent Vice President XXXX XXXX XXXX of XXXX XXXX XXXX XXXX a letter of Instructions attached with a Tender of payment to discharge my account. XX/XX/XXXX XXXX XXXX XXXX replied with a a letter say that they dont except Any Tender of Payment unless its US Dollars. In pursuant to House Joint Resolution 192, Public Law 73-10, UCC 3-104 ( c ) Spencer v. Sterling Bank. The entire taxing and monetary system are hereby placed under the U.C.C ( Uniforn Commercial Code ) TheFederal Tax Lien Act of 1966. XXXX XXXX XXXX XXXX has yet informed the IRS of this transaction. After doing UCC 11 search theres no actual Lien under my name or on my vehicle. The IRS informed me that this company may be doing fraudulent paper work.

This company is attempting to Extort me at this point.

I am now revoking all Powers Of Attorney, Security Interest and any other obligations I may signed or given this company. I will be attaching an official Notorized Cease & Desist letter along with a Right of Rescission letter. I no longer want to continue doing business with this company.

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 2024-03-13 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: NY

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range.

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 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My Only name and My Only address is what's listed on this complaint.

There may be other individuals with a name the same as or similar to mine. Creditors may have entered my name incorrectly when requesting my credit report. Regardless, there are forms of my name and addresses that should not appear in my credit file.

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 2024-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
see prior complaints with american express and XXXX XXXX. 

I called American express today to make a payment as I can not pay on the portal online. Ive been trying for the past few months to make a payment but every time they tell me they dont have the authority to take the payments unless i send them an email first saying that i give them the authority to contact a company called XXXX XXXX  and them release my files to them. ive contacted XXXX XXXX  and they say they have no such authority and were simply a credit monitoring company i was using to check my score over the past year, but i havent used then now for a few months. They emailed telling me they do not know why American Express is requesting for me to have them release my file, and that we arent working together. 

Today when i called Amex to attempt to pay again, they transferred me to their collections agency XXXXXXXX XXXX XXXXXXXX and when i asked to make my payment they again said they dont have the authority to take a payment until i email them telling them they have the authority to take over my file from XXXX XXXX which i do not feel comfortable doing and feel is strange for a collections agency to be asking me?? 

Also i was never informed 60 days ahead of this being sent to collections and I only received a letter in the mail onXX/XX/XXXX but this was sent to collections in XXXX. 

all ive tried to do is pay on the balance and they keep making it impossible to make a payment as the online system wont let me me add a payment and the calls only direct me to XXXXXXXX XXXX XXXX who tell me they cant take a payment. so then my file goes with lat payments and looking. like a charge off when it never had to be a charge off. i have just tried to pay them over and over and theyre trapping me in the debt and repeatedly reporting negative remarks on my credit die to not accepting payments to my account and sending me to collections agencies that tell em they do not have the authority to take payment. 

help me pay this account!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: MO

Complaint narrative:
Hey, I went over my consumer report, and I noticed some hard inquiries that I didn't authorize, or I do not have knowledge of. I have called several times and let the credit reporting agencies and the companies know that the inquiries in the document included below are fraudulent and they have yet to be removed. They are not to supposed to be visible on my credit report. I never gave them permission nor written consent to report or to authorize the inquiry. By law this is aggravated identity theft. 18 U.S. Code 1028A

Company response to consumer: Closed with non-monetary relief