vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

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.

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 a account without my written instructions 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 to any 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 2024-10-22 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: KY

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 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:
I'm not liable for this debt with XXXX XXXX XXXX  | do not have a contract with XXXX XXXX ; they did not provide me with any original contract as requested in accordance with the FCRA Fair Credit Reporting Act. 
XXXX XXXX XXXX has violated my rights ; 15 USC 1681 section 602A. 15 USC 1681 section 604A section 2, 15 USC 1681c ( a ) ( 5 ), 15USC16815-2 ( A ) ( 1 )

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 2024-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: GA

Complaint narrative:
I do not even know how I could owe this debt still or how it could still be on my credit report. I have not had any cell service with contract in XXXX  7 years. And I am told this is a cell service debt. Ive asked for information and havent received any. 

XXXX XXXX JEFFERSON CAPITAL SYSTEM XX/XX/year> Re : {$4000.00} Open balance JEFFERSON CAPITAL SYSTEM Original creditor Dear Collector : My credit report shows a collection from your agency. I was never notified of this collection. 
What's more. I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PROTECTION ACT. I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1. An explanation of what this alleged account balance is for. 
2. A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
3. Documentation that shows I agreed to pay this debt. 
4. The Agreement that grants you authority to collect on this alleged debt. 
5. A copy of your state license, including license number. 
Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only. Otherwise remove from my credit report. 
Sincerely, XXXX XXXX XXXX is listed the debt collector. Jefferson Capital System. I have disputed these in my credit report twice and it hasnt removed them, but also doesnt allow you to write but so many words in the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: MA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-10-22 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: MA

Complaint narrative:
This account was charged off on the following date ( XXXX ) since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. a charged off account should NOT include an active payment history. this is inaccurate information falsely manipulates the statute of limitations. you failed to investigate this account properly and your neglect has violated my rights. Iam demanding a deletion of the following account : 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 2024-10-22 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: MA

Complaint narrative:
This account was charged off on the following date ( XXXX ) since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. a charged off account should NOT include an active payment history. this is inaccurate information falsely manipulates the statute of limitations. you failed to investigate this account properly and your neglect has violated my rights. Iam demanding a deletion of the following account : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 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: WI

Complaint narrative:
Upon reviewing my consumers report, i noticed that there were several accounts listed that do not belong to me. Here are the accounts listed Dept of EDXXXX Bal- {$5700.00}, Opened XXXX Dept of EDXXXX Bal- {$4800.00}, Opened XXXX Dept of EDXXXX Bal- {$4600.00}, Opened XXXX Dept of EDXXXX Bal- {$4000.00}, Opened XXXX Dept of EDXXXX Bal- {$4000.00}, Opened XXXX Dept of EDXXXX  Bal- {$3800.00}, Opened XXXX Dept of EDXXXX Bal- {$3200.00}, Opened XXXX Dept of EDXXXX Bal- {$2500.00}, Opened XXXX Dept of EDXXXX Bal- {$2500.00}, Opened XXXX Dept of EDXXXXXXXX Bal- {$2300.00}, Opened XXXX Dept of EDXXXX Bal- {$2000.00}, Opened XXXX Dept of EDXXXX Bal- {$1500.00}, Opened XXXX Dept of EDXXXX Bal- {$640.00}, Opened 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 2024-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Atlantic Recovery Solutions LLC
State: OH

Complaint narrative:
The company has called me and text me numerous times in one day. Then somehow got not only my fathers phone number but my husbands as well. And called my husband and my dad within XXXX minutes of each other. This is harassment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: North Prime Lending Inc
State: VA

Complaint narrative:
There is a building option to buy, and since last year, I have tried to get a hard money loan through a company called North Prime Lending. On XX/XX/XXXX, the closing instruction came out and I was waiting for it at title company, but the person in charge of the loan did not give me the loan, saying that he died during the operation. 
I sent {$21000.00} over XX/XX/XXXX, XX/XX/XXXX, and XXXX. The person in charge died suddenly, so I talked to the CEO, XXXX XXXX XXXX. When I sent the fee, I lost contact with XXXX. 
Then, in XX/XX/XXXX, I got back on the phone with XXXX. This time, I asked for {$8100.00} as a fee. 
However, I didn't have money, and I paid {$3200.00} more for the prepaid card and wire together. But since then, I have not been able to contact him and the loan has not come out.

Company response to consumer: Untimely response
Consumer complaint received 2024-10-22 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: NJ

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

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 2024-10-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUN LOAN COMPANY INC.
State: NM

Complaint narrative:
This is a charged off account IRS 1099 C was not provided to me for tax purposes

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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 2024-10-22 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: TX

Complaint narrative:
XXXX XXXX, a XXXX XXXX XXXX XXXX XXXX, sold away it's right to collect payment from me and service any account I had with them but they are still reporting an account on my consumer reports showing I still owe them money. This is fraud! Attached is proof my contracts/agreements with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and eventually deposited and securitized within a XXXX. Therefore, XXXX XXXX does not have a legal right to collect payment from me nor have an account in my name unless it is an account representing an amount THEY OWE ME. This is extortion according to 18 USC 892 since my reputation was harmed and they attempted to steal the vehicle by which they no longer had a legal claim to. Also, with the attached proof, the XXXX  and tax office removed XXXX XXXX as a lienholder on the vehicle title, therefore, there should not be any existing amount owed to 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 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX, a XXXX XXXX XXXX XXXX XXXX, sold away it's right to collect payment from me and service any account I had with them but they are still reporting an account on my consumer reports showing I still owe them money. This is fraud! Attached is proof my contracts/agreements with XXXX XXXX XXXX XXXX was sold multiple times and eventually deposited and securitized within a XXXX. Therefore, XXXX XXXX does not have a legal right to collect payment from me nor have an account in my name unless it is an account representing an amount THEY OWE ME. This is extortion according to 18 USC 892 since my reputation was harmed and they attempted to steal the vehicle by which they no longer had a legal claim to. Also, with the attached proof, the XXXX  and tax office removed XXXX XXXX as a lienholder on the vehicle title, therefore, there should not be any existing amount owed to XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 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: TX

Complaint narrative:
XXXX XXXX, a XXXX XXXX XXXX XXXX XXXX, sold away it's right to collect payment from me and service any account I had with them but they are still reporting an account on my consumer reports showing I still owe them money. This is fraud! Attached is proof my contracts/agreements with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and eventually deposited and securitized within a XXXX. Therefore, XXXX XXXX does not have a legal right to collect payment from me nor have an account in my name unless it is an account representing an amount THEY OWE ME. This is extortion according to 18 USC 892 since my reputation was harmed and they attempted to steal the vehicle by which they no longer had a legal claim to. Also, with the attached proof, the XXXX  and tax office removed XXXX XXXX as a lienholder on the vehicle title, therefore, there should not be any existing amount owed to 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 2024-10-22 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:
RE : XXXX  Block Request To Whom It XXXX Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$XXXX} XXXX  XXXX - XXXX - XX/XX/XXXX - {$XXXX} XXXX XXXX - XXXX - XX/XX/XXXX - {$XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to Section 605C 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 explanation
Consumer complaint received 2024-10-22 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: AR

Complaint narrative:
Litigation in process act immediately you are in violation. Please see attached documents

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 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

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.

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 a account without my written instructions 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 to any 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 2024-10-22 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: FL

Complaint narrative:
Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against Experian regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
I checked my credit report and discovered discrepancies in the following accounts : XXXX XXXX XXXX ( account number : XXXX ) XXXX XXXX XXXX XXXX  ( account number : XXXX ) XXXX XXXX XXXX ( account number : XXXX ) XXXX XXXX  ( account number : XXXX ) Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, Experian has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness.

In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute

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 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to address a concerning issue I've encountered regarding my ability to access my XXXX XXXX online through your platform and other third party websites. Despite being a valued customer and diligently managing my credit, I have encountered difficulties in accessing my XXXX XXXX online. As a consumer, I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ) and other relevant credit laws. These laws emphasize the importance of accurate and timely access to credit information, which is crucial for informed financial decision-making. I believe it is my right to access my XXXX XXXX through your online platform, as stipulated by credit laws that govern credit reporting agencies like XXXX. I would like to draw your attention to the fact that the FCRA requires credit reporting agencies to provide consumers with access to their credit scores, enabling them to stay informed about their credit standing.

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