vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Dear CFPB, After reviewing my credit report i noticed there is a Bankruptcy court item listed on my credit reports. Per FCRA 623 ( a ) ( 5 ) If the credit bureau can not VALIDATE the information with the XXXX CREDITOR, they must remove said information from the consumer credit file. The original creditor in this case would be the XXXX Bankruptcy court. 


The bankruptcy court mailed me a letter stating they do not provide any information to credit reporting agencies. Nor do they ever validate and or confirm public records. 

The Credit Reporting Agencies are breaking the law and ARE COMMITING FRAUD AS they NEVER validated these public record entries on my credit report, which is violation of 15 USC 1681 ( a ) e. An investigative consumer report is when any portion of which information on a consumer 's character, general reputation, personal characteristics, mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he or she is acquainted or who may have knowledge concerning any such items or information.

See enclosures.

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 2024-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: V and H Portfolio
State: TX

Complaint narrative:
I was looking at my credit reports and found this collection on my experience credit report. I have received no knowledge of this account nor do I even know who this vendor is. 

A collection agency putting negative credit on a credit report without contacting the debtor would be considered a violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692c which prohibits communication with a consumer regarding debt collection without prior consent or a court order.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I contacted XXXX regarding a charge on my credit card that was meant to be refunded by the company back in XXXX. Initially, XXXX removed the charge, but it was added back after a few months. I followed up, provided the refund receipt, and XXXX removed the charge again. However, now theyre stating that the charge is valid because the company wont remove it, which is incorrect. We did not use the service that day, and I have documented proof, including a picture of the refund receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: OH

Complaint narrative:
JEFFERSON CAPITAL HAS XXXX  ACCOUNTS THEY ARE ATTEMPTING TO COLLECT ON AND HAVE NOT BEEN VERIFIED OR VALIDATED UNDER THE FCRA AND FDCPA. THESE ACCOUNTS ARE REPORTING ON MY CONSUMER REPORT AND MUST BE DELETED IMMEDIATELY. NONE OF THE REQUIRED INFORMATION HAS BEEN GIVEN TO ME. I WILL BE TAKING LEAGAL ACTION AND IMMEDIATELY IF THESE ACCOUNTS ARE NOT DELETED AND REMOVED FROM MY CONSUMER REPORT. I WILL BE SEEKING REMEDY FOR UP TO {$1000.00} PER VIOLATION FROM EACH ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX has violated my rights. 

XXXXXXXX XXXX XXXXXXXX  XXXX has violated my rights. 

XXXX XXXX XXXXXXXX XXXX has violated my rights. 

XXXX XXXX / XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX has violated my rights. 

XXXX XXXXXXXX XXXX XXXXXXXX has violated my rights. 

XXXX XXXXXXXX XXXX XXXXXXXX has violated my rights. 

XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXXXXXX has violated my rights. 

XXXX XXXXXXXX XXXX XXXXXXXX has violated my rights. 

XXXX XXXXXXXX XXXX XXXXXXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX has violated my rights. 

XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX has violated my rights. 

XXXX XXXX has violated my rights. 

XXXX XXXXXXXX XXXX XXXX  XXXX has violated my rights. 

XXXX XXXXXXXX XXXX XXXXXXXX has violated my rights. 

XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX has violated my rights. 

XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX has violated my rights. 

XXXX XXXX BANKRUPTCY XXXX XXXXXXXX XXXX XXXX GEORGIA XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.SC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written permission 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-14 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX has violated my rights. 

XXXX BANK XXXX XXXXXXXX has violated my rights. 

XXXX BANK XXXX XXXXXXXX has violated my rights. 

XXXX XXXX / XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX has violated my rights. 

XXXX XXXX BANK XXXX has violated my rights. 

XXXX  XXXX BANK XXXX has violated my rights. 

XXXX XXXX XXXX XXXX has violated my rights. 

XXXX BANK XXXX has violated my rights. 

XXXX XXXXXXXX BANK XXXX has violated my rights. 

XXXX XXXX  CARD XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

XXXX XXXX XXXX BANK XXXX has violated my rights. 

XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX has violated my rights. 

XXXX XXXX has violated my rights. 

XXXX XXXX CARD SERV XXXX has violated my rights. 

XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX has violated my rights. 

XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX has violated my rights. 

CHAPTER XXXX BANKRUPTCY DIS. XXXX XXXX XXXX GEORGIA XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.SC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written permission 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.

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 2024-10-14 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: LEXISNEXIS
State: SD

Complaint narrative:
Dear XXXX CFPB, LexisNexis has refused to send me a full file disclosure as per FCRA, after sending negative information to XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, and XX/XX/XXXX. I am requesting a copy of mt report, to correct inaccuracies immediately, and compensation for their flagrant violations of FCRA and the damages it has cause me in denial of services, including rentals, and higher premiums. 

On XX/XX/XXXX I received a second notice of their refusal to send me a report. After submitted a second request on their LexisNexis XXXX XXXX portal. They have a flagrant disregard for FCRA laws, and my rights under the law and continue to send inaccurate, negative information to XXXX XXXX XXXX XXXX twice, on XX/XX/XXXX, and XX/XX/XXXX, that have been negatively used against me, but I cant see to verify, and/or correct, because LexisNexis refuses XXXX give me a report. 

I am requesting a copy of my full credit report, the right to immediately correct any and all disputed incomplete or inaccurate information on the report, and compensation for their refusal to provide the report so that incomplete or inaccurate information could be corrected that caused me higher premiums, over thousands of dollars more, and/or denied services due to their refusal to provide me a copy of my credit report under FCRA. Thank you, Attached are : XXXX ) Screen shot of credit Experian showing LexisNexis sending negative information to XXXX XXXX XXXX XXXX twice, on XX/XX/XXXX, and XX/XX/XXXX, XXXX ) Letter from Lexis Nexis on XX/XX/XXXX refusing to give me my FCRA report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-10-14 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: NV

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-10-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Continental Finance Company, LLC
State: NV

Complaint narrative:
I have a XXXX Credit Card ending in XXXX which is issued by Continental Finance. The current balanceo n the card is XXXX. The annual fee is an outrageous {$120.00} and the APR ( before compounding ) is 30 %. They had the audacity to deny a charge from XXXX for no reason though it was only {$50.00}. I mailed a letter to them with the cardcutuop asking them to close the account due the above. They never replied. I called them and went round and round with their robot and when I finally got someone they refused to do anything. 

I want the account closed and no longer want to do business with these greedy loan sharks. I want an acknowledgement that ny wishes are honored as my balamce is 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 2024-10-14 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: NC

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX Balance - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX/DEPT OF ED - Account Number:XXXX-Date opened XX/XX/XXXX Account Name : XXXX/DEPT OF ED - Account Number : XXXX opened XX/XX/XXXX Account Name : XXXX/DEPT OF ED - Account Number:XXXX-Date opened XX/XX/XXXX Account Name : XXXX/DEPT OF ED - Account NumberXXXX opened XX/XX/XXXX Account Name : XXXX/DEPT OF ED - Account Number:XXXX-Date opened XX/XX/XXXX Account Name : XXXX/DEPT OF ED - Account Number:XXXXDate opened XX/XX/XXXX Account Name : XXXX/DEPT OF ED - Account Number:XXXX-Date opened XX/XX/XXXX Account Name : XXXX/DEPT OF ED - Account NumberXXXX- $ XXXX opened XX/XX/XXXX Account Name : XXXX/DEPT OF ED - Account Number : XXXX -Date opened XX/XX/XXXX Account Name : XXXX/DEPT OF ED - Account NumberXXXXDate opened XX/XX/XXXX Account Name : XXXXDEPT OF ED - Account Number:XXXXDate opened XX/XX/XXXX Account Name : XXXX/DEPT OF ED - Account NumberXXXXDate opened XX/XX/XXXX Account Name : XXXX/DEPT OF ED - Account Number:XXXX-Date opened XX/XX/XXXX Account Name : XXXX/DEPT OF ED - Account Number:XXXX-Date opened XX/XX/XXXX Account Name : XXXX/DEPT OF ED - Account NumberXXXXDate opened XX/XX/XXXX Account Name : XXXX/DEPT OF ED - Account NumberXXXXDate opened XX/XX/XXXX Account Name : XXXX/DEPT OF ED - Account Number : XXXXDate opened XX/XX/XXXX Account Name : XXXX/DEPT OF ED - Account Number:XXXX-Date opened XX/XX/XXXX Account Name : XXXX/DEPT OF ED - Account Number : XXXX -Date opened XX/XX/XXXX Account Name : XXXX/DOFED - Account Number:XXXX-Date opened XX/XX/XXXX Account Name : XXXX/DOFED- Account NumberXXXXDate opened XX/XX/XXXX UNAUTHRORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-14 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: GA

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 explanation
Consumer complaint received 2024-10-14 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: CT

Complaint narrative:
The discrepancies on my credit report are seriously holding back my financial freedom. Every time I apply for new credit, I get denied because of these errors. It's incredibly frustrating to feel like my rights as a consumer are being ignored.

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 2024-10-14 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: SC

Complaint narrative:
Dear CFPB, After reviewing my credit report i noticed there is a Bankruptcy court item listed on my credit reports. Per FCRA 623 ( a ) ( 5 ) If the credit bureau can not VALIDATE the information with the XXXX CREDITOR, they must remove said information from the consumer credit file. The original creditor in this case would be the XXXX Bankruptcy court. 


The bankruptcy court mailed me a letter stating they do not provide any information to credit reporting agencies. Nor do they ever validate and or confirm public records. 

The XXXX XXXX XXXX are breaking the law and ARE COMMITING FRAUD AS they NEVER validated these public record entries on my credit report, which is violation of 15 USC 1681 ( a ) e. An investigative consumer report is when any portion of which information on a consumer 's character, general reputation, personal characteristics, mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he or she is acquainted or who may have knowledge concerning any such items or information.

See enclosures.

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 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Dear CFPB, After reviewing my credit report i noticed there is a Bankruptcy court item listed on my credit reports. Per FCRA 623 ( a ) ( 5 ) If the credit bureau can not VALIDATE the information with the XXXX CREDITOR, they must remove said information from the consumer credit file. The original creditor in this case would be the XXXX Bankruptcy court. 


The bankruptcy court mailed me a letter stating they do not provide any information to credit reporting agencies. Nor do they ever validate and or confirm public records. 

The Credit Reporting Agencies are breaking the law and ARE COMMITING FRAUD AS they NEVER validated these public record entries on my credit report, which is violation of 15 USC 1681 ( a ) e. An investigative consumer report is when any portion of which information on a consumer 's character, general reputation, personal characteristics, mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he or she is acquainted or who may have knowledge concerning any such items or information.

See enclosures.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-10-14 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 presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit 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 non-monetary relief
Consumer complaint received 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief