vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-06 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: CCS Financial Services, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I was checking my Consumer Credit Profile and I noticed a collection file placed on my XXXX Consumer Credit Profile I didnt recognized. I contacted Credit Collection Services XXXX to speak to them regarding the information on my Consumer Credit Profile to seek an Validation letter of the debt. The collection agency is unable to provide me the original contract with the wet ink signature. I was informed that this debt was purchased from the original creditor XXXX XXXX XXXX XXXX I was never notified by XXXX XXXX XXXXXXXX XXXX XXXX Credit Collection Services written disclosure regarding this matter. The XXXX XXXX XXXX XXXX XXXX XXXX, or simply XXXX XXXX, is a licensed insurance agency that is a subsidiary of XXXX XXXX XXXX the name was changed to XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, and in XXXX. According to XXXX XXXX XXXX XXXX ( XXXX ), protects the confidentiality of Nonpublic personal information that you provide to us or we collect. Any nonpublic personal information we have about you or listed drivers is confidential information and kept private. It may include motor vehicle records, driving records, accident reports, claims history reports, insurance records, and consumer reports that may include credit information. Upon your written request to us, we will provide you with a copy of this information. I never received any information in writing stating that a third party or debt collection agency would have access to information on my Credit Consumer Profile. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I was contacted by phone regarding an alleged debt of {$1500.00}, threatening collection if not paid. Recognizing the creditor 's name, I partially believed the claim, but to ensure accuracy, I promptly sent a verification letter on XX/XX/XXXX, seeking clarification. Regrettably, I did not document the dispatch of this letter. However, I meticulously recorded a subsequent letter sent on XX/XX/XXXX, adhering to FCRA regulations, requesting specific verification details. Despite this, no response was received. It wasn't until my credit was impacted that I discovered the actual amount owed was {$800.00} less than claimed. Had I been aware of this discrepancy earlier, I would have been able to rectify the situation promptly. Given the lack of proper verification and the discrepancy in the amount owed, I urge the removal of this collection from my account.

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 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
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 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
15 usc 1681a ( 2 ) Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) a report containing information solely as to transactions or experiences between the consumer and the person making the report ; Credit utilization is an experience that should not be reported to consumer reporting agencies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 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: IN

Complaint narrative:
15 usc 1681a ( 2 ) Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) a report containing information solely as to transactions or experiences between the consumer and the person making the report ; Credit utilization is an experience that should not be reported to consumer reporting agencies

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 2024-03-06 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:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent accounts from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 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 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 2024-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: PA

Complaint narrative:
This company is informing all major credit bureaus that i owe numerous accounts with XXXX XXXX XXXX. They have not presented a wet ink signature contract with them and this debt they claim i have is not valid. This company needs to remove this wrong information or i will consult legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received investigation results.

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 2024-03-06 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: GA

Complaint narrative:
I looked at my report back on XX/XX/XXXX, and noticed some things 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. These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, are not complete and accurate. 

I sent a letter asking them to make sure everything is complete and accurate They sent me investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate And according to nd according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

But they did not do that as well either. 

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 explanation
Consumer complaint received 2024-03-06 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: SC

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 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: FL

Complaint narrative:
I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
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 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 2024-03-06 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: NJ

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 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 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 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 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 from a Bankruptcy XXXX XXXXXXXX on XX/XX/2015, has violated my rights. 

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

15 U.S.C 1681eb : they are supposed to ensure this 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 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 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 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: IN

Complaint narrative:
15 usc 1681a ( 2 ) Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) a report containing information solely as to transactions or experiences between the consumer and the person making the report ; Credit utilization is an experience that should not be reported to consumer reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: PA

Complaint narrative:
After checking credit profiles connected to me, I have learned that XXXX XXXX company are the cause of many adverse reactions and retaliations placed upon me. I have never given XXXX XXXX permission to furnish personal information and inaccurate information. 

XXXX XXXX has no permissible purpose to furnish this account. I would never volunteer for my any personal information be placed in the public eye let alone my personal information be shared and sold for profit by affiliate sharing. This is a violation of Fair Credit Reporting Act & Fair Debt Collection Practice act. 

Violation : 12 CFR 1016.10 LIMITS ON DISCLOSURE OF NONPUBLIC PERSON INFORMATION TO NON AFFILIATED THIRD PARTIES. 

XXXX XXXX this is your notice to Cease & Desist all communications regarding this matter until all record of documentation on record of books of accounting, validation, method of validation, wet signature of contract, all is provided to me. Please send everything by U.S mail. 

XXXX XXXX did not provide me with proper disclosure to opt-out of credit reporting as the option to opt-in. I was not giving full disclosure so any decision made I was uninformed and things was not clear. Per : VIOLATION ; 12 CFR 1016.7 FORM OF OPT OUT NOTICE TO CONSUMERS : OPT OUT METHODS. 

Please by me understanding my consumer laws and rights the creditor XXXX XXXX, XXXX, Transunion, & XXXX has violated the following : According to 15 USC 1681 section 602 ( a ), I have the right to privacy. Furthermore, as outlined in 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing an account without my written instructions. Additionally, as per 15 USC 1681 ( c ) ( a ) ( 5 ) sections, consumer reporting agencies are restricted from including certain adverse items of information in consumer reports, except for records of conviction of crimes dating back more than seven years. Lastly, under 15 USC 1681 ( s ) ( 2 ) ( a ) ( 1 ), it is stated that individuals are prohibited from providing inaccurate information relating to a consumer to any consumer reporting agency if they have knowledge or reasonable cause to believe it is inaccurate. 

I am exercising my rights under 15 U.S CODE 1692k - Civil liability that each mention violation not exceeding {$1000.00} : or in case of class action...

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 2024-03-06 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: PA

Complaint narrative:
After checking credit profiles connected to me, I have learned that XXXX XXXX company are the cause of many adverse reactions and retaliations placed upon me. I have never given XXXX XXXX permission to furnish personal information and inaccurate information. 

XXXX XXXX has no permissible purpose to furnish this account. I would never volunteer for my any personal information be placed in the public eye let alone my personal information be shared and sold for profit by affiliate sharing. This is a violation of Fair Credit Reporting Act & Fair Debt Collection Practice act. 

Violation : 12 CFR 1016.10 LIMITS ON DISCLOSURE OF NONPUBLIC PERSON INFORMATION TO NON AFFILIATED THIRD PARTIES. 

XXXX XXXX this is your notice to Cease & Desist all communications regarding this matter until all record of documentation on record of books of accounting, validation, method of validation, wet signature of contract, all is provided to me. Please send everything by U.S mail. 

XXXX XXXX did not provide me with proper disclosure to opt-out of credit reporting as the option to opt-in. I was not giving full disclosure so any decision made I was uninformed and things was not clear. Per : VIOLATION ; 12 CFR 1016.7 FORM OF OPT OUT NOTICE TO CONSUMERS : OPT OUT METHODS. 

Please by me understanding my consumer laws and rights the creditor XXXX XXXX, Equifax, XXXX, & XXXX has violated the following : According to 15 USC 1681 section 602 ( a ), I have the right to privacy. Furthermore, as outlined in 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing an account without my written instructions. Additionally, as per 15 USC 1681 ( c ) ( a ) ( 5 ) sections, consumer reporting agencies are restricted from including certain adverse items of information in consumer reports, except for records of conviction of crimes dating back more than seven years. Lastly, under 15 USC 1681 ( s ) ( 2 ) ( a ) ( 1 ), it is stated that individuals are prohibited from providing inaccurate information relating to a consumer to any consumer reporting agency if they have knowledge or reasonable cause to believe it is inaccurate. 

I am exercising my rights under 15 U.S CODE 1692k - Civil liability that each mention violation not exceeding {$1000.00} : or in case of class action...

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: CA

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent accounts from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 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 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 2024-03-06 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:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent accounts from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 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