vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-01 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: Avant Holding Company, Inc.
State: GA

Complaint narrative:
Subject : Cease Unauthorized Credit Reporting Immediately Citations from Georgia FCRA and Identity Theft Laws Dear AVANT, I am reaching out to address a concerning issue regarding unauthorized credit reporting, as mandated by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), in conjunction with Georgia 's Financial Identity Fraud Act and Georgia Code Title 10 - Commerce and Trade . 

It has recently come to my attention that AVANT has been reporting information to my credit report without obtaining my explicit consent, which is a clear violation of both federal and state laws. The FCRA explicitly states in Section 1681b ( a ) ( 2 ) that consumer consent is a prerequisite for such reporting activities, a requirement that AVANT has failed to adhere to. 

Furthermore, Georgia 's Financial Identity Fraud Act, along with relevant sections of Georgia 's Code, reinforces the importance of consumer consent in credit reporting and outlines the severe consequences of unauthorized access and misuse of personal information. 

I want to stress that I have not provided consent for AVANT to report any information to my credit report. This lack of explicit permission constitutes a flagrant violation of my rights and could potentially harm my creditworthiness, in direct contravention of federal and state laws. 

I demand, unequivocally, that AVANT immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and relevant Georgia state laws pertaining to financial identity fraud. Failure to comply within the stipulated 30-day timeframe will be considered a deliberate act of noncompliance and may incur penalties as per applicable laws.

I want to emphasize that obtaining consent is not optional ; it is a legal obligation under these specific sections of the FCRA and Georgia state law, established to protect consumers like myself from unauthorized and detrimental credit reporting practices. 

I expect AVANT to address this matter promptly and rectify these violations without delay, in accordance with federal and state regulations, thereby respecting my rights as a consumer. 

This communication is made in good faith, with the expectation of swift and appropriate action. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 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:
I am writing to bring to your attention a concerning issue regarding XXXXXXXX XXXX XXXX  sharing of personal information with third-party companies. I have recently become aware that XXXX XXXX  has been sharing my personal information with third-party companies without my consent, which is a violation of my privacy rights. 

Furthermore, I have filed complaints with the Federal Trade Commission ( FTC ) and the Federal Deposit Insurance Corporation ( FDIC ) regarding this matter. I have requested that XXXX XXXX  remove my account from my credit report and address the FDICPA violations that have occurred as a result of their actions. 

I urge the Consumer Financial Protection Bureau to investigate this matter and take appropriate action to ensure that XXXX XXXX  complies with all relevant laws and regulations. It is crucial that consumers ' personal information is protected and not shared with unauthorized third parties. 

I appreciate your attention to this matter and look forward to your prompt response. 

Sincerely,

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 2024-06-01 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:
After reviewing my credit file, the accounts that I want to investigate still on 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 2024-06-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-06-01 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: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-06-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
After reviewing my credit file, the accounts that I want to investigate still on 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 2024-06-01 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: GA

Complaint narrative:
After reviewing my credit file, the accounts that I want to investigate still on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-01 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: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MO

Complaint narrative:
Company : Credit Collection Servic Account Information : - Account type : Collection account - Account status : Open - Individual Account - Remarks : Account information disputed by consumer, meets FCRA requirements- Original creditor : XXXX - Opened : XX/XX/XXXX ( 1 year, 9 months ) - Last reported : XX/XX/XXXX - Balance : {$120.00} Complaint : I am writing to dispute the collection account reported by Credit Collection Servic. The account contains multiple errors and violations of the Fair Credit Reporting Act ( FCRA ). Specifically : - The debt is not mine, and I have already informed the creditor of this error. 
- The collection notices contain misleading and deceptive language. 
- The creditor has failed to provide accurate and complete information regarding the services rendered. 
- The creditor has failed to obtain my permission to list this debt on my credit report. 

I have tried to resolve this issue with the creditor, but they have refused to correct the errors. I am requesting that the CFPB assist me in resolving this matter and provide relief from the harm caused by the creditor 's actions. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 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: TX

Complaint narrative:
It has come to my attention that you are not removing files submitted with an FTC report. As required by section 605B of the FCRA, I am sending this letter via certified mail to establish a legal recourse. If you do not remove the inaccurately reported items listed below, which are the result of identity theft, I will forward my documents to my attorney to initiate legal action. My intention is to avoid legal proceedings, so please comply with the law. Remove the following items, as they are fraudulent and were opened without my consent or knowledge. In the absence of any documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number : XXXX : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ======Equifax XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX Date XXXX : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXXXXXX, TX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX. Please note that you have four business days to remove the reporting of any items in my credit file resulting from alleged identity theft. I do not consent to XXXX or any form of automated verification. I expect your immediate attention to this matter and a response within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
I purchased a vehicle through Credit Acceptance and they were over charging me with the loan APR was very high

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 2024-06-01 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. 

Account Name : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX and list of Inquiries. 

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 2024-06-01 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:
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 2024-06-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-06-01 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:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-06-01 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:
It has come to my attention that you are not removing files submitted with an FTC report. As required by section 605B of the FCRA, I am sending this letter via certified mail to establish a legal recourse. If you do not remove the inaccurately reported items listed below, which are the result of identity theft, I will forward my documents to my attorney to initiate legal action. My intention is to avoid legal proceedings, so please comply with the law. Remove the following items, as they are fraudulent and were opened without my consent or knowledge. In the absence of any documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number : Experian : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ======XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Date XXXX : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX BANK DEAL XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX. Please note that you have XXXX business days to remove the reporting of any items in my credit file resulting from alleged identity theft. I do not consent to XXXX or any form of automated verification. I expect your immediate attention to this matter and a response within four business days.

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 2024-06-01 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: TX

Complaint narrative:
I am very concerned about the lack of responsibility in addressing the inaccuracies on my account. When will XXXX correct the incorrect information on these accounts that are appearing on my personal credit file? Despite my repeated requests over the past months, no action has been taken. Please stop delaying and correct the accounts immediately : XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$4100.00} & XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$6.00}. As stated previously, under the Fair Credit Reporting Act, 15 U.S.C. Section 1681i, you are required to reinvestigate and update these disputed accounts. Provide me with the names and addresses of the individuals contacted. According to 15 U.S.C. Section 1681i ( 5 ) ( A ), you have fifteen ( 15 ) days from receiving this letter to complete these actions unless you notify me otherwise. Failure to verify within this timeframe will be considered non-verification, and the accounts must be promptly updated in accordance with Section 1681i ( a ).

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 2024-06-01 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: MA

Complaint narrative:
I am writing to bring to your attention a concerning issue regarding XXXXXXXX XXXX XXXX sharing of personal information with third-party companies. I have recently become aware that XXXX XXXX  has been sharing my personal information with third-party companies without my consent, which is a violation of my privacy rights. 

Furthermore, I have filed complaints with the Federal Trade Commission ( FTC ) and the Federal Deposit Insurance Corporation ( FDIC ) regarding this matter. I have requested that XXXX XXXX  remove my account from my credit report and address the FDICPA violations that have occurred as a result of their actions. 

I urge the Consumer Financial Protection Bureau to investigate this matter and take appropriate action to ensure that XXXX XXXX  complies with all relevant laws and regulations. It is crucial that consumers ' personal information is protected and not shared with unauthorized third parties. 

I appreciate your attention to this matter and look forward to your prompt response. 

Sincerely,

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 2024-06-01 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: DE

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 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