vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Please need to resolve NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617. 
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. 
I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. 
A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 
Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. 
You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
Ive already written to you guys asking for documentation of the investigation I demanded. How many times do I have to write to your team asking for this proof? It shouldnt take this long to send the paperwork that I asked for. Is your printer broken? 
I dont know how else to prove to you that I'm 100 % serious. 
I demand the following accounts be verified or deleted immediately. 
XXXX - XXXX - Please verify that this is mine? - Delete this item immediately. It is a public record that can not be verified and is incorrect. 
XXXX XXXX - XXXX- Please verify that this is mine? - Delete this item immediately. It is a public record that can not be verified and is incorrEct

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-27 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: WI

Complaint narrative:
Inquiry is not authorized by me. This must be removed 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 2024-04-27 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: TX

Complaint narrative:
I DO NOT consent to any automated scan response or e- Oscar verification methods. 

I reached out to all three credit bureaus XXXX, Experian, and XXXX to dispute incorrect reports provided by XXXX XXXX XXXX. XXXX XXXX showed several discrepancies between the XXXX reporting agencies : XXXX and XXXX continue to report different balances than experian. Has missing, incomplete and inaccurate data reported for several months. All Burueas continue to report missing, incomplete and inaccurate data reported monthly. There are several months missing whole data and information. This constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I requested your credit bureau to initiate an investigation and to validate this information. This information was not validated. This information has greatly impacted my ability to qualify for other opportunities and I have been denied opportunities.

I requested the following information from you : The amount you claim owed. IRS Documents such as 1099a, 1099c and any other IRS forms filled out on my behalf without my knowledge. Full accounting ledger. All legal documents. An explanation showing me how you have computed the amount. Copies of any documents that prove I agreed to pay the alleged amount. The identity of the original creditor. Confirmation that the account has not crossed the statute of limitation ( SOL ) period. Evidence that you are a licensed debt collector. An invoice of the products/services ordered. Dates of products/services being rendered. The address the products/services were rendered to. My signature showing that these products/services were authorized by me My signature showing some kind of authorized payment schedule I was not provided this information as requested, and per law.

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 2024-04-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: OneMain Finance Corporation
State: OH

Complaint narrative:
I wish to file a formal complaint against One Main Financial for predatory lending and deceptive sales practices, by failing to include all costs of credit, application processing fees and total annual finance charges in the APR calculation, once these factors were added, the actual APR exceeded the the lawful interest rate cap of 36 % violating the Predatory Elimination Act within the State of Ohio and The XXXX and Consumers Fair Credit Act, S. 2508/H.R. 5974, to enact a national 36 % interest rate cap covering all lenders, including banks. One Main Financial targeted me a XXXXXXXX XXXX whom is financially inexperienced and without regard to my ability to repay The loan also failed to include all mandatory disclosures from a protected XXXXXXXX XXXX in receipt of Pension from the US Government.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-27 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 affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: WI

Complaint narrative:
Consistency in paying on time is my motto. I'm firm about it. Yet, I'm bewildered by the occasional tardiness in the company 's reporting, which shouldn't be the case. USC 1666b mandates that any billing errors must be rectified promptly and reflected correctly in the payment records.

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 2024-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I called the reporting agencies and let them know the inquiries and collections in the document included below are not supposed to be visible on my consumer report. I never gave them written consent to them. By law to contact third parties with my private or personal information. Offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-27 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:
I am writing to please delete the following information from my file. the items i needed are listed in the reported, i am a victim of identity theft and i did not make the charge. i ask the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and also have enclosed copies of the federal trade commision affidavit please deleted the items as soon as posible thank you

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 2024-04-27 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: FL

Complaint narrative:
I am writing to please delete the following information from my file. the items i needed are listed in the reported, i am a victim of identity theft and i did not make the charge. i ask the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and also have enclosed copies of the federal trade commision affidavit please deleted the items as soon as posible thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-27 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: Experian Information Solutions Inc.
State: FL

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 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 2024-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: WI

Complaint narrative:
Consistency in paying on time is my motto. I'm firm about it. Yet, I'm bewildered by the occasional tardiness in the company 's reporting, which shouldn't be the case. USC 1666b mandates that any billing errors must be rectified promptly and reflected correctly in the payment records.

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 2024-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be 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 2024-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

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 2024-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC.
State: AR

Complaint narrative:
I have had an account with Sofi for several years and never had any problems. On XX/XX/year> I attempted to log into my account to pay a bill. I put my username and password, and a screen came up to input a XXXX digit authentication code. I had no access to receive this code. So, I contacted the bank, which unfortunately goes to a call center in XXXX and are very hard to understand. They attempted several remedies but nothing worked. They said they would file a ticket with the back office to resolve this. I never heard back from them, so the next day I called again with the same results. The representatives are never able to really help you. I called again the following day and still no help. I desperately need to be able to access my account to do my banking and can not get anyone to help me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: MS

Complaint narrative:
On XXXX XXXX XXXX XXXX Someone used my information to open an account in my name at XXXXXXXX XXXX. I have since tried to get a fraud alert and or lock my account due to these issues. I have stated this information to XXXX and sunrise credit services and they are still reporting this account as being mines and it is not. Im so frustrated about the correct customer service I am not getting and I will continue to fight to get this off my record because its not 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 2024-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be 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 2024-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA

Complaint narrative:
The company Is Columbia debt recovery the same as Genesis? 
In XXXX XXXX XXXXXXXX I filed XX/XX/XXXX bankruptcy which included collections from Genesis that were discharged in XX/XX/2022 and included the same company-renew apartments that Columbia debt recovery is attempting to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-27 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: WI

Complaint narrative:
It's necessary to adhere to FCRA 605B by eliminating incorrect accounts from my credit report. Would you mind examining the documents? Some of the listed accounts contain inaccuracies in their reporting. Compensation of {$1000.00} per incorrect entry on my credit file is expected.

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 2024-04-27 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: PR

Complaint narrative:
The following XXXX XXXX XXXX account, with account Number XXXX has been disputed by me for the past few months, this account does not meat FCRA criteria and this company simple intends to leave it reported in my report despite my claims either because that they do not know what they are doing or because they want to create harm to me. 

First This account was closed on XX/XX/year>2022 however, it shows delinquent activity after closure.XXXX  XXXX procedures hace allowed this since XX/XX/year>2022 and this has been highly detrimental to me. 

Second Delete this account for violation because notice of dispute was not entered as required within the required period of 30 days from the date my first dispute was received, persuant to section 623 of the FCRA Third How can this account be closed and yet it says I am still paying XXXX in the montly payment section? Once an account is closed, there should be no montly payment Unless the status says now paying it was canceled.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-27 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: PR

Complaint narrative:
The following XXXX XXXX XXXX account, with account Number XXXX has been disputed by me for the past few months, this account does not meat FCRA criteria and this company simple intends to leave it reported in my report despite my claims either because that they do not know what they are doing or because they want to create harm to me. 

First This account was closed on XX/XX/2022 however, it shows delinquent activity after closure.XXXX  XXXX procedures hace allowed this since XX/XX/2022 and this has been highly detrimental to me. 

Second Delete this account for violation because notice of dispute was not entered as required within the required period of 30 days from the date my first dispute was received, persuant to section 623 of the FCRA Third How can this account be closed and yet it says I am still paying XXXX in the montly payment section? Once an account is closed, there should be no montly payment Unless the status says now paying it was canceled.

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 2024-04-27 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: LEXISNEXIS
State: MS

Complaint narrative:
U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX The above accounts are reporting on my experian consumer report illegally without my consent and violating the Family Educational Rights and Privacy Act. The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ). These accounts are also in violation of the Privacy Act of 1974 ( 5 U.S. Code 552a ). This law states that " No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. '' I have not given the U.S. DEPARTMENT OF EDUCATION my written consent nor have i given XXXX my written consent to report this information. Therefore I demand that the above accounts be deleted due to the fact that they are illegally reporting.

Company response to consumer: Closed with non-monetary relief