vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the accuracy of the credit information that [ Credit Bureau Name ] has reported on my credit report. Specifically, I am disputing the following accounts : XXXX XXXX XXXXXXXX XXXX late payment account XXXX XXXX late payment account XXXX XXXX late payment account XXXX XXXXXXXX charge off account XXXX XXXX Charge Off account XXXX XXXX Charge Off account I believe that this information is inaccurate and incomplete and may be in violation of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Truth in Lending Act ( TILA ), and the Equal Credit Opportunity Act ( ECOA ). Under these laws, credit reporting agencies are required to ensure the accuracy and completeness of the credit information they provide to lenders and other entities. 

Therefore, I request that [ Credit Bureau Name ] investigate the accuracy of this information and correct any errors on my credit report. Please also provide me with a copy of my updated credit report once the investigation is complete. 

In support of my dispute, I have enclosed any evidence I have that demonstrates that the information on my credit report is inaccurate. This evidence may include payment records, bank statements, or any other documentation that supports my claim. 

Thank you for your attention to this matter. I look forward to hearing back from you within 30 days, as required by the FCRA. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
To whom it may concern : According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data eld reporting, I have the right to dispute any information on my credit report that I believe is not correct. When it comes to my credit report, I reserve the right to dispute any information that I deem to be inaccurate. I won't stand for any misinformation being associated with my name and nancial history. If there's something on my credit report that doesn't seem right, you can bet that I'll be taking action to get it removed.I can not recognize or accept the allegation of delinquency without factual proof. There must be some sort of evidence to back up the claim. Otherwise, I can not and will not recognize or accept the allegation. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law. If you do report such claims, you could be subject to nes or other penalties. Furthermore, reporting claims that you know are not in compliance could damage the reputation of your company.I am writing to inform you that you need to make sure all your claims are factual and certied before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. Please provide any documents or records you may have that can help corroborate the account and its permissible purpose.I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I hereby authorize you to take whatever steps are necessary to correct my credit. Please send me physical proof of any actions taken on my behalf. I appreciate your help in making sure my credit is in good standing.Further investigation is required to verify the following claims. These claims remain unveried until further inquiry can conrm them. More research is needed to support these unsubstantiated assertions. Please report any veried claims immediately. Please certify that all claims that have been veried as accurate, complete, and timely reported have been reported in compliance with regulations or remove immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
In an attempt to clean up my credit report I reached out to the 3 credit reporting agencies XXXX, Experian, and XXXX. I expressed to them that the accounts XXXX XXXX account # XXXX and XXXX XXXX XXXX XXXXXXXX account # XXXX are reporting information that isn't 100 % accurate and also are violating my consumer rights with multiple violations. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

I also came across the Ftc website more specifically the Gramm-leach-Bililey act and it states that XXXX different disclosures needs to be given before my information is allowed to be sent to any public record, in which I never gave XXXX XXXXXXXX nor XXXXXXXX XXXX XXXX XXXX  permission to do so. I expressed my concern to the reporting agencies as to look into the matter as it pertains to my name and affects my circumstances.

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 2023-02-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I Sent a Good faith negotiable instrument into company which is a promissory note making Capital one Auto Finance a fiduciary collector for certified funds remit at par which follows all the laws of negotiable instruments which is my God given right to tender. Capital one auto finance is keeping my instrument and did not apply funds to principle for settlement and closure. I called and explained UCC subsection3-310 ( b ), 3-311, 3-603 and public policy at house joint resolution 192 of June 5, 1933. Instead I was fraudulently reported without due process. They also placed a cease and desist on my account without my knowledge. Again they kept my negotiable instrument worth millions of dollars which is my property if it will not be processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My personal information is incorrect, as I have attempeted multiple times to have this update like my name and I only have one address, as I several incorrect addresses are wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Transunion XXXX and XXXX is reporting a XXXX  reported by XXXX XXXX  not by a court and should be removed immediately 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction

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 2023-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
XXXX Equifax and XXXX is reporting a XXXX reported by XXXX XXXX not by a court and should be removed immediately 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
On XXXX XXXX, I sent several requests to Experian to investigate concerns found on my credit report. I correctly included my driver 's license, social security card and a bill to represent my correct address. Three Letters dated XX/XX/2023 was received from Experian indicating that the proof of identity provided ( my driver 's license and social security card ) does not match the information that they have on file. Therefore, I should submit information ( 2 ) that would validate who I am. Among the list I can provide as proof is my driver 's license and social security card. In addition, Via email on XX/XX/XXXX, XXXX, XXXX, XXXX, I received correspondence from Experian indicating that they received a request regarding my credit report ( certified letters ). However, they stated that it doesn't appear to be sent by me therefore they will disregard my requests. I replied to the email indicating to them that I am indeed the person and to follow up on my requests. No response. I re-sent the same letters with my handwritten signatures via certified mail again ( all in one package ), driver 's license and social security card. Experian has refused to investigate my concerns on my consumer report.They have disregarded my concerns and have cause me undue stress. They have refused to investigate my concerns and this is a violations of so many laws there is no need to list but will be addressed.

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 2023-02-24 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
( Last 4 of Account numbers ) XX/XX/XXXX - ( XXXX XXXX ) - Account / # XXXX XXXX ( XXXX XXXX ) # XXXX XXXX ( XXXX XXXX ) # XXXX XXXX ( XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX / ( XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX. ( XXXX XXXX # XXXX XX/XX/XXXX / ( XXXX  XXXX XXXX XXXX XXXX ( 15 U.S.C. 1681 Sec. 602A. : ) STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 Sec 604A Sec. 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTION!!

15 U.S.C 1681 c. ( a ) ( 5 ) Sec : STATES NO CONSUMER REPORTING SGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEAMS OF INFORMATION, ANY OTHER ADVERSE ITEAM OF CONVICTIONS OF CRIMES WITCH ATTENDS THE REPORT BY MORE THEN 7 YEARS.

15 U.S.C 1681s-2 ( A ) ( 1 ) : A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO CONSUMER TO ANY CONSUMER REPORTING AGENCY, IF THE PERSON KNOW REPORTING OR HAS REASONABLE CAUSE TO BELIVE THEY 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 2023-02-24 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
( Last XXXX of Account numbers ) XX/XX/XXXX - ( XXXX XXXX ) - Account / # XXXX XXXX ( XXXX XXXX  ) # XXXX XXXX ( XXXX XXXX ) # XXXX XXXX ( XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX ( 15 U.S.C. 1681 Sec. 602A. : ) STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 Sec 604A Sec. 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTION!!

15 U.S.C 1681 c. ( a ) ( 5 ) Sec : STATES NO CONSUMER REPORTING SGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEAMS OF INFORMATION, ANY OTHER ADVERSE ITEAM OF CONVICTIONS OF CRIMES WITCH ATTENDS THE REPORT BY MORE THEN 7 YEARS.

15 U.S.C 1681s-2 ( A ) ( 1 ) : A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO CONSUMER TO ANY CONSUMER REPORTING AGENCY, IF THE PERSON KNOW REPORTING OR HAS REASONABLE CAUSE TO BELIVE THEY 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 2023-02-24 00:00:00
Product: Credit reporting, credit repair services, 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: NY

Complaint narrative:
I did not authorize anyone employed by the companies listed below to make an inquiry and view my credit report. These companies have violated the Fair Credit Reporting Act Section 1681b ( c ). Such companies are not legally entitled to make the inquiry. I have a credit freeze. This is a serious breach of my privacy rights.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 


XXXX  XX/XX/2023 The inquiry was not authorized XXXX XX/XX/2023 The inquiry was not authorized XXXX XXXX XX/XX/2023 The inquiry was not authorized XXXX XXXX XXXX XXXXXX/XX/2023 The inquiry was not authorized

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 2023-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
On XX/XX/2023, over 30 days ago but I still haven't gotten any update about the status as yet. I am aware that the CRAs are required by the FCRA to comply with consumer disputes and I learn from people online that I need to file a complaint to CFPB, XXXX and the Office of the Atty General if do not I receive the correct response.

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 2023-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the accuracy of the credit information that [ Credit Bureau Name ] has reported on my credit report. Specifically, I am disputing the following accounts : XXXX XXXX XXXXXXXX XXXX late payment account XXXX XXXX late payment account XXXX XXXX late payment account XXXX XXXXXXXX charge off account XXXX XXXX Charge Off account XXXX XXXX Charge Off account I believe that this information is inaccurate and incomplete and may be in violation of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Truth in Lending Act ( TILA ), and the Equal Credit Opportunity Act ( ECOA ). Under these laws, credit reporting agencies are required to ensure the accuracy and completeness of the credit information they provide to lenders and other entities. 

Therefore, I request that [ Credit Bureau Name ] investigate the accuracy of this information and correct any errors on my credit report. Please also provide me with a copy of my updated credit report once the investigation is complete. 

In support of my dispute, I have enclosed any evidence I have that demonstrates that the information on my credit report is inaccurate. This evidence may include payment records, bank statements, or any other documentation that supports my claim. 

Thank you for your attention to this matter. I look forward to hearing back from you within 30 days, as required by the FCRA. 

Sincerely, 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 2023-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the accuracy of the credit information that [ Credit Bureau XXXX XXXX has XXXX on my credit report. Specifically, I am disputing the following accounts : XXXX XXXX  XXXX XXXX late payment account XXXX XXXX late payment account XXXX XXXX late payment account XXXX  XXXX charge off account XXXX XXXX Charge Off account XXXX XXXX Charge Off account I believe that this information is inaccurate and incomplete and may be in violation of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Truth in Lending Act ( TILA ), and the Equal Credit Opportunity Act ( ECOA ). Under these laws, credit reporting agencies are required to ensure the accuracy and completeness of the credit information they provide to lenders and other entities. 

Therefore, I request that [ Credit Bureau Name ] investigate the accuracy of this information and correct any errors on my credit report. Please also provide me with a copy of my updated credit report once the investigation is complete. 

In support of my dispute, I have enclosed any evidence I have that demonstrates that the information on my credit report is inaccurate. This evidence may include payment records, bank statements, or any other documentation that supports my claim. 

Thank you for your attention to this matter. I look forward to hearing back from you within 30 days, as required by the FCRA. 

Sincerely, 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 2023-02-24 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
On XX/XX/2023 searching a car loan went to XXXX XXXX services and click on the tool this website which clear states that SEE IF YOU PREQUALIFY WITH NO IMPACT TO YOUR CREDIT. XXXX XXXX did not pre qualify me. Half an hour later I got a phone call from XXXX XXXX XXXX OF XXXX TEXAS, offering me a car ( XXXX ) I said to them that I was not interested and 30 minutes after that call I got alerts from Experian that somebody looked at my credit creating a hard pull. I did not contact this dealership requesting credit from them or authorizing them to ran my credit without my consent I did asked them to remove that inquiry since I did not authorized them to ran my credit. This a clear violation on my rights as consumer and a form of identity theft.

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 2023-02-24 00:00:00
Product: Credit reporting, credit repair services, 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: NY

Complaint narrative:
I did not authorize anyone employed by the companies listed below to make an inquiry and view my credit report. These companies have violated the Fair Credit Reporting Act Section 1681b ( c ). Such companies are not legally entitled to make the inquiry. I have a credit freeze. This is a serious breach of my privacy rights. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent 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 non-monetary relief
Consumer complaint received 2023-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My personal information is incorrect, as I have attempeted multiple times to have this update like my name and I only have one address, as I several incorrect addresses are wrong.

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