vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX 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
Consumer complaint received 2024-07-02 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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2024-07-02 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: Paramount GR Holdings, LLC
State: MD

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: P&B Capital Group, LLC
State: KY

Complaint narrative:
REPEATED PHONE CALLS DURING WORKING HOURS. CALLING 3 TIMES WITHIN XXXX MINUTES.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 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:
I recently discovered that my creditor failed to provide the required 21-day notice before the payment due date, along with the statement that outlines my balance and due amount. This notice period is critical because it ensures that I have adequate time to review my statement, arrange for payment, and avoid any late fees.

Due to this oversight, I was not given sufficient time to make my payment on time. As a result, the creditor charged me late fees, and it now appears as though I did not pay my bill when, in fact, I was not given the opportunity to do so within the proper timeframe. This situation arose due to the creditor 's failure to follow the proper notification procedures, and it is their mistake that has caused this issue.

I expect that, given this error, the creditor will rectify the situation by waiving any associated late fees and adjusting my payment record to reflect that this delay was due to their non-compliance with the 21-day notice requirement, not my negligence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Can you update my address and name on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful mis-statements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating this account. I demand you to delete fraudulent account now.

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 2024-07-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I disputed the information with XXXX XXXX to have I C SYSTEM INC removed FROM MY report because it is overXXXX years old and was charged off by the original creditor XXXX many years ago. but they claim it was validated which I find unlikely. The collection company is a third party that is trying to collect a debt that XXXX charged off many years ago the account is from XXXX it is over 7 years and because it was XXXX it became a certificate of indebtedness which is income that can not be reported. under the Federal Fair Credit Reporting Act they must remove negative information over XXXX XXXX XXXX. The account is from XXXX It is being falsely reported with the wrong dates. On XX/XX/XXXX XXXX XXXX sent me the report of their investigation which clearly shows the inaccurate dates and that it was sold to third party after being discharged.Not only that XXXX removed it and it shows I have no collections. I got all three reports and only XXXX XXXX and XXXX say they validated it.I also called XXXX because I got a letter saying my private information which was my ss number was leaked on the dark web from XXXX. I wanted to know why they even had my private information because I have not had a valid contract with them XXXX I wanted to opt out revoke any permission they may assumed they have regarding my private information but XXXX said they couldn't find any information of my account. So why did I get a letter from them.Is it a law that they are supposed provide me with opt out options every 30 days if they are still using my private information without my permission. This inaccurate information being reported is preventing me from being able to attain the credit I need to. I can't even opt out with XXXX because they are using my information illegally without my permission and denying me the option to opt out of them using my info,

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 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
Good morning! 

I was called from a debt collector about this account. I was making payments until I think I missed 1 or 2 a few years ago and it was removed from my USAA banking account. I would like to still make payments on this loan or is there anyway to remove this hard inquiry from my credit report? 

Thank you! 

Info on account : Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Account Amount : {$3400.00} [ CLOSED ] Last Payment : XX/XX/XXXX, XXXX. 

" Remarks '' Charged off as bad debt. Profit and loss write-off. '' Additional details Business type Bank - Installment Loans Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( 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 2024-07-02 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: NY

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Creditor Name : XXXX XXXX Account Number : XXXX Description of Inaccuracy : XXXX shows account is charged off account # XXXX TransUnion & XXXX shows account XXXX is unknown and the payment counter is inaccurate with all XXXX bureaus I have reviewed my credit report and found this information to be inaccurate based on my records. I am requesting a thorough investigation into this matter as per my rights under the Fair Credit Reporting Act ( FCRA ).

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 2024-07-02 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: GA

Complaint narrative:
Creditor Name : XXXX XXXX Account Number : XXXX Description of Inaccuracy : XXXX shows account is charged off account # XXXX XXXX & Experian shows account XXXX is unknown and the payment counter is inaccurate with all XXXX bureaus I have reviewed my credit report and found this information to be inaccurate based on my records. I am requesting a thorough investigation into this matter as per my rights under the Fair Credit Reporting Act ( FCRA ).

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 2024-07-02 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: TX

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 explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.

Complaint narrative:
So I send XXXX  usd to my niece in XXXX through remilty on XXXX XXXX in evening. And due to weekend it delayed thats agreeable. But now there status is showing that money has been but money is not delivered to her in her bank account. And I am calling them from 3 days and they are saying its in investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 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: LA

Complaint narrative:
My name ia XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 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:
My name is XXXX XXXX XXXX and there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2024-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-02 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: NC

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 2024-07-02 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: PA

Complaint narrative:
I am writing to follow up on a critical issue regarding an unauthorized negative account associated with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that continues to appear on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to file a complaint against XXXX ( CRA ) for failing to remove an unauthorized inquiry from my credit report. 

Details : Date : XX/XX/year> Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I did not authorize RXXXX XXXX to access my credit report, and the inquiry is inaccurately listed. Despite my disputes, XXXX has refused to remove the inquiry. 

I have attempted to dispute this through XXXX portal. There was no thorough investigation invest it was closed within an hour or two of me submitting my dispute. 

The following laws and regulations support the deletion of a disputed inquiry : 1. Fair Credit Reporting Act ( FCRA ) : - Section 611 ( Dispute Process ) : Requires credit reporting agencies ( CRAs ) to investigate disputes and delete inaccurate or incomplete information.

- Section 605 ( Requirements Relating to Information contained in Consumer Reports ) : Requires CRAs to ensure the accuracy and completeness of information in consumer reports.

2. Regulation V ( 12 CFR Part 1022 ) : - Section 1022.43 ( Dispute Process ) : Implements the FCRA 's dispute process requirements.

3. Consumer Financial Protection Bureau ( CFPB ) Guidance : - CFPB Bulletin 2013-09 ( Disputed Information on Consumer Reports ) : Clarifies that CRAs must investigate disputes and delete inaccurate information.

4. Federal Trade Commission ( FTC ) Guidance : - FTC Commentary on the FCRA ( 16 CFR Part 600 ) : Provides guidance on the FCRA 's requirements, including the dispute process. 

These laws and regulations require credit reporting agencies to investigate disputes and delete inaccurate or unauthorized inquiries. 

I request your assistance in resolving this issue and removing the unauthorized inquiry from my credit report. 

Thank you for your attention to this matter.

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 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to file a complaint against XXXX ( CRA ) for failing to remove an unauthorized inquiry from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did not authorize XXXX XXXX  to access my credit report, and the inquiry is inaccurately listed. Despite my disputes, XXXX has refused to remove the inquiry. 

I have attempted to dispute this through XXXX XXXX. There was no thorough investigation invest it was closed within an hour or two of me submitting my dispute.

The following laws and regulations support the deletion of a disputed inquiry : 1. Fair Credit Reporting Act ( FCRA ) : - Section 611 ( Dispute Process ) : Requires credit reporting agencies ( CRAs ) to investigate disputes and delete inaccurate or incomplete information.

- Section 605 ( Requirements Relating to Information contained in Consumer Reports ) : Requires CRAs to ensure the accuracy and completeness of information in consumer reports.

2. Regulation V ( 12 CFR Part 1022 ) : - Section 1022.43 ( Dispute Process ) : Implements the FCRA 's dispute process requirements. 
3. Consumer Financial Protection Bureau ( CFPB ) Guidance : - CFPB Bulletin XXXX ( Disputed Information on Consumer Reports ) : Clarifies that XXXX must investigate disputes and delete inaccurate information.

4. Federal Trade Commission ( FTC ) Guidance : - FTC Commentary on the FCRA ( 16 CFR Part 600 ) : Provides guidance on the FCRA 's requirements, including the dispute process. 

These laws and regulations require credit reporting agencies to investigate disputes and delete inaccurate or unauthorized inquiries. 

I request your assistance in resolving this issue and removing the unauthorized inquiry from my credit report. 

Thank you for your attention to this matter.

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