vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion XXXX XXXX XXXX XXXX, PA XXXX RE : Error in some of my accounts I have received a recent credit report from your organization. After evaluating the various records, it can be clear that the following accounts appear with no regard for accuracy as needed by the Fair Credit Reporting Act. 

Creditor Information : XXXX Account ID : XX/XX/XXXX Amount : XXXX  Description : I genuinely understand that the date is not accurate for this inquiry and that is why I can't admit it as legal. So please correct that or if it can't be corrected, please cut it completely this minute.

I'm truly worried about the consequences of this error because I'm in the procedure of asking for a loan.

I am requesting for these inaccuracies to be corrected as soon as possible, per my rights under the Fair Credit Reporting Act ( FCRA ) & Metro 2 guidelines.

As per the FCRA, you are required to conduct an appropriate investigation if a consumer disputes information on their credit report. Moreover, Metro 2 guidelines set forth that the data furnishers must report accurate, complete, and timely information to the credit bureaus.

Furthermore, should you be unable to verify these items ' accuracy, Metro 2 guidelines & FCRA require you to delete them from my credit file promptly.

I kindly request that you investigate the following discrepancies : 1. *Section 609 : * - I assert my right to obtain a copy of my credit report. Please provide a free copy at your earliest convenience.

2. *Section 611 : * - I am disputing inaccuracies in my credit report. Under Section 611, I request a thorough investigation into the disputed items to ensure the accuracy of the information.

3. *Section 605 : * - I want to highlight that negative information on my credit report should adhere to the permissible reporting duration outlined in Section 605. Please review and ensure compliance.

4. *Section 623 : * - According to Section 623, I expect furnishers of information to diligently investigate the disputed items. I urge you to work with them to resolve these discrepancies promptly.

I regardfully demand some instrument that bears my signature on this account or the items must be deleted from your report during the next 30 days.

Under federal law, you've thirty ( 30 ) days to complete your investigation. Also, be advised that the description of the process utilised to ascertain the accuracy and completeness of the details is hereby requested also, to be provided within fifteen ( 15 ) days of the completion of your investigation.

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 2024-10-12 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 SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-12 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: FL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-10-12 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: 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.

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 XXXX 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 non-monetary relief
Consumer complaint received 2024-10-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Account name CAP ONE NA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAP ONE AUTO FIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAP ONE AUTO FIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAP ONE NA XXXX XXXX XXXX XXXXXX/XX/XXXX ( i am a victim of id theft these are not my accounts nor did i give these companies authorization to run credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-12 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: FL

Complaint narrative:
XXXX XXXX XXXX is in violation of the Fair Credit Reporting Act ( FCRA ), U.S. Code 15 1681, and its privacy provisions in connection with my account number XXXX. On XX/XX/year>, I sent a promissory note via certified mail outlining the terms of payment for this account. In the promissory note, it was clearly stated that during the repayment process, no negative information, including late payment history, should be reported to any credit bureaus. 

Despite this agreement, it has come to my attention that XXXX XXXX XXXX has reported late payment information related to this account. This action is in direct violation of the terms outlined in the promissory note and the following provisions of the FCRA : Unauthorized or Inaccurate Reporting of Consumer Information : Under 15 U.S.C. 1681s-2 ( a ), furnishers of credit information are obligated to provide accurate information. Reporting late payments contrary to the terms agreed upon in the promissory note violates this statute. 

Consumer Rights to Privacy : The FCRA ensures the protection of consumer credit information. By reporting late payments without cause, XXXX XXXX XXXX has breached the privacy protections provided to me as a consumer under the 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 2024-10-12 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: American Credit Acceptance, LLC
State: FL

Complaint narrative:
American Credit Acceptance is in violation of the Fair Credit Reporting Act ( FCRA ), U.S. Code 15 1681, and its privacy provisions in connection with my account number XXXX. On XX/XX/2024, I sent a promissory note via certified mail outlining the terms of payment for this account. In the promissory note, it was clearly stated that during the repayment process, no negative information, including late payment history, should be reported to any credit bureaus. 

Despite this agreement, it has come to my attention that American Credit Acceptance has reported late payment information related to this account. This action is in direct violation of the terms outlined in the promissory note and the following provisions of the FCRA : Unauthorized or Inaccurate Reporting of Consumer Information : Under 15 U.S.C. 1681s-2 ( a ), furnishers of credit information are obligated to provide accurate information. Reporting late payments contrary to the terms agreed upon in the promissory note violates this statute. 

Consumer Rights to Privacy : The FCRA ensures the protection of consumer credit information. By reporting late payments without cause, American Credit Acceptance has breached the privacy protections provided to me as a consumer under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human Trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts.XXXX  XXXX. {$490.00}, XXXX XXXX. {$490.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
Hello, I was contacted by a debt collection company - Aldous & Associates P.L.L.C around a week ago regarding the alleged debt I have. 
The amount they provided was incorrect as I had a contract with the health center for XXXX including taxes and according to Aldous & Associates P.L.L.C the current balance was XXXX XXXX 
After I called them the first time and telling I had a contract for XXXX XXXX they told me the additional amount was for their fee as after sending the debt to collections they added their fee so that's how it got to XXXX. This was on XX/XX/XXXX. Also, I requested a breakdown of the debt to validate the debt and they did not provide it. 
So far I have not received any debt validation letter and have not received anything by mail. 
Today XX/XX/XXXX I called them back and asked for debt validation letter and they send me the email with my account number and name of the institution, debt amount, my address and ways to pay the debt. 
So I still have not received the debt validation letter or the breakdown of the debt nor the acknowledgment of how it got to XXXX XXXX After calling them today and asking about this amount and stating from the previous call that it was their fee ( according to their colleague ) they told me they did not have any fee, only payment processing which is only up to XXXX XXXX So no one is providing the information about how the debt got to this amount and they are not sending me debt validation letter. 
They said two different things on calls about the amount and one of their representatives even hung up on me after I requested debt validation letter.

I also didn't receive notice of right to dispute or any communication by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I submitted a cell phone protection claim as the card benefit from the Chase Freedom XXXX card on chasecardbenefits.com and got a denial for the case on XX/XX/year>. I believe that the adjudicator made a mistake and did not follow the guidance correctly or misunderstood the terms. However, I can not get in touch with the adjudicator after multiple attempts. The case number is XXXX. 

According to the letter, the reason for denial is : cell phones which have been rented, borrowed, or are part of prepaid or pay as you go plans. 

I also submitted proof that I purchased the phone in full directly from XXXX XXXX. So, the phone is not rented, borrowed, or a part of a prepaid or pay as you go plan. 

Subsequently, I contacted the customs service and requested a callback from the adjudicator. The customs service suggested that I would get a call from the adjudicator within 2 days. However, I did not get any call after 2 days. I contacted the customs service again but still did not get any call after another 2 days.

The customs service also suggested that the phone can not be on a prepaid plan in order to get covered. However, this is not specified in the benefit guidance ( attached PDF and a screenshot on chase.com ). 

The pdf guidance exclusion criteria said, " XXXX XXXX XXXX  that are received as part of a pre-paid plan. '' Together with the description on chase.com " cell phones which have been rented, borrowed, or are part of prepaid or 'pay as you go " plans '', it is clear that the phone can not be subsidized by pre-paid service but has nothing to do with the service plan that the phone is using. 

Indeed, there are multiple prior cases on the internet where phone protection claims on the pre-paid plan were approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: IL

Complaint narrative:
VALIDATION AND CEASE AND DESIST Re : Dear Sr : Name : XXXX XXXX Address : XXXX XXXX XXXX Account # : XXXX I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor. 
PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation. 
the ___ _________________________

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 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: CA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 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: MA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 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: IL

Complaint narrative:
Some one applied XX/XX/XXXX for XXXX XXXX  credit card with out my knowledge fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 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: MI

Complaint narrative:
Please check this complaint thoroughly, this is not sent in error. There seems to be information that was mixed on my report, I kept seeing accounts, transactions and items that are not mine, this is really troubling and it's causing me undue stress and XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 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: FL

Complaint narrative:
On different occasions I have disputed the collection card accounts that erroneously appear on my Experian and XXXX credit report without having an effective response to the request, and I even made an identity theft report that I also sent but it is observed by Experian and XXXX that they did not carry out an efficient investigation to determine that the account that appears on my credit report does not belong to me and they even put an address on the account that I do not know, this gives rise to thinking that it is information that belongs to another person or that I was a victim of identity theft, this information is affecting me since it harms me when applying for my mortgage loan. I have been a very responsible person and I pay all my bills on time and this is demonstrated by the other companies XXXX and that is why I request that these erroneous accounts that appear in EXPERIAN and XXXX be removed from my credit report in accordance with the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i. This information below is the wrong information shown on Experian and XXXX. XXXX XXXX XXXXXXXX Account Number XXXX : Please remove it from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Please remove it 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 explanation
Consumer complaint received 2024-10-12 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: MA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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