vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-08 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: WI

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

Account Name : XXXX XXXX Account # XXXX ( {$1000.00} ) Account Name : XXXX Account # XXXX Account Name : XXXX XXXX Account XXXX XXXX ( {$1400.00} ) Account Name : XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXXXXXX XXXX  Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX  Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX  Account # XXXX has violated my rights. 

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 an account without my written instructions 15 U.S.C. 1681C. ( A ) ( 5 ) Section states : No consumer reporting agency may make any consumer reports 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 7 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 know or has reasonable cause to believe that the information is inacurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: FL

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it.

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 2025-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: PA

Complaint narrative:
I am writing to formally dispute the account information reported to my credit file by Sunrise Credit Services in the amount of {$720.00}, which is stated to have been opened on XX/XX/XXXX. This account was neither opened nor authorized by me, and its appearance on my credit report constitutes a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

To provide context, I have been closely monitoring my credit report following the widespread XXXX data breach. As a precaution, I locked all my credit reports in XX/XX/XXXX, ( XXXX, XXXX, and XXXX ) ensuring that no new accounts could be opened or reopened without my explicit approval. It is troubling to discover that this account was either fraudulently created or reopened without my consent. 

Under the FCRA, my rights as a consumer have been violated due to the unauthorized activation of my locked accounts. I did not grant permission for this activity, nor was I informed of any attempt to bypass the security measures I placed on my credit files. This incident reflects a failure to adhere to proper protocols and safeguards. 

I have reported this fraudulent activity to the appropriate authorities, including XXXX, and I request that Sunrise Credit Services promptly : Remove the inaccurate account information from my credit file. 

This situation has unfairly impacted my credit standing and subjected me to unnecessary stress and inconvenience. I expect this issue to be resolved promptly and in accordance with federal regulations. Failure to address this matter appropriately may result in further actions to protect my rights as a consumer. 

Please confirm receipt of this dispute and provide a timeline for your investigation and resolution. 

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 explanation
Consumer complaint received 2025-01-08 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: DE

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-01-08 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: DE

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I recently reviewed my credit report and found inaccuracies regarding an account with XXXX XXXX ( Account # XXXX ). Specifically, the Date Closed listed for this account is incorrect. Additionally, I do not recall opening or authorizing this account, and no verifiable proof has been provided to confirm its validity. 

I contacted the creditor directly to request verification of this account, including any signed agreements or contracts, but I have not received any such documentation. Because the information remains unverified, this account is negatively affecting my credit report and ability to obtain credit. 

Under the Fair Credit Reporting Act ( FCRA ), XXXX is required to ensure that the information reported is accurate and verifiable. Since this account has not been positively verified, I am requesting its immediate removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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 am writing to formally dispute several accounts on my credit report that are inaccurate and do not belong to me. These accounts are fraudulent, incorrect, and unjustly affecting my financial standing. I want to emphasize that I have never authorized or engaged in any activities related to these accounts.

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 2025-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my 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 2025-01-08 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: IL

Complaint narrative:
Hello, I would like to initiate an investigation into these accounts, as there seems to be an issue with their accuracy on my credit report. Although these accounts were removed before, they have been added back without my knowledge. I did not receive any notification or mail correspondence regarding their reappearance.

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 2025-01-08 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: KS

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: FL

Complaint narrative:
I am writing to formally dispute the unauthorized or inaccurate credit inquiries listed on my credit report. As a consumer, I have rights under both the Fair Credit Reporting Act ( FCRA ) and the Uniform Commercial Code ( UCC ), which require that all credit information on my report be accurate and verifiable. Upon reviewing my credit report, I found the following inquiries that I believe to be unauthorized or improperly documented :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: FL

Complaint narrative:
I am writing to formally dispute the unauthorized or inaccurate credit inquiries listed on my credit report. As a consumer, I have rights under both the Fair Credit Reporting Act ( FCRA ) and the Uniform Commercial Code ( UCC ), which require that all credit information on my report be accurate and verifiable. Upon reviewing my credit report, I found the following inquiries that I believe to be unauthorized or improperly documented :

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 2025-01-08 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: KS

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my 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 2025-01-08 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CARVANT FINANCIAL LLC
State: FL

Complaint narrative:
I am filing this compliant regarding Carvant Financial, as I suspect a form 1099-c may have been issues or reported to the IRS in connection with my account, yet I have not received this form directly from the creditor. This lack of notification has caused potential confusion regarding my financial and tax obligations. 

i am requesting the following : 1. confirmation of whether a form 1099-c was issued or reported to the IRS 2. a copy of this form, if it exists, along with details of the alleged canceled debt, including the balance, the amount forgiven, and that date of cancellation. 
XXXX correction or retraction of any erroneous filings, if applicable, and confirmation of the resolution. 

This matter is urgent, as it may affect my tax reporting and financial standing. I have already reached out to Carvant financial directly but have not received satisfactory clarification or resolution. 

Desired resolution : 1.written confirmation of whether a 1099-C was Issued 2.a copy of the 1099-C if it was filed with the irs 3.proof that any errors in reporting, if present have been corrected with the irs my next step I will be submitting a complaint with the DMV if this isnt removed off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: IL

Complaint narrative:
Hello, I am requesting an investigation into these accounts, as there appears to be confusion regarding their accuracy on my credit report. These accounts were previously removed but have been re-added without my awareness. I was not notified of their reinstatement and have not received any mail correspondence about this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I kindly ask for your help to investigate accounts from companies incorrectly reporting late payments. When I was laid off, I requested that these payments be forgiven, and they agreed, but they are still listed as late. I have contacted them multiple times without receiving any updates, so I am reaching out to you as a last resort.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

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 2025-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
I XXXX XXXX was denied reconsideration because of having credit limits of {$2500.00} with no utilization. According to the American Express under writer. This violates my consumer laws I should have a fair access to credit due to me not using my credit not due to me having small credit balances. I feel this was racially biased decision I am a XXXX XXXX  business owner. I am looking to grow my brand and build my business just like every other XXXX business owner. Here is a copy of my credit report which deems I am more then eligible for credit approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: Viva Finance Inc.
State: FL

Complaint narrative:
" I am writing to dispute the unauthorized accounts appearing on my credit report. I did not open these accounts, and I believe my personal information was compromised as a result of the XXXX data breach. I request that these accounts be deleted from my credit report immediately, as their presence is causing me harm and negatively impacting my creditworthiness. I would appreciate your prompt attention to this matter, and I look forward to a resolution. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
Spoke with Chase Escalations they denied modification because they used the wrong amount for my Social Security income. They used amount of XXXX instead of the correct amount which is {$840.00}. Balance on the mortgage is {$20000.00}. 
request mortgage be redone over XXXX years. I XXXX XXXX XXXX XXXX don't want to lose my home. Please help Chase is not wanting to help me with my mortgage. 
They have been very unwilling to assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
The debt BULL CITY FINANCIAL is reporting was paid in full with original creditor on XX/XX/year> therefore balance and information still being reported as of XX/XX/year> is inaccurate. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute information that I believe is inaccurate, incomplete, or unverifiable. 
The debt XXXX XXXX XXXX is reporting has been removed and re added with false dates and other inaccurate information. Furthermore, under Section 605 ( 15 U.S.C. 1681c ), items such as negative accounts or those that were previously removed can not be re-reported after they have been successfully resolved or deleted from my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: WI

Complaint narrative:
Reclaiming and preserving you never respond back with all the accusations that I said I need to be pulled off my credit report even with that breach of credit reporting that a lot of information was given out on certain peoples I so nothing never happened it's been over a year and a half

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: TX

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

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 2025-01-08 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, Texas XXXX Phone : XXXX Email : XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Investigation and Dispute of Charge-Off under 15 U.S.C. 1681i To whom it may concern : I am writing to formally dispute a charge-off account that appears on my credit report managed by Experian. After reviewing my credit report, I have identified this account as inaccurate and potentially damaging. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to request a thorough investigation of disputed information on my credit report.

Pursuant to the provisions of the FCRA, I respectfully request the following : A detailed reinvestigation of the charge-off account in question to verify its accuracy, completeness, and validity.

Immediate correction or removal of this charge-off if it is found to be inaccurate, incomplete, or unverifiable.

Written confirmation of the results of your reinvestigation, including any changes made to my credit report as a result of this dispute.

The FCRA mandates that consumer reporting agencies must conduct a reasonable reinvestigation within a specific timeframe to ensure the accuracy of the reported information. Therefore, I trust that Experian will handle this matter with due diligence and compliance with federal regulations.

Attached to this letter, you will find a copy of my government-issued identification and proof of address to assist in your verification process.

Thank you for your prompt attention to this matter. I look forward to receiving your response within the timeframe prescribed by law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX : 15 U.S.C. 1681i ( Procedure in Case of Disputed Accuracy ) This section of the Fair Credit Reporting Act outlines the procedures that consumer reporting agencies must follow when a consumer disputes the accuracy of information on their credit report. Key provisions include : The agency must conduct a reasonable reinvestigation of the disputed information. 

If the information is found to be inaccurate or can not be verified, it must be corrected or deleted from the consumer 's credit file. 

The consumer must be informed of the results of the reinvestigation within the required timeframe. 

Failure to comply with these procedures can result in a violation of the FCRA and entitles the consumer to seek corrections and legal remedies.

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