vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion : TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request to Remove Old and Incorrect Information from Credit Report Dear TransUnion , I am writing to formally dispute outdated and inaccurate information that is currently listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate these items and remove any information that can not be verified as accurate or that has exceeded the allowable reporting timeframe. 

Disputed Accounts : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Issue : Outdated collection account ; reporting beyond allowable period and incorrect balance. Account has been removed from XXXX and XXXX as per creditor determination of account closed Issue : Incorrect status listed as open instead of closed. 

I am requesting that each disputed item be verified and corrected or removed as necessary. For items that can not be verified, please delete them from my report in accordance with the FCRA. 

Additionally, I would like to receive a new, updated copy of my credit report reflecting these corrections. Please respond to this dispute in writing within 30 days of receipt. 

Thank you for your attention to this matter. 

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 2024-11-05 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX  account with XXXX XXXX XXXX originally a XXXX phone account debt opened on XX/XX/year>. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX  account with XXXX XXXX XXXX originally a XXXX phone account debt opened on XX/XX/year>. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-11-05 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: IN

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX and Equifax credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan account opened at XXXX XXXX XXXX opened on XX/XX/XXXX under the account number XXXX, real estate loan account opened at XXXX XXXX XXXX opened on XX/XX/XXXX account number XXXX and XXXX XXXX XXXX opened on XX/XX/XXXX account number XXXX. These hard inquiries XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MT

Complaint narrative:
Experian has no way to get a dispute removed. I do not need to file a new dispute, I need to remove an old one that says it is still in dispute even though it is not. it only says it on experian and they have no way to talk to anyone on the phone about it. There is no help email, or online chat that is able to help. Experian must have no help what so ever to help consumers and I am stuck because my bank requires that dispute to be removed before I can refinance my house but getting in touch with them has become an impossible task for something should be simple. Again I am not trying to dispute the info, I am only trying to remove a dispute. This task is very easy with the other Credit Bureaus. Experian has no customer support whatsoever for any issue that I have found. online it just says it should be requested with no way to request 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 explanation
Consumer complaint received 2024-11-05 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: ID Analytics, Inc.
State: OH

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 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: IL

Complaint narrative:
On XX/XX/XXXX I sent all the bureaus a certified letter. You received my dispute regarding some transactions and late payments that you and XXXX XXXX furnished to my consumer report and when I disputed these exclusions using the FCRA I received a response from you ( XXXX, Transunion, XXXX ) stating that the account was verified!!! Account # XXXX and # XXXX Your is report still showing the same exact data which means nothing was done. In XXXX XXXX I was late XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX XXXXXXXX days. The days late are reporting inaccurate then it states on my last letter from XXXX XXXX This item was updated from our processing of your dispute in XX/XX/XXXX so no investigation was done they simply just updated it same incorrect information. 
I am not sure why you responded with Verified as I did not ask for verification of anything! The law clearly states that ; \n ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) \nreport containing information solely as to transactions or experiences between the consumer and the person making the report ; how can you validate a dispute regarding information that is excluded from the consumer report? The law says transactions are not apart of my consumer! So how can you validate a late payment? 
Further more lets take a look at 15 USC 1666b\n ( a ) Time to make payments\nA creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
I am requesting all information pursuant Rule 1002 on 15 USC 1666b and the procedure that was used to authenticate accuracy ; \nWhat reasonable procedure that you have adopted designed to ensure that each peridioc statement including information required by section 1637b was mailed or delivered to the consumer not later than 21 days before the payment due date. 
The only way for you to validate a late payment is to ensure that 15 USC 1666b was done in compliance XXXX compliance and FCRA compliance!! to the specifications of the law 15 USC 1666b! Further more this process must be certified by an agent that the information is accurate. I am requesting requesting the Certification of accuracy and the agent/s that were involved in the certification process, that certified that the information is complete and accurate. 
LATE PAYMENTS ARE ILLEGAL????? I WILL SHOW YOU WHEN WE GO TO COURT.

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 2024-11-05 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: IL

Complaint narrative:
On XX/XX/XXXX I sent all the bureaus a certified letter. You received my dispute regarding some transactions and late payments that you and XXXX XXXX furnished to my consumer report and when I disputed these exclusions using the FCRA I received a response from you ( Experian, XXXX, XXXX ) stating that the account was verified!!! Account # XXXX and # XXXX Your is report still showing the same exact data which means nothing was done. In XXXX XXXX I was late XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX  XXXX days. The days late are reporting inaccurate then it states on my last letter from XXXX XXXX This item was updated from our processing of your dispute in XX/XX/XXXX so no investigation was done they simply just updated it same incorrect information. 
I am not sure why you responded with Verified as I did not ask for verification of anything! The law clearly states that ; \n ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) \nreport containing information solely as to transactions or experiences between the consumer and the person making the report ; how can you validate a dispute regarding information that is excluded from the consumer report? The law says transactions are not apart of my consumer! So how can you validate a late payment? 
Further more lets take a look at 15 USC 1666b\n ( a ) Time to make payments\nA creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
I am requesting all information pursuant Rule 1002 on 15 USC 1666b and the procedure that was used to authenticate accuracy ; \nWhat reasonable procedure that you have adopted designed to ensure that each peridioc statement including information required by section 1637b was mailed or delivered to the consumer not later than 21 days before the payment due date. 
The only way for you to validate a late payment is to ensure that 15 USC 1666b was done in compliance METRO2 compliance and FCRA compliance!! to the specifications of the law 15 USC 1666b! Further more this process must be certified by an agent that the information is accurate. I am requesting requesting the Certification of accuracy and the agent/s that were involved in the certification process, that certified that the information is complete and accurate. 
LATE PAYMENTS ARE ILLEGAL????? I WILL SHOW YOU WHEN WE GO TO COURT.

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 2024-11-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC
State: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Mobile phone account opened in 2024 sometime with XXXX XXXX and now Collected by Credit Control , LLC. These accounts have resulted in a fraudulent collections account appearing in my name and eventually on my consumer XXXX credit report. I do not recognize the aforementioned accounts or collections, as reported. The aforementioned accounts and collections are to appear on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: MO

Complaint narrative:
Marks the account paid in full for less than balance. Account was paid and settled in full of the balances. Wrong info reported to credit bureau XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 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: TX

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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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 2024-11-05 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: TX

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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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 2024-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Monterey Financial Services LLC
State: CA

Complaint narrative:
It is located on XXXX Report - Report XXXX XXXX XXXX - I wrote them a letter to stop contacting me and they have repeatedly called my number and has not successfully verified debt even on request.

Under 15 USC 1692c ( c ) that law successfully states : " If a consumer notifies a debt collected that the consumer refuses to pay a debt the debt collect must cease all communications. '' Because they have violated this law, they must cease and desist and the account must be removed. 

Additionally, it is not reporting on all XXXX bureaus and on my XXXX as well. Therefore, it must be deleted for inaccurately reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation