vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-08 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: PA

Complaint narrative:
There are some inconsistencies with account XXXX  # XXXX The Date opened states XX/XX/XXXX which is incorrect. The date opened for this account is XX/XX/XXXX. Please correct this as according to the FCRA my credit report should be 100 % accurate. 
It also states that I was 30 days late XX/XX/XXXX & 60 days late XX/XX/XXXX. 
I have never been late on this account since opened. Pursuant to 15 USC 1666b a 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. The account above was never late and should be listed as current for the months listed.

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 2024-04-08 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: MD

Complaint narrative:
I looked at my report on XX/XX/2024, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are not complete and accurate. 


And XXXX more thing according to XXXX XXXX XXXX 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. 

Check the attachments below.

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 2024-04-08 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: MD

Complaint narrative:
I looked at my report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are not complete and accurate. 


And one more thing according to 15 USC 1681s-2 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. 

Check the attachments below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 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: MD

Complaint narrative:
I looked at my report on XX/XX/2024, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are not complete and accurate. 


And one more thing according to 15 USC 1681s-2 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.

Check the attachments below.

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 2024-04-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally address the ongoing issue of late open accounts on my credit report. This marks my second attempt to rectify this matter, and despite my efforts, the discrepancies remain unresolved. It has come to my attention that there are late open accounts inaccurately reported on my credit file. Despite my initial dispute and subsequent attempt to correct this error, the late open accounts persist, casting a shadow on my creditworthiness and financial reputation. I have diligently followed the procedures outlined by your organization to dispute and rectify inaccuracies in my credit report. However, the lack of action and resolution from your end is concerning and unacceptable. It is imperative that accurate and fair reporting is maintained to ensure the integrity of my credit history. I urge you to conduct a thorough investigation into the late open accounts and take immediate action to rectify this matter. The persistence of these inaccuracies not only affects my ability to access credit but also undermines my trust in your organization 's ability to uphold fair and accurate reporting practices. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX XXXXXXXX Balance : {$960.00} ; XXXX XXXX XXXX Balance : {$290.00}.

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 2024-04-08 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: TX

Complaint narrative:
I am writing to you to formally address the ongoing issue of fraudulent items on my credit report, specifically regarding my second attempt to have them removed. Despite my persistent efforts, the fraudulent items continue to mar my credit file, causing undue distress and hindering my financial well-being. 

I have diligently followed the protocols outlined by your organization to dispute and remove these fraudulent items. However, the lack of action and resolution from your end is both frustrating and unacceptable. As a consumer, I have the right to accurate and fair reporting of my credit history, and it is disheartening to witness the persistence of fraudulent activity without appropriate intervention. 

I urge you to conduct a thorough investigation into the fraudulent items and take immediate action to rectify this matter. It is imperative that these inaccuracies are promptly removed from my credit report to restore the integrity of my credit history and prevent further harm to my financial standing. With this, I am asking for your assistance to remove these fraud items in my credit file : 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 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

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 2024-04-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I received my credit report from XXXX, XXXX and TransUnion on XX/XX/2024 and notice there were hard inquiries that dont have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violationg my rights under XXXX XXXX XXXX. I also have attach the hard inquiries that dont have no purpose to be on my credit report. 

XXXX ) XXXX 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 2024-04-08 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: NV

Complaint narrative:
About a year ago, I discovered that I am a victim of identity theft again. I found out that someone unknown to me somehow, they found my personal information and had used it by changing my address and phone number to get a few credit cards, including the one from XXXX XXXX. I immediately filed a report on XXXX and sent a copy to all the major credit bureaus and I also sent a copy to the original creditors. They took the items off and then back on again. I sent a letter to XXXX XXXX and requested again this item does not belong to me and close the account and remove it from my credit report. As of this day, I have not received anything back. That is what brought me here today. Please help me to resolve this stressful situation.

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 2024-04-08 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: TX

Complaint narrative:
I am writing to address a concerning issue regarding the inaccurate balances associated with charge off accounts on my credit report. Despite my previous attempts to rectify this matter, the incorrect balances persist, negatively impacting my creditworthiness and financial standing. 

It has come to my attention that the balances reported for the charge off accounts on my credit report are incorrect. Despite providing evidence and documentation to support the accurate balances, the discrepancies remain unresolved. This inaccurate reporting not only tarnishes my credit history but also undermines my ability to access essential financial services and opportunities. 

I urge you to conduct a thorough investigation into the balances associated with the charge off accounts on my credit report and take immediate action to rectify this matter. It is imperative that the accurate balances are reflected to ensure the integrity of my credit history and prevent further harm to my financial standing. With this, I am asking for your assistance to remove these charge off accounts in my credit file : 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

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 2024-04-08 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: NJ

Complaint narrative:
In accordance with the fair credit reporting act convergent Account # XXXX and Account # XXXX has violated my rights 15 U.S. C 1681 section 602 A state I have the right to privacy 15 U.S.C 1681 section 604A section 2 it also State a consumer reporting agency can not furnish a account with my written instruction

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: FREEDOM FINANCIAL NETWORK
State: AL

Complaint narrative:
I hired freedom debt relief in XXXX to handle credit card debt. My graduation date was set for XX/XX/XXXX. In XX/XX/XXXX i was applying for a mortgage and paid all monies due to fdr to pay off XXXX creditor in full. We were already making payments to them and the balance due was {$230.00}. I asked them to pay the full amount in XXXX Well, in XXXX, i found out it hadn't been paid. In fact, fdr told me XXXX nullified the agreement and fdr would have to re-negotiate another settlement with them. I asked why it was nullified when i thought they paid it off as i requested.they tried blaming it on me, saying there was no money in my account. After i went ballistic on them, they told XXXX was at fault. So i called XXXX. XXXX told me they didn't receive ANY payment AT ALL in XXXX. So i called fdr. They got a new nehotiated settlement for {$390.00} and asked me to accept it. ( Keep in mind, we are now in XX/XX/XXXX, and they have been taking {$9.00} fee for themselves from my money for four months ). So, now i have {$300.00} left in my account. They want to take another {$200.00} from my personal checking for apr, XXXX, and XXXX to add to the {$300.00} i have remaing with them, which will total {$900.00} at the new graduation date of XX/XX/XXXX. {$900.00} so they can pay the new agreement amount of {$390.00}. XXXX Absolutely not!!! I want fdr stopped and i want my money back. They are THIEVES

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently revised my credit report and noticed an account that wasnt reporting accurately. I have XXXX late payments on that was paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has never been late on payments. Ive attached the payment history from my credit report. For experian they report XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Sec XXXX and XX/XX/XXXX, as late. This is inaccurate. For XXXX they report XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as late. This is inaccurate. For TransUnion they report XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as late this is inaccurate. 
Im now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information cant be verified I demand these payments be updated to paid on time immediately. Thank you for understanding and prompt action.

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 2024-04-08 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: NY

Complaint narrative:
I recently revised my credit report and noticed an account that wasnt reporting accurately. I have XXXX late payments on that was paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has never been late on payments. Ive attached the payment history from my credit report. For experian they report XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX and XX/XX/XXXX, as late. This is inaccurate. For Equifax they report XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as late. This is inaccurate. For XXXX they report XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as late this is inaccurate. 
Im now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information cant be verified I demand these payments be updated to paid on time immediately. Thank you for understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV Funding LLC is violating my consumer rights. It has come to my attention after reviewing my credit report that LVNV Funding LLC placed a collection on my consumer file without issuing the requisite notice and without notifying me of my right to dispute these alleged debts. I am unaware of this debt and I have no knowledge of these debt. 

In my first complaint this company attached a document that I have never received.i don't reside in the state that the address listed. They do not have any proof that it was received. I was never given a chance to dispute this alleged debt yet it waa placed on my credit report. 

I am requesting that LVNV Funding LLC provide a purchase order agreement between them and the alleged original creditors. This is very deceptive practices. LVNV Funding LLC is in violation of the Fair Credit Reporting Act he Fair Debt Collection Practices Act and it also Defamation of Character. LVNV Funding LLC has not provided me with validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection account on my credit report. 

The document that was sent in the attachment is under another company name as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: NJ

Complaint narrative:
I am writing to request the deletion of the late dates of the disputed item from my credit report. Despite my attempts to have the inaccurate and incomplete reporting verified by your bureau, still the inaccurate information appears on my report. Upon contacting the relevant company, it was confirmed that an error had indeed occurred. Additionally, assurances were given over the phone that the account would be promptly updated. 
Your bureau is legally obliged to conduct a thorough and timely investigation of disputes, including a review of all pertinent information submitted by the consumer, in this case, myself. Both XXXX and XXXX have already rectified the inaccuracy of this account on my report. Please update the account below : XXXX XXXX XXXXXXXX

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 2024-04-08 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: MOHELA
State: TX

Complaint narrative:
After reviewing my credit report I discovered that there is an information on my report that is hindering my credit worthiness without my permission. This is in violation of 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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: FL

Complaint narrative:
A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXXXXXX 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 XXXXXXXX

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