vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had one late payment on an account that I was never late for and one account with one-hundred and eighty, on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX ) : ( XXXX ) ( XXXX XXXX XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late.

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 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had one late payment on an account that I was never late for and one account with one-hundred and eighty, on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX ) : ( XXXX ) ( XXXX XXXX XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Subject : Request to Update Address and Remove Outdated Addresses from Credit Report I hope this letter finds you well. I am writing to request the update of my current address and the removal of outdated addresses from my credit report. As per the provided information, I have recently moved to a new address and wish to ensure that my credit information accurately reflects my present circumstances. 

Here are the details for the address update and removal : 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 I kindly request your prompt attention to this matter. Keeping my credit information up-to-date and accurate is crucial for the integrity of my credit profile. Please ensure that the new address is added and the mentioned outdated addresses are removed from all my credit reports maintained by your bureau. 

If any additional documentation or verification is required to process this request, please do not hesitate to contact me at XXXX or XXXX. I am fully prepared to provide any necessary information to facilitate the smooth update and removal of addresses on my credit report. 

I genuinely appreciate your assistance in this matter and thank you in advance for your prompt attention. Kindly confirm the receipt of this request and notify me once the necessary updates have been made to my credit report. 

Thank you for your time and cooperation. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Subject : Request to Update Address and Remove Outdated Addresses from Credit Report I hope this letter finds you well. I am writing to request the update of my current address and the removal of outdated addresses from my credit report. As per the provided information, I have recently moved to a new address and wish to ensure that my credit information accurately reflects my present circumstances. 

Here are the details for the address update and removal : 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 I kindly request your prompt attention to this matter. Keeping my credit information up-to-date and accurate is crucial for the integrity of my credit profile. Please ensure that the new address is added and the mentioned outdated addresses are removed from all my credit reports maintained by your bureau. 

If any additional documentation or verification is required to process this request, please do not hesitate to contact me at XXXX or XXXX. I am fully prepared to provide any necessary information to facilitate the smooth update and removal of addresses on my credit report. 

I genuinely appreciate your assistance in this matter and thank you in advance for your prompt attention. Kindly confirm the receipt of this request and notify me once the necessary updates have been made to my credit report. 

Thank you for your time and cooperation. 

Sincerely,

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 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, 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: AL

Complaint narrative:
To Whom It May Concern, I hope this letter finds you well. I am writing to formally request the immediate removal of a collection account from my credit reports. The collection account in question is associated with XXXX XXXX, with the original creditor listed as XXXX  and the account number is [ Account Number ]. The details of the account on each credit bureau report are as follows : TransUnion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I understand that this collection account is impacting my credit profile negatively. However, I believe there are grounds for its removal based on the following points : Inaccurate Reporting : The collection account is incorrectly reported as opened on XX/XX/2023 by TransUnion and XX/XX/2023 by XXXX and XXXX. These dates do not accurately reflect the true history of the account. 

Validation of Debt : I have not been provided with sufficient information to validate the debt associated with this collection. As a responsible consumer, I have the right to request and receive proper validation of the debt. 

Lack of Payment History : There is no accurate payment history provided for this account, making it difficult to assess its accuracy and validity. 

Recent Activity : The account has been reported as " Last Active '' on XX/XX/2023 by TransUnion, XX/XX/2023 by XXXX, and XX/XX/2023 by XXXX. However, I dispute this information as it does not reflect any recent activity on my part. 

I kindly request that you thoroughly investigate this matter and, if the information can not be validated, I request that you remove the collection account from all three credit bureau reports : TransUnion, XXXX, and XXXX. I believe it is in the best interest of all parties involved to resolve this matter promptly. 

Please provide written confirmation of the removal once it has been completed. I appreciate your attention to this matter and your assistance in resolving this discrepancy. 

Thank you for your prompt action in this regard. 

Sincerely,

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 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, 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:
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.

The letters are stated with items and issues.

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 2023-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
Ive attempted to call the number on the phone listed by the company, followed the promoted and its a dead end call no matter what option you chose. I tried every option possible, The prompt leads you to another set pre recorded messages and it automatically hangs up on you. 

Ive contacted the original creditor XXXX XXXX, notified them that my identity was stolen and this is where XXXX made aware that the account was open Washington State where I never reside in. 

I am following up with all 3 credit bureaus notifying them that this a fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Subject : Report to CFPB Regarding Equifax Account XXXX : XXXX Disputes and Potential Identity Manipulation Dear Sir/Madam I am writing to report a concerning issue with Equifax, a credit reporting agency, that has resulted in ongoing disputes regarding several accounts on my credit report. I have reason to believe that my personal information and credit data are being mishandled and potentially manipulated by someone working within the Equifax system. 
Over the past few months, I have reported discrepancies in my credit report to Equifax, but they repeatedly fail to correct the information accurately. I have provided clear and legitimate documents, including a copy of my Driver License and Social Security, yet these are being entered into the system with errors, appearing as dark or blurry pages. I am certain that I have printed the documents clearly, raising suspicions that my information might be intentionally mishandled. 
Moreover, I noticed that Equifax has placed a military Fraud Alert on my credit profile, which is erroneous since I am not associated with the military in any way. This false alert has impacted my creditworthiness and caused undue stress and concern. 
Considering the gravity of the situation and its potential implications on my financial standing and personal information security, I kindly request the CFPB 's immediate investigation into this matter. Equifax 's failure to address and rectify the errors in my credit report raises serious concerns about the security and accuracy of the data they hold. 
I am prepared to cooperate fully with any necessary procedures to resolve this issue and provide any additional information or evidence that may aid in the investigation. 
Thank you for your attention to this matter. Your prompt action is greatly appreciated. 
[ XXXX XXXX ] [ ( XXXX ) XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I have tried submitting and mail these documents supporting my disputes regarding the inquires.

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 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I have tried submitting and mail these documents supporting my disputes regarding the inquires.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
The attached accounts are being reported inaccurately according to 15 U.S Code 1681i ( a ) ( 5 ) ( a ) ( i ) and do not belong on my report. As you can see in the attached screenshot, these accounts have been removed and are not being furnished to my other credit reports ( XXXX and XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The attached account is being reported inaccurately and does not belong on my credit report under 15 U.S. Code 1681i ( a ) ( 5 ) ( a ) ( i ). The evidence is shown in the screenshot of my credit report, which shows that this account has been removed from my XXXX 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 non-monetary relief
Consumer complaint received 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: IL

Complaint narrative:
You have violated my consumer rights under fair credit act section 15 U.S.C. 1681e ] as well as 606 section ( b ) & ( c ) ( d ) 1 I ask that you remove This account under the guidelines of metro 2 format compliance this account is inaccurate under fair Credit section 623 ( 1A ) ( B ) ( i ) ( ii ) 3 as well as 609 ( A ) 1 Sec 611-2A1 ( 2B as this account does not belong to you and as been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
There are ( 2 ) collection appearing on my credit report by LVNV Funding. One seems to be from XXXX XXXX and another for. XXXX XXXX I am not sure how the XXXX XXXX appeared again as it was disputed before and removed. These accounts do not belong to me. The address that they are reporting to the credit bureaus does not match mine ( its missing XXXX XXXX XXXX ) on both. My identity was stolen and this could possibly be apart of that. Ive submitted documentation previously to support that and it still has not been removed. Ive also requested the contract, a copy of my ID, and address verification that this company is using to support the verification they are providing the credit bureaus. I have not signed and or submitted either of these items to the businesses so I am not sure how they are verifying its me. These items needs to be removed from my credit report immediately. I am very frustrated! This has impacted my credit greatly. 

Please remove, Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
The attached account is being reported inaccurately and does not belong on my credit report under 15 U.S. Code 1681b ( a ) ( 2 ). The evidence is shown in the screenshot of my credit report, which shows that I never gave written instructions to these agencies to furnish my credit report with this fraudulent account.

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 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The attached account is being reported inaccurately and does not belong on my credit report under 15 U.S. Code 1681i ( a ) ( 5 ) ( a ) ( i ). The evidence is shown in the screenshot of my credit report, which shows that this account has been removed from my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

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

XXXX # XXXX 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.

18 U.S.C. 894- ( b ) ( b ) In any prosecution under this section, for the purpose of showing an implicit threat as a means of collection, evidence may be introduced tending to show that one or more extensions of credit by the creditor were, to the knowledge of the person against whom the implicit threat was alleged to have been made, collected or attempted to be collected by extortionate means or that the nonrepayment thereof was punished by extortionate means.

Experian claimed this is accurate for many months especially I circled in the attached file. How it can be accuracy when I knew it is not accurate so obviously they take creditor 's words over me like my life being in control in the wrong hands.

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 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, 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: PA

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. 

XXXX XXXX, XXXX  XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX , XXXX XXXX  XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX  XXXX XXXX  XXXX, XXXX XXXX XXXX  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 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 non-monetary relief