vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-24 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Corp Solutions Inc.
State: CA

Complaint narrative:
I request proof of ownership from the collection company and they send me a letter saying it was assigned to them from the creditor with nothing shown that information. There letter said assigned to them, yet is listed on the credit report as sold. As per FCA a account can't be sold and declared as loss. I am requesting that the account be removed from all XXXX reporting agency fir incorrect information. This my XXXX request to the collection company and the credit bureau with nothing been done other than information was verified. Copy of letter and copy of report included.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian, Equifax, TransUnion Re : Dispute of Inaccurate Reporting Subject : Request for Deletion Due to FCRA Violations - 15 U.S.C. 1681i Dear Sir/Madam, I am writing to dispute inaccurate and unverifiable information on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I am entitled to have any information on my credit report that is inaccurate or incomplete properly investigated, and if necessary, deleted. I am requesting that you investigate the following accounts and remove them from my credit report if they can not be verified as accurate. 

Account XXXX : Fifth Third Bank Account Number : XXXX Reported Name : XXXX A XXXX Reported Address : XXXX XXXX XXXX, XXXX, NC XXXX Charge-Off Amount : {$6900.00} Date of Closure : XX/XX/XXXX Status : Unpaid Discrepancy : The account listed contains incorrect personal information, including an incorrect address ( reported as XXXX XXXXXXXX XXXX, not my known address ). Additionally, this account was closed and charged off without proper investigation, as required under the FCRA. As such, I believe this account is unverifiable, and I request that it be deleted from my credit report. 

Inquiries I also note several inquiries on my credit report that I do not recognize and believe may be unauthorized or made in error, including but not limited to : XXXX : XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX : XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Please review the legitimacy of these inquiries and provide verification of their accuracy.

Under 15 U.S.C. 1681i, you are required to conduct a reasonable investigation into disputed information and correct or delete any information that can not be verified. Failure to comply with these requirements is a violation of my rights under the FCRA, and I demand that you either validate or remove these accounts and inquiries from my credit report. 

If these inaccuracies can not be verified within 30 days, I demand the immediate deletion of all associated information in accordance with the law. I also request that you provide me with a written confirmation of your findings upon completion of your investigation. 

Please address this matter promptly and update me on the status of the investigation. Thank you for your attention to this important issue. 

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 2025-03-25 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian, Equifax, TransUnion Re : Dispute of Inaccurate Reporting Subject : Request for Deletion Due to FCRA Violations - 15 U.S.C. 1681i Dear Sir/Madam, I am writing to dispute inaccurate and unverifiable information on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I am entitled to have any information on my credit report that is inaccurate or incomplete properly investigated, and if necessary, deleted. I am requesting that you investigate the following accounts and remove them from my credit report if they can not be verified as accurate. 

Account XXXX : Fifth Third Bank Account Number : XXXX Reported Name : XXXX A XXXX Reported Address : XXXX XXXX XXXX, XXXX, NC XXXX Charge-Off Amount : {$6900.00} Date of Closure : XX/XX/XXXX Status : Unpaid Discrepancy : The account listed contains incorrect personal information, including an incorrect address ( reported as XXXX XXXXXXXX XXXX, not my known address ). Additionally, this account was closed and charged off without proper investigation, as required under the FCRA. As such, I believe this account is unverifiable, and I request that it be deleted from my credit report. 

Inquiries I also note several inquiries on my credit report that I do not recognize and believe may be unauthorized or made in error, including but not limited to : XXXX : XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX : XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Please review the legitimacy of these inquiries and provide verification of their accuracy.

Under 15 U.S.C. 1681i, you are required to conduct a reasonable investigation into disputed information and correct or delete any information that can not be verified. Failure to comply with these requirements is a violation of my rights under the FCRA, and I demand that you either validate or remove these accounts and inquiries from my credit report. 

If these inaccuracies can not be verified within 30 days, I demand the immediate deletion of all associated information in accordance with the law. I also request that you provide me with a written confirmation of your findings upon completion of your investigation. 

Please address this matter promptly and update me on the status of the investigation. Thank you for your attention to this important issue. 

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 2025-03-24 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: GA

Complaint narrative:
I am filing this complaint because my credit reports show several unauthorized inquiries that i did not initiate or approve. These inquiries have appeared without my consent, and despite reaching out to the credit bureaus to have them removed, they remain on my reports. My disputes have been ignored or dismissed without proper investigation, leaving these inaccurate inquiries to negatively impact my XXXX XXXX. This situation is both alarming and unjust, as these inquires are not a result of any actions ive taken.

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 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint because my credit reports show several unauthorized inquiries that i did not initiate or approve. These inquiries have appeared without my consent, and despite reaching out to the credit bureaus to have them removed, they remain on my reports. My disputes have been ignored or dismissed without proper investigation, leaving these inaccurate inquiries to negatively impact my XXXX XXXX. This situation is both alarming and unjust, as these inquires are not a result of any actions ive taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: NY

Complaint narrative:
am writing to you regarding the account identified as XXXX, which was charged-off or placed in collections on XX/XX/. After reviewing this account, I believe there may be grounds for removal of this derogatory item from my credit report. 

I am fully committed to resolving this matter. I have since improved my financial management and overall situation, ensuring reliability and proactively handling my current obligations. Given my improved status, I am hoping to negotiate a good will request for the removal of this negative listing from my credit profile.

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 2025-03-24 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: NY

Complaint narrative:
am writing to you regarding the account identified as XXXX, which was charged-off or placed in collections on XX/XX/year>. After reviewing this account, I believe there may be grounds for removal of this derogatory item from my credit report. 

I am fully committed to resolving this matter. I have since improved my financial management and overall situation, ensuring reliability and proactively handling my current obligations. Given my improved status, I am hoping to negotiate a good will request for the removal of this negative listing from my credit profile.

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 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a United States XXXX Veteran. My sir name is incorrect, I am a XXXX, not a THIRD. I have a payment due as of XX/XX/year> for the amount of {$XXXX} I'm in the hospital a lot and not able to walk well so I don't get my mail often. I tried to tell them that this is not my debt but they did nothing, along with many other accounts on my credit reports.

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 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a United States XXXX Veteran. My sir name is incorrect, I am a XXXX, not a THIRD. I have a payment due as of XX/XX/year> for the amount of {$XXXX} I'm in the hospital a lot and not able to walk well so I don't get my mail often. I tried to tell them that this is not my debt but they did nothing, along with many other accounts on my credit reports.

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 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a United States XXXX Veteran. My sir name is incorrect, I am a XXXX, not a XXXX. I have a payment due as of XX/XX/year> for the amount of {$XXXX} I'm in the hospital a lot and not able to walk well so I don't get my mail often. I tried to tell them that this is not my debt but they did nothing, along with many other accounts on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: PNC Bank N.A.
State: MD

Complaint narrative:
On XXXX  I agree to pay a lesser amount on a recorded line in which an agent informed me that the late payments would not affect my credit and if it did at a later date the late payments would be removed. I have been disputing this information until late per 15 USC 1637b i requested periodic statements or delivery through tracking number mail or delivery receipt which has not been furnished by PNC BANK

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: GA

Complaint narrative:
To whom it may concern, According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, Section 602 ( a ), consumer reporting agencies are required to exercise their responsibilities with fairness, impartiality, and respect for consumer privacy. XXXX and Experian, as consumer reporting agencies, must adhere to these legal obligations, and as a consumer, I have the right to ensure my private information is not shared without my consent.

Furthermore, 15 U.S.C. 6801 establishes that financial institutions have an ongoing obligation to respect customer privacy and protect the security and confidentiality of nonpublic personal information. Under 15 U.S.C. 1681, Section 604 ( a ) ( 2 ), consumer reporting agencies may only furnish a consumer report with the written instructions of the consumer to whom it relates. I have not provided, nor do I provide, such consentverbally, non-verbally, in writing, implied, or otherwiseto XXXX, Experian, or any furnisher of information to these agencies. Any prior consent is hereby revoked. 

Additionally, 15 U.S.C. 6802 ( b ) ( c ) states that a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is provided with an opportunity to opt out. I was never informed of my right to exercise this nondisclosure option.

Moreover, 15 U.S.C. 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse items of information in a consumer report if they are more than seven years old, except for criminal convictions. The account being reported is an adverse item and is being furnished without my consent, in violation of federal law.

According to 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), a person shall not furnish any information to a consumer reporting agency if they know or have reasonable cause to believe the information is inaccurate. Additionally, 15 U.S.C. 1681e requires consumer reporting agencies to maintain reasonable procedures to prevent violations of Section 1681c and to limit the furnishing of consumer reports to legally authorized purposes. Based on these provisions, it is evident that XXXX and Experian are not maintaining reasonable compliance procedures. 

Lastly, under 12 CFR 1016.7, consumers have the right to opt out of certain reporting services at any time. I am hereby exercising my right to opt out of your reporting services and request that my information no longer be furnished or reported.

Please confirm your compliance with this request in writing. Failure to adhere to these legal provisions may result in further action. 

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 2025-03-24 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: OH

Complaint narrative:
I was alarmed that there are inaccurate late payment remarks on my 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 2025-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: January Technologies, Inc
State: FL

Complaint narrative:
I had an account with XXXX  and a ticket for XXXX was bought through them by a family member, that was to pay off the debt but didn't XXXX went ahead an charge off the debt then write off the debt and also sold it to a third party, you can not write a debt off your account and then sold it to a third party to collect the funds for you it is fraud and taking from the government .by law if an account is writingoff I suppose to get a XXXX form. And I did not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: IN

Complaint narrative:
I am filing a complaint against National Credit Systems regarding a debt they are attempting to collect on behalf of XXXX XXXX XXXX. This debt is related to a legal case I had regarding my rental at XXXX XXXX XXXX, and I was able to have the case sealed through the courts. The court sealed this debt, and as such, I believe it should not be reported or pursued by a collection agency. Despite this, National Credit System is still attempting to collect the debt and reporting it to credit bureaus, which is in violation of the court 's decision. I request that National Credit System cease all collection efforts and remove this debt from my credit report immediately, as it has been legally sealed. I have attached a copy of the court order that sealed the case, as well as any other relevant documentation, to assist in the investigation. I kindly ask that the Consumer Financial Protection Bureau intervene and ensure that National Credit System complies with the legal ruling and stops any further collection activities related to this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
Dear ( Debt Collector ) Collection agency name : I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2.

Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: CA

Complaint narrative:
I demand the swift removal of these inaccuracies from my credit report. These entries violate the Metro 2 Credit Reporting Guidelines and are severely damaging my financial standing. Under Section 623 ( a ) ( 1 ) ( A ), information furnishers must provide accurate data, and it is clear that this obligation has not been met.

Additionally, under Section 623 ( b ) ( 1 ) ( A ), you are obligated to investigate and correct any inaccuracies, and failure to comply with these requirements will result in liability under Sections 616 and 617 of the FCRA. Legal action will be pursued if these errors arent swiftly removed.

Company response to consumer: Closed with non-monetary relief