vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-29 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 would like you to conduct an investigation for me to make certain that everything is accurate. 
XXXX ) XXXX  XXXX account : XXXX * XXXX ) XXXX  account XXXX XXXX XXXX XXXX  XXXX account XXXX XXXX ) XXXX XXXX account XXXX ******* XXXX ) ** XXXX XXXX XXXX account XXXX XXXX ) XXXX account XXXX This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, Date of Last Activity and Date *** Reported is not accurate. And because not accurate with the FAIR CREDIT REPORTING you can not post on my credit report.

*** DELETE 30 Day late from my credit report due to violation of 15 USC 1681s-2 ( F )

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 2024-09-29 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: BetterNOI, LLC
State: FL

Complaint narrative:
Attn : Screening Reports XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Florida XXXX This is the letter I sent the company and I included copies of my identification. The letter I sent Screening Reports will be as follows. 

To whom it may concern, Please consider this a formal request to investigate and correct the following ALL inaccurate items on my credit report issued by your agency. 
These items must be removed in order to show my true credit history. 
I make this request pursuant to 15 USC Section 1681i of the Fair Credit Reporting Act of 1997. 
As required by the Act, Under 15 U.S. Code : ( b ) ACCURACY OF REPORT 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. 

I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 
Item Number Company Name Account Number Comments 1. All Name, DOB etc. listed 2. All Social Security Numbers listed 3. All Past and current addresses listed 4. ALL Evictions listed 5. All Collections accounts listed 6. ALL Credit Accounts listed 7. ALL Credit Inquires listed 8. ALL Public Records listed 9. ALL Credit Summary listed 10. ALL Criminal Records Listed 11. ALL Identify Listed 12. ALL Installments listed Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file. 

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. 
Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. 

I HAVE INCLUDED COPIES OF MY DRIVERS LICENCE, PASSPORT AND SOCIAL SECURITY CARD IF VERIFICATION. 
ALL INFORMATION LISTED ON THIS REPORT IS INACCURATE. ITS A TOTALLY DIFFERENT PERSON. 

Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Every time I try to login into my equifax account a pop up message stating we are temporarily unable to complete this request. Issue has been ongoing for about a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 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: NJ

Complaint narrative:
re : dispute results. File number XXXX for this account : Account : XXXX XXXX XXXX Account # : XXXX Hello TRANSUNION XXXX, I disagree with the XXXX XXXX XXXX account listed which still appears on my credit report after your Investigation. I am requesting the immediate re-investigation of this item. The inaccuracies being reported are highly injurious to my XXXX XXXX. 

In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, and Subsection A-D, please provide me with the complete names, contact information, and business addresses of each individual you verified the account information listed above so that I may follow up. 

Please send me an updated copy of my report after your reinvestigation. Thank you Here is the account information again ; Account : XXXX XXXX XXXX Account # : XXXX from dispute File Number : 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 2024-09-29 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: TX

Complaint narrative:
I would like you to conduct an investigation for me to make certain that everything is accurate. 
XXXX ) XXXX XXXX account : XXXX * XXXX ) XXXX account XXXX XXXX ) XXXX  XXXX account XXXX XXXX ) XXXXXXXX XXXX  account XXXX ******* XXXX ) ** XXXX XXXX XXXX account XXXX XXXX ) XXXX account XXXX This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, Date of Last Activity and Date *** Reported is not accurate. And because not accurate with the FAIR CREDIT REPORTING you can not post on my credit report. 
*** DELETE 30 Day late from my credit report due to violation of 15 USC 1681s-2 ( F )

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 2024-09-29 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: TX

Complaint narrative:
I would like you to conduct an investigation for me to make certain that everything is accurate. 
XXXX ) XXXX  XXXX account : XXXX * XXXX ) XXXX account XXXX XXXX ) XXXX XXXX account XXXX XXXX ) XXXX XXXX account XXXX ******* XXXX ) ** XXXX XXXX XXXX account XXXX XXXX ) XXXX  account XXXX This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, Date of Last Activity and Date *** Reported is not accurate. And because not accurate with the FAIR CREDIT REPORTING you can not post on my credit report. 
*** DELETE 30 Day late from my credit report due to violation of 15 USC 1681s-2 ( F )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-29 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: NJ

Complaint narrative:
re : dispute results. File number XXXX for this account : Account : XXXX XXXX XXXX Account # : XXXX Hello TRANSUNION XXXX, I disagree with the XXXX  XXXX XXXX account listed which still appears on my credit report after your Investigation. I am requesting the immediate re-investigation of this item. The inaccuracies being reported are highly injurious to my credit score. 

In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, and Subsection A-D, please provide me with the complete names, contact information, and business addresses of each individual you verified the account information listed above so that I may follow up. 

Please send me an updated copy of my report after your reinvestigation. Thank you Here is the account information again ; Account : XXXX XXXX XXXX Account # : XXXX from dispute File Number : 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 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Formal Complaint Regarding Inaccurate Reporting of Accounts in Violation of 15 U.S.C. 1681c Dear CFPB Team, I am writing to formally lodge a complaint regarding the inaccurate reporting of two of my accounts by all three major credit bureaus ( Experian, XXXX, and XXXX ). Despite my efforts to resolve these accounts, they are currently being reported inaccurately as charge-offs, when they should reflect a negative new balance as per XXXX U.S.C. XXXX of the Fair Credit Reporting Act ( FCRA ). 

The accounts in question are : XXXX XXXX XXXX XXXX XXXX ) Account XXXX. XXXX This account was closed and is no longer appearing on my credit reports. However, it should be recorded accurately as a negative balance, not as a charge-off. 
XXXXXXXX XXXX XXXX XXXX XXXX  Account XXXX This account is currently reported as a charge-off on my Experian report, which is not reflective of the actual status, as I am actively paying toward resolving this debt. This also should be recorded as a negative balance, not a charge-off. 
Both accounts are being handled through XXXX XXXX, Account XXXX. XXXX, and I have been making consistent payments for the past five months.

Details of the complaint : The Fair Credit Reporting Act under 15 U.S.C. 1681c ( a ) clearly states that negative information such as charge-offs should be accurately reported, and there are limitations on the type of information that can be retained on consumer credit reports. 
Both of these accounts should reflect a negative balance ( new balance ) rather than charge-offs, as I am making payments and actively working to resolve them. 
I have made several attempts to resolve this issue directly with the credit bureaus and the creditors involved, but to date, these inaccuracies have not been corrected. 
I am requesting that the CFPB investigate this matter and take the necessary steps to ensure these accounts are accurately reported by the credit bureaus, pursuant to 15 U.S.C. 1681c. The continued reporting of these accounts as charge-offs is damaging to my credit profile and in violation of the FCRA.

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 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV FINXACT CORE
State: WA

Complaint narrative:
I received a mail from TRS Recovery Services on XX/XX/scrub>XXXX XXXX XXXX that I owe a total of {$32.00} from an unpaid balance with XXXX and the Creditor was TeleCheck Services, LLC ( not TeleCheck Services , Inc ). I know that I do not have any unpaid balance with XXXX. I contacted XXXX to confirm this. I believe this started after I linked my bank account to my XXXX app for some purchases. The debt collection detail showed the last XXXX digits of the XXXX number associated with my linked account details. I have since then disconnected my bank account details from my XXXX app. 

I filled in the online form on TRS to indicate that that was not my debt and requested proof of debt but I did not receive any. Later on, I received a different mail on XXXX XXXX XXXX with a whole new debt of {$85.00} from unpaid balances with XXXX with the same details regarding TeleCheck Services, LLC. I filled out the online form on TRS to tell them that I don't owe the debt and requested proof but I didn't receive any. On XXXX XXXX XXXX I received a bunch of sheets from TeleCheck (. This was not proof but rather a " fill-in-the-blank '' document asking me to enter my personal details such as account number and routing, driver 's license number, XXXX and the like. The sheets included some scanned forms that didn't look genuine at all. I did not fill this form because I can not trust it and besides, there was no reference to the TRS debt collection. It just wanted my information. 

Again on XXXX XXXX XXXX, I received two new notices of debt of {$31.00} and {$38.00} from TRS with similar details as described above but not directly related to the previous notices ( as in no references to that ). I don't owe any such debt but they keep sending me debt collection notices. I haven't filled out the online form to notify them because I am skeptical now.

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 2024-09-29 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: GA

Complaint narrative:
I am writing to formally dispute and demand the immediate blocking of certain fraudulent information that is appearing on my consumer credit report. As per the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), I hereby request that you, the credit reporting agency, block the following fraudulent accounts and information from my credit report within four ( 4 ) business days of receiving this notice : An unsecured credit card at XXXX XXXX opened on XX/XX/XXXX with an account number of XXXX An unauthorized inquiry at XXXX on XX/XX/XXXX These items are the direct result of identity theft, and I have included the appropriate documentation as outlined by law, including a copy of my identity theft report, proof of my identity, and any other required evidence to validate my claim. Under FCRA 605B, you are required to take the following actions : 1. Block the reporting of the fraudulent information on my credit report within four ( 4 ) business days of receiving this dispute. 
2. Refrain from reinserting the fraudulent information on my credit report unless you receive further confirmation that it is accurate, which I contest that it is not. 
Failure to block these items, despite receiving the appropriate documentation and proof from me, will result in my pursuing legal action. If you do not comply with your legal obligations under the FCRA, I will work with my attorney to file a lawsuit against your bureau for failing to meet the guidelines outlined in 605B. This lawsuit may seek to recover any actual damages, statutory damages, punitive damages, attorney fees, and court costs incurred as a result of your noncompliance. 
I trust you will act in accordance with the law and remove the disputed items without further delay. Failure to comply within the legally required timeframe may result in escalation to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory authorities. 
Please confirm receipt of this letter and provide written acknowledgment that the disputed information has been blocked from my credit report within the timeframe outlined in FCRA 605B. 
Thank you for your immediate attention to this serious matter.

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 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-29 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: LA

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. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-29 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: Experian Information Solutions Inc.
State: LA

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. 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 2024-09-29 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: CL Holdings LLC
State: GA

Complaint narrative:
I am writing to formally dispute the inaccurate and illegal reporting of my credit information, as protected under 15 U.S.C. 1681 ( Fair Credit Reporting Act ). I have identified that the following items on my credit report are being furnished without my permission, in violation of the law : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX This account is being reported unlawfully as I did not provide permission for this information to be furnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 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: PA

Complaint narrative:
After reviewing my credit report I noticed that there is a U. S. Bankruptcy Court items listed on my credit reports.

Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.

The original creditor in this case would be the U.S. Bankruptcy Courts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 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: PA

Complaint narrative:
After reviewing my credit report I noticed that there is a U. S. Bankruptcy Court items listed on my credit reports.

Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.

The original creditor in this case would be the U.S. Bankruptcy Courts.

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 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The Phoenix Recovery Group
State: TX

Complaint narrative:
I ask this company to please send me validation and proof that this account belongs me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MS

Complaint narrative:
The Company Venmo Locked My Account With {$430.00} on it that I received from XXXX as a refund because I'm a student there. I've been trying to transfer my money from the account since XX/XX/year> and they will not let me and on XX/XX/year> they suspended my account saying that Im in violation of their user agreement. I'm trying to see how is that possible when all I've tried to do is withdraw my funds which they will not allow me to do. Customer service is very horrible and no help I've called them multiple times and can't get the answers I'm looking for. I need help!

Company response to consumer: Closed with explanation