vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-20 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: AZ

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: AZ

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I deny any association with these creditors, and I did not initiate this inquiry. Please remove it from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 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: VA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), if a credit bureau can not verify information with the original creditor, they are required to delete that information from the consumer 's credit report ; this principle is generally understood as part of Section 604 ( a ) of the FCRA, which mandates that credit bureaus must remove inaccurate, incomplete, or unverifiable information upon dispute from a consumer. I have spoke with the bankruptcy courts and they confirmed that they have not or will never share information with credit bureaus or third parties. Equifax, XXXX and XXXX need to delete this information off my credit report. It has been more then 30 days since my last filed dispute.

By Law FCRA Bankruptcy 15 us code 1681A2b By law 15 us code 1681A2bXX/XX/XXXX loans. 
I have disputed this information with all 3 credit bureaus 3 times and they are refusing to follow the law of FCRA. I have no other choice but to file a civil lawsuit because of these bureaus violating my consumer rights. It has been more then 30 days for all companies to do whats right by consumers. They have failed to do this. I will be filing civil lawsuits against the companies.

According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove these negative items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: FL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 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: AZ

Complaint narrative:
There are inaccurate charge-offs reporting on my credit report, which I believe is misleading and misrepresents the nature of the debt in question. The entry reported as a charge-off is, in fact, a cancellation of debt that has been processed with the IRS. I have received a Certificate of Indebtness from the creditor, confirming that the debt has been officially canceled. As per IRS guidelines, this cancellation of debt is considered taxable income, not an unpaid debt. According to the Fair Credit Reporting Act ( FCRA ), only accurate and complete information should be reported on a consumer 's credit report. Since this charge-off represents a cancellation of debt and not an outstanding obligation, it should not be classified as a charge-off. Reporting it as such is inaccurate and has lead to mis information to potential creditors about my creditworthiness. i received from the company a 1099c canceled debt. i have also opt out with the companies as well in written, unwritten, verbal, and nonverbal authorizations they have been opted out. The Credit bureaus have been Violating the Fair Credit Reporting Act ( FCRA ) definition of accuracy under Section 1681e ( b ) requires a focus on objectively and readily verifiable information, which may require consumer reporting agencies to accurately report information derived from the readily verifiable and straightforward application of law to facts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: AZ

Complaint narrative:
There are inaccurate charge-offs reporting on my credit report, which I believe is misleading and misrepresents the nature of the debt in question. The entry reported as a charge-off is, in fact, a cancellation of debt that has been processed with the IRS. I have received a Certificate of Indebtness from the creditor, confirming that the debt has been officially canceled. As per IRS guidelines, this cancellation of debt is considered taxable income, not an unpaid debt. According to the Fair Credit Reporting Act ( FCRA ), only accurate and complete information should be reported on a consumer 's credit report. Since this charge-off represents a cancellation of debt and not an outstanding obligation, it should not be classified as a charge-off. Reporting it as such is inaccurate and has lead to mis information to potential creditors about my creditworthiness. i received from the company a 1099c canceled debt. i have also opt out with the companies as well in written, unwritten, verbal, and nonverbal authorizations they have been opted out. The Credit bureaus have been Violating the Fair Credit Reporting Act ( FCRA ) definition of accuracy under Section 1681e ( b ) requires a focus on objectively and readily verifiable information, which may require consumer reporting agencies to accurately report information derived from the readily verifiable and straightforward application of law to facts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: AZ

Complaint narrative:
There are inaccurate charge-offs reporting on my credit report, which I believe is misleading and misrepresents the nature of the debt in question. The entry reported as a charge-off is, in fact, a cancellation of debt that has been processed with the IRS. I have received a Certificate of Indebtness from the creditor, confirming that the debt has been officially canceled. As per IRS guidelines, this cancellation of debt is considered taxable income, not an unpaid debt. According to the Fair Credit Reporting Act ( FCRA ), only accurate and complete information should be reported on a consumer 's credit report. Since this charge-off represents a cancellation of debt and not an outstanding obligation, it should not be classified as a charge-off. Reporting it as such is inaccurate and has lead to mis information to potential creditors about my creditworthiness. i received from the company a 1099c canceled debt. i have also opt out with the companies as well in written, unwritten, verbal, and nonverbal authorizations they have been opted out. The Credit bureaus have been Violating the Fair Credit Reporting Act ( FCRA ) definition of accuracy under Section 1681e ( b ) requires a focus on objectively and readily verifiable information, which may require consumer reporting agencies to accurately report information derived from the readily verifiable and straightforward application of law to facts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ID Analytics, Inc.

Complaint narrative:
As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : LATE PAYMENT XXXX XXXX XX/XX/XXXX {$3100.00} Credit Card XXXX XXXX XX/XX/XXXX {$0.00} Charge account XXXX XXXX XXXX XX/XX/XXXX {$2800.00} Credit Card XXXX XXXX XX/XX/XXXX {$480.00} Credit Card XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$20000.00} Auto Loan COLLECTION/CHARGE ACCOUNT XXXX XXXX XXXX XX/XX/XXXX {$1500.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$680.00} Individual XXXX XXXX XXXX XXXXXX/XX/XXXX {$1200.00} Credit Card XXXX XXXX XXXXXX/XX/XXXX {$1000.00} Credit Card XXXX XXXX XX/XX/XXXX {$1300.00} Credit Card XXXX XXXX XXXXXXXX XX/XX/XXXX {$2100.00} Credit Card XXXX XXXX XXXX XX/XX/XXXX {$6800.00} Credit Card Inquiries XXXXXXXX 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 explanation
Consumer complaint received 2024-11-20 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:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: KS

Complaint narrative:
Someone used my information to open accounts and some inquiries that I had no knowledge about XXXX XXXX bank opened XXXX XXXX {$3000.00} XXXX XXXX opened XX/XX/year> {$2300.00} XXXX XXXX opened XX/XX/year> {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/year> {$0.00} XXXX bank XXXX XXXX XXXX {$0.00} XXXX XXXX bank opened XXXX XXXX {$0.00} XXXX XXXX bank opened XXXX XXXX {$0.00} XXXX XXXX XXXX opened XX/XX/year> {$12.00} Inquiries XXXX  XX/XX/year> Cap XXXX via dealer XX/XX/year> XXXX XXXX via dealer XX/XX/year> XXXX XXXX via dealer XX/XX/year> XXXX  XXXX via dealer XX/XX/year> XXXXp XXXX via dealer XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX {$43000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 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:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 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: GA

Complaint narrative:
Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of XXXX XXXX. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after XXXX written requests demonstrates a willful disregard of 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 2024-11-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
Dispute Regarding Unauthorized Collection Account XXXX XXXX I am filing this dispute regarding an unauthorized collection account reported by XXXX XXXX associated with Account No. XXXX 

- I have no agreement or contractual obligation with XXXX XXXX to validate this debt. 
- No verification or documentation has been provided to substantiate the legitimacy of this account, violating the FDCPA, 15 U.S.C. 1692g ( b ). 
- Their access and use of my personal information are unauthorized, violating 15 U.S.C. 1681b. 
- XXXX this unverifiable account breaches the FCRA, 15 U.S.C. 1681e ( b ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 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 am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate. 

.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: VA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), if a credit bureau can not verify information with the original creditor, they are required to delete that information from the consumer 's credit report ; this principle is generally understood as part of Section XXXX ( a ) of the FCRA, which mandates that credit bureaus must remove inaccurate, incomplete, or unverifiable information upon dispute from a consumer. I have spoke with the bankruptcy courts and they confirmed that they have not or will never share information with credit bureaus or third parties. XXXX, XXXX and TransUnion XXXX XXXX XXXX this information off my credit report. It has been more then XXXX  days since my last filed dispute. 
By XXXX FCRA Bankruptcy 15 us code 1681A2b By law 15 us code 1681A2b XXXX loans. 
I have disputed this information with all XXXX credit bureaus XXXX  times and they are refusing to follow the law of FCRA. I have no other choice but to file a civil lawsuit because of these bureaus violating my consumer rights. It has been more then XXXX days for all companies to do whats right by consumers. They have failed to do this. I will be filing civil lawsuits against the companies. 
According to the Fair Credit Reporting Act ( FCRA ) Section XXXX. It is illegal to report information on my credit report without my permission. Please remove these negative items from my 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 explanation
Consumer complaint received 2024-11-20 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: VA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), if a credit bureau can not verify information with the original creditor, they are required to delete that information from the consumer 's credit report ; this principle is generally understood as part of Section XXXX ( a ) of the FCRA, which mandates that credit bureaus must remove inaccurate, incomplete, or unverifiable information upon dispute from a consumer. I have spoke with the bankruptcy courts and they confirmed that they have not or will never share information with credit bureaus or third parties. XXXX, Experian and XXXX need to delete this information off my credit report. It has been more then XXXX days since my last filed dispute. 
By XXXX FCRA Bankruptcy 15 us code 1681A2b By law 15 us code 1681A2b XXXX loans. 
I have disputed this information with all XXXX credit bureaus XXXX  times and they are refusing to follow the law of FCRA. I have no other choice but to file a civil lawsuit because of these bureaus violating my consumer rights. It has been more then XXXX  days for all companies to do whats right by consumers. They have failed to do this. I will be filing civil lawsuits against the companies. 
According to the Fair Credit Reporting Act ( FCRA ) Section XXXX. It is illegal to report information on my credit report without my permission. Please remove these negative items from my 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 explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
These account was not authorized by me. I am a victim of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 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: AR

Complaint narrative:
After submitting a complaint on Experian on XX/XX/year>. Experian updated their website without a proper investigation that the items that I requested to be removed from my credit report was accurate and that each item will remain on the credit report. Update was submitted on XX/XX/XXXXXXXX XXXX XXXX XXXX on Experian website. Experian has 10 days to have my credit report update correctly and verified documents from each source. If Experian can not provide me with the information that I have requested to be investigated and removed. I will presume legal action with demand of monetary form Experian.

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