vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-06 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: FL

Complaint narrative:
XXXX XXXX XXXX Account number XXXX Account type XXXX Loan Responsibility Individual Date opened XX/XX/XXXX Status Open/Never late. 
Status updated XX/XX/XXXX Balance {$53000.00} Balance updated XX/XX/XXXX Recent payment {$1000.00} as of XX/XX/XXXX Monthly payment {$1000.00} Original balance {$73000.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experain, Transunion, and Equifax Request for Removal of Incorrect Information Based on Metro2 Standards Dear Sir/Madam, I am writing to formally dispute an account that is being incorrectly reported on my credit file in violation of Metro2 standards. The account in question is : Account Name : XXXX XXXX XXXX Account Number : XXXX Date of Report : XXXX and XXXX XXXX as well as payment history and amount off by a couple of dollars Upon reviewing my credit report, I believe that the information being reported is inaccurate or misleading due to [ explain the error in detailexamples could be : incorrect balance, wrong account status ( e.g., marked as delinquent when it was paid off ), or a payment history mistake ]. According to Metro2 standards, data furnishers must report accurate and complete information, and it appears that in this case, the reporting entity has failed to do so. 

Under the Metro2 guidelines, data reported to the credit bureaus must be accurate and properly reflect the true status of the account. This error is a violation of the Fair Credit Reporting Act ( FCRA ) and must be corrected or removed. 

I am requesting that this account be thoroughly investigated and removed from my credit report, or that the inaccurate information be corrected as required by Metro2 guidelines. 

For your reference, I have enclosed the following documentation to support my dispute : Please provide me with confirmation once this matter has been investigated and resolved. I expect to receive an update regarding this dispute within the statutory 30-day period. 

Thank you for your prompt attention to this matter. Should you need additional information, feel free to contact me. 

Sincerely, XXXX XXXX XX/XX/XXXX XXXX also inquiries Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX as well as correcting my information XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX XXXX That the only information that should be reporting on my credits bureaus Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: CA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-02-06 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: AR

Complaint narrative:
XXXX XXXX XXXX is reporting a collection account on my credit files. They stated this was opened on XXXX XXXX XXXX XXXX XXXX Its an account for XXXX. I have lived in XXXX, my life. I have also have had my phone service with XXXXXXXX XXXX  XXXX for almost XXXX yrs. This account is not mine, but they continue to report it. I have sent copies to XXXX  proving that I have never had service with 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 2025-02-06 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: WI

Complaint narrative:
False reporting, multiple doubles and incorrect numbers

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 2025-02-06 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: NY

Complaint narrative:
As I was going through my credit profile I noticed I had some inquiries that do not belong to me.

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 2025-02-06 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: VA

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2025-02-06 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: VA

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-02-06 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: GA

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-02-06 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: NJ

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer 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 2025-02-06 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: NJ

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer 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 2025-02-06 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: NJ

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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 discovered that a credit account is being reported inconsistently across the three major credit bureaus. For example, one bureau shows the account as Closed with the following delinquency information : 60 days late in XXXX, XXXX, and XXXX, and 90 days late in XXXX. Another bureau also lists the account as Closed. Still, it reports the account as 30 days late in XXXX, XXXX, and XXXX, 60 days late in XXXX, and even labels it as Repossession in XXXX. Meanwhile, a third bureau shows the account as Open with 30 days late in XXXX, XXXX, and XXXX. 
I have disputed these discrepancies multiple times, yet the inaccurate information remains on my credit report. According to federal guidelines under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( which requires a reasonable reinvestigation and deletion of any unverifiable or inaccurate information ) and Section 623 ( which mandates that furnishers report only accurate and verifiable information ), these inconsistencies are unacceptable. The persistent reporting of this account with conflicting data violates these guidelines, severely damaging my credit profile. 
I am seeking immediate resolution and permanent deletion of this inaccurate account from all 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 2025-02-06 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: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : XXXX XXXX - Account number - XXXX Account # : - XXXXXXXX XXXX  / Account # : - XXXX XXXX XXXX XXXX / Account # : - XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) - Account # : - XXXXXXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) / Account # : - XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) - Account # : - XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) / Account # : - XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) Account # : - XXXXXXXX XXXX XXXX XXXX XXXX U / Account # : - XXXX XXXX XXXX XXXX XXXX Account XXXX : - XXXX XXXX / Account # XXXX XXXX XXXX XXXX XXXX XXXX - Account number - XXXXXXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Account number - XXXX XXXX XXXX XXXX - Original creditor : XXXXXXXX XXXX XXXX Account number - XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681

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 2025-02-06 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: MD

Complaint narrative:
Received information from XXXXXXXX XXXXs and XXXX  stating that I allegedly owed them {$9200.00}. I sent a dispute letter on XX/XX/XXXX certified mail ( XXXX ) with a return receipt ( XXXX ). They sent back half of the information that I requested on XX/XX/XXXX most of which I already had from the original creditor themselves. Afterwards, I sent another letter on XX/XX/XXXX ( XXXX ) requesting the information that they failed to send when they sent back information that I already had. They failed to send me proof of chain of ownership of the alleged debt and proof of assignment from the original creditor. This company violated my rights willfully and knowingly dishonored my presentment/dispute. They neglected me. They furnished an alleged debt on my credit report without my permission which is a violation of 15 usc 1681e ( b ). They have also violated my rights in pursuant to 15 usc 1692g ( 2 ) by not providing proof that have a legal right to collect the alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: TX

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Used obscene, profane, or other abusive language
Company: SUNRISE CREDIT SERVICES, INC
State: PA

Complaint narrative:
On Tuesday XX/XX/XXXX, a Debt Collector named Sunshine Services sent me a text stating they are a debt collection agency. I went into their website and couldnt get any information. So I called them and the agent who called me stated I am on a recorded line. I also informed them they are also on a recorded line so staying on the call is consent to be recorded. They stated they were fine with that. They stated that I owed a debt to Spectrum and of course I had no idea about this debt so I denied the debt, they wanted to negotiate and I stated I need the debt to be validated. They stated they do not own the debt they are working for XXXX. She started to raise her voice and refusing to answer any of my questions. The call ended with Sunshine Services hanging up on me rudely with none of my questions answered nor did they validate or verify anything with me. After I have already explained to them that I would be dealing with directly they still sent the letter for trying to collect on this debt. After I was rudely hung up on XX/XX/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 2025-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FULTON FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/year>, contacted the Financial Institution using the phone number provided for small business banking. After spending a considerable amount of time on hold, I was informed by the agent that she was unable to close the account on her end. I mentioned that I would mail a letter confirming my request to close the account. The letter was mailed on XX/XX/year>. On XX/XX/year>, I received a call from someone at a local branch stating the letter needed to be notarized, to which I terminated the call. There are no funds remaining in the account, so this is a very simple closure, yet made complicated by a third-rate bank, which sent every one of it's customer 's ( probably very few at this point ) incorrect 1099 interest forms.

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 2025-02-06 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: IN

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : XXXX XXXX  XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: DISCOVER BANK
State: MI

Complaint narrative:
On several occasions, starting on XX/XX/year>, I have written to Discover Financial Svcs requesting why they have inserted an account on to my credit bureau report that does not belong to me.

Discover Financial Svcs Acct # XXXX Alleged Amount {$1200.00} A fair resolution would be to have them remove this false and misleading information from my XXXX, XXXX, and XXXX credit bureau reports.

Company response to consumer: Closed with explanation