vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-11 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: CA

Complaint narrative:
I am writing to formally address the presence of inaccurate information on my credit report. Upon reviewing my credit report, I observed that these accounts are inaccurately reflected, causing undue harm to my credit profile. After engaging directly with the respective companies, it was confirmed that the inaccuracies originated from a miscommunication stemming from their internal errors. Specifically : Account statements were sent to the wrong address, resulting in delays and confusion about the accounts statuses. 
The companies have recognized and rectified the address discrepancies within their systems. 
Both companies have assured me that the accounts should correctly display as either open/never late based on their verified payment histories and statuses. 
I respectfully request that Experian rectify these inaccuracies by : 1. Removing any erroneous late payment entries associated with these accounts.

2. Updating the account statuses to reflect the accurate information as confirmed by the respective companies. 
This correspondence serves as a formal dispute under the provisions of the Fair Credit Reporting Act ( FCRA ). I request that you initiate a thorough investigation and ensure that the necessary corrections are implemented within the statutory time frame. 

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 2024-12-11 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: NC

Complaint narrative:
I would like to dispute these inaccurate accounts on my credit report. 

XXXX : XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX : XXXX XXXX  Date of inquiry : XX/XX/2024 XXXX XXXX  Date of inquiry : XX/XX/2024 XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX TransUnion : XXXX Account Number : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  Account 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 2024-12-11 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: NC

Complaint narrative:
I would like to dispute these inaccurate accounts on my credit report. 

XXXX : XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX Experian : XXXX XXXX  Date of inquiry : XX/XX/year> XXXX XXXX  Date of inquiry : XX/XX/year> XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX : XXXX Account Number : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  Account 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 explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: OH

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 2024-12-11 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: OH

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 explanation
Consumer complaint received 2024-12-11 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: WA

Complaint narrative:
I reviewed my credit report on XX/XX/year>, and realized that there is a medical collections bill reflecting on my credit report. 

I am writing to formally submit a complaint against the collection agency XXXX XXXX XXXX for reporting a medical bill on my collections report. I believe this reporting constitutes a violation of the Health Insurance Portability and Accountability Act ( HIPAA ) and infringes upon my privacy rights. 

Under HIPAA, medical information must be kept confidential and can not be disclosed without my explicit consent. The reporting of this medical debt not only adversely affects my credit report but also exposes sensitive health information, which is against HIPAA regulations. This situation raises serious concerns about the handling of my medical data and my rights as a consumer. 

I request that the CFPB investigate this matter and take appropriate action against the collection agency for their apparent disregard of HIPAA laws. Thank you for your attention to this urgent issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: AR

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2024-12-11 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:
Fraud & Identity Theft.

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), the TransUnion, XXXX, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of TransUnions, XXXX, & XXXX agency submitting inaccurate information ( file attached that was sent to them ) I've attached a lists of the late payments in question. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, negative accounts, and late payments appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, negative accounts, and late payments are the result of identity theft and fraud.

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 2024-12-11 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: NC

Complaint narrative:
Fraud & Identity Theft.

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), the XXXX, XXXX, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX, XXXX, & Equifax agency submitting inaccurate information ( file attached that was sent to them ) I've attached a lists of the late payments in question. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, negative accounts, and late payments appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, negative accounts, and late payments are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: IL

Complaint narrative:
In accordance with the Fair CreditReporting Act CONTRACT CALLERS, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a acdount without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX To Whom This May Concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency.

Thave never been notified of this collection action or that I owed the debt.

This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together.

Please attach copies of the following documents : * Agreement that you have authority to collect on this alleged debt.

* Agreement that bears signature of the alleged debtor with promises to pay the original creditor.

* Complete payment history on this account, to prove that the amount you wish to collect is correct.

I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company. 
Sincerely XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 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: Chime Financial Inc
State: IL

Complaint narrative:
I have an account from chime-stride bank that isn't in my name and it's fraud I want it off. Everyone says it's mine but it's not. On chime website I can login and see another address and phone number for this account that isn't mine. Chime chose to ignore me and not help me I wont be paying debt on money that isn't mine. XXXX on debt is not my debt it's fraud from someone else using my name.on a credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: MA

Complaint narrative:
**Subject : ** Complaint Regarding Inaccurate Late Payment Reporting by Equifax - **Name : XXXX XXXX XXXX XXXX XXXX - **Credit Reporting Agency Involved : ** Equifax - **Creditor Reporting Late Payments : ** XXXX XXXX XXXX - **Account Number : ** XXXX -- - This complaint addresses Equifaxs inaccurate reporting of late payments for the months of XXXX XXXX, XXXX XXXX, and XXXX XXXX under my XXXX XXXX  XXXX account ( XXXX ). ** Despite the fact that I made these payments on time, Equifax continues to report them as 30 days late. These inaccurate entries have negatively affected my credit score and caused

undue financial stress. -- - # # # Violations of the Fair Credit Reporting Act ( FCRA ) : 1. **Failure to Ensure Maximum Possible Accuracy ( 15 U.S. Code 1681e ( b ) ) : ** Equifax has a legal obligation to ensure the maximum possible accuracy of the information it reports. These inaccurate late payments violate this obligation. 2. **Failure to Conduct a Reasonable Reinvestigation ( 15 U.S. Code 1681i ) : ** Under the FCRA , Equifax must conduct a thorough reinvestigation of disputed information. Failure to reverse these inaccurate late payments demonstrates noncompliance. Requested Resolution : I am requesting the CFPBs assistance to ensure the following actions are taken : 1. **Reverse the Late Payment Marks : ** The late payment entries for XXXX XXXX, XXXX XXXX, and XXXX XXXX must be reversed and corrected to reflect on-time payments.

2. **Provide Verification or Documentation : ** If Equifax continues to assert the validity of these late payments, they must provide detailed documentation, including : - Billing records for the disputed months.

- Proof that delinquency notices were sent to me.

- Evidence showing that payments were not made within the agreed-upon terms.

3. **Update My Credit Report : ** Ensure my credit report accurately reflects that payments were made on time.

-- - # # # Supporting Documents Enclosed : - Payment confirmations for XXXX, XXXX, and XX/XX/year>. 
- Bank statements showing timely payments. 
- Credit report comparisons highlighting discrepancies between XXXX, XXXX, and Equifax. 

-- - # # # Escalation of Complaint : Failure to resolve this issue and reverse the inaccurate late payments will leave me with no choice but to pursue further legal recourse and file additional complaints with regulatory agencies.

Thank you for your immediate attention to this matter. 

**Sincerely, ** XXXX XXXX XXXX XXXX -- - Let me know if you need additional edits or more information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 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: MA

Complaint narrative:
**Subject : ** Complaint Regarding Inaccurate Late Payment Reporting by Equifax - **Name : ** XXXX XXXX XXXX XXXX XXXX **Credit Reporting Agency Involved : ** Equifax - **Creditor Reporting Late Payments : ** XXXX XXXX XXXX - **Account Number : ** XXXX -- - This complaint addresses Equifaxs inaccurate reporting of late payments for the months of XXXX XXXX, XXXX XXXX, and XXXX XXXX under my XXXX XXXX  XXXX account ( XXXX ). ** Despite the fact that I made these payments on time, Equifax continues to report them as 30 days late. These inaccurate entries have negatively affected my credit score and caused undue financial stress.

-- - # # # Violations of the Fair Credit Reporting Act ( FCRA ) : 1. **Failure to Ensure Maximum Possible Accuracy ( 15 U.S. Code 1681e ( b ) ) : ** Equifax has a legal obligation to ensure the maximum possible accuracy of the information it reports. These inaccurate late payments violate this obligation.

2. **Failure to Conduct a Reasonable Reinvestigation ( 15 U.S. Code 1681i ) : ** Under the FCRA , Equifax must conduct a thorough reinvestigation of disputed information. Failure to reverse these inaccurate late payments demonstrates noncompliance.

Requested Resolution : I am requesting the CFPBs assistance to ensure the following actions are taken : 1. **Reverse the Late Payment Marks : ** The late payment entries for XXXX XXXX, XXXX XXXX, and XXXX XXXX must be reversed and corrected to reflect on-time payments. 

2. **Provide Verification or Documentation : ** If Equifax continues to assert the validity of these late payments, they must provide detailed documentation, including : - Billing records for the disputed months.

- Proof that delinquency notices were sent to me.

- Evidence showing that payments were not made within the agreed-upon terms.

3. **Update My Credit Report : ** Ensure my credit report accurately reflects that payments were made on time.

-- - # # # Supporting Documents Enclosed : - Payment confirmations for XXXX, XXXX, and XX/XX/year>. 
- Bank statements showing timely payments. 
- Credit report comparisons highlighting discrepancies between XXXX, XXXX, and Equifax.

-- - # # # Escalation of Complaint : Failure to resolve this issue and reverse the inaccurate late payments will leave me with no choice but to pursue further legal recourse and file additional complaints with regulatory agencies.

Thank you for your immediate attention to this matter. 

**Sincerely, ** XXXX XXXX XXXX XXXX XXXX XXXX Let me know if you need additional edits or more information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED XXXX XXXX XXXX XXXX BALANCED {$430.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX BALANCED {$240.00} XXXX XXXX XXXX XXXX BALANCED {$640.00} XXXX XXXX - XX/XX/2024 XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief