vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-26 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: IL

Complaint narrative:
On XXXX I sent a letter stating that I looked over my credit report and found inaccurate and incorrect on my file held by Transunion. I sent a 1st round letter to request the validity of the XXXX XXXX bankruptcy as accurate. Transunion replied stating that the information was no accurate and verified by the US bankruptcy courts. I contacted the court, and their response was clear that they do not report to Transunion or any other data collection agencies. Therefore, the initial response verifying the item with the courts was either an error or a lie. 

I responded to this on XX/XX/year>. Stating again I found inaccurate and incorrect on my file held by Transunion. Also, that I contacted the court, and their response was clear that they do not report to Transunion or any other data collection agencies. Therefore, the initial response verifying the item with the courts was either an error or a lie. 

This assistance with breaking the laws by keeping an error on my credit report is unacceptable. According to the following : FCRA 611 ( 15 USC 1681I ).

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 2024-11-26 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 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: TX

Complaint narrative:
How 15 U.S.C. 1681 ( a ) Demonstrates the Unfairness of XXXXXXXX XXXX XXXX XXXX XXXX XXXX Late Payment Reporting The late payment reporting by XXXX XXXX XXXX XXXX XXXX to credit bureaus is fundamentally unfair under 15 U.S.C. 1681 ( a ), which establishes Congress 's findings about the importance of accuracy, fairness, and respect for consumer privacy in credit reporting. Here 's why : Inaccuracy and its Impact on the Banking System : Section 1681 ( a ) ( 1 ) highlights that the banking system relies on fair and accurate credit reporting. Reporting my payment as late when it was made in accordance with my obligations ( or disputable otherwise ) creates inaccuracies that not only harm me as a consumer but also erode trust in the banking system as a whole.

Unfair and Unjust Reporting Practices : Section 1681 ( a ) ( 4 ) mandates that consumer reporting agencies and their partners operate with fairness, impartiality, and a respect for consumers ' rights. XXXX XXXXXXXX XXXX XXXX XXXX XXXX decision to report the payment as latedespite applicable protections under the Truth in Lending Act ( 15 U.S.C. 1666b ) violates these principles. Such reporting undermines my right to privacy and fairness. 
Failure to Ensure Accuracy and Confidentiality : Section 1681 ( b ) states that credit reporting systems must meet the needs of commerce in a fair and equitable manner while upholding confidentiality and accuracy. XXXX XXXX XXXX XXXX XXXX XXXX actions in reporting this late payment contradict this requirement by creating an inaccurate record, which could result in undue harm to my creditworthiness and reputation. 
Violation of Payment Timing Protections ( 15 U.S.C. 1666b ) : According to 15 U.S.C. 1666b, a creditor can not mark a payment as late if it was received by 5 p.m. on the due date in the correct amount and format. If XXXXXXXX XXXX XXXX  XXXX XXXX reported my payment as late when it met these criteria, they directly violated this provision, further compounding the unfairness of the reporting. 
Request for Resolution To rectify this unfair and inaccurate reporting, I request that XXXXXXXX XXXX XXXX XXXX XXXX XXXX -Remove the late payment entry from my credit report immediately. 
-Notify all relevant credit reporting agencies of this correction to ensure that my credit report accurately reflects my payment history. 
-This action is necessary to restore fairness and accuracy to my credit report, as required under the Fair Credit Reporting Act and the Truth in Lending Act.

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 2024-11-26 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:
How 15 U.S.C. 1681 ( a ) Demonstrates the Unfairness of XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Late Payment Reporting The late payment reporting by XXXX XXXX XXXX XXXX XXXX to credit bureaus is fundamentally unfair under 15 U.S.C. 1681 ( a ), which establishes Congress 's findings about the importance of accuracy, fairness, and respect for consumer privacy in credit reporting. Here 's why : Inaccuracy and its Impact on the Banking System : Section 1681 ( a ) ( 1 ) highlights that the banking system relies on fair and accurate credit reporting. Reporting my payment as late when it was made in accordance with my obligations ( or disputable otherwise ) creates inaccuracies that not only harm me as a consumer but also erode trust in the banking system as a whole.

Unfair and Unjust Reporting Practices : Section 1681 ( a ) ( 4 ) mandates that consumer reporting agencies and their partners operate with fairness, impartiality, and a respect for consumers ' rights. XXXX XXXXXXXX XXXX XXXX XXXX XXXX decision to report the payment as latedespite applicable protections under the Truth in Lending Act ( 15 U.S.C. 1666b ) violates these principles. Such reporting undermines my right to privacy and fairness.

Failure to Ensure Accuracy and Confidentiality : Section 1681 ( b ) states that credit reporting systems must meet the needs of commerce in a fair and equitable manner while upholding confidentiality and accuracy. XXXX XXXXXXXX XXXX XXXX XXXX XXXX actions in reporting this late payment contradict this requirement by creating an inaccurate record, which could result in undue harm to my creditworthiness and reputation.

Violation of Payment Timing Protections ( 15 U.S.C. 1666b ) : According to 15 U.S.C. 1666b, a creditor can not mark a payment as late if it was received by XXXX on the due date in the correct amount and format. If XXXXXXXX XXXX XXXX XXXX XXXX reported my payment as late when it met these criteria, they directly violated this provision, further compounding the unfairness of the reporting. 
Request for Resolution To rectify this unfair and inaccurate reporting, I request that XXXXXXXX XXXX XXXX XXXX XXXX  XXXX -Remove the late payment entry from my credit report immediately. 
-Notify all relevant credit reporting agencies of this correction to ensure that my credit report accurately reflects my payment history. 
-This action is necessary to restore fairness and accuracy to my credit report, as required under the Fair Credit Reporting Act and the Truth in Lending Act.

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 2024-11-26 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: AZ

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT AND SOMEONE HAS BEEN USING MY PERSONAL INFORMATION TO OBTAIN SERVICES AND GOODS USING MY IDENTITY, THEY HAVE ALSO BEEN PUTTING FRAUDULANT INQUIRES ON 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 non-monetary relief
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

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 explanation
Consumer complaint received 2024-11-26 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:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiries 1. XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report XXXX, hoping that you make a better decision in my situation, thank 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 2024-11-26 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts XXXX. XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/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 Inquiries 1. XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report XXXX, hoping that you make a better decision in my situation, thank 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 2024-11-26 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: MI

Complaint narrative:
The following accounts are reporting erroneously on my credit and I suspect it's the product of identity theft, I disputed this once already the accounts are as follows : XXXXXXXX XXXX XXXX- {$890.00} XXXX XXXX XXXX {$700.00} XXXX XXXX {$700.00} XXXX XXXX- {$340.00} XXXXXXXX XXXX XXXXXXXX {$9700.00} XXXX and XXXX XXXX are reporting the same account. This should not be reporting twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
The following accounts are reporting erroneously on my credit and I suspect it's the product of identity theft, I disputed this once already the accounts are as follows : XXXXXXXX XXXX XXXX- {$890.00} XXXX XXXX XXXX {$700.00} XXXX XXXX {$700.00} XXXX XXXX- {$340.00} XXXXXXXX XXXX XXXX {$9700.00} XXXX and XXXX XXXX are reporting the same account. This should not be reporting twice.

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 2024-11-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MIDWEST RECEIVABLE SOLUTIONS LLC
State: IL

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX, which is reporting a collection account for XXXX XXXX with a balance of {$210.00} ( [ Account Number : XXXX ] ). I believe this debt is inaccurate and unverifiable. 

Details of the Dispute : Debt Validation : Despite my request under 15 U.S.C. 1692g ( FDCPA ), XXXX XXXX XXXX has failed to provide proper validation of the debt, including proof of the original creditor, payment history, and details of the debt. 
Violation of Consumer Laws : Under 15 U.S.C. 1692g, XXXX XXXX XXXX is required to validate the debt upon request. 
Reporting unverifiable debts violates 15 U.S.C. 1681e ( b ) of the FCRA, which requires maximum accuracy in credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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: MI

Complaint narrative:
On XX/XX/XXXX I received a determination of dispute. It was a violation. On XX/XX/XXXX I inquired on the Experian website and found the information was still being reported. I am Reporting a violation on my behalf of all reporting agencies on the Experian website. Including Experian.

I am Stating 15 USC 1681b PERMISSIBLE PURPOSE. I have previously tried to resolve the fraudulent identity theft with all the reporting agencies and the merchants. 
This is a final attempt to resolve. I would like this matter resolved permanently and immediately.

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 2024-11-26 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: CA

Complaint narrative:
I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXXXXXX

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 2024-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My latest credit report shows accounts I believe are incorrect. Please block and delete them.

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 2024-11-26 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: FL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 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: TX

Complaint narrative:
To Whom It May Concern, In accordance with the Fair Credit Reporting Act ( FCRA ), I am disputing the following accounts that appear on my credit report but do not belong to me. Please remove these accounts promptly : XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX These accounts are not mine, and I did not authorize their reporting. Reporting these accounts violates my rights under the following provisions of the FCRA : 15 U.S.C. 1681 Section 602 ( a ) : I have a right to privacy, which has been infringed upon by the reporting of unauthorized accounts.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) : Consumer reporting agencies can not furnish accounts without my explicit written instructions, which were not provided in these cases. 
I request that you investigate and remove these accounts from my credit report immediately. Please provide written confirmation of the actions taken regarding this matter. 

Thank you for your attention to this urgent matter. I look forward to your prompt response.

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