vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-28 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:
NOTICE TOAGENT IS NOTICE TO PRINCIPLE NOTICE TO PRINCIPLE IS NOTICE TO AGENT I am writing to formally dispute the information you have reported on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration proceedings provided by ADR.ORG. 

I am fully aware of the financial implications associated with initiating arbitration proceedings, I am offering you a one-time opportunity to settle. You can compensate me with {$6000.00} for the XXXX XXXX XXXX XXXX XXXX, and financial hardship this inaccurate reporting has caused me. Additionally, you must delete the disputed trade-in from all reporting agencies. 

Here is a breakdown of the costs you will incur if this matter proceeds to arbitration : - Filing fee for both parties- Arbitration initiation fee- Arbitration deposit - Legal costs incurred throughout the arbitration process According to ADR.org, these costs will be covered by you, and they can amount to tens of thousands of dollars. Therefore, it is in your best interest to settle this dispute amicably. 

I also demand that you cease and desist all illegal activities related to this matter, including any form of communication other than through mail. As per 15 USC 1692c ( c ), you are prohibited from contacting me via any other means once you receive this notice. This statute states : " 15 USC 1692c ( c ) - If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. '' Please respond to this letter within 15 days to confirm the removal of the disputed trade line and your agreement to compensate me for the damages incurred. Failure to respond will result in the initiation of arbitration proceedings, which will be significantly more costly for your company. 

Please send all correspondence related to this matter to the address listed above.

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 2024-06-28 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:
NOTICE TOAGENT IS NOTICE TO PRINCIPLE NOTICE TO PRINCIPLE IS NOTICE TO AGENT I am writing to formally dispute the information you have reported on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration proceedings provided by ADR.ORG.

I am fully aware of the financial implications associated with initiating arbitration proceedings, I am offering you a one-time opportunity to settle. You can compensate me with {$6000.00} for the mental distress, anxiety, emotional distress, and financial hardship this inaccurate reporting has caused me. Additionally, you must delete the disputed trade-in from all reporting agencies.

Here is a breakdown of the costs you will incur if this matter proceeds to arbitration : - Filing fee for both parties- Arbitration initiation fee- Arbitration deposit - Legal costs incurred throughout the arbitration process According to ADR.org, these costs will be covered by you, and they can amount to tens of thousands of dollars. Therefore, it is in your best interest to settle this dispute amicably.

I also demand that you cease and desist all illegal activities related to this matter, including any form of communication other than through mail. As per 15 USC 1692c ( c ), you are prohibited from contacting me via any other means once you receive this notice. This statute states : " 15 USC 1692c ( c ) - If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. '' Please respond to this letter within 15 days to confirm the removal of the disputed trade line and your agreement to compensate me for the damages incurred. Failure to respond will result in the initiation of arbitration proceedings, which will be significantly more costly for your company.

Please send all correspondence related to this matter to the address listed above.

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 2024-06-28 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM 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
Consumer complaint received 2024-06-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
This account is misleading.. false reporting, I have sent two rounds of disputes ( XXXX XXXX, & XXXX ). The date open & reported is incorrect as well as the date of last activity. My credit report contains inaccurate information, and I am seeking litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: RNN Group, Inc
State: MO

Complaint narrative:
RNN Group LLC called my employer to verify my employment. I have not applied to anything recently to warrant an employer verification, nor have I given any agency or business permission to verify my employment. I called RNN Group to find out why they were calling and they asked me for the last four of my social security number. Then they told me that they called my employer by mistake and that they had the wrong name. Seems like a lie and seems like either a scam or they are violating collection rights. I dont have any bad debts that Im aware of to collect on so I have no idea why they are calling. They would not tel me why.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 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: FL

Complaint narrative:
According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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

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 2024-06-28 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: GA

Complaint narrative:
I am writing to file a formal complaint against Credit Bureaus regarding their persistent failure to correct inaccurate information on my credit report. Despite my repeated attempts to resolve these issues over the past several months, totaling many separate requests, the credit bureaus has not taken the necessary actions to correct the late open accounts and remove the charge-off entries. Despite providing evidence that these accounts were not opened late, they remain incorrectly reported on my credit report. These entries are inaccurate and should have been removed after my initial dispute. However, they persist on my credit report, negatively impacting my credit score and financial standing. Despite my efforts, the credit bureaus has failed to correct the inaccuracies or provide a satisfactory explanation for their refusal to do so. I respectfully request for your intervention to ensure that the credit bureau/institution complies with the Fair Credit Reporting Act ( FCRA ) by accurately reporting my credit information. With this, I am asking for your assistance to correct the late open accounts and remove the charge off from my credit file : XXXX. XXXX XXXX Balance Owed : {$4000.00} Please check the Payment History and Status information on this account and adjust accordingly. 
XXXX. XXXX XXXX Balance Owed : {$0.00} I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item 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 2024-06-28 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: MD

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM EQUIFAX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-28 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: Spring Oaks Capital, LLC
State: OK

Complaint narrative:
In accordance with the fair Credit Reporting Act, Spring Oaks Capital LLC, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 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: MO

Complaint narrative:
In XX/XX/2024, I received letter in the mail from my bank regarding unauthorized transactions that were not commenced by me. I noticed inquires and a credit card account that had been sitting on my credit reports for a while. I found out immediately after being notified ad calling the companies connected to the accounts, and they confirmed that it was by a person I was previously dating. I called him and he admitted to the fault with ambiguity, vagueness, and lack of conviction. His actions have damaged my consumer reports by lowering my credit scores, causing credit accounts I've had with other creditors to be closed, and causing my credit limits with other credit card accounts to be cut and lowered by maxing out my accounts. I demand that the unauthorized accounts and inquiries being reported be block and removed immediately in accordance with section 605B ( 15 USC 1681 c-2 ) of the Fair Credit Reporting 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 2024-06-28 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:
Despite multiple attempts to resolve these errors directly with your bureau, these fraudulent items continue to appear, severely impacting my financial standing and credibility. The fraudulent items in question are not only incorrect but have been on my credit report for an extended period. I have provided substantial documentation and evidence proving the fraudulent nature of these items, yet they remain uncorrected. This ongoing issue is causing me significant stress, inconvenience, and potential financial harm. Furthermore, I am seeking the assistance of from you to ensure that this matter is handled appropriately and expeditiously. The presence of these inaccuracies on my credit report has significantly impacted my ability to access credit, secure favorable loan terms, and pursue other financial opportunities essential for my financial stability. I urge you to prioritize this matter and take all necessary measures to ensure the prompt removal of the fraudulent items from my credit report. If this issue failed to addressed satisfactorily may compel me to seek legal actions gainst them. The following items should be remove as soon as possible 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-28 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: CT

Complaint narrative:
Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, account which were involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. Thos account need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 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: GA

Complaint narrative:
Experian is reporting an allege late payment for the account listed as XXXX XXXXXXXX Account # XXXX XXXX they have validated that this information is accurate. Experian has no access to my private financial history so reporting this late payment is violation of my federal protected consumer rights.

( 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.

( b ) Grace period If an open end consumer cr
edit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

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 2024-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Despite multiple attempts to resolve these errors directly with your bureau, these fraudulent items continue to appear, severely impacting my financial standing and credibility. The fraudulent items in question are not only incorrect but have been on my credit report for an extended period. I have provided substantial documentation and evidence proving the fraudulent nature of these items, yet they remain uncorrected. This ongoing issue is causing me significant stress, inconvenience, and potential financial harm. Furthermore, I am seeking the assistance of from you to ensure that this matter is handled appropriately and expeditiously. The presence of these inaccuracies on my credit report has significantly impacted my ability to access credit, secure favorable loan terms, and pursue other financial opportunities essential for my financial stability. I urge you to prioritize this matter and take all necessary measures to ensure the prompt removal of the fraudulent items from my credit report. If this issue failed to addressed satisfactorily may compel me to seek legal actions gainst them. The following items should be remove as soon as possible 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-28 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:
Despite multiple attempts to resolve these errors directly with your bureau, these fraudulent items continue to appear, severely impacting my financial standing and credibility. The fraudulent items in question are not only incorrect but have been on my credit report for an extended period. I have provided substantial documentation and evidence proving the fraudulent nature of these items, yet they remain uncorrected. This ongoing issue is causing me significant stress, inconvenience, and potential financial harm. Furthermore, I am seeking the assistance of from you to ensure that this matter is handled appropriately and expeditiously. The presence of these inaccuracies on my credit report has significantly impacted my ability to access credit, secure favorable loan terms, and pursue other financial opportunities essential for my financial stability. I urge you to prioritize this matter and take all necessary measures to ensure the prompt removal of the fraudulent items from my credit report. If this issue failed to addressed satisfactorily may compel me to seek legal actions gainst them. The following items should be remove as soon as possible 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 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 2024-06-28 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: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
DEAR MIDLAND CREDIT MANAGMENT, According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief