vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-09 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: PA

Complaint narrative:
Dear TransUnion, I am writing to formally dispute inaccuracies in my credit report regarding my account with XXXX XXXXXXXX XXXX, referenced above. 

Account Details : Account Number : XXXX Date Opened : XX/XX/XXXX Status : Reported as Charge-Off Original Charge-Off Amount : {$530.00} Date Closed : XX/XX/XXXX Date Paid : XX/XX/XXXX Balance : {$0.00} Discrepancies : Charge-Off Status : The account is indicated as Charge-Off despite being paid in full on XX/XX/XXXX. The remarks state that it was Paid in Full/ Was a Charge-Off, which is conflicting. A charge-off should not be reported once the account is settled in full, and it should be updated to reflect this status accurately. 

Payment History : There is no payment history provided from the time the account was opened until the payment made in XX/XX/XXXX. This lack of documentation raises concerns regarding the accuracy of the account 's payment history. 

Inconsistent Reporting : The balance is listed as {$0.00}, yet the charge-off status remains on the report, which can be misleading to potential creditors. 

Remarks : The remarks state Settled - Less than Full Balance, yet I have paid the account in full. This creates confusion and inaccurately reflects my credit history.

Request for Removal of account from my credit profile : Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. I kindly ask that you investigate these discrepancies and remove the reporting for this account. Please provide documentation used to verify the accuracy of this account if it is deemed correct.

Thank you for your attention to this matter. I look forward to your prompt investigation and resolution. Please respond within the 30-day period as required by 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 2024-10-09 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: IL

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Please investigate and provide Proof with statements showing that these payments were late. If proof can XXXX XXXX XXXX ; t be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

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 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me 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 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me 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 2024-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AUSSRQ Holdings, LLC
State: OH

Complaint narrative:
I requested a letter of validation on XX/XX/XXXX from a woman at Oliphant USA after reviewing my credit report. She just said she would let the company know and hung up. I then called back on XX/XX/XXXX because I received a letter stating to pay the debt or call or write a letter dispute the debt by XX/XX/XXXX. I called and spoke to gentleman and requested a letter of validation, a signed copy of my signature on the contract of the debt, a copy of an agreement of when the debt was sold and all the gentleman said was that I needed to contact the post office because they sent several letters. The first time speaking to this company was XX/XX/XXXX and I never received any communication from them before that date. After I requested the documents again from this gentleman, he stated that I wasnt letting him talk and he hung up the phone. This is a tactic to prevent the company from sending the necessary documents to prevent me from disputing the debt and getting the information of the original creditor within the allotted time. It is my right to get this information to verify if this is truly my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 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: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Complaint Against Midland Credit Management and XXXX XXXX XXXX XXXX XXXX, XXXX Dear CFPB Representative, I am writing to file a formal complaint against Midland Credit Management and its legal representatives, XXXX XXXX XXXX XXXX XXXX, XXXX, for violations of the Fair Debt Collection Practices Act ( FDCPA ). 

Specifically, I believe the following violations have occurred : - Improper credit reporting regarding a debt that was discharged in [ year ] and is still being pursued. 
- Harassment and unfair debt collection practices, including sending letters that misrepresent the debt amount and refusing to provide requested documentation. 

I have attached all relevant documentation, including letters, credit reports, and legal correspondence. I request a full investigation into these practices and ask that all improper collections activities cease immediately. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 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: MO

Complaint narrative:
I am writing to dispute the following information that appears on my Transunion report from XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

XXXX XXXX Has also has violated my rights. 

I've also looked at my credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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 inaccurate. 

Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance Sincerely, 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 2024-10-09 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: CA

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
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 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/year>

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 2024-10-09 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: NY

Complaint narrative:
I am disputing the inclusion of incorrect personal information on my credit report. The following details are not related to me, and I have no connection to them. I kindly request that this information be promptly removed from my credit report. 
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 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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 XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-10-09 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from Experian, XXXX and XXXX. 

Please delete the following accounts : 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 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 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
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 XXXX and 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 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NRA Group, LLC
State: TX

Complaint narrative:
This debt appeared recently on my credit report via experion. It claimed that I had incurred a debt with a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I started on Medicare and qualified for Medicaid QMB, so I have probably the best insurance availble and I have zero copays and zero deductibles, so if I'd had any medical issues in XXXX, they would have been covered. When I looked up the creditor contact information on the XXXX website, it gave : Phone number : ( XXXX ) XXXXXXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX When I called I discovered that the debt was actually incurred in XXXX XXXX XXXX years ago. In Texas, where I reside and where the debt was incurred, the limit is 4 years for legal action and 7 years for a negative debt to appear on your credit report, but this company states that the incident happened in XXXX so they are intentionally misrepresenting the date of the debt so that they can negatively impact my credit. 
I know this is a common practice where creditors still report time-barred debts to credit bureaus hoping that the debtor will pay to stop the debt from negatively impacting their credit, but they have exceeded the allowable limit of 7 years for even this shady practice, and should not be allowed to continue.

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 2024-10-09 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: NY

Complaint narrative:
I am disputing the inclusion of incorrect personal information on my credit report. The following details are not related to me, and I have no connection to them. I kindly request that this information be promptly removed from my credit report. 
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 2024-10-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I received an email from both XXXX XXXX and XXXX XXXX XXXX, alerting me to a new hard inquiry from Capital One. I called Capital One and was told no applications were approved and to call back tomorrow to XXXX, to see if an application was not approved. I advised the agent that I did not make this request and this was a fraudulent application. He told me he was unable to assist me and I would have to wait. I froze My 3 credit reports, made a report to the FTC, did an online dispute with XXXX. I will Have to call the other XXXX companies once they are open and I intend to do so, to inform them of the fraudulent application.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 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:
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 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 2024-10-09 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: OK

Complaint narrative:
This morning, I was shocked to see inaccurate accounts on my credit report, and I have no idea how they got there. I check my report regularly, but this time there were errors that appeared out of nowhere. I even refreshed my browser, hoping it was just a glitch, but the mistakes stayed. I'm really concerned about this and need the documents I've sent to be checked thoroughly so I can stop worrying about it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 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: OK

Complaint narrative:
Upon checking my credit report today, I was shocked to find unauthorized inquiries, which have left me confused. Normally, everything is fine, but this time, out of nowhere, discrepancies appeared. Refreshing my browser didnt fix it, so I need the documents I've sent to be reviewed urgently. I'm really frustrated and want this dealt with immediately so I can stop worrying.

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 2024-10-09 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: OK

Complaint narrative:
To my shock, I found inaccurate accounts on my credit report today, and Im clueless as to why this is happening. I routinely check my report, but this time, there were sudden discrepancies. I tried refreshing the page, thinking it might be a glitch, but the errors didn't go away. I need the documents Ive provided to be reviewed carefully so I can finally stop stressing over this.

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 2024-10-09 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: OK

Complaint narrative:
I was alarmed this morning when I saw incorrect accounts on my credit report, and I have no explanation for why this happened. I always check my report, but this time, out of the blue, there were discrepancies. I thought refreshing my browser might fix it, but the inaccurate accounts remained. I urgently request that the documents Ive sent be reviewed thoroughly so I can stop being anxious about this.

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