vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-13 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: FL

Complaint narrative:
I am writing to you regarding the account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX which is reported as a charge-off on my credit report. After reviewing the information related to this account, I believe it is being reported inaccurately, violating my rights under the Fair Credit Reporting Act ( FCRA ) and other federal regulations. 
The debt has been reported as a charge-off, indicating that the creditor deemed it unrecoverable and wrote it off as a loss. Under IRS regulations, specifically Section XXXX of the Internal Revenue Code, the creditor should have issued a Form XXXX ( Cancellation of Debt ) to report this cancellation to the IRS, which has not been done. The failure to issue this notice and the continued presence of this debt on my credit report as active constitutes inaccurate and incomplete reporting. 
Additionally, under the FCRA, credit bureaus are required to report only accurate and verifiable information. If the creditor has determined that the debt is no longer recoverable, as indicated by the charge-off, it should not continue to be reported as an outstanding or active debt on my credit report. 
I request that you support the credit bureau XXXX investigate this matter immediately and remove the incorrect account from my credit report. If XXXX XXXX XXXX XXXX XXXX XXXX XXXX not provide clear evidence that this debt remains valid, including justification for not issuing a XXXX form, you must correct and delete this information

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 2024-09-13 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: FL

Complaint narrative:
I am writing to you regarding the account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX which is reported as a charge-off on my credit report. After reviewing the information related to this account, I believe it is being reported inaccurately, violating my rights under the Fair Credit Reporting Act ( FCRA ) and other federal regulations. 
The debt has been reported as a charge-off, indicating that the creditor deemed it unrecoverable and wrote it off as a loss. Under IRS regulations, specifically Section 6050P of the Internal Revenue Code, the creditor should have issued a Form 1099-C ( Cancellation of Debt ) to report this cancellation to the IRS, which has not been done. The failure to issue this notice and the continued presence of this debt on my credit report as active constitutes inaccurate and incomplete reporting. 
Additionally, under the FCRA, credit bureaus are required to report only accurate and verifiable information. If the creditor has determined that the debt is no longer recoverable, as indicated by the charge-off, it should not continue to be reported as an outstanding or active debt on my credit report. 
I request that you support the credit bureau XXXX investigate this matter immediately and remove the incorrect account from my credit report. If XXXX XXXX XXXX XXXX XXXX XXXX XXXX not provide clear evidence that this debt remains valid, including justification for not issuing a 1099-C form, you must correct and delete this information

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 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-09-13 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: OH

Complaint narrative:
These accounts were specifically XXXX XXXX XXXX was removed from my credit report XXXX weeks ago. The fact that XXXX XXXX XXXX added this XXXX account back to my Transunion report XXXX beyond me. This account is fraudulent and illegal and needs to be removed for the last final time. THis is illegal for not only the original creditor but for the credit bureaus to remove and readd back to my credit profiles. remove this illegal account of my report for the last time XXXX XXXX XXXX  Date Opened XX/XX/XXXX {$7700.00} These accounts below are also illegal and were never authorized in my name. Please remove the rest of these accounts before further action will be taken. I am a victim of identity theft. 


XXXX XXXX XXXX {$16000.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX {$62.00} Date Opened XX/XX/XXXX Inquiries 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 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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: AZ

Complaint narrative:
To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information.

You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
15 U.S. CODE 1692G - VALIDATION OF DEBTS. 
XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 


there is some inaccurate information reporting XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 


15 U.S. CODE 1692e - False or misleading representations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Avant Holding Company, Inc.
State: NJ

Complaint narrative:
I have requested XXXX XXXX XXXX TIMES for Avant to remove my bank account from their company. It continues to remain on file, and now I am really, really XXXX. You can not just do whatever you want and get away with it. I was extremely respectful and professional and now I will not be. Delete my name, my address, my checking account information, EVERYTHING or you will have serious, serious legal issues. Do NOT XXXX with people and their personal, sensitive information. Happy to see you in court if you refuse. XXXX of XXXX privacy, unethical, and absolutely XXXX people.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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: TN

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 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: GA

Complaint narrative:
I am writing to express my extreme disappointment regarding the lack of resolution for an unauthorized hard inquiry on my credit report. Despite my initial dispute on XXXX XXXX, 2024, concerning the inquiry from XXXX on XX/XX/XXXX, this unauthorized entry still remains on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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: OH

Complaint narrative:
I WOULD LIKE ALL THESE ILLEGAL ITEMS REMOVED OFF MY REPORT AS SOON AS POSSIBLE. THIS IS TOTALLY ILLEGAL AND THESE ARE NONE OF MY ACCOUNTS! THESE ILLEGAL ACCOUNTS ALSO PASS THE STATUE OF REPORTING AND LIMITATION BEING THAT THEY ARE UNAUTHORIZED/ILLEGAL FRAUDULENT ACCOUNTS! 


All of these accounts are TOTALLY FRAUDLENT AND ILLEGAL AND VERY MUCH INCORRECT. I WOULD LIKE THESE ITEMS REMOVED OFF OF MY REPORT AS SOON AS POSSIBLE. COLLETIONS AND AND INQUIRIES ARE ILLEGAL I WOULD LIKE THESE REMOVED AS SOON AS POSSIBLE. 


XXXX XXXX date opened XX/XX/XXXX {$180.00} XXXX XXXX XXXX date opened XX/XX/XXXX {$140.00} XXXX XXXX date opened XX/XX/XXXX {$310.00} The XXXX XXXX XXXX date opened XX/XX/XXXX {$670.00} inquiries XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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

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 2024-09-13 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: OH

Complaint narrative:
I WOULD LIKE ALL THESE ILLEGAL ITEMS REMOVED OFF MY REPORT AS SOON AS POSSIBLE. THIS IS TOTALLY ILLEGAL AND THESE ARE NONE OF MY ACCOUNTS! THESE ILLEGAL ACCOUNTS ALSO PASS THE STATUE OF REPORTING AND LIMITATION BEING THAT THEY ARE UNAUTHORIZED/ILLEGAL FRAUDULENT ACCOUNTS! 


All of these accounts are TOTALLY FRAUDLENT AND ILLEGAL AND VERY MUCH INCORRECT. I WOULD LIKE THESE ITEMS REMOVED OFF OF MY REPORT AS SOON AS POSSIBLE. COLLETIONS AND AND INQUIRIES ARE ILLEGAL I WOULD LIKE THESE REMOVED AS SOON AS POSSIBLE. 


XXXX XXXX date opened XX/XX/XXXX {$180.00} XXXX XXXX XXXX date opened XX/XX/XXXX {$140.00} XXXX XXXXXXXX XXXX opened XX/XX/XXXX {$310.00} The XXXX XXXX XXXX date opened XX/XX/XXXX {$670.00} inquiries XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXXC 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 XXXXXXXX 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 2024-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
I was driving from XXXX  to XXXX  when I made an online payment. Fifth third has tagged my account as 30 days late because it says I made the payment at XXXX XXXX  EST and the cut off is XXXX XXXX  EST however the payment was made at XXXX XXXX. I have made multiple phone calls and apparently a time change occurs between XXXX  and XXXX  when traveling or crossing XXXX. I spoke with a supervisor XXXX at fifth third who could not have been more UNHELPFUL. I explained the situation. She confirmed the time stamp on their end but would not offer to assist me in any way nor escalate my call to someone who would have been a bit more helpful or offered assistance. I can not control how the time fluctuates and changes and for XXXX minutes should not be penalized. I need someone to help me with this situation please.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent a dispute to Experian via certified mail on XX/XX/XXXX with proof of identity and address and asked them to remove all incorrect information from my credit report. They sent an email today saying the dispute was completed but the only thing they corrected was my phone number. They also did not remove name that was incorrect. They did not remove any of the incorrect addresses. I also asked them to remove an inquiry from XXXX XXXX XXXX from XX/XX/XXXX that I did not authorize and they did not remove this either or send verification. 

I have a home address of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and a business address of XXXX XXXX XXXX XXXX TX XXXX. There should be no other addresses 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 explanation
Consumer complaint received 2024-09-13 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 a account without my written instructions

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate. 
Please remove these Inquiries from 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 explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.

Please remove these Inquiries from 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 explanation
Consumer complaint received 2024-09-13 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: TX

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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: NY

Complaint narrative:
Following a thorough review of my current credit report, I noticed several accounts that are fraudulent and were added without my knowledge.

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