vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-25 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX Account number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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: IA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ACCOUNTS TO BE REMOVED XXXX XXXXXXXX XXXX BALANCED {$890.00} XXXXXXXX XXXX XXXXXXXX BALANCED {$2700.00} XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXXXXXX XXXX BALANCED {$800.00} XXXX XXXX BALANCED {$1100.00} XXXX XXXX BALANCED {$0.00} XXXX XXXX BALANCED {$2900.00} This account has resulted in several appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent account. I do not recognize the aforementioned account, as reported. The aforementioned account, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account is the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: IA

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 Human Trafficking debt bondage, which falls under trafficking according to Trafficking-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 human trafficking of Debt Bondage and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXX BALANCED {$2900.00} XXXX XXXXXXXX XXXX BALANCED {$890.00} XXXX XXXXXXXX XXXX BALANCED {$800.00} XXXX XXXX BALANCED {$1100.00}

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 2024-11-25 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:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-11-25 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: AZ

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2024-11-25 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: AZ

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2024-11-25 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:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: PA

Complaint narrative:
I recently reviewed a copy of my credit report and realized some alarming information. I found there were fraudulent accounts that I have no knowledge of. I am disputing these inaccuracies and fraudulent accounts because none of these items on my report represent any transaction I made. I believe I am a victim of Identity Theft. 
These accounts being reported on my credit report calls for action of deletion because these accounts show many inaccuracies or fraudulent charges not made by me across all bureaus show that these accounts. This is in clear violation of my Fair Credit Reporting Act ( FCRA ). 
I ask that the accounts listed below be removed because its in clear violation of The Fair Credit Reporting Act section 15 U.S. Code 1681i - Procedure in case of disputed accuracy. I ask that the accounts and inquiries be investigated thoroughly and as a result removed 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 2024-11-25 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: PA

Complaint narrative:
I recently reviewed a copy of my credit report and realized some alarming information. I found there were fraudulent accounts that I have no knowledge of. I am disputing these inaccuracies and fraudulent accounts because none of these items on my report represent any transaction I made. I believe I am a victim of Identity Theft. 
These accounts being reported on my credit report calls for action of deletion because these accounts show many inaccuracies or fraudulent charges not made by me across all bureaus show that these accounts. This is in clear violation of my Fair Credit Reporting Act ( FCRA ). 
I ask that the accounts listed below be removed because its in clear violation of The Fair Credit Reporting Act section 15 U.S. Code 1681i - Procedure in case of disputed accuracy. I ask that the accounts and inquiries be investigated thoroughly and as a result removed 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 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
please remove these item that i request to remove from the past months and still reporting on my report, i already comply all the needed detail

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Continental Finance Company, LLC
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to formally dispute a collection account that has been reported to my credit file by Collection Agency 's. I believe this action is unlawful and in violation of several consumer protection laws as outlined in the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. 

1. **Failure to Provide Validation Information** Under 12 CFR 1006.34 ( b ) ( 5 ), a collection agency is required to provide validation information regarding the debt in question before any reporting can occur. Despite my request for this information, Collection Agency 's has failed to provide any validation pertaining to the alleged debt, yet they have proceeded to report it to the credit bureaus.

2. **Right to Dispute** I have not been afforded the opportunity to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ). I have made several attempts to reach out for clarification, but these requests have gone unanswered, violating my rights as a consumer seeking to dispute the validity of this account.

3. **Misleading and Deceptive Practices** I firmly believe that Collection Agencys is engaging in false, misleading, and deceptive practices concerning the collection of this account. Under various consumer protection laws, including 12 CFR 1006.34, such practices are strictly prohibited, and I request an investigation into this matter.

4. **Unauthorized Reporting** The collection agency has no lawful authority to furnish information to consumer reporting agencies without adhering to all disclosure requirements mandated by law. They are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S1q 2 ( 7 ) ( a ), which state that no reporting can occur without appropriate disclosures. This has caused serious harm to my credit report and overall financial standing.

In light of these violations, I kindly request the Consumer Financial Protection Bureau to investigate this matter. I seek appropriate corrective action to have this collection account removed from my credit report and ensure that Collection Agency 's Name adheres to legal obligations going forward.

Attached to this letter are relevant documents supporting my dispute, including correspondences with Collection Agency 's and my credit report reflecting the disputed account.

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

Sincerely, 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 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
please remove these item that i request to remove from the past months and still reporting on my report, i already comply all the needed detail

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
please remove these item that i request to remove from the past months and still reporting on my report, i already comply all the needed detail

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 2024-11-25 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: TN

Complaint narrative:
please update/validate these item that i request to from the past months and still reporting on wrong on my report, i already comply all the needed detail

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 2024-11-25 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: EQUIFAX, INC.
State: IA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ACCOUNTS TO BE REMOVED XXXX XXXX XXXXXXXX BALANCED {$890.00} XXXX XXXX  XXXX BALANCED {$2700.00} XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXX XXXX XXXX  {$800.00} XXXX XXXX BALANCED {$1100.00} XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXX BALANCED {$2900.00} This account has resulted in several appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent account. I do not recognize the aforementioned account, as reported. The aforementioned account, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account is the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX date of birth XX/XX/year> contexts of complaint : This CFPB complaint has been filled to request pursuant to FCRA 605B that you the EXPERIAN credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent innacurate and false information consists of fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO. I've attached a list of the hard inquiries in question as well as the copy of the identity theft affidavit as proof from the US Federal Trade commission that all of the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me and instead they are a result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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:
Upon reviewing a copy of my credit report, I have identified the following item ( s ) that contain inaccuracies The following account is not mine XXXXXXXX XXXX XXXX Please remove it from my credit report. 

The following account is not mine XXXX XXXX XXXX Please remove it from my credit report. 

The following account is not mine XXXX XXXX XXXX  Please remove it from my credit report. 

The following account is not mine XXXX XXXXXXXX XXXX XXXX Please remove it from my credit report. 

The following account is not mine XXXX XXXX XXXX XXXX  Please remove it from my credit report. 

The following account is not mine XXXXXXXX XXXX XXXX XXXXXXXX Please remove it from my credit report. 

The following account is not mine XXXXXXXX XXXX XXXX XXXXXXXX XXXX remove it from my credit report. 

Validate Account XXXX XXXX Please remove it from my credit report. 

In accordance with the Fair Credit Reporting Act, I hereby request that you investigate and eliminate these items from my report. It is my understanding that you will verify these items with the creditor responsible for their inclusion. Any information that the creditor is unable to validate should be promptly removed. I am aware that, as per 15 U.S.C. Sec. 1681i ( a ), you are required to complete this reinvestigation within 30 days of receiving this letter. 

Ive called and confirmed with each company that these accounts were up for deletion and they have still not been removed.

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 2024-11-25 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: IA

Complaint narrative:
I am sending to formally dispute an entry on my credit report related to an account with a {$0.00} balance. The account in question is currently labeled as a charge-off, despite having been paid in full with no outstanding balance. I kindly request the complete removal of this erroneous entry from my credit report. 

The specifics of the disputed account are as follows : 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 XXXXXXXX I have observed that the inaccurate reporting of this account as a charge-off with a {$0.00} balance is negatively impacting my credit score and financial well-being. This misinformation is not only misleading but also has the potential to impede my access to credit and financial services when needed.

Efforts have been made on my part to rectify this situation by ensuring the account is fully paid, with no remaining balance. Consequently, reporting this account as a charge-off is unjust and misleading. I am fully compliant with my financial obligations and am entitled to an accurate reflection of my creditworthiness.

In accordance with the Fair Credit Reporting Act, I kindly request a prompt investigation into the accuracy and completeness of this entry. Additionally, I ask for the results of this investigation within the stipulated timeframe outlined by the 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