vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-16 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: FL

Complaint narrative:
After reviewing m report i found many inaccuracies on my report the this is a violation of the fcra 1681 ( e ) ( b ) the law states that whenever a consumer reporting agency reports on a consumer report they should follow reasonable procedures to assure maximum possible accuracy of the information on a consumer report the following accounts reports late payments that need to be updated from late to current according to fcra : XXXX XXXXXXXX Acct # XXXX 30 days late from XXXXXXXX XXXX XXXX XXXX XXXX and 30 days late XXXX, XXXX XXXX XXXX, XXXX and 60 days late XXXX XXXX XXXXXXXX please update to current, XXXX XXXX  Acct # XXXX XXXX30 days late for XXXX XXXX60 days late for APR 90 days late for XXXX and 120 days late for XXXX XXXX XXXX XXXX XXXX  Acct # XXXX 30 days late XXXX of XXXXXXXX XXXX XXXX XXXX ss Acct # XXXX 30 days late XXXX of XXXX Also i found one unauthorized inquire on my report performance on XX/XX/XXXX please delete inaccurate inquiry

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 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:
After reviewing m report i found many inaccuracies on my report the this is a violation of the fcra 1681 ( e ) ( b ) the law states that whenever a consumer reporting agency reports on a consumer report they should follow reasonable procedures to assure maximum possible accuracy of the information on a consumer report the following accounts reports late payments that need to be updated from late to current according to fcra : XXXX XXXX Acct # XXXX 30 days late from XXXX, XXXXXXXX XXXX XXXX XXXX and 30 days late XXXX, XXXX XXXX XXXX, XXXX and 60 days late XXXX XXXX XXXX  please update to current, XXXX XXXX Acct # XXXX XXXX days late for XXXX XXXX60 days late for APR 90 days late for XXXX and 120 days late for XXXXXXXX XXXX XXXX XXXX XXXX Acct # XXXX 30 days late XXXX of XXXX, XXXXXXXX XXXX XXXX  ss Acct # XXXX 30 days late XXXX of XXXX Also i found one unauthorized inquire on my report performance on XX/XX/XXXX please delete inaccurate inquiry

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 2024-09-16 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: FL

Complaint narrative:
I found some fraudulent inquiries on my credit report and I asked them to investigate this and they haven't done anything yet.

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 2024-09-16 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: TN

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.Section 604 A Section 2 : it also States a consumer reporting agency can not furnish account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Petition Ref # XXXXXXXX XXXX 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 items 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 information is inaccurate.

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 2024-09-16 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: TN

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.Section 604 A Section 2 : it also States a consumer reporting agency can not furnish account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 items 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 information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 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: NV

Complaint narrative:
RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.

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 2024-09-16 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: NY

Complaint narrative:
Credit reports shall not reflect transactions that are made between consumers and the person making the credit report. ( 15 USC 1681a ( 2 ) ( A ) ( i ) )

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 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing a formal complaint regarding repeated inaccurate reporting on my credit file by both XXXX and XXXX, concerning two separate matters : 1. Capital One Account ( Account # XXXX ) For years, I have tried to get this issue resolved. I even contacted the CEO of Capital One, but no resolution was ever provided. Capital One more than tripled the balance after closing my account without any notice, despite the fact that I always paid on time. The current reported balance is {$3500.00}. This is my fourth or fifth attempt to have the balance due on this account accurately updated. Despite numerous requests to XXXX, XXXX, and Capital One for a fact check and verification of the balance, no corrective action has been taken. 

If this matter is not resolved promptly, I will have no choice but to seek arbitration. Additionally, I will escalate this to the Federal Trade Commission ( FTC ) and pursue claims under the Fair Credit Reporting Act ( FCRA ) for failure to correct these errors. 

XXXX has already removed it years ago since it was inaccurate and expect you to do the same. 

XXXX. XXXX XXXX XXXX showing as Collection XXXX for XXXX XXXX There is an incorrect collection account reported by XXXX XXXX XXXX for a debt allegedly owed to XXXX XXXX. I am not liable for this debt, and I have no contractual relationship with XXXX XXXX XXXX. Despite my request for the original contract and proper documentation, none has been provided, making this debt unsubstantiated. This collection should be immediately removed from my credit report as I am under no obligation to XXXX XXXX XXXX. 

In addition, I would like to highlight that due to the recent XXXX data breach, millions of consumers ' sensitive information, including personal and financial data, have potentially been exposed. This incident increases the urgency of resolving my credit disputes, as I am now more vulnerable to potential identity theft and fraud. With XXXX being at the center of this breach, I demand that these inaccuracies be addressed immediately. Otherwise, I will be forced to pursue arbitration and further escalate to the FTC or other relevant agencies under the FCRA. 

Please confirm receipt of this complaint and provide details on any actions taken to resolve it. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing a formal complaint regarding repeated inaccurate reporting on my credit file by both XXXX and Experian, concerning two separate matters : 1. XXXX XXXXXXXX Account ( Account # XXXX ) For years, I have tried to get this issue resolved. I even contacted the CEO of XXXX XXXX, but no resolution was ever provided. XXXX XXXXXXXX more than tripled the balance after closing my account without any notice, despite the fact that I always paid on time. The current reported balance is {$3500.00}. This is my fourth or fifth attempt to have the balance due on this account accurately updated. Despite numerous requests to XXXX, Experian, and XXXX XXXX for a fact check and verification of the balance, no corrective action has been taken. 

If this matter is not resolved promptly, I will have no choice but to seek arbitration. Additionally, I will escalate this to the Federal Trade Commission ( FTC ) and pursue claims under the Fair Credit Reporting Act ( FCRA ) for failure to correct these errors. 

XXXX has already removed it years ago since it was inaccurate and expect you to do the same. 

2. XXXX XXXX XXXX showing as Collection XXXX for XXXX XXXX  There is an incorrect collection account reported by XXXX XXXX XXXX for a debt allegedly owed to XXXX XXXX. I am not liable for this debt, and I have no contractual relationship with XXXX XXXX XXXX. Despite my request for the original contract and proper documentation, none has been provided, making this debt unsubstantiated. This collection should be immediately removed from my credit report as I am under no obligation to XXXX XXXX XXXX. 

In addition, I would like to highlight that due to the recent Experian data breach, millions of consumers ' sensitive information, including personal and financial data, have potentially been exposed. This incident increases the urgency of resolving my credit disputes, as I am now more vulnerable to potential identity theft and fraud. With Experian being at the center of this breach, I demand that these inaccuracies be addressed immediately. Otherwise, I will be forced to pursue arbitration and further escalate to the FTC or other relevant agencies under the FCRA. 

Please confirm receipt of this complaint and provide details on any actions taken to resolve it. 

Thank you for your attention to this matter.

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 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to formally dispute the accuracy of the bankruptcy reporting on my credit report and to request its removal based on information provided by the XXXX XXXX XXXX Court and relevant consumer protection laws. 
According to a letter I received from the XXXX XXXX XXXX Court, the court does not report any information to credit bureaus and is not responsible for verifying or validating information from consumers credit files. The letter specifies that " any concerns regarding the accuracy of consumer credit files can be directed to the credit reporting agencies. '' The original creditor is the only entity that can verify or validate information. and in this case the original creditor says they do not report to credit reporting companies, so this inaccurate, unverified, and unvalidated reporting needs to be removed from my report. Based on the information provided by the bankruptcy court and the stipulations of the Fair Credit Reporting Act ( FCRA ), this reporting is inaccurate and must be corrected. 
To assist you in your review, I have included a copy of the letter from the XXXX XXXX XXXX Court for your reference and an image of the bankruptcy courts website as it appeared on XX/XX//2024. Please review my credit report in light of this information and take the necessary steps to remove the bankruptcy record from my file. There is absolutely no third-party with first-hand knowledge of anything. 
Please confirm receipt of this dispute letter and notify me in writing of the action taken to correct this issue within 30 days, as required by the FCRA. If you need any additional information or documentation from me to resolve this matter, please let me know at your earliest convenience. 
Thank you for your prompt attention to this matter.

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 2024-09-16 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: NJ

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.

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 2024-09-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
I contacted Phoenix Financial Services as soon as I received a collection on my credit report. During this phone call, I requested the original medical bill to give to my insurance company and clear the debt owed. I've called them seven times since then, wondering where this information is. I have not received it, so I can not clear my credit. They keep telling me they shipped it. I keep getting a supervisor on the phone who is more concerned with giving me attitude and false information than resolving this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 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: CA

Complaint narrative:
i have complaint experian credit report, they reporting all inacurate information to crediter and i got denied, i file a dispute with them fof account which is not ever late they response in 1 days saying we verify it is accurate, how they investigate in 1 day. 
HERE IS A ACCOUNT NEEDS TO B CORRETED AS NEVER LATE 1 XXXX XXXX  # XXXX 2 XXXX XXXX # XXXX 3 XXXX  XXXX XXXX # XXXX 4 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 2024-09-16 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: AR

Complaint narrative:
I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

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 2024-09-16 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: OH

Complaint narrative:
While reviewing my recent credit file, I discovered an incorrect collection account and an unauthorized inquiry. I do not recognize the collection account and did not authorize the inquiry. Please investigate and correct these errors.

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 2024-09-16 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: OH

Complaint narrative:
While reviewing my recent credit file, I discovered an incorrect collection account and an unauthorized inquiry. I do not recognize the collection account and did not authorize the inquiry. Please investigate and correct these errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 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 have two inquiries that showing up on my credit report that shouldnt be on there XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2024 I have no dealing or products from neither institution and I ask that both these inquiries be removed immediately My information may have been impacted by the XXXX Data Breach and may have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists Thank you Respectfully 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 2024-09-16 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: Diversified Adjustment Service, Inc.
State: FL

Complaint narrative:
I Recently Checked My Consumer Reports and found an Improper Usage of my credit from XXXX XXXX which then Sold my information to Diversified Adjustment. Which is in violation of the FCRA in pursuant to 15 usc 1681b you permission to furnish any of my information to any credit reporting agency or collection company. I am demanding a deletion of this alleged debt at once. Below I attached a cease and desist and validation of debt letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 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: Harvard Collections, LLC
State: FL

Complaint narrative:
I Recently Checked My Consumer Reports and found an Improper Usage of my credit from XXXX XXXX  XXXX XXXX XXXX which then Sold my information to Harvard Collection. Which is in violation of the FCRA in pursuant to 15 usc 1681b you never had permission to furnish any of my information to any credit reporting agency or collection company. I am demanding a deletion of this alleged debt at once. Below I attached a cease and desist and validation of debt letter.

Company response to consumer: Closed with explanation