vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Despite my previous attempts to address this matter, the fraudulent accounts continue to persist, causing significant distress and concern. It is perplexing that, despite multiple escalations, the accounts remain on my credit report. 
XXXX XXXX XXXX- PLEASE DELETE!!! XXXX have already removed this account from their records. 
XXXX XXXX XXXX- PLEASE DELETE!!! XXXX have already removed this account from their records. 
XXXX XXXX XXXX- PLEASE DELETE!!! XXXX have already removed this account from their records. 
Furthermore, I would like to emphasize that the seven-year reporting period for these accounts has already exceeded, and their continued presence on my credit report is both inaccurate and damaging to my financial standing. I want to make it clear that I have neither the knowledge nor any authorization regarding the existence of these fraud accounts.

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 2024-01-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: IL

Complaint narrative:
I received a letter from Caine & Weiner that still didn't include the itemized statement I requested explaining why I owe the money they say I do. Based on my records, i don't owe this. I'm refusing to pay this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 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: 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. 

has violated my rights. Or a list of inquiries : 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 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 non-monetary relief
Consumer complaint received 2024-01-16 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: VA

Complaint narrative:
I am writing to formally express my ongoing dissatisfaction and concerns regarding the disputed account associated with my credit report. Despite multiple previous disputes, my concerns remain unaddressed. There are still significant issues with the reporting of this account, and I seek your assistance in rectifying this matter. 

XXXX, XXXX and Transunion response is that they completed their investigation and the account is reporting as accurate. However, discrepancies in the reporting of this account still persist, indicating that a proper and thorough investigation was not conducted. Moreover, my repeated requests for original documentation, signatures, contracts, and details regarding the verification method for this account have been left unanswered, raising serious concerns about the transparency and accuracy of the reported information. 

In addition to the aforementioned issues, I would like to bring your attention to specific violations of the Fair Credit Reporting Act ( FCRA ) : 1. Privacy Rights ( 15 USC 1681 Section 602 ) : I assert my right to privacy, and I expect that the handling of my dispute adheres to these privacy rights.

2. Written Instructions ( 15 USC 1681 Section 604 A Section 2 ) : According to FCRA, a consumer reporting agency can not furnish an account without my written instructions. In this case, I have not provided such instructions.

3. Timeliness of Payments ( 15 USC 1666B ) : As per FCRA, a creditor may not treat a payment on a credit card account as late for any purpose.

In light of these FCRA violations and the adverse impact on my ability to obtain credit, I urgently demand the deletion of the reported 30-day late payment on this account. This inaccurate information is hindering my financial opportunities and creating undue hardship for my family.

Your prompt attention to this matter is appreciated, and I look forward to a swift resolution.

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 2024-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am writing to formally express my ongoing dissatisfaction and concerns regarding the disputed account associated with my credit report. Despite multiple previous disputes, my concerns remain unaddressed. There are still significant issues with the reporting of this account, and I seek your assistance in rectifying this matter. 

Equifax, XXXX and XXXX response is that they completed their investigation and the account is reporting as accurate. However, discrepancies in the reporting of this account still persist, indicating that a proper and thorough investigation was not conducted. Moreover, my repeated requests for original documentation, signatures, contracts, and details regarding the verification method for this account have been left unanswered, raising serious concerns about the transparency and accuracy of the reported information. 

In addition to the aforementioned issues, I would like to bring your attention to specific violations of the Fair Credit Reporting Act ( FCRA ) : 1. Privacy Rights ( 15 USC 1681 Section 602 ) : I assert my right to privacy, and I expect that the handling of my dispute adheres to these privacy rights.

2. Written Instructions ( 15 USC 1681 Section 604 A Section 2 ) : According to FCRA, a consumer reporting agency can not furnish an account without my written instructions. In this case, I have not provided such instructions.

3. Timeliness of Payments ( 15 USC 1666B ) : As per FCRA, a creditor may not treat a payment on a credit card account as late for any purpose.

In light of these FCRA violations and the adverse impact on my ability to obtain credit, I urgently demand the deletion of the reported 30-day late payment on this account. This inaccurate information is hindering my financial opportunities and creating undue hardship for my family. 

Your prompt attention to this matter is appreciated, and I look forward to a swift resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 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: VA

Complaint narrative:
I am writing to formally express my ongoing dissatisfaction and concerns regarding the disputed account associated with my credit report. Despite multiple previous disputes, my concerns remain unaddressed. There are still significant issues with the reporting of this account, and I seek your assistance in rectifying this matter. 

XXXX, Experian and XXXX response is that they completed their investigation and the account is reporting as accurate. However, discrepancies in the reporting of this account still persist, indicating that a proper and thorough investigation was not conducted. Moreover, my repeated requests for original documentation, signatures, contracts, and details regarding the verification method for this account have been left unanswered, raising serious concerns about the transparency and accuracy of the reported information. 

In addition to the aforementioned issues, I would like to bring your attention to specific violations of the Fair Credit Reporting Act ( FCRA ) : 1. Privacy Rights ( 15 USC 1681 Section 602 ) : I assert my right to privacy, and I expect that the handling of my dispute adheres to these privacy rights.

2. Written Instructions ( 15 USC 1681 Section 604 A Section 2 ) : According to FCRA, a consumer reporting agency can not furnish an account without my written instructions. In this case, I have not provided such instructions.

3. Timeliness of Payments ( 15 USC 1666B ) : As per FCRA, a creditor may not treat a payment on a credit card account as late for any purpose.

In light of these FCRA violations and the adverse impact on my ability to obtain credit, I urgently demand the deletion of the reported 30-day late payment on this account. This inaccurate information is hindering my financial opportunities and creating undue hardship for my family.

Your prompt attention to this matter is appreciated, and I look forward to a swift resolution.

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 2024-01-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to dispute the late payments listed on my credit report. I have carefully reviewed the information, and I believe there are inaccuracies that need to be addressed. 
XXXX XXXX XXXXXXXX Upon reviewing my credit report, I noticed discrepancies related to the reported late payments. I have always been committed to meeting my financial obligations promptly, and I believe there might be an error or misunderstanding in the reporting. 
I kindly request a thorough investigation into this matter and the prompt removal of any inaccuracies from my credit report. 
I understand the importance of accurate credit reporting, and I trust that your investigation will lead to a fair resolution. I appreciate your attention to this matter and request that you provide me with updates on the progress of the dispute.

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 2024-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
They are charging me and I cant stop them from charging me they are causing me overdraft charges Ive called had them stop asked to have my account deleted and now all of a sudden they are attempting to steal money and charge me AGAIN

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 2024-01-16 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: AZ

Complaint narrative:
This is my 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-16 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: PA

Complaint narrative:
Hello My name is XXXX XXXX. I reviewed my consumer reports and noticed that i had one late payments on an account that i was never late for. The 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 accounts that i haveincluded screenshot inside this complaint in on dates of ( XX/XX/2020 ) ( XX/XX/2020 ) Please investigate and provide proof with statements showing that these payments were late. 

If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late.

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 2024-01-16 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I sent the credit bureaus letters asking them to verify a debts on my report. They have sent it back stating that everything is verified correctly. My credit report is still showing inaccuracies. 
15 U.S.C 1681s-2 ( A ) ( 1 ) Reporting information with actual knowledge of errors 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. 

According to NMLSCONSUMERACCESS.ORG this company does not have a license to collect ANY debt in the state of Texas. 

I would like to know how this company is reporting an alleged collections account as an open account with a past due amount as valid and accurate. This alleged account is listed as a Collection with a PAST DUE BALANCE OF {$420.00} - ACCOUNT # XXXX, {$4300.00} - ACCOUNT # XXXX, {$1000.00} - ACCOUNT # XXXX This is a violation of FCRA and also in violation of requisite METRO 2 COMPLIANT reporting standards and must be permanently removed from my consumer report. 
If you can not provide me with your method of validation then please delete due to inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 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: CA

Complaint narrative:
I have items that were taken off my credit report. Here is proof of their illegal reporting and privacy act violations.

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 2024-01-16 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: CA

Complaint narrative:
I have items that were taken off my credit report. Here is proof of their illegal reporting and privacy act violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
It is a violation to report transaction history. 
Per 15 USC 1681 ( B ) ( b ) Conditions for furnishing and using consumer reports for employment purposes ( 1 ) Certification from user A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumers rights under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) [ 1 ] of this title.

The Privacy Act of XXXX  in conjunction to above referenced.

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 2024-01-16 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: TX

Complaint narrative:
It is a violation to report transaction history. 
Per 15 USC 1681 ( B ) ( b ) Conditions for furnishing and using consumer reports for employment purposes ( 1 ) Certification from user A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumers rights under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( XXXX ) [ XXXX ] of this title. 
The Privacy Act of 1974 in conjunction to above referenced.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
It appears that my 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 is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Balance : - XXXX XXXX  XXXX Balance : - XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XXXX XXXX XXXXXXXX Balance : - XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX. XX/XX/XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$570.00} XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/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 2024-01-16 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: EQUIFAX, INC.
State: CA

Complaint narrative:
It appears that my 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 is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Balance : - XXXXXXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX. XX/XX/XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief