vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-20 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: FL

Complaint narrative:
I am wri ng to formally dispute unauthorized inquiries that appear on my credit report, as well as to assert my rights concerning the documenta on you may request from me in rela on to this dispute. 
Upon reviewing my credit report, I have iden fied the following unauthorized inquiries : Company name Date of inquiryI did not authorize these inquiries, and I believe they have been made in error or without my knowledge or consent. As such, I request that you inves gate these inquiries and remove them from my credit report if they are found to be unauthorized. 
Furthermore, I would like to assert that, under the Fair Credit Repor ng Act ( FCRA ), I am not required to provide an FTC report or a Police report to dispute inaccuracies on my credit report. The FCRA mandates that credit repor ng agencies must conduct a reasonable inves ga on upon receiving a dispute from a consumer, without placing undue burdens on the consumer. Demanding an FTC report or a Police report as a prerequisite for inves ga ng my dispute is not only unnecessary but also places an undue burden on me as a consumer. 
I expect you to adhere to the FCRA 's guidelines and conduct a thorough inves ga on into the unauthorized inquiries without requiring any addi onal reports from me. Failure to do so may result in further ac on on my part to ensure my rights under the FCRA are upheld.

Please acknowledge receipt of this leter and inform me of the steps you will be taking to address my concerns. I expect a response within 30 days, as s pulated by the FCR

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lloyd & McDaniel, PLC
State: GA

Complaint narrative:
Im being sued by Lloyd & McDaniel PLC for a debt that is no longer owed. They didnt fully validate debt according to my requests in validation letter all they sent me where statements. The amount stated is incorrect Ive also submitted documentation showing my credit report showing debt correct amount and that it was charged off and canceled by original creditor which means it was written off and no longer needs to be paid. I believe they have falsely pursued this debt whether knowingly or unknowingly which further shows they didnt fact check the debt and also why they didnt provide the information requested that was needed to validate debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: NC

Complaint narrative:
I am writing to file a complaint regarding the inaccurate personal information that has been reported by Experian, XXXX, and XXXX on my credit files. Despite multiple attempts to rectify the situation by contacting these credit bureaus directly, they have failed to remove old and outdated information from my credit reports. 

The primary concern I wish to address is the various versions of my address that are being reported. This misinformation is not only highly embarrassing but also potentially damaging to my reputation. I have enclosed copies of my current Driver License, W-2 with social, Notarized letter, and Pay stub as proof of my identity and the correct information regarding my address [ 5 ]. 

In my previous communications with the credit bureaus, I have clearly stated that the provided versions of my address are incorrect and have provided them with the correct and legal versions of my personal information. Despite these efforts, they have failed to take the necessary actions to remove the outdated and inaccurate data from my credit files. 

Furthermore, I am concerned about the potential impact of this inaccurate information on my future employment prospects and creditworthiness. The credit reports make it appear as though I have been living at multiple addresses simultaneously, which is entirely untrue [ 5 ]. This misinformation could harm my chances of securing employment or obtaining credit in the future. 

According to the Fair Credit Reporting Act ( FCRA ) and the guidelines provided by the CFPB, it is the responsibility of the credit bureaus to ensure the accuracy and integrity of the information they report [ 6 ]. They are obligated to promptly investigate and correct any inaccuracies or incomplete information upon notification from the consumer. 

I kindly request that the CFPB intervene in this matter and ensure that Experian, XXXX, and XXXX take immediate action to remove the outdated and inaccurate information from my credit files. Additionally, I seek your assistance in enforcing the guidelines outlined by the FCRA to prevent similar incidents from occurring in the future. 

Thank you for your attention to this matter. I look forward to a prompt resolution and the restoration of accurate information on my credit reports.

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 2024-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I've always made sure to pay this account on time, never letting payments become overdue. I'm unsure about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error should be corrected.

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 2024-04-19 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: IL

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 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: NJ

Complaint narrative:
According to FCRA 605B, we need to eliminate any inaccurate accounts from my credit report. Could you check the documents? Some of the listed accounts have inaccuracies in terms of reporting, with incorrect amounts and dates.

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 2024-04-20 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: KY

Complaint narrative:
I recently pulled my credit report and noticed inaccurate information being reported by Experian from an alleged account XXXX XXXX XXXX XXXX XXXXXXXX. Experian is reporting that the account was closed XX/XX/2023 until now, while XXXX is reporting on time payments in XXXX. Both of these can not be correct so with that being said i understand Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. with this, Experian is not following the consumer right law and I would like for this information to be DELETED immediately.

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 2024-04-20 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: TX

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.

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 2024-04-20 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: TX

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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 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: KY

Complaint narrative:
I recently pulled my credit report and found that I have inaccurate information on my report. XXXX is Reporting 5 late payments from my XXXX XXXX XXXX XXXX XXXX The late payments are as follow XX/XX/2023, XXXX is reporting as 60 days late while transunion and XXXX are reporting as 30 days late. XXXX XXXX 90 days late, 60 days late at transunion and XXXX. 120 days late, while transunion and XXXX is 90 days late. Etc I understand Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. XXXX is violating my rights and for this reason I would like all late payments removed from my report for this account

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 2024-04-19 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: KY

Complaint narrative:
I recently pulled my credit report and found that I have inaccurate information on my report. XXXX is Reporting 5 late payments from my XXXX XXXX XXXX XXXX  XXXX The late payments are as follow XX/XX/2023, XXXX is reporting as 60 days late while XXXX and Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and Equifax. 120 days late, while XXXX and Equifax is 90 days late. Etc I understand Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. XXXX is violating my rights and for this reason I would like all late payments removed from my report for this account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 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: TN

Complaint narrative:
I recently disputed with EXPERIAN, and after the dispute, I noticed the accounts I disputed are still inaccurate. EXPERIAN is in violation of 15 USC 1681e ( b ) and 15 USC 1681i ( 5 ). They have been verifying inaccurate account 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 explanation
Consumer complaint received 2024-04-20 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX I called they did not have my account on file it was not verified. Per Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ),

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to dispute the accuracy of certain accounts listed on my credit report. After thoroughly reviewing the information, I have identified several inaccuracies that I believe are in violation of the Fair Credit Reporting Act ( FCRA ).

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 2024-04-19 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 dispute the accuracy of certain accounts listed on my credit report. After thoroughly reviewing the information, I have identified several inaccuracies that I believe are in violation of the Fair Credit Reporting Act ( FCRA ).

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 2024-04-19 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: KY

Complaint narrative:
I recently pulled my credit and found that Experian is reporting inaccurate information on my credit from an account with XXXX XXXX. It is showing that the account closed XX/XX/2023 until now, while XXXX is saying payments were being made on time. It is impossible to be making on time payments on a closed account, with this being said i understand Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This account has not been verified properly so I want it deleted immediately.

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 2024-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I've been trying to fix my credit reporting since last year by sending legal documents to the credit bureau and yet they keep on invalidating my claim. I know my right to have an accurate reporting in compliance to FCRA. There are fraudulent accounts in my profile that i want to remove as soon as possible. it's been months to fight for my right. Kindly remove the following as soon as possible. 

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 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to file a complaint regarding the inaccurate personal information that has been reported by XXXX, XXXX, and TransUnion on my credit files. Despite multiple attempts to rectify the situation by contacting these credit bureaus directly, they have failed to remove old and outdated information from my credit reports. 

The primary concern I wish to address is the various versions of my address that are being reported. This misinformation is not only highly embarrassing but also potentially damaging to my reputation. I have enclosed copies of my current Driver License, W-2 with social, Notarized letter, and Pay stub as proof of my identity and the correct information regarding my address [ 5 ]. 

In my previous communications with the credit bureaus, I have clearly stated that the provided versions of my address are incorrect and have provided them with the correct and legal versions of my personal information. Despite these efforts, they have failed to take the necessary actions to remove the outdated and inaccurate data from my credit files. 

Furthermore, I am concerned about the potential impact of this inaccurate information on my future employment prospects and creditworthiness. The credit reports make it appear as though I have been living at multiple addresses simultaneously, which is entirely untrue [ 5 ]. This misinformation could harm my chances of securing employment or obtaining credit in the future.

According to the Fair Credit Reporting Act ( FCRA ) and the guidelines provided by the CFPB, it is the responsibility of the credit bureaus to ensure the accuracy and integrity of the information they report [ 6 ]. They are obligated to promptly investigate and correct any inaccuracies or incomplete information upon notification from the consumer. 

I kindly request that the CFPB intervene in this matter and ensure that XXXX, XXXX, and TransUnion take immediate action to remove the outdated and inaccurate information from my credit files. Additionally, I seek your assistance in enforcing the guidelines outlined by the FCRA to prevent similar incidents from occurring in the future. 

Thank you for your attention to this matter. I look forward to a prompt resolution and the restoration of accurate information on my credit reports.

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 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to file a complaint regarding the inaccurate personal information that has been reported by XXXX, Equifax, and XXXX on my credit files. Despite multiple attempts to rectify the situation by contacting these credit bureaus directly, they have failed to remove old and outdated information from my credit reports. 

The primary concern I wish to address is the various versions of my address that are being reported. This misinformation is not only highly embarrassing but also potentially damaging to my reputation. I have enclosed copies of my current Driver License, W-2 with social, Notarized letter, and Pay stub as proof of my identity and the correct information regarding my address [ 5 ]. 

In my previous communications with the credit bureaus, I have clearly stated that the provided versions of my address are incorrect and have provided them with the correct and legal versions of my personal information. Despite these efforts, they have failed to take the necessary actions to remove the outdated and inaccurate data from my credit files. 

Furthermore, I am concerned about the potential impact of this inaccurate information on my future employment prospects and creditworthiness. The credit reports make it appear as though I have been living at multiple addresses simultaneously, which is entirely untrue [ 5 ]. This misinformation could harm my chances of securing employment or obtaining credit in the future.

According to the Fair Credit Reporting Act ( FCRA ) and the guidelines provided by the CFPB, it is the responsibility of the credit bureaus to ensure the accuracy and integrity of the information they report [ 6 ]. They are obligated to promptly investigate and correct any inaccuracies or incomplete information upon notification from the consumer. 

I kindly request that the CFPB intervene in this matter and ensure that XXXX, Equifax, and XXXX take immediate action to remove the outdated and inaccurate information from my credit files. Additionally, I seek your assistance in enforcing the guidelines outlined by the FCRA to prevent similar incidents from occurring in the future. 

Thank you for your attention to this matter. I look forward to a prompt resolution and the restoration of accurate information on my credit reports.

Company response to consumer: Closed with non-monetary relief