vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-19 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Subject : Dispute of Inaccurate Credit Reporting and Request for Immediate Deletion of the Following Accounts that have surpassed the 30 days federal law dispute period : To Whom It May Concern, I am writing to formally dispute the accuracy of multiple accounts listed on my credit reports with all three major credit bureaus ( Equifax, XXXX, and XXXX ) which I initially started the dispute on XXXX, XXXX, 2024 through CFPB. 

The accounts in question are : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX These accounts are inaccurately reported, and I have not received the required documentation or resolution within the legally mandated 30-day timeframe as outlined in the Fair Credit Reporting Act ( FCRA ). This failure to comply with federal law necessitates the immediate removal of these accounts from my credit reports.

Legal Basis for Dispute Under 15 USC 1681s-2, all information reported to consumer reporting agencies must be accurate and verifiable. In addition, per XXXX XXXX XXXX XXXXXXXX XXXX, the issuance of a 1099-C form by a creditor constitutes an identifiable event of debt cancellation under IRS guidelines . Specifically, Event Code 7 refers to a creditors policy decision to cease collection efforts and cancel the debt. 

Requested Actions Verification of the Account Balances : Provide clear evidence confirming that the balances reported for the XXXXXXXX XXXX and XXXX XXXXXXXX accounts are accurate and legally collectible. 

Provision of the 1099-C Forms : If these accounts were canceled and a 1099-C form was issued, supply copies of these forms to verify the identifiable events of debt cancellation.

Permanent Deletion of Inaccurate Accounts : If the debt was canceled under IRS Event Code 7 or can not be verified, both accounts must be permanently deleted from my credit reports in compliance with the FCRA.

Failure to Respond If you fail to address this dispute within the 30-day investigation period, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ) , and other relevant authorities.

I have attached supporting documents, including copies of my credit reports highlighting the disputed accounts, for your reference. I look forward to receiving a written confirmation that these inaccuracies have been corrected and that the accounts have been permanently deleted from my credit reports. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: NC

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-12-18 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I tried to transfer money from my XXXX Money Network XXXX debit card to my bank account and received error messages. I called the number on the back of the card and they were not able to tell me why this was happening or what my dollar limits are. I am unable to get my benefits from the card to my bank ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2024-12-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I want the company to remove the fraudulent inquiries in 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 non-monetary relief
Consumer complaint received 2024-12-19 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am sending to dispute the following information and inquiries on my credit report. The details in question result from fraudulent activity and were not authorized by me. 

XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/year>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 2024-12-19 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: MS

Complaint narrative:
Upon checking my credit report, I found inaccurate late payment entries that dont match my typical payment habits. Kindly correct these mistakes and revise my 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 explanation
Consumer complaint received 2024-12-18 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: NV

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My credit report is inaccurate due to unapproved inquiries. As they violate 15 USC 16c-2, I ask for their prompt deletion.

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 2024-12-18 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: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-12-19 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
They refused to update the status of the account on my credit report american express is reporting a debt that has not be validated i asked for it to be removed the said its in litigation but if its litigation it should not be reporting as charged off on my credit report they sent me a letter stating its in litigation and for me to contact a 3rd party company who is not on my credit report it clearly has american express on my report " We are unable to respond directly to your complaint. In accordance with our normal collection policies and practices, your account is currently in litigation. The suit was filed on XX/XX/year>, in the XXXX XXXX XXXX XXXX, case number XXXX XXXX CC- XXXX XXXX. Please contact XXXX XXXX XXXX XXXX with any questions or concerns at XXXX. Their hours of operation are Monday through Friday XXXX am to XXXX pm PT '' Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), credit reporting agencies and furnishers of information are required to ensure the accuracy and completeness of the information they report. Specifically : FCRA 1681i ( a ) ( 1 ) ( A ) : The credit reporting agency is obligated to investigate disputes and correct or delete inaccurate information promptly. 
FCRA 1681s-2 ( a ) ( 3 ) : Furnishers of information must update credit reporting to reflect the disputed status of an account if the consumer has formally disputed it.

FCRA 1681e ( b ) : Credit reporting agencies must ensure the maximum possible accuracy of consumer reports. 

My rights have been violated for months and months with is inaccuracy and nobdy has done nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: MS

Complaint narrative:
Its a closed account that I never had a contract with or a payment plan with. I never owed them any money, so I dont understand how I have an account with them. The company is XXXX XXXX XXXX The dates are XX/XX/year> and XX/XX/year>. Ive tried getting the company to correct it but I was told its nothing that can be done!

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 2024-12-19 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: MS

Complaint narrative:
Its a closed account that I never had a contract with or a payment plan with. I never owed them any money, so I dont understand how I have an account with them. The company is XXXX XXXX XXXX The dates are XX/XX/year> and XX/XX/year>. Ive tried getting the company to correct it but I was told its nothing that can be done!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: CA

Complaint narrative:
I have reached out to Transunion on more that one occasion to request a report and to inform them that they have continued to report incorrect information on my consumer report for over 5 years. I have been negatively affected by the companies actions. I am currently unable to get a free credit report due to incorrect information being report on my file.

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 2024-12-19 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: PA

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I was laid off from work and I asked them naturally to have these late payments be forgiven and they have said yes but they are still reporting these late. I have contacted them and have not given any updates at all this is my last resort.

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 2024-12-19 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: CO

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2024-12-18 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: PA

Complaint narrative:
I discovered unauthorized inquiries on my credit report this morning and have no idea how they got there. When I reviewed my report as I usually do, these discrepancies appeared unexpectedly. I even refreshed my browser, hoping it was a technical issue, but the inquiries remained. This has caused me great frustration, and I am requesting that the documents I provided be thoroughly reviewed to resolve this matter and ensure it never happens again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 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: PA

Complaint narrative:
This morning, I noticed unauthorized inquiries on my credit report, and I have no idea why. Despite checking my report as usual, I found unexpected discrepancies. I even refreshed my browser in case it was a glitch, but the inquiries remained. Im extremely frustrated and demand that the documents Ive provided be reviewed thoroughly to resolve this immediately so I can stop worrying.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am requesting an investigation into these accounts, as there seems to be a misunderstanding regarding their accuracy on my credit report. These accounts were previously removed but have since been re-added without my knowledge. I did not receive any notification of their reinstatement, nor have I been contacted by mail regarding 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 2024-12-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
the following companies XXXX, XXXX, and, TransUnion are currently reporting or furnishing information that's be claim as identity theft and since they are aware of this by their first and second investigation THEY ARE AWARE BECAUSE THEY WROTE ME SAYING THAT THE INQUIRES HAVE BEEN VERIFIED I ASK FOR THE METHOD OF VERIFICATION I GOT NO RESPONSE. the violation are but not limited to 15 u.s.code 1681 permissible purpose which states I have to give written or verbal consent which I DID NOT!!! 15 u.s.code 1681s-2 which states no furnishing company shall knowingly reporting inaccurate information and 15 u.s.code 1681c-2 which states know furnishing company shall not report or furnish information that the consumer deems as identity theft and until a resolution has be had they shall stop reporting it immediately .. XXXX XXXX and TransUnion have knowledge that the inquiries listed below are not mine XXXXt XX/XX/year>XXXX XXXX XXXX XXXX XXXXXX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. the inquiries ive listed below each credit agency are in violation of 1681 b permissionble purpose 15 usc 1681c-2, 1681s-2 transunion : this inquiries are unauthorize XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : these are unauthorize inquiries cXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : these are unauthorize inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX i would like these 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 non-monetary relief
Consumer complaint received 2024-12-19 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: OH

Complaint narrative:
the following companies XXXX, Equifax, and, XXXX are currently reporting or furnishing information that's be claim as identity theft and since they are aware of this by their first and second investigation THEY ARE AWARE BECAUSE THEY WROTE ME SAYING THAT THE INQUIRES HAVE BEEN VERIFIED I ASK FOR THE METHOD OF VERIFICATION I GOT NO RESPONSE. the violation are but not limited to 15 u.s.code 1681 permissible purpose which states I have to give written or verbal consent which I DID NOT!!! 15 u.s.code 1681s-2 which states no furnishing company shall knowingly reporting inaccurate information and 15 u.s.code 1681c-2 which states know furnishing company shall not report or furnish information that the consumer deems as identity theft and until a resolution has be had they shall stop reporting it immediately .. XXXX Equifax and XXXX have knowledge that the inquiries listed below are not mine credco/loandepot XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. the inquiries ive listed below each credit agency are in violation of 1681 b permissionble purpose 15 XXXX XXXX, XXXX XXXX : this inquiries are unauthorize XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX equifax : these are unauthorize inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : these are unauthorize inquiries XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i would like these i

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: RI

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in Cushman v XXXX, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX  XXXX XXXX XXXX ....

Company response to consumer: Closed with non-monetary relief