vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-11 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: NJ

Complaint narrative:
This letter serves as a formal dispute regarding the debt reported on my credit file under Account XXXX XXXX. This debt is fraudulent, the result of identity theft, and has absolutely no connection to me. I have never opened an account with XXXX XXXX XXXX, nor have I ever authorized anyone to do so on my behalf. The presence of this erroneous and fraudulent information on my credit report is unacceptable and has caused substantial damage to my creditworthiness. 

Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my legal right to dispute this debt. You are legally obligated to investigate and remove any inaccurate or fraudulent information from my credit file. 

To substantiate my claim of identity theft, I have enclosed the following documentation : A copy of my police report or FTC Identity Theft Report. 
A copy of my government-issued ID to verify my identity. 
I demand the immediate removal of this fraudulent debt from my credit report. If this issue is not resolved promptly, I will not hesitate to take legal action to enforce my rights under the FCRA and FDCPA. This includes filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing all available legal remedies. 

I expect confirmation in writing that this fraudulent account has been removed from my credit report within 3 days. Failure to comply will result in further legal action. 

Sincerely, 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 2024-08-11 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX from TD Bank, has violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act Convergent Account # XXXX from XXXXXXXX XXXX, has violated my rights. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act Convergent Account # XXXX from XXXXXXXX XXXX, has violated my rights. 

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

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 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Subject : Request to Re-add XXXX XXXX XXXX XXXX XXXX XXXX XXXX to Credit Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, XXXX  XXXX Dear Equifax, I am writing to bring to your attention an issue regarding my credit report. Recently, I noticed that a positive account, specifically my XXXX XXXX XXXX XXXX XXXX XXXX XXXX account, has been deleted from my credit profile. This deletion has adversely affected my credit standing, and I kindly request that you re-add this account to my credit report as soon as possible. 

Account Details : Creditor : XXXX XXXX XXXX XXXX Account Type : XXXX XXXXXXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Current Status : Positive/Active Payment History : [ Specify if it was always paid on time ] Having this account reflected on my credit report is crucial for accurately representing my creditworthiness and financial responsibility. I have always maintained a positive payment history with this account, and its presence on my credit report is vital for maintaining a healthy credit score. 

I kindly request that you investigate this matter promptly and re-add the XXXX XXXX XXXX XXXX XXXX XXXX XXXX account to my credit report. Additionally, please provide confirmation once this account has been successfully reinstated on my report. 

If you require any further information or documentation to process this request, please do not hesitate to contact me at XXXX or XXXX Thank you for your attention to this matter. I appreciate your prompt assistance in resolving this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent You replied that the alleged transaction you furnished as late was { accurate/ verified } choose the response they used } ] but my previous dispute did not ask you for accuracy or validation. 
you furnished to { XXXX, XXXX, and XXXX } } an alleged transaction as Late.

15 U.S. Code 1666b - Timing of payments ( a ) TIME TO MAKE PAYMENTS Acreditormay not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless thecreditorhas adopted reasonable procedures designed to ensure that each periodic statement including the information required bysection 1637 ( b ) of this titleis mailed or delivered to the consumer not later than 21 days before the payment due date.

I requested the information that must have or possess by law in order for you to furnish a payment as late.

This is being request pursuant rule 1002. 
In other words, to properly report information as verified, the furnisher must have sufficient evidence to support the conclusion that the information was true, and in doing this the conditions required by 15 USC 1666b must be met. 
You failed to provide the required requested information, you failed to proceed in accordance with the requires for a creditor to treat a payment as late. 
It has been over 30 days and you have not properly verify the information. 

Id. at 1303 ; see also Blacks Law Dictionary ( 11th ed. 2019 ) ( defining verify as [ t ] o prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate ). 
Importantly, a furnishers inability to conclusively determine that the disputed information is inaccurate does not mean that the furnisher is permitted to report back to the consumer reporting agency that its investigation verified the accuracy of that information. Instead, if the evidence available to the furnisher is insufficient to establish the truth or falsity of the disputed information, then, under the statutory framework, the furnisher must report that its investigation concluded that the disputed information can not be verified.

Hinkle, 827 F.3d at 1304. So, for example, if a furnisher is unable to verify that a consumer missed a payment, then it may be appropriate for the furnisher to delete any mentions of the missed payment while continuing to report other information about the account. 
Delete the information you are furnishing to the Consumer Reporting Agencies as late from account. 

XXXX XXXX _________________________________ Without Recourse UCC 1-308

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
National Credit Systems Inc. committed identity theft by using my consumer reports to collect two separate debts {$4200.00} National Credit Systems alleged was owed to them. National Credit Systems Inc had refused to delete the derogatory information for 7 years on all three of my national credit reports and misrepresented themselves as attorney collectors of debts. I disputed the debts 64 times and they were not removed before 7 years. I suffered from this problem and could not rent an apartment or buy a home because of National Credit Systems Incs willful negligence and identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 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: PA

Complaint narrative:
15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft, not later than XXXX business days after the date of receipt. These accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It has been 30 days and you are in VIOLATION of this law because I am a victim of identi theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION Under, IS U.S Code 168lb - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency XXXX furnish a consumer report un the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consum 1 am demanding the deletion of the accounts listed IMMEDIATELY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-11 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX from XXXX XXXX XXXX, has violated my rights. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX from XXXX XXXX XXXX, has violated my rights. 

XXXX5 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

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 2024-08-11 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: PA

Complaint narrative:
I did a investigation on my credit file which these companies claimed that these accounts belong to me. I have information from the source that these accounts clearly don't belong to me. 
XXXX XXXX XXXX XXXX XXXX XXXX Both account are on my credit file and clear with the information I received don't belong on my 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 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax has refused to provide my free annual credit report. Instead, they offer a PAID subscription to get it!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX from XXXX, has violated my rights. 

XXXX 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

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 2024-08-11 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: CA

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX from XXXX, has violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX from XXXX, has violated my rights. 

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

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 2024-08-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
Money from My account was taken out by XXXX and I was fraudulent scammed and over XXXX was taken from XXXX and sofi bank denied my claim with proof ibwas in the hospital.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX from XXXX XXXX XXXX, has violated my rights. 

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

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 2024-08-11 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: NJ

Complaint narrative:
I am formally disputing the account XXXX XXXX  Acct # XXXX. As mandated by the Fair Debt Collection Practices Act ( FDCPA ), specifically section 1629g, you are legally required to verify this debt. Failure to provide proper verification will result in a violation of federal and state regulations governing debt collection practices. 

Under the FDCPA, your verification must include the following : Proof of my agreement to pay the original creditor ; A copy of the final account statement issued by the original creditor ; A detailed breakdown of the total amount due, including principal, interest, and any additional charges ; Documentation for each charge, including the date and basis for each charge. 
I dispute this debt for the following reasons : [ Insert reason ( XXXX ) for dispute ]. 

Given this dispute, you are legally obligated not to report this debt to any credit reporting agencies. If this debt has already been reported, you must immediately notify the credit reporting agencies that the debt is disputed and remove the tradeline from my credit report. Reporting information you know to be inaccurate, or failing to correct such information, constitutes a violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ). 

Furthermore, except for providing verification of this debt, you are required by law to cease all communication with me regarding this matter. Any attempt to contact me in violation of this request will be treated as a breach of your legal obligations under the FDCPA. 

This matter demands your immediate attention. I expect full compliance with all legal requirements without delay. 

Sincerely, 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 2024-08-11 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: NJ

Complaint narrative:
This letter serves as a formal dispute regarding the debt reported on my credit file under Account Number XXXX. This debt is fraudulent, the result of identity theft, and has absolutely no connection to me. I have never opened an account with XXXX XXXX XXXX, nor have I ever authorized anyone to do so on my behalf. The presence of this erroneous and fraudulent information on my credit report is unacceptable and has caused substantial damage to my creditworthiness. 

Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my legal right to dispute this debt. You are legally obligated to investigate and remove any inaccurate or fraudulent information from my credit file. 

To substantiate my claim of identity theft, I have enclosed the following documentation : A copy of my police report or FTC Identity Theft Report. 
A copy of my government-issued ID to verify my identity. 
I demand the immediate removal of this fraudulent debt from my credit report. If this issue is not resolved promptly, I will not hesitate to take legal action to enforce my rights under the FCRA and FDCPA. This includes filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing all available legal remedies. 

I expect confirmation in writing that this fraudulent account has been removed from my credit report within 3 days. Failure to comply will result in further legal action. 

Sincerely, 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 2024-08-11 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 want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-11 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 want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief