vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-16 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: IL

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 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: GA

Complaint narrative:
In light of recent developments, it has been brought to my attention that the creditor failed to furnish the required 21-day notice along with a statement, which would have allowed sufficient time for payment processing and thus, prevented any late payments from occurring on these accounts. This oversight has led to a misrepresentation of the payment status, suggesting a billing error on the part of the creditor. 

In response to this discrepancy, I kindly request tangible evidence from the creditor 's bank account, demonstrating any instances of non-payment that purportedly resulted in the reported late status. This evidence is essential for clarifying the circumstances surrounding the alleged late payments and verifying the accuracy of the reported 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 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CL Holdings LLC
State: FL

Complaint narrative:
This collection has persistently reappeared on my credit report despite being removed multiple times for non-compliance. Originally dated XX/XX/XXXX, it now erroneously shows as XX/XX/XXXX. This alleged debt, exceeding six years and potentially seven based on the last late payment date, violates FCRA regulations, specifically 605 ( c ) ( 1 ), which limits reporting of debts beyond seven years. Jefferson Capital 's failure to respond to my validation request, despite my inquiry sent on XX/XX/XXXX, also violates FCRA 809 ( b ). I implore an investigation into these blatant FCRA violations and the fraudulent activity associated with this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: IL

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

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 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I noticed unauthorized credit inquiries on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Subject Concern Regarding Reporting of Charge Offs as Income by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a concerning issue regarding the reporting practices of XXXX XXXX XXXX XXXX, doing business as XXXX XXXX XXXX. Specifically, I am concerned about their treatment of charge offs as income in consumer credit reports. 

As per my understanding of the law, specifically 15 USC 1681 ( 2 ) ( a ), it is stated that no transactions or experiences can be reported as income on consumer credit reports. Charge offs, which are essentially write-offs of debt, are being reported as income by XXXX XXXX XXXX XXXX XXXX This is in direct contradiction to the regulations outlined in the aforementioned statute.i also have a 1099 C issued out from the CFO XXXX XXXX also is the screen shot of it with their email being XXXX that I sent the income to Furthermore, it is worth noting that the Internal Revenue Service ( IRS ) requires individuals to report such income on their tax returns, typically in the form of a 1099C or 1099A. However, the inclusion of charge offs as income on consumer credit reports seems to go against both the spirit and letter of the law. 

I believe that this practice by XXXX XXXX XXXX XXXX could potentially mislead consumers and impact their creditworthiness unfairly. It may also create confusion regarding their actual financial standing, as charge offs are not income in the traditional sense. Also XXXX statue of limitation code is XXXX and limitation is only 4 years for auto loan debt for a debt collectors to collect in the state of indiana they have been reporting for 4 years 7 months with an account thats considered a charge off within the last 2 years..I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure compliance with the law. Consumers deserve accurate and transparent reporting of their financial information, and any deviations from regulatory standards should be addressed promptly.

Thank you for your attention to this matter. I look forward to your response and any actions taken in this regard.

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 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Subject Concern Regarding Reporting of Charge Offs as Income by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a concerning issue regarding the reporting practices of XXXX XXXX XXXX XXXX, doing business as XXXX XXXX XXXX. Specifically, I am concerned about their treatment of charge offs as income in consumer credit reports. 

As per my understanding of the law, specifically 15 USC 1681 ( 2 ) ( a ), it is stated that no transactions or experiences can be reported as income on consumer credit reports. Charge offs, which are essentially write-offs of debt, are being reported as income by XXXX XXXX XXXX XXXX XXXX This is in direct contradiction to the regulations outlined in the aforementioned statute.i also have a 1099 C issued out from the CFO XXXX XXXX also is the screen shot of it with their email being XXXX that I sent the income to Furthermore, it is worth noting that the Internal Revenue Service ( IRS ) requires individuals to report such income on their tax returns, typically in the form of a 1099C or 1099A. However, the inclusion of charge offs as income on consumer credit reports seems to go against both the spirit and letter of the law. 

I believe that this practice by XXXX XXXX XXXX XXXX could potentially mislead consumers and impact their creditworthiness unfairly. It may also create confusion regarding their actual financial standing, as charge offs are not income in the traditional sense. Also XXXX statue of limitation code is XXXX and limitation is only 4 years for auto loan debt for a debt collectors to collect in the state of indiana they have been reporting for 4 years 7 months with an account thats considered a charge off within the last 2 years..I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure compliance with the law. Consumers deserve accurate and transparent reporting of their financial information, and any deviations from regulatory standards should be addressed promptly.

Thank you for your attention to this matter. I look forward to your response and any actions taken in this regard.

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 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Date : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI [ XXXX ] Last XXXX of XXXX : XXXX Credit Bureau : Equifax, XXXX, and XXXX RE : Reinsertion of unverified accounts To Whom It May Concern, On XX/XX/XXXX, XX/XX/XXXX, I disputed accounts reported by Equifax, XXXX, and XXXX in the file you maintain under my Social Security number. 

I was informed on XXXX, XX/XX/XXXX, XX/XX/XXXX that the negative item ( s ) were deleted from my credit report. Now I have discovered that the items have been reinserted on my credit report. 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law.

I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be removed immediately. 

My contact information is as follows : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, MI XXXX Unit XXXX DL number : XXXX Please govern yourself accordingly. 
Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Date : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MI [ XXXX ] Last XXXX of XXXX : XXXX Credit Bureau : XXXX, XXXX, and Experian RE : Reinsertion of unverified accounts To Whom It May Concern, On XX/XX/XXXX, XX/XX/XXXX, I disputed accounts reported by XXXX, XXXX, and Experian in the file you maintain under my Social Security number. 

I was informed on XXXX, XX/XX/XXXX, XX/XX/XXXX that the negative item ( XXXX ) were deleted from my credit report. Now I have discovered that the items have been reinserted on my credit report. 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law.

I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be removed immediately. 

My contact information is as follows : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, MI XXXX Unit XXXX DL number : XXXX Please govern yourself accordingly. 
Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : Better Business Bureau

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 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In light of recent developments, it has been brought to my attention that the creditor failed to furnish the required 21-day notice along with a statement, which would have allowed sufficient time for payment processing and thus, prevented any late payments from occurring on these accounts. This oversight has led to a misrepresentation of the payment status, suggesting a billing error on the part of the creditor. 

In response to this discrepancy, I kindly request tangible evidence from the creditor 's bank account, demonstrating any instances of non-payment that purportedly resulted in the reported late status. This evidence is essential for clarifying the circumstances surrounding the alleged late payments and verifying the accuracy of the reported 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 non-monetary relief
Consumer complaint received 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am requesting method of validation for all disputed accounts that are in litigation via TransUnion being litigated for data breaches involving my personal information being exposed. TransUnion has not offered me any sort of resolutions. Please remove the negative XXXX from my XXXX credit report. Yall really some XXXX that want to destroy XXXX peoples spirit with slave debt. My ancestors did not suffer for us to struggle. They paid the ultimate price with their lives and forced labor. The effects are still evident today. This form of Debt slavery is appalling. Remove all negative XXXX immediately. You 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 2024-04-16 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: TN

Complaint narrative:
my XXXX federal app shows my XXXX bank as open not closed closed it last month and Trans Union XXXX XXXX XXXX has not done XXXX to correct information, I have made numerous phone calls to transunion, XXXX card, and 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 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Delete these inquiries. 

XXXX XXXX - XX/XX/year> XXXX XXXX  - XX/XX/year> 2024

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 2024-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
For the past 3 months Midland Collection ( MCM ) has called me every single morning. 
It is coming close to the statue of limitation and they are harrasing me every single morning. I block their numbers but they call from a different number every morning.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Essential Lending Inc
State: DC

Complaint narrative:
Company refuses to have their supervisor contact me to resolve an outstanding matter. Company utilizes predatory tactics in violation of regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: IL

Complaint narrative:
Encountering an error suggesting a late payment on my account is unsettling, particularly because I have consistently adhered to payment deadlines. This inconsistency is generating unnecessary stress, and I implore you to swiftly rectify the situation by updating my records accordingly.

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 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Encountering an error suggesting a late payment on my account is unsettling, particularly because I have consistently adhered to payment deadlines. This inconsistency is generating unnecessary stress, and I implore you to swiftly rectify the situation by updating my records accordingly.

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 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
A technical error allowed a charge to overdraft my prepaid gift card. That charge has been reversed and refunded, but American Express restricted my card and refuses to give me access to the funds that were returned to it. I included an attachment which breaks down all of the dates, transactions and attempts that I have made to resolve the issue with American Express. They promised me a resolution several times, only to tell me that there is " nothing that can be done '', when I follow up.

Company response to consumer: Closed with explanation