vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-09 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: NJ

Complaint narrative:
I am filing a formal complaint regarding an inaccurate bankruptcy entry on my credit report that has not been resolved despite my attempts to have it corrected. Below are the details of the dispute : XXXX. Company Information : - Company Name : TransUnion - Company Address : XXXX XXXX XXXX, XXXX, PA XXXX - Phone Number : ( XXXX ) XXXX ( TransUnion customer service ) XXXX. Nature of the Complaint : I am disputing the inclusion of a bankruptcy on my credit report that was filed with the XXXX XXXX NEW JERSEY. The bankruptcy was reported under reference # XXXX and listed the date of filing as XX/XX/XXXX. I have received a memorandum from the original creditor confirming that they have not sent any information regarding this bankruptcy to the credit bureaus. 

According to the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX ( a ) ( XXXX ), the original creditor is required to submit accurate and verifiable information to the credit bureaus. The information regarding the bankruptcy is therefore incorrect and must be removed because the original creditor has stated they never reported it. This violates both the Fair Credit Reporting Act ( FCRA ) and the provisions of 15 U.S.C. 609 ( a ) ( 1 ) and ( 2 ). 

XXXX. Actions Taken : On XX/XX/XXXX, I sent a written dispute directly to TransUnion requesting the removal of the bankruptcy from my credit report, citing the memorandum from the original creditor confirming they did not report this bankruptcy. I attached the memorandum as supporting documentation. 

XXXX. Impact on Me : The bankruptcy that appears on my credit report is erroneous, and it has negatively affected my credit score and my ability to obtain credit. The continued presence of this inaccurate information is causing harm to my financial well-being. 

I am attaching a copy of the memorandum from the original creditor as evidence of the inaccuracy. 

Please investigate this matter and take the necessary action to ensure the information is corrected or removed. I am looking forward to your prompt attention to this complaint and a resolution in my favor. 

Thank you for your time and assistance.

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 2025-01-09 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: MS

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX  debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report. within four business days, pursuant to section 605C of the fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Carter Business Service, Inc.
State: NH

Complaint narrative:
The amount of {$900.00} from XXXX XXXX in XXXXXXXX XXXX l changed insurance at the time that I was with and the hospital did not give me time to give them my correct insurance information. They they just sent it straight to collections and the collection agency has been harassing my mother all the time. They have sent me mail from a lawyer about the debt. The debt needs to be erased off of my credit report due to : No signature wet Proof that I own the debt Debt has been paid XXXX violation sell medical information to third party No proof of /Send me the purchase agreement It needs to be taken off of my credit report. 
It has been ongoing since 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 2025-01-09 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: NY

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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-01-09 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: LA

Complaint narrative:
The original company was stage XXXX XXXXXXXX XXXX XXXX They stated that account was sold to XXXX XXXX and that they had nothing to do with the account as of XX/XX/XXXX. XXXX was contacted and the account was paid on XX/XX/XXXX with an agreement that they would contact all three bureaus to have the accounts removed from reporting. XXXX sent a letter to me and all three bureaus however all the bureaus did was document it as a paid charge off instead of removing the accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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:
The original company was stage XXXX XXXX XXXX XXXX They stated that account was sold to XXXX XXXX and that they had nothing to do with the account as of XX/XX/XXXX. XXXX was contacted and the account was paid on XX/XX/XXXX with an agreement that they would contact all three bureaus to have the accounts removed from reporting. XXXX sent a letter to me and all three bureaus however all the bureaus did was document it as a paid charge off instead of removing the accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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:
FTC REPORT PERSONAL STATEMENT : I am filing this FTC Identity Theft Affidavit to report due to fraudulent accounts that show on my consumer FICO credit report which I do not recognize as reported and which result from identity theft and fraud. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. This is preventing me from being able to get approved for my home loan and I am in disbelief. CFPB PERSONAL STATEMENT : This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a few Personal credit card accounts. Account name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Account name : XXXX XXXX Date opened : XX/XX/XXXX Account name : XXXX XXXX Date opened : XX/XX/XXXX Account name : XXXX XXXX  Date opened : XX/XX/XXXX These accounts have resulted in fraudulent hard inquiries and collections appearing on my consumer FICO credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all previous consumer credit accounts, closed accounts, collections, and hard inquiries result from identity theft and fraud.

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 2025-01-09 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: GA

Complaint narrative:
I was viewing my TransUnion credit report and noticed XXXX XXXX XXXX XXXX XXXX XXXX XXXX being reported as open in collections that is actually in paid and closed status at XXXX and XXXX. XXXX balances. XXXX. My TransUnion credit score does not reflect the excellent credit factors that you TransUnion is reporting on your platform which ironic to sat the least and a violation of Fair Credit Reporting, i further believe this infraction to demographically and racially motivated.

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 2025-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I opened a credit card dispute, chase contacted merchant, merchant responded, and chased asked me for more information. I provided that information by XX/XX/XXXX deadline and chase decided not to pursue the chargeback and denied the claim on or around XX/XX/XXXX. I promptly contacted chase on XX/XX/XXXX to reopen the dispute or ask for arbitration. However the agent on phone someone named XXXX denied it and said that dispute can not be reopened. This was crazy she insisted, there is nothing chase can do. This was a lie. I later talked to dispute supervisor, XXXX, who also told the same thing I believe Chase is systematically refusing to reopen dispute when its closed in merchant favor. Denying customers rights. This has happened before. 

Chase is either lying or misleading customers I know the dispute process. Chase is not following it or letting customers know their rights I was finally able to get dispute reopened by speaking to another agent about my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC
State: PA

Complaint narrative:
I am writing in response to a recent communication regarding an alleged debt that you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting that you provide full validation of this debt before any further action is taken. I am also requesting that you comply with all applicable consumer protection laws.

Specifically, please provide the following information : 1. **Validation of the Debt** : Provide verification of the original creditor, an itemized statement showing the full amount of the debt, including any interest, fees, or other charges. As required by the FDCPA, this must include a copy of any signed agreement that obligates me to the debt, including the original creditors name and contact details.

2. **Proof of Your Authority to Collect** : I request that you supply documentation proving that you have been legally assigned or sold this debt. Without such documentation, any attempts to collect would be in violation of consumer protection laws.

3. **Charge-off Status** : If this debt was charged off by the original creditor and is now being handled by your agency as a third-party collection entity, I request documentation of the charge-off date. It is my understanding that charged-off debts are treated differently under 1099 tax laws, and any improper reporting could result in significant legal issues, both for tax reporting and compliance with the IRS rules regarding forgiven debts.

Under IRS regulations, if a debt has been charged off and the creditor has forgiven or written off the amount, you may be required to issue a 1099-C form. Please confirm whether this debt has been reported as income under IRS code 6050P, which would eliminate your ability to collect on the charged-off amount. Please provide clarification and a copy of any 1099-C form sent to the IRS.

4. **Cessation of Communication** : Pursuant to my rights under the FDCPA, I am requesting that all collection activities cease until this debt is properly validated. Should you fail to provide adequate proof of the validity of this debt within 30 days of receiving this letter, I expect that this matter will be closed and any negative information will be removed from my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ).

Please respond to this request in writing within 30 days and send all correspondence to my mailing address listed above. 

Sincerely, 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 2025-01-09 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: MA

Complaint narrative:
To whom it may concern, Listen you ( EXPERIAN, XXXX, XXXX ) disgusting pieces of garbage. You critters of Evil servants of XXXX the XXXX creatures of XXXX, literally carrying on the work of your father the XXXX that make bloody profits by causing ruins on other people 's lives, who is the one really blocked all my financial means of living you are just his puppets. XXXX XXXX ; Re XXXX That is the same thing you have been saying ever since 2020. The company is working on your issue, we apologize for the inconvenience. 

You filthy disgusting garbage is your apology going to put food on my family 's table or do we serve your apologies on our family 's table to eat? 
What does it cost you to follow the FCRA Laws & Regulations Block all the items not recognized by the consumer because of identity theft and data breaches.

No buddy is asking you not to investigate, on the contrary investigate all you want to your heart 's delight. 

Then depending on what you find out through a real investigation again do to hearts delight rescind the block. 

But why would an Evil critter do the right thing what should be done according to the Laws & Regulations?

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 2025-01-09 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: GA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Equifax Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking.

{ dispute_item_and_explanation } Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.I would like all of the accounts mentioned to be deleted and blocked pursuant to 15 USC 1681c-2 ( a ) Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter. 

Sincerely, XXXX XXXX XXXX Enclosures Proof of identity Trafficking documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: FL

Complaint narrative:
Ive had ongoing issues with Experian regarding inaccuracies on my credit report that Ive tried to resolve multiple times. Despite submitting all the necessary documentation and disputing these errors, Experian has failed to properly address the issues. As a result, my credit score has been negatively impacted, affecting my ability to secure housing and a car loan.

I provided proof of payment for a credit card that was incorrectly reported as unpaid, and I disputed an account that doesnt belong to me, but Experian has not corrected the mistakes. Other credit bureaus have resolved similar issues, but Experian has not. Im frustrated that my credit continues to be affected, and I need this resolved as soon as possible

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 2025-01-09 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:
Experian hasnt responded to anything Ive been sending complaints and disputes nothing is being done. They have in the past stated accounts were verified I disputed I asked for validation of steps taken to verify these accounts nothing has been investigated further action needs to be taken. Regarding these accounts Experian hasnt taken any. Also my address is stated on the mail youll sends me, also my drivers license but yet youll havent removed the other address without my apartment number thats inaccurate. XXXX and XXXX has removed many inaccurate items, and updated my scores, Experian hasnt done a thing. Theres an account XXXXXXXX XXXX reporting 30 days late to Experian but paid as agreed to XXXX and XXXX, I was told you guys have updated the system when I called XX/XX/year> which doesnt make any sense. Also theres an account XXXX XXXX which needs to be investigated on my account its reporting differently with the other bureaus, theres so hard inquiries XXXX not responsible for I have a fraud alert on my profiles Experian was late adding that which is why those hard inquiries were allowed on XX/XX/year>. Youll stated accounts were verified what methods did youll take to verify them? What representative did you speak with? What time did you speak with them? What date? What did the rep state? Also send me the validation of steps youve taken to verify each account. This is violating the consumer rights also Im aware of the lawsuit against experian information solutions experian duty is To promote the accuracy and fairness of information in consumer credit reports, the federal Fair Credit Reporting Act ( FCRA ) gives consumers the right to dispute incomplete or inaccurate information in their credit file and requires consumer reporting agencies like Experian to forward such disputes to the company that originally provided the information ( called the " furnisher '' ) for investigation. as it states in the lawsuit which youll dont do. Please update my account and remove these inquiries Ill attach myFTC report AND IDENTIFICATION BELOW PLEASE CHECK ATTACHMENTS

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 2025-01-09 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: TN

Complaint narrative:
COLLECTION ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX WHICH HAS BEEN ON MY REPORT OVER 7 YEARS. NO DOCUMENTATION HAS BEEN PROVIDED TO ME ON SEVERAL ATTEMPTS. HAS BEEN REMOVED AND CAME BACK SHOWING AS A CHARGE OFF BUT REPORTING PAYMENT HISTORY WHICH IS A VIOLATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My background check has information reporting that is not supposed to be reporting. This charge has been sealed and should not be available to the public. The case number showing is : XXXX. Experian has not corrected this incorrect info nor will they tell me why i no longer have access to my credit reports. Each time I try to purchase a credit report or access my reports, it shows as unavailable. Please assist with giving me access to my reports and to update my background information. Both issues are causing me a hardship with creditors, employment and renting a place to live.

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