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

Complaint narrative:
I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified several accounts that are reporting late payments inaccurately and I want to dispute the inaccuracy of these accounts. I have contacted the companies related with these accounts, and they have confirmed that the late payments were errors and have agreed to update my account and take off the late payments. I would like to convey to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly petition that you update my credit report to reflect these corrections. 



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 2024-08-08 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 am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified several accounts that are reporting late payments inaccurately and I want to dispute the inaccuracy of these accounts. I have contacted the companies related with these accounts, and they have confirmed that the late payments were errors and have agreed to update my account and take off the late payments. I would like to convey to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly petition that you update my credit report to reflect these corrections. 



XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 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:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some 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 non-monetary relief
Consumer complaint received 2024-08-08 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: CA

Complaint narrative:
I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified several accounts that are reporting late payments inaccurately and I want to dispute the inaccuracy of these accounts. I have contacted the companies related with these accounts, and they have confirmed that the late payments were errors and have agreed to update my account and take off the late payments. I would like to convey to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly petition that you update my credit report to reflect these corrections. 



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 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
oIn accordance with the fair credit Reporting act.. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c 1681. 

Account Name.. XXXX XXXX XXXX XXXX XXXX ... Account Name.. XXXX XXXX XXXX  ... # XXXX Account Name .XXXX XXXX XXXX XXXX XXXX ... Account Name... XXXX XXXX XXXX XXXX XXXX XXXX ... Account name... XXXX XXXX XXXX XXXX XXXX XXXX  Account Name.. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ... Account Name .... XXXX XXXX XXXX  ... Account # XXXX ... Account Name... XXXX XXXX XXXX XXXX XXXX ... Account Name... XXXX XXXX XXXX XXXX XXXX  ... Account Name... XXXX XXXX XXXX XXXX ... Account Name ... XXXX XXXX XXXX XXXXXXXX ... 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 an account without my written instructions.. 15 u.s.c 1681C. ( A ) ( 5 ) section states : No consumer reporting agency may make any following items of information any other adverse item of information, other than records of convictions of crimes which antedates the reprt by more than seven years. 15 u.s.c 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-08 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: IL

Complaint narrative:
Recently i looked at a copy of my credit report and noticed several inaccuracies on my accoutrement. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. I never applied for any of the accounts listed and would please like them removed from my report. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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

Complaint narrative:
I am writing to formally request the deletion of two student loan accounts from my credit reports. 
U.S. Department of EducationXXXX XXXX Account # XXXX U.S. Department of EducationXXXX Account XXXX XXXX My request is based on the fact that my personal information was compromised in data breach ( s ) involving Experian.

As a result of the data breach ( s ), my personal information, including my student loan account details, was exposed, leading to potential inaccuracies and unauthorized access to my credit file. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, I have the right to request the removal of any information that is the result of identity theft or fraudulent activity.

I believe that the data breach constitutes a violation of the security and accuracy of my personal information, as outlined under the FCRA. Specifically, the FCRA mandates that consumer reporting agencies and furnishers of information must ensure that the information they provide and maintain is accurate and secure. Due to the breach, this standard has not been upheld, and my student loan account information may be compromised.

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 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 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: DISCOVER BANK
State: TX

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

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

Complaint narrative:
The XXXX XXXX XXXX account reporting to the bureaus is a result of identity theft and should be blocked from my credit report. I asked for the bureaus to send documentation of how they verified the account and information with the creditor but I have not received a document

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 2024-08-08 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: MI

Complaint narrative:
XXXX : XXXX XX/XX/2024 XXXX, TransUnion, and XXXX Subject XXXX Dispute of Negative Items on Credit Report Dear XXXX, XXXX, and TransUnion I am writing to formally dispute the multiple negative items listed on my credit report, as provided by your agencies. I request a thorough investigation of these items, as I believe they are inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ). 

The negative items I wish to dispute are as follows : XXXX. LXXXX XXXX ( XXXX, TransUnion, XXXX ) XXXX. XXXX Bank XXXX TransUnion, XXXX ) XXXX. XXXX XXXX ( TransUnion, XXXX ) XXXX. XXXX XXXX ( TransUnion, XXXX ) XXXX. XXXX XXXX Bank XXXX TransUnion, XXXX ) XXXX. XXXX XXXX XXXX XXXX TransUnion, XXXX ) XXXX. XXXX XXXXXXXX XXXX XXXX TransUnion, XXXX ) XXXX. XXXX XXXX ( TransUnion, XXXX ) XXXX. ALL INQUIRIES NOT TIED TO AN ACTIVE ACCOUNT. 

These negative entries are related to adhesion contracts, which I believe are inherently unfair and may not represent a true reflection of my creditworthiness. I am requesting that you provide validation of these debts, including the original creditor information and any signed agreements.

Additionally, I have concerns regarding the involvement of your agencies in practices that may be construed as peonage. Peonage is an illegal system of involuntary servitude and is punishable under federal law. Should I find that these negative items are not only inaccurate but also tied to predatory practices, I will take further action to protect my rights. 

Please investigate these matters and inform me of the results at your earliest convenience. I appreciate your attention to this issue, and I expect a response within the XXXX timeframe as mandated by the FCRA. 

Thank you for your prompt attention to this matter. 

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 non-monetary relief
Consumer complaint received 2024-08-08 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: MI

Complaint narrative:
XXXX : XXXX XX/XX/2024 Equifax, XXXX, and Equifax Subject XXXX Dispute of Negative Items on Credit Report Dear XXXX, Equifax, and XXXX I am writing to formally dispute the multiple negative items listed on my credit report, as provided by your agencies. I request a thorough investigation of these items, as I believe they are inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ). 

The negative items I wish to dispute are as follows : XXXX. XXXX XXXX  ( Equifax, XXXX, XXXX ) XXXX. XXXX Bank XXXX XXXX, XXXX ) XXXX. XXXX XXXX ( XXXX, XXXX ) XXXX. XXXX XXXX ( XXXX, XXXX ) XXXX. XXXX XXXX Bank XXXX XXXX, XXXX ) XXXX. Department of Education XXXX XXXX, XXXX ) XXXX. XXXX XXXX Bank XXXX XXXX, XXXX ) XXXX. XXXX XXXX ( XXXX, XXXX ) XXXX. ALL INQUIRIES NOT TIED TO AN ACTIVE ACCOUNT. 

These negative entries are related to adhesion contracts, which I believe are inherently unfair and may not represent a true reflection of my creditworthiness. I am requesting that you provide validation of these debts, including the original creditor information and any signed agreements.

Additionally, I have concerns regarding the involvement of your agencies in practices that may be construed as peonage. Peonage is an illegal system of involuntary servitude and is punishable under federal law. Should I find that these negative items are not only inaccurate but also tied to predatory practices, I will take further action to protect my rights.

Please investigate these matters and inform me of the results at your earliest convenience. I appreciate your attention to this issue, and I expect a response within the XXXX timeframe as mandated by the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX : XXXX

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

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, 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 XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( XXXX ). 

I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company XXXX XXXX, for myself XXXX XXXX last XXXX Social Security number is XXXX, XXXX : XX/XX/1993. Please delete the following accounts. ; XXXX bal {$10000.00} ; XXXX XXXX XXXX XXXX. {$9900.00}

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

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, 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 XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company XXXX XXXX, for myself XXXX XXXX last XXXX Social Security number is XXXX, XXXX : XX/XX/year>. Please delete the following accounts. ; XXXX bal {$10000.00} ; XXXX XXXX XXXX XXXX. {$9900.00}

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 2024-08-08 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: HI

Complaint narrative:
I trust this message finds you well. I am writing to express my deep concern and frustration regarding the ongoing presence of fraudulent items despite our repeated attempts to address this issue. Despite the resources and measures allocated to identify and remove these items, it is disheartening to observe their continued infiltration into our system. I urge you to conduct a comprehensive review of our fraud detection and prevention measures to identify any systemic weaknesses or loopholes that may be exploited by perpetrators of fraudulent activities. It is imperative that we implement robust controls and enhanced monitoring mechanisms to prevent the recurrence of such incidents in the future. Additionally, I urge you to prioritize staff training and awareness programs to ensure that all team members are equipped with the knowledge and skills necessary to detect and respond effectively to fraudulent activities. Clear accountability measures should also be established to hold individuals responsible for any lapses or oversights in this regard. With this, I am asking for your assistance to remove these fraud items in my credit file : Please help me remove this items immediately 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 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 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 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 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 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 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 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 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 XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-08 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: EQUIFAX, INC.
State: HI

Complaint narrative:
I trust this message finds you well. I am writing to express my deep concern and frustration regarding the ongoing presence of fraudulent items despite our repeated attempts to address this issue. Despite the resources and measures allocated to identify and remove these items, it is disheartening to observe their continued infiltration into our system. I urge you to conduct a comprehensive review of our fraud detection and prevention measures to identify any systemic weaknesses or loopholes that may be exploited by perpetrators of fraudulent activities. It is imperative that we implement robust controls and enhanced monitoring mechanisms to prevent the recurrence of such incidents in the future. Additionally, I urge you to prioritize staff training and awareness programs to ensure that all team members are equipped with the knowledge and skills necessary to detect and respond effectively to fraudulent activities. Clear accountability measures should also be established to hold individuals responsible for any lapses or oversights in this regard. With this, I am asking for your assistance to remove these fraud items in my credit file : Please help me remove this items immediately : 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 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 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 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 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 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 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 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 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 XXXX XXXX

Company response to consumer: Closed with non-monetary relief