vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-02 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: SC

Complaint narrative:
According to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, credit reporting agencies are required to ensure the accuracy and completeness of the information they report. Specifically, the bankruptcy was dismissed and should not have any negative impact on my credit score.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692, and the Privacy Act of 1974, 5 U.S. Code 552a, I have the right to dispute any inaccurate information on my credit report and to expect that my personal information is handled with the utmost confidentiality and care. 
It has come to my attention that XXXX is the data provider for this information. I have already opted out of XXXX, and my data should no longer be reported by them. Furthermore, in light of the legal precedent set by XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX  XXXX ), superficial investigations are not sufficient for verifying information. Therefore, I request that you conduct a thorough investigation and remove the inaccurate bankruptcy information from my credit report immediately. Please provide me with written confirmation that this information has been deleted. 
After several disputes there is still a lack of method of verification. Under 15 U.S.C. 1681i, I request an immediate reinvestigation of this bankruptcy reporting to verify its accuracy. Additionally, any inaccurate information should be corrected or deleted in compliance with the FCRA. 
Furthermore, the Bankruptcy Code, specifically 11 U.S.C. 524, establishes a discharge injunction that prohibits creditors from attempting to collect a discharged debt. This provision ensures that once a debt is discharged, it is no longer legally enforceable, and any attempt to report it inaccurately is a violation of my rights under the bankruptcy law. 
Should you fail to address this dispute adequately, I intend to pursue all available legal remedies to protect my rights and ensure compliance with all applicable laws, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Thank you for your attention to this urgent matter. I look forward to your prompt response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
According to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, credit reporting agencies are required to ensure the accuracy and completeness of the information they report. Specifically, the bankruptcy was dismissed and should not have any negative impact on my credit score.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692, and the Privacy Act of 1974, 5 U.S. Code 552a, I have the right to dispute any inaccurate information on my credit report and to expect that my personal information is handled with the utmost confidentiality and care. 
It has come to my attention that XXXX is the data provider for this information. I have already opted out of XXXX, and my data should no longer be reported by them. Furthermore, in light of the legal precedent set by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), superficial investigations are not sufficient for verifying information. Therefore, I request that you conduct a thorough investigation and remove the inaccurate bankruptcy information from my credit report immediately. Please provide me with written confirmation that this information has been deleted. 
After several disputes there is still a lack of method of verification. Under 15 U.S.C. 1681i, I request an immediate reinvestigation of this bankruptcy reporting to verify its accuracy. Additionally, any inaccurate information should be corrected or deleted in compliance with the FCRA.

Furthermore, the Bankruptcy Code, specifically 11 U.S.C. 524, establishes a discharge injunction that prohibits creditors from attempting to collect a discharged debt. This provision ensures that once a debt is discharged, it is no longer legally enforceable, and any attempt to report it inaccurately is a violation of my rights under the bankruptcy law. 
Should you fail to address this dispute adequately, I intend to pursue all available legal remedies to protect my rights and ensure compliance with all applicable laws, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Thank you for your attention to this urgent matter. I look forward to your prompt response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
Once again one main financial is lying saying things that are not true for one my loan i got a loan with my vehicle and it was total so in my app which I cant access because of them you looked in to something for me and they are lying because if I was not getting a refund why would it say that they are liars and the information that they told you is a lie and why would I be told not once but twice I was getting a refund if I paid it off early I started making payments in XXXX and a recomputed loan and when you call for a pay off because the balance is not it so tell me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: AZ

Complaint narrative:
In accordance with the Fair Credit Recording Act XXXX XXXX XXXX XXXX XXXX  has Violated my rights XXXX XXXX XXXX XXXX A third party Agency. 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 also states a consumer reporting agency can not furnish an account without my written instructions.15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX Never informed me of my right to exercise my nondisclosure option. This account Shows on my credit report as a Charge off and Per the IRS Publication 4681 States, " Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return '' I have attempted to get this off of my credit report can you help me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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: TX

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: TX

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF 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 2024-12-02 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: FL

Complaint narrative:
I am a victim of identity theft, which has led to fraudulent accounts and unauthorized inquiries appearing on my credit report. Two accounts, " XXXX XXXX XXXX '' and " XXXX '' were opened without my consent and continue to negatively impact my credit profile. 

Additionally, numerous inquiries were made under my name between XX/XX/year> and XX/XX/year> without my authorization, including inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Despite providing an FTC Identity Theft Report and disputing these items with the credit bureaus, they remain unresolved, harming my financial standing and creditworthiness. I demand an immediate investigation, the removal of these fraudulent accounts and inquiries, and an explanation of how these items were verified in compliance with the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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: FL

Complaint narrative:
I am a victim of identity theft, which has led to fraudulent accounts and unauthorized inquiries appearing on my credit report. Two accounts, " XXXX XXXX XXXX '' and " XXXX  '' were opened without my consent and continue to negatively impact my credit profile. 

Additionally, numerous inquiries were made under my name between XX/XX/year> and XX/XX/year> without my authorization, including inquiries from XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX 

Despite providing an FTC Identity Theft Report and disputing these items with the credit bureaus, they remain unresolved, harming my financial standing and creditworthiness. I demand an immediate investigation, the removal of these fraudulent accounts and inquiries, and an explanation of how these items were verified in compliance with the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: DISCOVER BANK
State: NY

Complaint narrative:
I was served at my home with a summons on XX/XX/year> that was dated XX/XX/year> in the Supreme Court of the state of NY in XXXX XXXX by XXXX XXXX XXXX XXXX, a company I have never heard of and have never done business with claiming to be attorneys for Discover Bank, but the service was not correct as required by law. I was never given or mailed an additional notice of lawsuit form XXXX, that by law, must have a stamped unsealed envelope addressed to me. I have absolutely no business dealings with XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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: MD

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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: OH

Complaint narrative:
I am writing to formally dispute an error on my credit report that incorrectly reflects my payment history. Upon reviewing my credit report, I noticed that it indicates a late payment associated with my account XXXX. However, I can confirm that I have never missed a payment or made a late payment on this account or any other accounts I hold. 

To resolve this matter, I request that you investigate this discrepancy and update my credit report accordingly. I have spoken to XXXX XXXX my creditor and had any unattended late payments removed from my account statements, which support my claim of an impeccable payment history. 

XXXX is only creditor I have had that has reported a late chrage in my credit history life. On XXXX XXXX they reported my account as deliquent for {$850.00}, however I had already submitted my payment to them on the morining of XX/XX/year> @ {$150.00}. On XX/XX/XXXX @ XXXX they agree to remove the late fee and late charge event however they aren't updating my crdit report. This is causing a major financial issue right now as I deal with XXXX XXXX XXXX XXXX XXXX 

Thank you for your 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 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am writing to formally dispute an error on my credit report that incorrectly reflects my payment history. Upon reviewing my credit report, I noticed that it indicates a late payment associated with my account XXXX. However, I can confirm that I have never missed a payment or made a late payment on this account or any other accounts I hold. 

To resolve this matter, I request that you investigate this discrepancy and update my credit report accordingly. I have spoken to XXXX XXXX my creditor and had any unattended late payments removed from my account statements, which support my claim of an impeccable payment history. 

XXXX is only creditor I have had that has reported a late chrage in my credit history life. On XXXX XXXX they reported my account as deliquent for {$850.00}, however I had already submitted my payment to them on the morining of XX/XX/year> @ {$150.00}. On XX/XX/XXXX @ XXXX they agree to remove the late fee and late charge event however they aren't updating my crdit report. This is causing a major financial issue right now as I deal with XXXX XXXX XXXX XXXX XXXX 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: OH

Complaint narrative:
I am writing to formally dispute an error on my credit report that incorrectly reflects my payment history. Upon reviewing my credit report, I noticed that it indicates a late payment associated with my account XXXX. However, I can confirm that I have never missed a payment or made a late payment on this account or any other accounts I hold. 

To resolve this matter, I request that you investigate this discrepancy and update my credit report accordingly. I have spoken to XXXX XXXX my creditor and had any unattended late payments removed from my account statements, which support my claim of an impeccable payment history. 

XXXX is only creditor I have had that has reported a late chrage in my credit history life. On XXXX XXXX they reported my account as deliquent for {$850.00}, however I had already submitted my payment to them on the morining of XX/XX/year> @ {$150.00}. On XX/XX/XXXX @ XXXX they agree to remove the late fee and late charge event however they aren't updating my crdit report. This is causing a major financial issue right now as I deal with XXXX XXXX XXXX XXXX XXXX 

Thank you for your 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 explanation
Consumer complaint received 2024-12-02 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: MI

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: FL

Complaint narrative:
I am a victim of identity theft, which has led to fraudulent accounts and unauthorized inquiries appearing on my credit report. Two accounts, " XXXX XXXX XXXX XXXX XXXX XXXX XXXX, '' were opened without my consent and continue to negatively impact my credit profile. 

Additionally, numerous inquiries were made under my name between XX/XX/year> and XX/XX/year> without my authorization, including inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Despite providing an FTC Identity Theft Report and disputing these items with the credit bureaus, they remain unresolved, harming my financial standing and creditworthiness. I demand an immediate investigation, the removal of these fraudulent accounts and inquiries, and an explanation of how these items were verified in compliance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: NC

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: MN

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief