vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-23 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: OH

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The debts are considered a charge off.

However, these are actually considered income because I should have received a 1099 C in order to account these as income. These are not charge offs. I'm requesting these charge offs be removed because it is not debt This is considered income and income should not be reported on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 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: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

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 2024-12-23 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:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

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 2024-12-23 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: AZ

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: AZ

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-12-23 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: NJ

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2024-12-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I XXXX XXXX disputed national credit systems account number XXXX on XX/XX/year> due to my identity being compromised. XXXX completed there investigation on XX/XX/year>. I am requesting a description of the procedure that was used to determine the accuracy and completeness of the information that I disputed. Who did transunion interveiw regarding this account? How did you come to this determination? I would like a copy of the original contract using my signature that I actual signed for this debt. I would also like a copy of my payment history that Ive done with them as well as the name and the address of the creditor. I need proof that I owned it sign this debt. ( 15 U.S.C 1681i ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: GA

Complaint narrative:
XX/XX/XXXX a company call XXXX XXXX  reported on my Equifax credit report. My score now as of today has dropped almost XXXX points! I never applied for anything with this company. I have never heard of them. They stated I got a loan with them in XXXX XXXX they charged this off in XXXX. Also stating I was 6 months delinquent owing {$55.00} when I called they stated that the {$55.00} was their introductory fee? How am I being charged for something I never used and have no clue of. I have asked for proof and documents showing I signed for this product. They sent me an email stating I need to send copies of where I have filed fraud complaints. Then I get another email stating I have one day to respond to their email or they are closing my fraud investigation request. This company is a scam from my r research online I didnt know anything about them until XXXX XXXX sent me a notification about them on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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 for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and are inaccurate orincomplete. I am requesting that the item be investigatedto correct the information. Please correct the item below : 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 2024-12-23 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: TX

Complaint narrative:
I have no affiliation with these creditors and did not initiate these inquiries. Kindly proceed to promptly remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: GA

Complaint narrative:
On XX/XX/year> I disputed accounts with XXXX XXXX Equifax with supporting documentation attached. I was then sent an email stating my identity could not be verified. I proceeded to upload my ID, SSN & Utility Bill. I also contacted them same day to notify them of my upload. These accounts were supposed to be removed within 4 business days per 15 U.S.C 1681 c-2 section 605b. Unfortunately, XXXX XXXX Equifax failed to comply causing significant damage to my score thus hindering me from obtaining credit. I have spoken with multiple agents who insist the job will be done and I should receive an alert of the updated results once completed in 4 business days. I have not received that information. Upon checking my XXXX, I came upon and added that was added but then immediately removed. I reached out to XXXX and to my alarming surprise was told that the address had came from the dark web and that my information had been exposed. Prior to, I uploaded proof that my information was exposed in an Equifax data breach as well as a XXXX data breach XXXX was entitled to compensation. I am aware that I am also entitled to a fair, accurate and complete credit report under the FCRA and wish to exercise my rights. I have attached my XXXX report to reflect what accounts should be on my report including how my personal information should be viewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: NJ

Complaint narrative:
I am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile. 

Specifically, I request the removal of the incorrect addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also request that my credit profile be updated with the accurate information : Full Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth. 
A recent utility bill confirming my current address. 
A copy of my Social Security card verifying my SSN. 

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report. 
Update my credit profile with the correct details listed above. 
Provide written confirmation of the corrections and supply an updated credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 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: VA

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 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: VA

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: NC

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NC

Complaint narrative:
On or about XX/XX/XXXX. A Dispute on XXXX had been submitted against a collections account ( COMLUMBIA DEBT RECOVERY XXXX, WA XXXX ) ( Date Opened XX/XX/XXXX. ) for a past due balance of XXXX XXXX XXXX XXXX and XXXX XXXX and XXXX Cents. ( {$10000.00}. ) ( Account Number # : XXXX ) the dispute was Un-Resolved and did not meet lawful conduction and expectation. According to my rights under the Fair Debt Collection Practices Act ( FDCPA ) If this account has been verified as accurate, I need to see ( COLUMBIA DEBT RECOVERY located at XXXX, WA XXXX ) Methods of Verification and how they are reporting and demanding a collection with a past due balance of {$10000.00}. If they can not provide such information. ( See, Contract Law. ) I demand this be deleted and corrected on my credit report ( s ) immediately.

Also, pursuant to 18 USC 8. I owe no debt. This company ( COLUMBIA DEBT RECOVERY located at XXXX, WA XXXX ) is in violation of my consumer rights and privacy pursuant to 15 USC 1681b 2. ( COLUMBIA DEBT RECOVERY ) also has no permission to report ANYTHING using my information pursuant to 15 USC 1681 4. ( Also See, 15 USC 1692c, 15 USC 1692g and 15 USC 1681e ( b ).

Specially I'm requesting the following information.

1. ) " Proof of the original debt. '' Please provide the original creditors purchase agreement or E-document that substantiates the debt. This should include a detailed account of the original amount, the date of the original transaction, and the specific goods or services for which '' the debt was incurred. 
2. ) " Verification of Your Legal Right to Collect : *Please provide a copy of the assignment or transfer of the debt, including any supporting documentation that shows you have the legal right to collect this debt.

3. ) *Details of the Original Creditor : * Please provide the name and contact information of the original creditor, including any relevant account numbers.

4. ) *Itemized Accounting of the Debt : * I request a complete breakdown of all amounts currently being claimed, including any fees, interest, or other charges. 

Until ( COLUMBIA DEBT RECOVERY located at XXXX, WA XXXX ) provides the requested validation, I will not make any payments or acknowledge the legitimacy of this debt. Furthermore, ( COLUMBIA DEBT RECOVERY located at XXXX, WA XXXX ) is Prohibited from reporting this " debt/collection '' to any credit reporting agency until it has been verified correctly. Please be advised that if this debt can not be validated or if ( COLUMBIA DEBT RECOVERY located at XXXX, WA XXXX ) continues to pursue collection without proper validation, I will consider it a violation of the FDCPA and take appropriate legal action. 

Thank you CFPB for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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:
In 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 USC 1681. US DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any 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 explanation
Consumer complaint received 2024-12-23 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: CA

Complaint narrative:
In 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 USC 1681. US DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 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: OH

Complaint narrative:
I am writing to formally dispute the reporting of late payments by XXXX XXXX on my credit report for the months of XX/XX/year>, XX/XX/year>, and XX/XX/year>. I believe the reporting of these late payments violates federal laws, including provisions under 15 U.S.C. 1666b and the Fair Credit Reporting Act ( FCRA ). I am requesting the immediate removal of these entries for the following reasons : 1. Violation of 15 U.S.C. 1666b Under 15 U.S.C. 1666b, creditors are required to apply payments in a timely manner as long as they are received by the due date and meet the creditors reasonable payment requirements. Any deviation from this standard constitutes a violation of the law. I believe these reported late payments were either inaccurately recorded or improperly processed, as no evidence has been provided that justifies this reporting.

2. No Requirement to Report Transactions There is no federal law mandating that creditors report transactions, including late payments, to credit reporting agencies. XXXX XXXX  decision to report these late payments is discretionary, and I have not provided consent for my payment history to be shared with third parties. By reporting this information, XXXX XXXX has violated my privacy rights.

3. Violation of Privacy and Lack of Consent Under the FCRA, reporting of personal financial information must be accurate, fair, and transparent. In this case, XXXX XXXX has reported my payment history without obtaining explicit consent to share this data with credit bureaus. This constitutes a violation of my privacy rights. I did not authorize XXXX XXXX to share this information, and I demand that it be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation