vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I contacted XXXX XXXX in XX/XX/XXXX to have them report a credit card in good standing that was not listed on a credit report. I mentioned that I was discharged from bankruptcy in XX/XX/XXXX but this account was not included in my bankruptcy and should remain open and therefore appear on my credit report. XXXX XXXXXXXX muisunderstood and contacted all credit bureaus and asked them to remove the account from the credit report. This is opposite of what I wanted. This also closed my credit card which is not what I wanted. 

In XX/XX/XXXX, I contacted XXXX XXXX to request that they report a credit card in good standing that was missing from my credit report. I explained that I was discharged from bankruptcy on XXXX, but this credit card account was not included in the bankruptcy and remained open. Unfortunately, XXXX XXXX misunderstood my request and instructed all credit bureaus to remove the account from my credit report, which is the opposite of what I wanted. As a result, my credit card was also closed, which was not my intention.

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 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I contacted XXXX XXXX in XX/XX/XXXX to have them report a credit card in good standing that was not listed on a credit report. I mentioned that I was XXXX from bankruptcy in XX/XX/XXXX but this account was not included in my bankruptcy and should remain open and therefore appear on my credit report. XXXX XXXX muisunderstood and contacted all credit bureaus and asked them to remove the account from the credit report. This is opposite of what I wanted. This also closed my credit card which is not what I wanted. 

In XX/XX/XXXX, I contacted XXXX XXXX to request that they report a credit card in good standing that was missing from my credit report. I explained that I was XXXX from bankruptcy on XXXX, but this credit card account was not included in the bankruptcy and remained open. Unfortunately, XXXX XXXX misunderstood my request and instructed all credit bureaus to remove the account from my credit report, which is the opposite of what I wanted. As a result, my credit card was also closed, which was not my intention.

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 2024-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I do not owe them XXXX dollars. I made my last payment and tried to close the acct. they did not allow me to do so and now they are reporting what i do not owe to my credit report. 
under the FCRA, Fair Debt Collection Practices Act ( FDCPA ) This U.S. federal law ( 15 U.S.C. 1692 et seq. ) regulates the conduct of debt collectors, including prohibiting harassment, misleading statements, and abusive practices. It requires that debt collectors provide written validation of the debt if you request it and sets limitations on when and how debt collectors can contact you.

Fair Credit Reporting Act ( FCRA ) This law ( 15 U.S.C. 1681 et seq. ) ensures that information about your credit history, including debts, is reported accurately. If a debt is sold to a third party without your consent, and the reporting is inaccurate or misleading, you may have grounds for challenging it under the FCRA.

Uniform Commercial Code ( UCC ) Under the UCC, specifically UCC 9-309, debt transfers ( such as the sale of a credit card debt ) must be properly documented. A creditor or collector who buys a debt must have legal standing to collect on it, and the terms of the sale should be clear. If a debt was sold improperly, a consumer could argue that the third party does not have the legal right to collect. 
Consumer Financial Protection Bureau ( CFPB ) Regulations The CFPB provides guidelines and enforces rules about debt collection practices, including prohibitions against deceptive and unfair practices. If you believe you are being subjected to predatory practices, filing a complaint with the CFPB may help resolve the issue.

State-Specific Consumer Protection Laws Many states have additional consumer protection laws that might apply, such as the California XXXX Fair Debt Collection Practices Act or similar state statutes. These laws often provide more stringent protections against predatory collections and debt sales.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TEXAS HIGHER EDUCATION COORDINATING BOARD
State: TX

Complaint narrative:
I was issued a Total and Permanent Discharge by the Department of Education on XXXX. When trying to get the 3 credit bureaus to remove from credit report, they are constantly informed the information is correctly stated. When the Loan agencies are called, they pass me around from company to company. XXXX, XXXXXXXX XXXX XXXXXXXX XXXX etc. All informing me that I have no loans in my name. However, they can not remove me from the report since it is reported as different amounts and lenders than on my TPD form and the loan is listed as consolidated. I can not get any information on separating the spousal consolidation, only I must get on the Education website and apply. No form exists, no-one will assist. The loan is forgiven, yet still shows under my credit reports. Because I am retired with limited income, I can not get a loan anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Following the Fair Credit Reporting Act, the unauthorized inquiry below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, the unauthorized inquiry below have violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C1681c. ( 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 ) ( a ) 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. Please delete the unauthorized inquiry listed below : Creditor Name : XXXX XXXX, Date of inquiry : XXXX  Experian. 
Creditor Name : XXXX XXXX XXXX. Date of inquiry : XXXX  Experian. Creditor Name : XXXX XXXX XXXX XXXX Date of inquiry : XXXX, Experian.

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 2024-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FinCo Services Inc DBA Current
State: OH

Complaint narrative:
I noticed on XX/XX/XXXX there was a credit card by the name of Current that was opened in my name on XX/XX/XXXX and today I received and email that they have changed the address from XXXX XXXX XXXX I have a freeze on my credit so Im Not exactly sure how this happened

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Following the Fair Credit Reporting Act, the list of unauthorized inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, the unauthorized inquiries below have violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C1681c. ( 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 ) ( a ) 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. Please delete the unauthorized inquiries listed below : Creditor Name : XXXX XXXX, Date of inquiry : XXXX, Equifax. Creditor Name : XXXX XXXX XXXX Date of inquiry : XXXX Equifax. Creditor Name : XXXX XXXX XXXX Date of inquiry : XXXX, Equifax. Creditor Name : XXXX XXXX Date of inquiry : XXXX Equifax. Creditor Name : XXXX XXXX XXXX, Date of inquiry : XXXX, Equifax. Creditor Name : XXXX XXXX XXXX, Date of inquiry : XXXX, Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
RE : Incorrect Social Security Number Reporting - Account # XXXX I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., to dispute the reporting of a XXXX XXXX XXXX  account to an incorrect Social Security Number. This error constitutes a violation of multiple sections of the FCRA : 1. 15 U.S.C. 1681e ( b ) requires that " whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' 2. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) states that furnishers of information may not furnish information relating to a consumer to any consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

3. 15 U.S.C. 1681i ( a ) ( 1 ) requires a prompt investigation of disputed information in a consumer 's file.

correct SSN is attached in application from bank ending 2233 Under 15 U.S.C. 1681s-2 ( a ) ( 2 ), you have a duty to correct and update information you have determined to be incomplete or inaccurate. I request that you : 1. Immediately investigate this error 2. Correct the Social Security Number associated with this account 3. Notify all credit reporting agencies of this error 4. Provide me with written confirmation once the correction has been made Per 15 U.S.C. 1681i ( a ) ( 6 ), I request that you send me the results of your investigation in writing. If you find that the information is indeed incorrect, you must promptly delete or correct the information pursuant to 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

Thanks

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 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
RE : Incorrect Social Security Number Reporting - Account # XXXX I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., to dispute the reporting of a XXXX XXXX XXXX  account to an incorrect Social Security Number. This error constitutes a violation of multiple sections of the FCRA : 1. 15 U.S.C. 1681e ( b ) requires that " whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' 2. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) states that furnishers of information may not furnish information relating to a consumer to any consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

3. 15 U.S.C. 1681i ( a ) ( 1 ) requires a prompt investigation of disputed information in a consumer 's file.

correct SSN is attached in application from bank ending 2233 Under 15 U.S.C. 1681s-2 ( a ) ( 2 ), you have a duty to correct and update information you have determined to be incomplete or inaccurate. I request that you : 1. Immediately investigate this error 2. Correct the Social Security Number associated with this account 3. Notify all credit reporting agencies of this error 4. Provide me with written confirmation once the correction has been made Per 15 U.S.C. 1681i ( a ) ( 6 ), I request that you send me the results of your investigation in writing. If you find that the information is indeed incorrect, you must promptly delete or correct the information pursuant to 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

Thanks

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 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Violations of the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ) Dear CFPB, I am submitting this formal complaint regarding the mishandling of my disputes concerning the XXXX  XXXX XXXX account ( Account # XXXX ) on my credit report. Despite previous disputes submitted on XX/XX/XXXX, and XX/XX/XXXX, no changes have been made, and the inaccuracies remain unaddressed.

These errors violate my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Additionally, my payments were significantly affected during the COVID-19 pandemic, requiring protection under the CARES Act and 15 U.S.C. 1681s-2, which mandates leniency for consumers impacted by national emergencies.

Reasons for Complaint Violations of the Fair Credit Reporting Act ( FCRA ) : Investigation Requirements ( 15 U.S.C. 1681i ) : Experian failed to conduct a reasonable investigation or provide the necessary description of the investigation process.

Permissible Purposes ( 15 U.S.C. 1681b ( 2 ) ) : The information on this account was not handled according to permissible purposes and standards.

Privacy Rights ( 15 U.S.C. 1681a ( 4 ) ) : The continued reporting of inaccurate and derogatory information infringes on my privacy rights.

Description of Investigation ( 15 U.S.C. 1681i ( 7 ) ) : I have not received the required explanation of the investigation process.

Violations of the Truth in Lending Act ( TILA ) : Disclosure Requirements : Experian failed to provide accurate disclosures regarding the accounts status, violating TILA regulations.

Federal Consumer Protections ( CARES Act ) : During the COVID-19 pandemic, this account was affected by financial hardships, and protections under the CARES Act were not applied appropriately.

Immediate Action Requested I request the immediate deletion of the inaccurate information regarding the following account : Account Number : XXXX High Balance : {$0.00} Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Account Status : Closed Payment Status : Unpaid balance reported as a loss by credit grantor.

Two-Year Payment History Inaccuracies : Late payments inaccurately reported for XXXX ( 30 ), XXXX ( 60 ), and XXXX ( 90+ ). 
Attachments : Copies of previous dispute letters ( dated XX/XX/XXXX, and XX/XX/XXXX ). 
Identification and supporting documentation.

Sincerely, 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