vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
RE : Violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I checked my credit report and noticed the same multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement, a payment made by the obligor, or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

As I know, the creditors did not notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the Creditors that I didn't pay and was marked late because this is clearly a billing error. 
I will list all items again that should be updated to paid as agreed on my consumer report and late marks should also be removed. 
ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX As a consumer by law, these accounts on this letter must be updated and remove inaccurate information immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated.

Also, we were already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ). 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX DC XXXX Dear Sir/Madam, I am writing to file a formal complaint with your agency regarding a persistent issue with the reporting of an account by FCO ( Original Creditor : 09 XXXX XXXX ) across XXXX XXXX XXXX, and XXXX. Despite my repeated efforts to dispute this account and seek validation and verification, the inaccurate and incomplete information continues to negatively impact my credit report. 

Here are the details of the account in question : Account # : XXXX Account Type : Collection Account Type - Detail : Collection Account Status : Derogatory Date Opened : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX XXXX Balance : {$3800.00} Credit Limit : - Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Account information disputed by consumer As per the Fair Credit Reporting Act ( FCRA ) and consumer protection laws, I have made multiple requests for validation information and the opportunity to dispute this account properly. However, the collection agency associated has failed to provide the necessary disclosures and transparency required by law. This raises serious concerns regarding their practices, including potential violations of regulations such as 12 CFR 1006.34 and 15 USC 1681-S2 ( 7 ) ( A ).

I respectfully request the following actions be taken by your agency in addressing this matter : 1. Conduct a thorough investigation into the actions of the collection agency in reporting this account without providing proper validation information.

2. Ensure that I am granted the opportunity to dispute this account in accordance with the designated regulations.

3. Hold the collection agency accountable for any violations of consumer rights, including the use of false, misleading, or deceptive means.

Additionally, I hereby demand the immediate deletion of this account from my credit reports with all three major credit bureaus - XXXX, XXXX, and XXXX. 

I appreciate your attention to this matter and trust that your agency will take the necessary steps to uphold consumer rights and address these concerns promptly. 

Thank you for your assistance in resolving this issue. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, GA 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 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Removal of Incorrect Information from Credit Report To Whom It May Concern, I am writing to dispute and request the removal of inaccurate information from my credit report. Upon reviewing my credit report, I discovered several discrepancies, including incorrect names and addresses. 

Incorrect Name : XXXX XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX As a victim of identity theft in the past, I am deeply concerned about the presence of these inaccuracies on my credit report. I affirm that the name " XXXX XXXX XXXX '' and the addresses listed above are not associated with me. My correct name is XXXX XXXX XXXX XXXX, and my current address is XXXX XXXX XXXX, XXXX, GA XXXX. 

I am requesting that XXXX conduct a thorough investigation into these discrepancies and promptly remove the incorrect name and addresses from my credit report. These inaccuracies not only compromise the integrity of my credit profile but also have the potential to adversely impact my financial standing. 

Enclosed with this letter are copies of documents verifying my identity and current address, including a government-issued ID and a recent utility bill. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to ensure the accuracy and completeness of the information contained in my credit report. Therefore, I kindly request that XXXX take immediate action to rectify these errors. 

Please provide written confirmation once the incorrect information has been rectified and removed from my credit report. 

Thank you for your prompt attention to this matter. I anticipate a swift resolution. 

Sincerely, XXXX XXXX XXXX XXXX Enclosures : Copy of government-issued ID Copy of recent utility bill

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 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Removal of Incorrect Information from Credit Report To Whom It May Concern, I am writing to dispute and request the removal of inaccurate information from my credit report. Upon reviewing my credit report, I discovered several discrepancies, including incorrect names and addresses. 

Incorrect Name : XXXX XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX As a victim of identity theft in the past, I am deeply concerned about the presence of these inaccuracies on my credit report. I affirm that the name " XXXX XXXX XXXX '' and the addresses listed above are not associated with me. My correct name is XXXX XXXX XXXX XXXX, and my current address is XXXX XXXX XXXX, XXXX, GA XXXX. 

I am requesting that XXXX conduct a thorough investigation into these discrepancies and promptly remove the incorrect name and addresses from my credit report. These inaccuracies not only compromise the integrity of my credit profile but also have the potential to adversely impact my financial standing. 

Enclosed with this letter are copies of documents verifying my identity and current address, including a government-issued ID and a recent utility bill. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to ensure the accuracy and completeness of the information contained in my credit report. Therefore, I kindly request that XXXX take immediate action to rectify these errors. 

Please provide written confirmation once the incorrect information has been rectified and removed from my credit report. 

Thank you for your prompt attention to this matter. I anticipate a swift resolution. 

Sincerely, XXXX XXXX XXXX XXXX Enclosures : Copy of government-issued ID Copy of recent utility bill

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX  PA XXXX Subject : Request for Removal of Incorrect Information from Credit Report To Whom It May Concern, I am writing to dispute and request the removal of inaccurate information from my credit report. I recently obtained a copy of my credit report and discovered that there are addresses and a name listed that do not belong to me. 

Incorrect Names : XXXX XXXX XXXX XXXX, XXXX, XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX As a victim of identity theft in the past, I am particularly concerned about inaccuracies in my credit report. I can confirm that the names and the addresses listed above are not associated with me. My correct name is XXXX XXXX XXXX XXXX, and my current address is XXXX XXXX XXXX, XXXX, GA XXXX. 

I am requesting that TransUnion investigate these inaccuracies and remove the incorrect name and addresses from my credit report promptly. This incorrect information not only compromises the accuracy of my credit report but also has the potential to impact my financial standing. 

Enclosed with this letter are copies of documents to verify my identity and current address, including a government-issued ID and a recent utility bill. 

According to the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that my credit report is accurate and up-to-date. I kindly request that you take immediate action to rectify these errors. 

Please provide me with written confirmation once the incorrect information has been removed from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution. 

Sincerely, XXXX XXXX XXXX XXXX Enclosures : Copy of government-issued ID Copy of recent utility bill

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 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MT

Complaint narrative:
On XX/XX/XXXX my wife and I sent paper request to all three credit bureaus for our annual free credit reports. On XX/XX/XXXX XXXX complied and sent our reports. We sent second request on XX/XX/XXXX and as of today no response for Equifax and XXXX XXXX. In XXXX we had the same issue with only Equifax and had to file a complaint to get our free report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: EQUITY LOANS LLC
State: NJ

Complaint narrative:
I have informed Equity Prime mortgage that I have decided not to close and complete the closing process with Equity Prime mortgage and have been asking/requesting them to close my file, but they are continue to give me the run around refusing to acknowledge my request to close my account. I have been requesting Equlity Prime mortgage to perform a Lender-to-Lender process to remove them from my appraisal report so that my new lender with a different mortgage company can use my appraisal report that I have already paid for.

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 2024-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX XXXX : XX/XX/XXXX XX/XX/XXXX Regions Bank XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX Subject : Request for XXXX Paperwork for Charged Off Debt Account Number ( XXXX ) Dear Sir/Madam, I hope this letter finds you well. I am writing to request XXXX99 paperwork for a charged off debt account number associated with my account. The account number in question is XXXX. 
As a responsible taxpayer, it is essential for me to ensure that all relevant tax documents are accurately filed. Given the change in the status of this debt account, I kindly request that Regions Bank provide me with the necessary 1099-C paperwork at your earliest convenience. 
Please find the details of the account below : Account Holder Name : XXXX XXXX XXXX Account Number : XXXX I would appreciate it if you could expedite this request to ensure that I have ample time to include this information in my tax filings for the current year. If there are any additional forms or procedures required from my end to facilitate this process, please do not hesitate to inform me. 
You can reach me at ( XXXX ] if there are any questions or if further information is needed regarding this matter. 
Thank you for your prompt attention to this request. I look forward to receiving the necessary paperwork from Regions Bank soon. 
Yours sincerely, XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX, P.A., XXXX XXXX XXXX, XXXX XXXX XXXX, FL 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 2024-05-19 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: DE

Complaint narrative:
On XX/XX/2022 I requested XXXX to investigate and remove a charge off .Report Number XXXX This account is not mine.

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 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: FactorTrust, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX Subject : Request for Removal of Incorrect Information from Credit Report To Whom It May Concern, I am writing to dispute and request the removal of inaccurate information from my credit report. I recently obtained a copy of my credit report and discovered that there are addresses and a name listed that do not belong to me. 

Incorrect Names : XXXX XXXX XXXX XXXX, XXXX, XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX As a victim of identity theft in the past, I am particularly concerned about inaccuracies in my credit report. I can confirm that the names and the addresses listed above are not associated with me. My correct name is XXXX XXXX XXXX XXXX, and my current address is XXXX XXXX XXXX, XXXX, GA XXXX. 

I am requesting that XXXX investigate these inaccuracies and remove the incorrect name and addresses from my credit report promptly. This incorrect information not only compromises the accuracy of my credit report but also has the potential to impact my financial standing. 

Enclosed with this letter are copies of documents to verify my identity and current address, including a government-issued ID and a recent utility bill. 

According to the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that my credit report is accurate and up-to-date. I kindly request that you take immediate action to rectify these errors. 

Please provide me with written confirmation once the incorrect information has been removed from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution. 

Sincerely, XXXX XXXX XXXX XXXX Enclosures : Copy of government-issued ID Copy of recent utility bill

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX Subject : Request for Removal of Incorrect Information from Credit Report To Whom It May Concern, I am writing to dispute and request the removal of inaccurate information from my credit report. I recently obtained a copy of my credit report and discovered that there are addresses and a name listed that do not belong to me. 

Incorrect Names : XXXX XXXX XXXX XXXX, XXXX, XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX As a victim of identity theft in the past, I am particularly concerned about inaccuracies in my credit report. I can confirm that the names and the addresses listed above are not associated with me. My correct name is XXXX XXXX XXXX XXXX, and my current address is XXXX XXXX XXXX, XXXX, GA XXXX. 

I am requesting that XXXX investigate these inaccuracies and remove the incorrect name and addresses from my credit report promptly. This incorrect information not only compromises the accuracy of my credit report but also has the potential to impact my financial standing. 

Enclosed with this letter are copies of documents to verify my identity and current address, including a government-issued ID and a recent utility bill. 

According to the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that my credit report is accurate and up-to-date. I kindly request that you take immediate action to rectify these errors. 

Please provide me with written confirmation once the incorrect information has been removed from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution. 

Sincerely, XXXX XXXX XXXX XXXX Enclosures : Copy of government-issued ID Copy of recent utility bill

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Removal of Incorrect Information from Credit Report To Whom It May Concern, I am writing to dispute and request the removal of inaccurate information from my credit report. Upon reviewing my credit report, I discovered several discrepancies, including incorrect names and addresses. 

Incorrect Name : XXXX XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX As a victim of identity theft in the past, I am deeply concerned about the presence of these inaccuracies on my credit report. I affirm that the name " XXXX XXXX XXXX '' and the addresses listed above are not associated with me. My correct name is XXXX XXXX XXXX XXXX, and my current address is XXXX XXXX XXXX, XXXX, GA XXXX. 

I am requesting that Equifax conduct a thorough investigation into these discrepancies and promptly remove the incorrect name and addresses from my credit report. These inaccuracies not only compromise the integrity of my credit profile but also have the potential to adversely impact my financial standing. 

Enclosed with this letter are copies of documents verifying my identity and current address, including a government-issued ID and a recent utility bill. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to ensure the accuracy and completeness of the information contained in my credit report. Therefore, I kindly request that Equifax take immediate action to rectify these errors. 

Please provide written confirmation once the incorrect information has been rectified and removed from my credit report. 

Thank you for your prompt attention to this matter. I anticipate a swift resolution. 

Sincerely, XXXX XXXX XXXX XXXX Enclosures : Copy of government-issued ID Copy of recent utility bill

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-19 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: PA

Complaint narrative:
I am writing to inform you that I am a victim of identity theft. After recently reviewing my credit report, I discovered several accounts and inquiries that I did not open or authorize. I am requesting that these fraudulent entries be removed from my credit report immediately.

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 2024-05-19 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: PA

Complaint narrative:
I am writing to inform you that I am a victim of identity theft. After recently reviewing my credit report, I discovered several accounts and inquiries that I did not open or authorize. I am requesting that these fraudulent entries be removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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