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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/year> XXXX XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Equifax credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$2200.00} XXXX  XXXX Balance Owed : {$3700.00} XXXX  XXXX Balance Owed : {$2200.00} XXXX  XXXX Balance Owed : {$3700.00}

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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 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 filing this formal complaint to dispute the reporting of a late payment by XXXX XXXX XXXX, Account Number : XXXX, on my credit report for XX/XX/year>. I believe this reporting violates my privacy and federal laws, and I am requesting the immediate removal of this late payment from my credit file for the following reasons : XXXX. Violation of 15 U.S.C. 1666b Under the Fair Credit Billing Act, 15 U.S.C. 1666b, late payment reporting must align with specific provisions and timelines to ensure accuracy and compliance. This provision ensures that no erroneous or unfair reporting takes place, particularly when it involves timing disputes or miscommunication. In this case, XXXX XXXX XXXX has reported a late payment without properly substantiating the legitimacy or circumstances of the report. 

XXXX. No Legal Obligation to Report Transactions There is no law requiring creditors to report any transaction or account activity to credit bureaus. Reporting such transactions, including alleged late payments, is a voluntary action by creditors. As such, I did not provide explicit consent to XXXX XXXX XXXX to report this information, and this action constitutes an invasion of my privacy. The reporting of this late payment, especially without my consent, is misleading and harmful to my creditworthiness. 

XXXX. Violation of Privacy and Lack of Consent The reporting of my personal financial information, including late payments, without my explicit consent infringes upon my right to privacy. I did not authorize XXXX XXXX XXXX to share or report this information to credit bureaus, and such unauthorized reporting constitutes a breach of my rights as a 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 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I am filing this formal complaint to dispute the reporting of a late payment by XXXX XXXX XXXX, Account Number : XXXX, on my credit report for XX/XX/2024. I believe this reporting violates my privacy and federal laws, and I am requesting the immediate removal of this late payment from my credit file for the following reasons : XXXX. Violation of 15 U.S.C. 1666b Under the Fair Credit Billing Act, 15 U.S.C. 1666b, late payment reporting must align with specific provisions and timelines to ensure accuracy and compliance. This provision ensures that no erroneous or unfair reporting takes place, particularly when it involves timing disputes or miscommunication. In this case, XXXX XXXX XXXX has reported a late payment without properly substantiating the legitimacy or circumstances of the report. 

XXXX. No Legal Obligation to Report Transactions There is no law requiring creditors to report any transaction or account activity to credit bureaus. Reporting such transactions, including alleged late payments, is a voluntary action by creditors. As such, I did not provide explicit consent to XXXX XXXX XXXX to report this information, and this action constitutes an invasion of my privacy. The reporting of this late payment, especially without my consent, is misleading and harmful to my creditworthiness. 

XXXX. Violation of Privacy and Lack of Consent The reporting of my personal financial information, including late payments, without my explicit consent infringes upon my right to privacy. I did not authorize XXXX XXXX XXXX to share or report this information to credit bureaus, and such unauthorized reporting constitutes a breach of my rights as a consumer.

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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

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. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.

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: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC
State: TX

Complaint narrative:
In keeping with federal guidelines and applicable state mandates, no body ( ies ) can report injurious facts if they diverge from ethicalness, truth, fairness, accuracy, adequate completeness, necessary timeliness, verifiability, validity, and/or certifiable compliance with reporting mandates. 

An infraction occurs when a reporter ( s ) and/or any receiving repository ( ies ) act willfully non-compliant, either with assent or in negligent ignorance, or recklessly disregard the expectations and actual credit reporting behaviors required by law. Failure to ensure adherence to established credit reporting standards does NOT automatically justify allowing factually erroneous or incomplete claims to be reported injuriously and unfairly to a consumer. However, it is undeniable that the very deliberate nature of industry standards is designed to ensure participants act in greatest accord with legally established vicissitudes.

The CDIAs CRRG manual details the requisites for alleging consumer information, including the mandatory exercise of the Metro 2 Data-filled Field Formatted reporting standard ( s ), from which there can be no deviation without jeopardizing the integrity and rectitude of any claims made by a reporter and accepted by any repository of consumer credit details.

It is the lack of provable integrity that lays the very foundation for a potentially injured consumer to be concerned about any claim ( s ) s supposed information forwarded. If such information lacks certainty of fact, it raises reasonable doubt about the credibility of the reporting process.

For this and other reasons I will outline further below, I DEMAND THAT YOU REMOVE immediately and until certifiably compliant reporting procedures are followed, the currently improperly recited allegations, which are inept due to the reporter 's failure to satisfy the privilege to report. This request also pertains to any involved body or entity responsible for handling the claim, which has failed to successfully navigate through and beyond the challenge I have presented.

I demand that you confirm and provide documentary evidence demonstrating that all factual, certifiable, and compliant reporting procedures, practices, and standards were absolutely adhered to in full accordance with the applicable mandates that all reporting bodies MUST have obeyed.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FTC XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX FTC XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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: NJ

Complaint narrative:
Im writing today to voice a concern about an issue which the credit bureau has not complied with. The following accounts are in litigation. Under current codes i have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Bureau has yet to remove the item nor done any level of investigation to support their position. I need these accounts removed due to the rules of estoppel. 
XXXX XXXX & XXXX  XXXX

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 dispute the collection account reported by XXXX XXXX XXXX in the amount of {$2400.00}, last reported on XX/XX/year>. I am requesting the immediate removal of this account, along with the original creditor 's information, from my credit report for the following reasons : XXXX. Violation of 15 U.S.C. 1692c Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), a debt collector must cease all communication with a consumer if the consumer notifies the collector in writing that they refuse to pay the debt. I previously notified XXXX XXXX XXXX in writing that I refuse to pay the alleged debt. Despite this notification, XXXX XXXX XXXX has continued to report the account to credit bureaus, constituting indirect communication that violates the law. 

The continued reporting of this collection account and the association of the original creditor information on my credit report represents a clear failure by XXXX XXXX XXXX to comply with the FDCPA. 

XXXX. Failure to Cease Communication Despite my written notice, XXXX XXXX XXXX has engaged in ongoing communication by reporting this account to credit bureaus. This indirect communication has caused undue harm to my credit profile and financial standing, in direct violation of my rights under 15 U.S.C. 1692c ( c ).

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: DE

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED 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: 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: FL

Complaint narrative:
Debt invalid as it was brought to Florida civil court and plaintiff dismissed with prejudice ( XXXX XXXX XXXX XXXX ) per Rule 1.420 of the Florida Rules of Civil Procedure. Open disputed to have it removed from my report per invalid.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

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 non-monetary relief