vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-11 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Subject : Dispute of Inaccurate Credit Report Information Credit Report Account Number : XXXX Creditor : XXXX XXXX XXXX XXXX Dear CFPB I am writing to formally dispute the inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), which gives me the right to dispute information I believe to be inaccurate or incomplete. 

The account in question is from XXXX XXXX XXXX XXXX, a collections company, with which I have no contractual relationship. Specifically, the details are as follows : Account Number : XXXX Balance : {$2400.00} Date Opened : XX/XX/year> Payment Status : Seriously past due/ Assigned to attorney, collection agency, or credit grantor 's internal collection department Last Reported : XX/XX/year> Dispute Basis : No Contractual Relationship : Under 15 U.S. Code 1692e of the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to report accurate information and must not use any false, deceptive, or misleading representations. I do not have any contractual agreement with XXXX XXXX XXXX XXXX, which invalidates the reporting of this debt on my credit report. 

Inaccurate Reporting of Debt : The FCRA mandates that all information on a consumer 's credit report must be accurate and verifiable. Since there is no contract or agreement between myself and XXXX XXXX XXXX XXXX, the accuracy of this reported debt is in question. Additionally, the absence of payment history and the derogatory information reported without adequate evidence further violates the FCRA. 

Potential Violation of Consumer Rights : The continued reporting of this account as derogatory, without proper verification and in the absence of a valid contract, may constitute a violation of my consumer rights under the FCRA. Additionally, the failure to provide complete information about the payment history and the terms of the alleged debt raises concerns about the legality of this reporting.

Request for Resolution : I request that [ Credit Bureau Name ] conduct a thorough investigation into this matter. If you are unable to verify the accuracy and legality of this information, I demand that this collections account be removed from my credit report immediately.

Please notify me of the outcome of your investigation within the 30-day period as required by the FCRA. If the investigation reveals that the information is inaccurate, I request that the account be removed from my credit report and that I be provided with an updated copy of my report.

Thank you for your prompt attention to this matter. If further information or documentation is required, please do not hesitate to contact me. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 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: VA

Complaint narrative:
This is my second complaint being filed with the CFPB there was no resolution to the first complaint all the negative accounts and transaction history is still on my consumer report unlawfully effecting my ability to obtain credit. I trusted the CFPB to rectify this situation rightfully so and i did not receive my rightful remedy the CFPB actually sold more of my info to Experian. Experian has not provided me the requested original contract with my signature for each and every account that they are reporting on my consumer report, also they did not provide proof of me giving them written instruction to furnish these accounts per 15 USC 1681b Permissible purpose of consumer reports, because Experian can not provide any of this info all listed accounts and inquiries in my attached letter need to be deleted Immediately! Also each individual account I listed I wrote a letter to each company revoking any and all authorization that I XXXX have unknowingly gave them in the past, present, and for future use. Please have Experian delete all negative payment history accounts and All Inquiries immediately or I will be forced to take things further in filing a XXXX XXXX on all companies involved.

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 2024-08-11 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 delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Subject : Dispute of Inaccurate Credit Report Information Credit Report Account Number : XXXX Creditor : XXXX XXXX XXXX Dear [ Credit Bureau Name ], I am writing to formally dispute the inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ). The account in question is from XXXX XXXX XXXX, with the following details : Account Number : XXXX Balance : {$52.00} Original Creditor : XXXX XXXX XXXX Date Opened : XX/XX/year> Payment Status : Seriously past due/ Assigned to attorney, collection agency, or credit XXXX 's internal collection department Balance Date : XX/XX/year> Account Status : Not Satisfying Trade Dispute Basis : No Valid Contract : I do not have any contractual relationship with XXXX XXXX XXXX. Under 15 U.S. Code 1692e of the Fair Debt Collection Practices Act ( FDCPA ), debt collectors must not use false, deceptive, or misleading representations. The absence of a direct contract between myself and XXXX XXXX XXXX invalidates the reporting of this debt on my credit report. 

Inaccurate Reporting : The FCRA mandates that all information on a consumer 's credit report must be accurate and verifiable. The information reported by XXXX XXXX XXXX, including the balance and status of this account, is inaccurate. Furthermore, the account was reported as " Seriously past due '' without sufficient evidence or verification of the debt. 

Potential Consumer Rights Violation : Reporting this account as derogatory without a valid contract and sufficient evidence XXXX constitute a violation of my consumer rights under the FCRA. The lack of detailed payment history and unclear status updates further questions the legality of this reporting. 

Request for Resolution : I request that [ Credit Bureau XXXX ] conduct a thorough investigation into this matter. If you are unable to verify the accuracy and legality of this information, I demand that this collections account be removed from my credit report immediately. 

Please notify me of the outcome of your investigation within the XXXX period as required by the FCRA. If the investigation reveals that the information is inaccurate, I request that the account be removed from my credit report and that I be provided with an updated copy of my report. 

Thank you for your prompt attention to this matter. If further information or documentation is required, please do not hesitate to contact me. 

Sincerely, 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 2024-08-11 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: CT

Complaint narrative:
Please delete all fraudulent accounts off my credit file from XXXX Equifax and XXXX XXXX immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
earlywarning makes it VERY TEDIOUS AND DIFFICULT to request a " free '' report. Fill in paper form and upload to password account. They make Zelle easy to use but throw roadblocks when consumers want information from them

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit 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 2024-08-11 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: EQUIFAX, INC.
State: NY

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
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 an account without my written instructions.

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. 
The information is not accurate and I would like it to be removed from my report, immediately. I have attached supporting documents. Please review. 

I filed a previous complaint ( XXXX ), and the addresses were moved to the previous address section.

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 2024-08-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: NC

Complaint narrative:
I received XXXX XXXX XXXX XXXX around the year XXXX maybe early XXXX for around {$1400.00} for a new account. I did not open this account I then called XXXX XXXX XXXX and they looked into it and said that it was not me and it looked like fraud I thought it was fixed from there then a debt collector called and we spoke about it they also looked into it and said yes this is definitely fraud and said they would contact XXXX XXXX XXXX. Again I thought now it would be done now sunrise collection is calling me about it but I dont trust giving out any information anymore and I do not know how to fix this. I have had great credit since I was XXXXXXXX XXXX XXXX and now I was looking to buy a car and saw my credit score has dropped XXXX points from an unpaid debt that is in collections. I have never missed payments I have had multiple loans and always pay on time.

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 2024-08-11 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Subject : Dispute of Inaccurate Credit Report Information Credit Report Account Number : XXXX Creditor : XXXX XXXX XXXX Dear XXXX Credit Bureau Name ], I am writing to formally dispute the inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ). The account in question is from XXXX XXXX XXXX, with the following details : Account Number : XXXX Balance : {$52.00} Original Creditor : XXXX XXXX XXXX Date Opened : XX/XX/year> Payment Status : Seriously past due/ Assigned to attorney, collection agency, or credit grantor 's internal collection department Balance Date : XX/XX/year> Account Status : Not Satisfying Trade Dispute Basis : No Valid Contract : I do not have any contractual relationship with XXXX XXXX XXXX. Under 15 U.S. Code 1692e of the Fair Debt Collection Practices Act ( FDCPA ), debt collectors must not use false, deceptive, or misleading representations. The absence of a direct contract between myself and XXXX XXXX XXXX invalidates the reporting of this debt on my credit report. 

Inaccurate Reporting : The FCRA mandates that all information on a consumer 's credit report must be accurate and verifiable. The information reported by XXXX XXXX XXXX, including the balance and status of this account, is inaccurate. Furthermore, the account was reported as " Seriously past due '' without sufficient evidence or verification of the debt. 

Potential Consumer Rights Violation : Reporting this account as derogatory without a valid contract and sufficient evidence may constitute a violation of my consumer rights under the FCRA. The lack of detailed payment history and unclear status updates further questions the legality of this reporting.

Request for Resolution : I request that [ Credit Bureau Name ] conduct a thorough investigation into this matter. If you are unable to verify the accuracy and legality of this information, I demand that this collections account be removed from my credit report immediately.

Please notify me of the outcome of your investigation within the 30-day period as required by the FCRA. If the investigation reveals that the information is inaccurate, I request that the account be removed from my credit report and that I be provided with an updated copy of my report.

Thank you for your prompt attention to this matter. If further information or documentation is required, please do not hesitate to contact me. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 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: CT

Complaint narrative:
Please delete all fraudulent accounts off my credit file from XXXX XXXX and Trans Union immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-11 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: CT

Complaint narrative:
Please delete all fraudulent accounts off my credit file from Experian XXXX and XXXX XXXX immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-08-11 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: CA

Complaint narrative:
XX/XX/year> I mailed certified letters to XXXX XXXX and TransUnion proving I was not the account owner nor joint account owner via an affidavit from my father who is the actual account owner along with XXXX XXXX XXXX XXXX. I also demanded XXXX to send me the joint application form to which they returned a form asking me for all my information! Total XXXX if they thought I was sending them that information. In addition I have requested disputes with the credit reporting agencies and sent them all required documentation and they said XXXXXXXX XXXX said it was a joint account. So yes, XXXX and XXXX XXXX XXXX XXXX is a joint account NOT with my name XXXX XXXX XXXX. 
I have not missed a payment on my accounts in XXXX plus years and the reason I caught this was because my father quit paying and it pinged my XXXX XXXX. 
Kindly remove this from my credit report and remove the XXXX XXXX plus liability because it has greatly reduced and harmed my personal credit! Please see attached records.

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 2024-08-11 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XX/XX/year> I mailed certified letters to XXXX Experian and XXXX proving I was not the account owner nor joint account owner via an affidavit from my father who is the actual account owner along with XXXX XXXX XXXX XXXX. I also demanded XXXX to send me the joint application form to which they returned a form asking me for all my information! TotaXXXX XXXX if they thought I was sending them that information. In addition I have requested disputes with the credit reporting agencies and sent them all required documentation and they said XXXX XXXX said it was a joint account. So yes, XXXX and XXXX XXXX XXXX XXXX is a joint account NOT with my name XXXX XXXX XXXX. 
I have not missed a payment on my accounts in XXXX plus years and the reason I caught this was because my father quit paying and it pinged my XXXX XXXX. 
Kindly remove this from my credit report and remove the XXXX XXXX plus liability because it has greatly reduced and harmed my personal credit! Please see attached records.

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 2024-08-11 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: WA

Complaint narrative:
The information reported under this account is factually incorrect. I recently pulled my credit reports and noticed you are reporting incorrect information ( high balance, last verified date, remarks and late payments ) for this account ( XXXX XXXX XXXX ). 

High Balance across the three credit bureaus are inconsistent XXXX {$430.00}, XXXX {$430.00} and Equifax shows {$300.00} Date opened shows inconsistencies XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and Equifax shows XX/XX/XXXX Creditor Type shows inconsistencies shows that says it's a XXXX XXXX XXXX XXXX XXXX Experian- XXXX XXXX XXXX and Equifax shows XXXX Banks XXXX XXXX XXXX says XXXX- Cancelled by credit grantor/, XXXX XXXX has been closed due to inactivity and Equifax shows Closed or paid account/XXXX  balance/account is closed by credit grantor all show signs of inconsistencies Last payments show that XXXX and XXXX has a last payment day of XX/XX/XXXX while Equifax shows a last payment as of XX/XX/XXXX XXXX XXXX Reports a late payment in XX/XX/XXXX ( 30 days late ), but all other months are marked as OK. 
XXXX : Also reports a late payment in XX/XX/XXXX ( 30 days late ), but all other months are marked as OK. 
Equifax : Reports a late payment in XX/XX/XXXX ( 30 days late ), which is inconsistent with the records from XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 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: WA

Complaint narrative:
The information reported under this account is factually incorrect. I recently pulled my credit reports and noticed you are reporting incorrect information ( high balance, last verified date, remarks and late payments ) for this account ( XXXX XXXX XXXX ). 

High Balance across the three credit bureaus are inconsistent XXXX {$430.00}, Experian {$430.00} and XXXX shows {$300.00} Date opened shows inconsistencies XXXX XX/XX/XXXX, Experian XX/XX/XXXX and XXXX shows XX/XX/XXXX Creditor Type shows inconsistencies shows that says it's a XXXX XXXX XXXX XXXX XXXX  Experian- XXXX XXXX XXXX and XXXX shows All Banks Creditor remarks shows says XXXX- Cancelled by credit grantor/, Experian XXXX has been closed due to inactivity and XXXX shows Closed or paid account/XXXX  balance/account is closed by XXXX XXXX all show signs of inconsistencies Last payments show that XXXX and Experian has a last payment day of XX/XX/XXXX while XXXX shows a last payment as of XX/XX/XXXX XXXX XXXX Reports a late payment in XX/XX/XXXX ( 30 days late ), but all other months are marked as OK. 
Experian : Also reports a late payment in XX/XX/XXXX ( 30 days late ), but all other months are marked as XXXX. 
XXXX : Reports a late payment in XX/XX/XXXX ( 30 days late ), which is inconsistent with the records from XXXX and 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