vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-26 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 submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 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 submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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 explanation
Consumer complaint received 2024-12-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
Under the Fair Debt Collections Practices Act ( FDCPA ), I am entitled to request validation of the debt that you allege is due to you. This is not a request to verify the debt but rather a request for you to provide complete and competent evidence of my contractual obligation to provide payment to you. 
You must provide the following alleged information to me within thirty ( 30 ) days from your receipt of this letter. 
* Creditor 's Name and Full AddressName of Debtor of Record * Full Account NumberAmount of Debt * Due Date of Debt * Original Charge Off or Delinquency Date * Explanation of how the Debt was calculated * Evidence that the Debt is within State 's applicable Statute of Limitation * Name of Collection Agency or Owner of Debt, if applicableAmount Paid if Debt was Purchased Completed and Executed Agreement, including Signature Pages, for the Debt

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: MD

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

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


XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 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: MD

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

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


XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc.
State: CA

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Charge Off XXXX XXXX XXXXXXXX - {$140.00} XXXX XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$8900.00} XXXX XXXX - XXXX - {$1600.00} Late Payment XXXX - XXXX - {$2600.00} XXXX XXXX  - XXXX - {$470.00} XXXX XXXX - XXXX - {$280.00} XXXX  - XXXX - {$0.00} XXXX XXXX XXXXXXXX - {$0.00} Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Kindly remove this inaccurate entry from my credit report as I neither authorized nor recognized this account. Attached are the pertinent documents supporting my assertion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 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: NH

Complaint narrative:
Equifax and XXXX XXXX is in progress so I have requested already to when and if possible asked which advised to wait with email apps calls right now. 

But I have some progress with XXXX XXXX however if they need either to call or have verification if no other way equifax needs to update the email and maybe phone if they take the time. I had issues with email and phone so no it was okay when I began but went two months unable to use the number so I did include it with the original request for w2 and current utility as identification but it is a request that they if they bother to contact me email and phone may not work so focusing on equifax since I had to use a compatible phone to recover the number. So heavy duty talk text no browser XXXX not the better of the XXXX. 
XXXX office XXXX advised no app email in person or mail. So if what appears on the original attempt for equifax please note to call I will get voicemail only as monitored by carrier they read. However please they need to use the alternate email if possible and number I sent both do go to voicemail but if you need location I may need to use the alternate number because banks do not like the specific information and have no way on my own to update upgrade or fix what is here and now. XXXX XXXX has present current email I believe and phone number. However of the XXXX bureaus I have to repeat this. XXXX best as possible. Banks have me do info as well. XXXX was primary for me but unless the equifax or XXXX XXXX I am unable to do much so XXXX XXXX may be partially on way otherwise not a complaint but please equifax it was originally possible and likely still could use number but low vision trying to make sure you maybe use the alternate email and number it would be easier on me. XXXX more of a location and call out only at least right now XX/XX/2024 if not sure please I tried to call back but very difficult getting any one. Actually just is making it more difficult for me. XXXX may be more secure for calls but on browser sms please minimally use the other email

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: CA

Complaint narrative:
Good day!

I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately.

Thank you for your prompt attention to 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 non-monetary relief
Consumer complaint received 2024-12-26 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: CA

Complaint narrative:
Good day!

I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: CO

Complaint narrative:
I am writing to address serious concerns regarding the handling of my personal informationbyyouragencyandtoformallyrevokeanyconsentrelatedtothesharingor reporting of my personal data. 
Under the Fair Credit Reporting Act ( 15U.S.C.1681 ), consumer reporting agencies like [ Equifax/XXXX ] are required to exercise their responsibilities with fairness, impartiality, and respect for consumers rightstoprivacy.Furthermore,15 U.S.C.1681Section604 ( a ) ( 2 ) states that consumer reports may only be furnished with the written instructions of the consumer. I have not provided any written consent for my information to be shared or reported, and I hereby revoke any prior consentwhether verbal, written, implied, or otherwise. 
Additionally, under15U.S.C.1681c ( a ) ( 5 ), adverse information that is older than seven years ( unless related to criminal convictions ) may not legally be included in consumer reports. If your agency is reporting any such outdated or adverse information about me, I demand its immediate removal. 
Finally, under15U.S.C.1681e, youragencyisobligatedtomaintainreasonable procedures to avoid violations of the law and ensure that consumer reports are used only for lawful purposes. Your compliance with these requirements appears to be insufficient in my case.

I am therefore requesting the following actions : 1. Stop all reporting of my personal and financial information without my explicit, written consent.

2. Immediately review and correct any inaccuracies and remove adverse information that violates federal law.

3.Provide written confirmation that these actions have been taken and my information is no longer being improperly reported or shared.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: CO

Complaint narrative:
I am writing to address serious concerns regarding the handling of my personal informationbyyouragencyandtoformallyrevokeanyconsentrelatedtothesharingor reporting of my personal data. 
Under the Fair Credit Reporting Act ( 15U.S.C.1681 ), consumer reporting agencies like [ XXXX/Experian/XXXX  ] are required to exercise their responsibilities with fairness, impartiality, and respect for consumers rightstoprivacy.Furthermore,15 U.S.C.1681Section604 ( a ) ( 2 ) states that consumer reports may only be furnished with the written instructions of the consumer. I have not provided any written consent for my information to be shared or reported, and I hereby revoke any prior consentwhether verbal, written, implied, or otherwise. 
Additionally, under15U.S.C.1681c ( a ) ( 5 ), adverse information that is older than seven years ( unless related to criminal convictions ) may not legally be included in consumer reports. If your agency is reporting any such outdated or adverse information about me, I demand its immediate removal. 
Finally, under15U.S.C.1681e, youragencyisobligatedtomaintainreasonable procedures to avoid violations of the law and ensure that consumer reports are used only for lawful purposes. Your compliance with these requirements appears to be insufficient in my case. 
I am therefore requesting the following actions : 1. Stop all reporting of my personal and financial information without my explicit, written consent.

2. Immediately review and correct any inaccuracies and remove adverse information that violates federal law.

3.Provide written confirmation that these actions have been taken and my information is no longer being improperly reported or shared.

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 2024-12-26 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: CA

Complaint narrative:
There are errors on my credit report concerning 15 USC 16c-2. I did not authorize the listed inquiries, and this inaccurate information negatively impacts my credit. Kindly remove all unauthorized hard inquiries.

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 2024-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TN

Complaint narrative:
Mohela has taken over my loan. It has been a disaster dealing with this company from day one. Between bad confused customer service people, to misinformation or lack thereof. Receiving information in regards to forbearance I didn't request and now receiving emails requesting me to do a plan with no explanation to my status. I made a payment a couple of days late, due to my bank kicking it out, they acknowledged the payment then charged me a second payment on top of that payment made. I paid it because I didn't want it reported to my credit. I feel stress all the time because I have not confidence in this servicer. Additionally, with the current status politically, I feel anxious about this going the wrong way. I don't have money to hire a lawyer to help me with this. All I wanted to do is ; educate myself to get a better paying job which never happened and now I am a XXXX  citizen caught up in a debt I can't pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: CA

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 2024-12-26 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: AZ

Complaint narrative:
I recently reviewed a copy of my credit report and I noticed some hard inquiries that I do not recognize or were made in error. According to 15 USC 1681B a credit inquiry may only be made under certain circumstances and for permissible purposes. Additionally, under 15 USC 1681i, I have the right to dispute inaccurate information on my credit report. The following hard inquiries were not authorized by be and I request that they be removed from my credit report immediately. 
Inquiry : XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX I looked at my TRANSUNION credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 acc

ording to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as
appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief