vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-29 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: LA

Complaint narrative:
I am writing to formally dispute fraudulent information on my credit report and demand the immediate deletion of all fraudulent accounts listed below. 
I have recently reviewed my credit report, and I have found several unauthorized accounts that I did not open, nor do I have any knowledge of. These accounts are clearly the result of identity theft and should be removed promptly as they are damaging my credit history. 
Details of Fraudulent Accounts : Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$500.00} HARD INQUIRIES : 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 2024-10-29 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: LA

Complaint narrative:
I am writing to formally dispute fraudulent information on my credit report and demand the immediate deletion of all fraudulent accounts listed below. 
I have recently reviewed my credit report, and I have found several unauthorized accounts that I did not open, nor do I have any knowledge of. These accounts are clearly the result of identity theft and should be removed promptly as they are damaging my credit history. 
Details of Fraudulent Accounts : Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$500.00} HARD INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 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: PA

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXXXXXX XXXX XXXXXXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2024-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
I pulled my credit report and see this company reporting on my credit as a " Collector '' there is NO information regarding this debt. There's no original creditor listed or any information. I pulled my credit because I've received phone calls from people ( mostly foreign ) attempting to collect my information but not provide anything to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: FL

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN 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 2024-10-29 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: LA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2024-10-29 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: LA

Complaint narrative:
I have discovered an unauthorized account on my consumer report, prompting me to file a complaint with the Federal Trade Commission ( FTC ). My grievance is directed to Experian, XXXX XXXX XXXX for infringing upon my consumer rights by including these accounts in my credit report. I strongly believe that this situation exploits me, and I seek resolution.

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 2024-10-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Today, I found unauthorized inquiries on my credit report, and I have no explanation for them. I always check my report regularly, but these errors just appeared out of nowhere. I tried refreshing my browser in case it was a glitch, but the problem persisted. Im asking that my documents be reviewed meticulously so that I can finally be free from this stress.

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 2024-10-29 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: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
The debt collector in question has been involved in prohibited practices outlined by the FDCPA, which include abusive, deceptive, and unfair actions. They provided information about an account that I never agreed upon or signed any agreement for. A legal contract requires the participation of both parties, but I was not involved whatsoever. Furthermore, they failed to adhere to the proper five-step validation procedure, which constitutes unfair practices. As stated by the FDCPA, I am entitled to compensation of {$1000.00} per violation, and it is evident that my rights have been violated by their actions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed items to be blocked and deleted company information from TransUnion. 

Please delete the following items : 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 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 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 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 2024-10-29 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:
I am writing to formally dispute an erroneous and inaccurate collection account listed on my credit report. According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I have the right to dispute any information that I believe to be inaccurate or incomplete. I am requesting an investigation and removal of the following collection account from my credit report : I believe that this account is inaccurate because this account was paid in full all rent was paid when I left I do not owe anything, I was not properly notified, the debt was not validated, and a least was not acceptable verification, because I did stay there but never received any itemize statement of WHAT THEY ARE CLAIMING nor did I receive any court documents or even went to court for this matter. Under the FCRA, inaccurate or unverifiable information must be corrected or deleted from my credit file. 

Please conduct a thorough investigation of this matter. If the investigation reveals that the account is inaccurate or unverifiable, I expect it to be permanently removed from my credit report. 

In addition, I request that you send me the results of your investigation and an updated copy of my credit report after the completion of this investigation, as required by the FCRA. 

I have enclosed copies of [ include any relevant documents, such as payment receipts, communication with the creditor, etc. ] to assist you in your investigation. Please remove this account and update my credit file accordingly. 
Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the deletion within 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 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:
I've been a victim of identity theft. I have noticed some unauthorized accounts on my credit report by way of violation of my rights with HIPAA. Both the XXXX XXXX XXXXXXXX XXXX XXXX  and XXXX XXXX XXXX, have breached my information. I need these fraudulent accounts removed immediately, or I will be suing each company listed along with the original creditors. This is also harming my chances at an apartment lease or buying a home.

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 2024-10-29 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: OH

Complaint narrative:
I've been a victim of identity theft. I have noticed some unauthorized accounts on my credit report by way of violation of my rights with HIPAA. Both the Equifax Data Breach of XXXX and XXXX XXXX XXXX, have breached my information. I need these fraudulent accounts removed immediately, or I will be suing each company listed along with the original creditors. This is also harming my chances at an apartment lease or buying a home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: AAA Auto Title Loans, LLC
State: NV

Complaint narrative:
Company watched personal accounts, took payments out of payment cycle. 

XXXX veteran on fixed income, as stated, watched accounts, waited for a direct deposit to be made from VA, immediately took funds while I was homeless. 

Also used community and local resources to intimidate and force me to pay back loan while rebuilding foundation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX Debt XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX  Account number : XXXX Balance : {$560.00} XXXX XXXX  Account number : XXXX Balance : {$2600.00} XXXX  Account number : XXXX Balance : {$0.00} XXXX  XXXX Account number : XXXX Balance : {$0.00} XXXX  XXXX XXXX  Account number : XXXX Balance : {$0.00}

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 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 

Account XXXX : XXXX Account XXXX : XXXX Bal. {$740.00} Account XXXX : XXXX Account XXXX : XXXX Bal. {$0.00} Account Name : XXXX XXXX XXXX XXXX 
Account XXXX : XXXX Bal. {$1900.00} Account XXXX : XXXX  Date of XXXX : XX/XX/year>

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 2024-10-29 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: Self Financial Inc.
State: IN

Complaint narrative:
I have filed so many complaints and this company refuses to fix the problem LET ALONE do a proper investigation. This company is reporting improperly to the credit bureaus. How am I 150 days late, no reporting, CO then back to 120 days late then CO again? According to 15 USC 1681i, you did NOT complete a thorough investigation within 30 days of my complaint to look for any errors and the account now must be removed. See screenshot. I'll also be sending a XXXX document to the IRS for an account audit as well as a complaint to the attorney general and you're next letter will be litigation ill be filing tomorrow. I told you my intent was to litigate and you've given me all the proof I need that you're not doing proper investigating into problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: CA

Complaint narrative:
Subject : Formal Complaint Regarding Inaccurate Address and Account Information on Credit Report Dear CFPB Representative, I am writing to file a formal complaint against Experian for violating the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681e Compliance Procedures. Experian has inaccurately reported a XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX associated with the name XXXX XXXX on my credit report. This is not my legal name, and I have never resided at or documented this address. This incorrect information remains on my credit report, despite my repeated requests to Experian for its removal. 

I have attempted on multiple occasions to have this XXXX XXXX address removed from my credit report. However, Experian refuses to delete it, citing that it is linked to XXXX accounts under the incorrect name XXXX XXXX. The presence of this unauthorized name and address on my credit report violates the FCRAs mandate for accurate information and adherence to 15 U.S.C. 1681es Compliance Procedures for consumer report accuracy. Additionally, Experians actions may contravene other consumer protection laws as they continue to furnish and endorse inaccurate information. 

The continued presence of this address and the accounts associated with it constitutes not only an error but also Experians legal responsibility for furnishing information that has been proven to be inaccurate. I request the immediate removal of both the erroneous XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and any accounts linked to the incorrect name XXXX XXXX from my credit report. Should Experian fail to act promptly, I will have no choice but to pursue legal action to seek damages and ensure full compliance with federal laws. 

Thank you for your attention to this matter. 

Sincerely, 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