vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-09 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: FL

Complaint narrative:
To Whom It May Concern, I recently obtained a copy of my credit report and identified an inaccurate listing of a repossession. I firmly believe this information is incorrect and should be removed immediately based on 15 U.S. Code 1681o - Civil liability for negligent noncompliance. Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1692g validation of debt. Also, in XXXX XXXX Equifax Information Services LLC ( XXXX XXXX XXXX ), your reporting agency may be liable for false reporting. Credit reporting laws ensure that bureaus report only 100 % accurate credit information.XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE Account Info Account Name : XXXX XXXX XXXX XXXX  Account Number XXXX Account Type : Auto Loan Responsibility Individual Date Opened : XX/XX/XXXX Status : Paid, Closed. {$310.00} written off. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment - Original Balance : {$17000.00} Highest Balance - Terms : 73 Months Payment History Payment history guide Charge Off as of XX/XX/XXXX, XX/XX/XXXX Repossession as of XXXX XXXX 90 days past due as of Aug 2021 60 days past due as of XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX 30 days past due as of XXXX XXXX, XX/XX/XXXX Contact Info Address XXXX XXXX XXXX, XXXX, TX XXXX Phone Number : ( XXXX ) XXXX Comment Current : Account previously in disputeinvestigation complete, reported by data furnisher Previous : None Reinvestigation Info This item was updated from our processing of your dispute in XX/XX/XXXX. 
XXXX XXXX Current/ Terms met 30 Past due 30 days 60 Past due 60 days 90 Past due 90 days Specific details of the repossession in question : [ List specifics, such as the date it was reported, the creditor 's name, account number, and any other relevant details. ] 1. Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported? 2. What certified documents were reviewed to conclude your investigation? 3. Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation. 4. What did it cost your company to obtain the documents needed to complete your investigation? 5. Please provide proof of your timely procurement of certified documents. 6. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? 7. If yes to above : a. Who did you speak to? b. On what date? c. How long was the conversation? d. What was their position? e. What telephone number did you call? 
sincerely XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
I am writing to formally file a complaint against a debt collection agency, TSI, which contacted me on [ insert date of call ]. The agency representative, calling from XXXX, used aggressive and threatening tactics to attempt to collect a debt that I am not legally responsible for. 

The debt in question relates to an XXXX XXXX business account, where I was listed as an authorized user. I was an employee of the business and was issued a card solely for business purchases. I did not open the account, nor was I the account holder. The account holder was my former employer. 

During the call, I informed the debt collector that they had the wrong person and that I was not liable for the account 's debt as I was merely an authorized user. The representative insisted that I was responsible for the portion of the charges made under my card and stated that if I did not pay, XXXX XXXX would pursue legal action against me. 

The representative 's approach was not only misleading but also intimidating. They used predatory and scare tactics to pressure me into agreeing to pay a debt I do not owe. This behavior is unacceptable and violates my rights as a consumer. 

I am requesting that the CFPB investigate this matter to determine whether TSI has violated the Fair Debt Collection Practices Act ( FDCPA ). Their use of harassment, misrepresentation, and threats to coerce payment from a non-responsible party appears to be a clear violation of the law. 

Thank you for your attention to this matter. Please let me know if additional information is required.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: KY

Complaint narrative:
The Credit bureaus stated Account Name & Account # was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my wtten instructons. 
I haven't given these accounts written permission to furnish these accounts on my credit report

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 2025-01-09 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: KY

Complaint narrative:
The Credit bureaus stated Account Name & Account # was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my wtten instructons. 
I haven't given these accounts written permission to furnish these accounts on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Servicer under contract with Federal Student Aid
State: GA

Complaint narrative:
this students loans are fully paid. why is still reporting to my credit this accounts are more the 15 yeas old. I'm requesting for this information to be completed deleted from all XXXX credit bureaus. this inaccurate information is hurting my credit score. balances paid in full XXXX balances in this accounts. close accounts still reporting negative to my credit.

Company response to consumer: Untimely response
Consumer complaint received 2025-01-09 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: Fidelity National Information Services, Inc. (FNIS)
State: NH

Complaint narrative:
I am writing in reference to the dispute I filed concerning inaccuracies and unverifiable information in my ChexSystems consumer report. Despite my initial request for a thorough investigation, the items in question have been returned as " verified. '' Pursuant to the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I am exercising my right to request a reinvestigation and a detailed description of the verification process conducted. Under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), ChexSystems is required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information. Please provide : The specific documents and records relied upon in verifying the disputed items.

The identity of the individuals or departments within the financial institutions that conducted the verification.

If the financial institutions can not produce verifiable documentation bearing my signature or other evidence substantiating the disputed items, the information must be deleted immediately.

Information reported by ChexSystems must be both accurate and substantiated, as required by FCRA 607 ( b ).

I request clear evidence of my written authorization permitting the financial institutions to report the disputed information to ChexSystems. Without my explicit consent, the reporting of such data violates FCRA 603 ( d ).

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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I call Experian to find out about my credit report and to let them know that the information there reporting is wrong old addresses hard inquiries that I have not got anything from these car lots XXXX  bills I mean I have a XXXX XXXX XXXX XXXX and couldn't even get a loan for XXXX I haven't had a car in 8 years but I can't get approved for a car nothing what's since of having credit I've never had a credit but u want me to back my own money then still report that I actually called yesterday and the tried to send me to the fraud line then I had ask if I'm talking what your job then that updated my credit report with all my new information XXXX minutes later

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: WA

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 2025-01-09 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: NJ

Complaint narrative:
I am filing this dispute AGAIN because EXPERIAN is the ONLY credit bureau still FALSELY reporting my XXXX XXXX XXXX account as ''CURRENT, WAS PAST DUE 30 DAYS. '' I have already disputed this multiple times, yet Experian has failed to fix this blatant error. Other credit bureaus are reporting it correctly as " PAID OR PAYING AS AGREED, '' which makes Experian 's continued failure to update this account nothing short of negligence. Let me remind Experian that under the Fair Credit Reporting Act, Experian are legally obligated to ensure MAXIMUM POSSIBLE ACCURACY in consumer reports under 15 U.S. Code 1681e ( b ). Failure to correct this inaccurate information after my previous disputes is a DIRECT VIOLATION of 15 U.S. Code 1681i ( 5 ). That law clearly states that if information is found to be inaccurate, incomplete, or unverifiable, it must be CORRECTED OR DELETED IMMEDIATELYand the source must be notified. By ignoring my previous disputes, Experian has also violated FCRA 611 ( a ), which requires proper reinvestigation of disputes. This is not just incompetence ; it is willful noncompliance with the FCRA, and under sections 616 and 617, damages of {$1000.00} per violation apply for each instance of willful or negligent noncompliance. Experians inaccurate reporting is harming my credit and creating an inconsistency with other bureaus, which have correctly reported this account as " Paid or Paying as Agreed. '' How is it that XXXX and XXXX can get this right, but Experian CAN NOT? This continued false reporting is UNACCEPTABLE, UNLAWFUL, AND DAMAGING. I demand that EXPERIAN IMMEDIATELY CORRECT THIS ACCOUNT TO REFLECT 'PAID OR PAYING AS AGREED ' and send me proof of the correction without any further delay. If this error is not corrected promptly, I will have no choice but to take additional legal action to hold Experian accountable for this gross negligence and violation of federal law. Enough is enough!

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 2025-01-09 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: TX

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2025-01-09 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX SSN : XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX RE : Dispute of Inaccurate Credit Reporting Under 15 U.S.C . 1681e ( b ) and 15 U.S.C. 1681i ( a ) To Whom It May Concern, I am writing to formally dispute inaccurate information appearing in my credit report. The account in question has been paid in full and reflects a {$0.00} balance, yet it remains inaccurately reported, negatively affecting my credit profile. This letter is sent pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ).

Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy in consumer reports. Reporting a paid-off account with a {$0.00} balance as anything other than accurate violates this statutory requirement.

Additionally, under 15 U.S.C. 1681i ( a ), upon notice of a dispute, the credit reporting agency is required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. I am requesting a thorough investigation into this matter and an immediate correction of my credit report to reflect the accurate status of the account. 

The outlined item is completely inaccurate and a very serious error in reporting. Please update this information : ACCOUNT NAME : XXXX XXXX  ACCOUNT NUMBER : XXXX Pursuant to 15 US section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please provide me with the description of the procedure used to determine the accuracy and completeness of the information, to be provided within 15 days of the completion of your investigation. If you determine that the information can not be verified, it must be deleted from my credit file as per the FCRA.

I appreciate your prompt attention to this matter as these may seem like small reporting errors to you, but they are serious offenses on my report when it is time to purchase a home for my family, a vehicle, look for a business loan or even to obtain employment. Please consider expediting this process for me. Thank you. 


Sincerely, 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 2025-01-09 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX SSN : XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX RE : Dispute of Inaccurate Credit Reporting Under 15 U.S.C . 1681e ( b ) and 15 U.S.C. 1681i ( a ) To Whom It May Concern, I am writing to formally dispute inaccurate information appearing in my credit report. The account in question has been paid in full and reflects a {$0.00} balance, yet it remains inaccurately reported, negatively affecting my credit profile. This letter is sent pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ).

Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy in consumer reports. Reporting a paid-off account with a {$0.00} balance as anything other than accurate violates this statutory requirement. 

Additionally, under 15 U.S.C. 1681i ( a ), upon notice of a dispute, the credit reporting agency is required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. I am requesting a thorough investigation into this matter and an immediate correction of my credit report to reflect the accurate status of the account. 

The outlined item is completely inaccurate and a very serious error in reporting. Please update this information : ACCOUNT NAME : XXXX XXXX  ACCOUNT NUMBER : XXXX Pursuant to 15 US section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please provide me with the description of the procedure used to determine the accuracy and completeness of the information, to be provided within 15 days of the completion of your investigation. If you determine that the information can not be verified, it must be deleted from my credit file as per the FCRA. 
I appreciate your prompt attention to this matter as these may seem like small reporting errors to you, but they are serious offenses on my report when it is time to purchase a home for my family, a vehicle, look for a business loan or even to obtain employment. Please consider expediting this process for me. Thank you. 


Sincerely, 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