vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-21 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: OH

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

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 2024-12-21 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: TX

Complaint narrative:
XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payments on XXXX XXXXXXXX Account Dear CFPB, I am writing to dispute inaccurate late payments reported on my XXXX XXXX account ( Account Number : XXXX ). Specifically, the account reflects a 30-day late payment for XX/XX/XXXX and a 60-day late payment for XX/XX/XXXX, which are erroneous and negatively impact my creditworthiness. 
Nature of the Complaint : Inaccurate Reporting : These late payments are false, as I have maintained a consistent on-time payment history through autopay. 
Violation of FCRA ( 15 USC 1681i and 1681s-2 ) : The failure to correct these inaccuracies breaches the Fair Credit Reporting Act, which mandates accuracy in consumer credit reports.

Violation of FDCPA ( 15 USC 1692e ) : Reporting incorrect payment information could qualify as a misleading or deceptive act.

Violation of TILA ( 15 USC 1601 ) : The Truth in Lending Act requires that all payment and account information be accurate.

Civil Liability Under FCRA ( 15 USC 1681n and 1681o ) : Noncompliance with these requirements exposes the responsible parties to legal penalties. 
Summary of Discrepancies Experian : Reported 30-day late payment for XX/XX/XXXX and 60-day late payment for XX/XX/XXXX. 
These late payments are inaccurate, as payments were made on time. 
Requested Resolution : I request the following actions : Investigate the inaccuracies and remove the erroneous late payment entries. 
Update my credit file to accurately reflect my history of on-time payments. 
Provide written confirmation of the corrections within 30 days, as mandated by the FCRA. 
Enclosed, you will find copies of supporting documentation to substantiate my claims. Please address this issue promptly to prevent further actions. 
Thank you for your attention to this matter. 
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 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ), I am submitting a formal complaint regarding my attempts to resolve an issue with XXXX concerning inaccurate credit reporting and the failure to provide a required 1099-C form for a charged-off account. 

Here is a summary of the situation : Account Status : XXXX has reported an account of mine as " charged off '' on my credit report for several years. However, despite this reporting, XXXX has failed to issue a 1099-C form, which is required when a debt is forgiven. 
Attempts to Resolve : I have reached out to XXXX multiple times to inquire about this issue. 
Specifically, I have contacted XXXX in XX/XX/XXXX and XX/XX/XXXX, seeking clarification and requesting the necessary 1099-C form. 
Despite my repeated attempts, I have yet to receive a response or the requested form. The company has not provided any documentation or explanation for the charged-off status. 
Impact on My Credit : The failure to provide the 1099-C form or to resolve this matter has caused confusion regarding my credit report and has left me in a state of uncertainty about the true status of my account with XXXX. 
I have made every effort to address this matter directly with XXXX, but without success. I am now seeking the assistance of the CFPB in ensuring that XXXX provides the required 1099-C form and corrects any potential inaccuracies in the reporting of this account. 

Please let me know if any additional information is needed to assist with this matter. 

Thank you for your attention to this issue.

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 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ), I am submitting a formal complaint regarding my attempts to resolve an issue with XXXX concerning inaccurate credit reporting and the failure to provide a required 1099-C form for a charged-off account.

Here is a summary of the situation : Account Status : XXXX has reported an account of mine as " charged off '' on my credit report for several years. However, despite this reporting, XXXX has failed to issue a 1099-C form, which is required when a debt is forgiven. 
Attempts to Resolve : I have reached out to XXXX multiple times to inquire about this issue. 
Specifically, I have contacted XXXX in XX/XX/XXXX and XX/XX/XXXX, seeking clarification and requesting the necessary 1099-C form. 
Despite my repeated attempts, I have yet to receive a response or the requested form. The company has not provided any documentation or explanation for the charged-off status.

Impact on My Credit : The failure to provide the 1099-C form or to resolve this matter has caused confusion regarding my credit report and has left me in a state of uncertainty about the true status of my account with XXXX. 
I have made every effort to address this matter directly with XXXX, but without success. I am now seeking the assistance of the CFPB in ensuring that XXXX provides the required 1099-C form and corrects any potential inaccuracies in the reporting of this account. 

Please let me know if any additional information is needed to assist with this matter. 

Thank you for your attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information wad exposed in several data breaches as well. I have no recollection of applying for any of these accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days! These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent further harm to my financial well-being.

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 2024-12-21 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: DC

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 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:
XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payments on XXXX XXXXXXXX Account Dear CFPB, I am writing to dispute inaccurate late payments reported on my credit file for the XXXX XXXX account ( Account Number : XXXX ). These late payments, specifically a 30-day late payment for XX/XX/XXXX, a 60-day late payment for XX/XX/XXXX, and a 90-day late payment for XX/XX/XXXX, are incorrect and misrepresent my payment history. 
Nature of the Complaint : Inaccurate Reporting : These late payments are false and inconsistent with my payment records, as I have consistently made on-time payments through autopay. 
Violation of FCRA ( 15 USC 1681i and 1681s-2 ) : Reporting and failing to correct inaccurate information violates the Fair Credit Reporting Act.

Violation of FDCPA ( 15 USC 1692e ) : Reporting incorrect payment history may constitute a deceptive or misleading practice.

Violation of TILA ( 15 USC 1601 ) : The Truth in Lending Act requires the accurate reporting of credit and payment terms.

Civil Liability Under FCRA ( 15 USC 1681n and 1681o ) : Noncompliance with these requirements subjects the responsible parties to legal penalties.

Summary of Discrepancies Equifax Reported 30-day late payment for XX/XX/XXXX, 60-day late payment for XX/XX/XXXX, and 90-day late payment for XXXX XXXX  
Payments were consistently made on time, and no delinquencies occurred. 
Requested Resolution : I request the following : Conduct a thorough investigation and remove the erroneous late payment entries.

Update my credit file to reflect accurate and truthful information.

Provide written confirmation of the corrections within 30 days, as required by the FCRA. 
Enclosed are supporting documents, including payment records, to validate my claim. I expect your prompt attention to resolve this matter. 
Thank you for your immediate cooperation. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 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:
XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payments on XXXX XXXXXXXX Account Dear CFPB, I am writing to dispute inaccurate late payments reported on my credit file for the XXXX XXXX account ( Account Number : XXXX ). These late payments, specifically a 30-day late payment for XX/XX/XXXX, a 60-day late payment for XX/XX/XXXX, and a 90-day late payment for XX/XX/XXXX, are incorrect and misrepresent my payment history. 
Nature of the Complaint : Inaccurate Reporting : These late payments are false and inconsistent with my payment records, as I have consistently made on-time payments through autopay. 
Violation of FCRA ( 15 USC 1681i and 1681s-2 ) : Reporting and failing to correct inaccurate information violates the Fair Credit Reporting Act.

Violation of FDCPA ( 15 USC 1692e ) : Reporting incorrect payment history may constitute a deceptive or misleading practice.

Violation of TILA ( 15 USC 1601 ) : The Truth in Lending Act requires the accurate reporting of credit and payment terms.

Civil Liability Under FCRA ( 15 USC 1681n and 1681o ) : Noncompliance with these requirements subjects the responsible parties to legal penalties. 
Summary of Discrepancies Equifax Reported 30-day late payment for XX/XX/XXXX, 60-day late payment for XX/XX/XXXX, and 90-day late payment for XX/XX/XXXX. 
Payments were consistently made on time, and no delinquencies occurred. 
Requested Resolution : I request the following : Conduct a thorough investigation and remove the erroneous late payment entries.

Update my credit file to reflect accurate and truthful information.

Provide written confirmation of the corrections within 30 days, as required by the FCRA.

Enclosed are supporting documents, including payment records, to validate my claim. I expect your prompt attention to resolve this matter. 
Thank you for your immediate cooperation. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 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 am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly 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 non-monetary relief
Consumer complaint received 2024-12-21 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: DC

Complaint narrative:
I am filing this complaint because the creditor has engaged in unfair and misleading debt collection practices. Despite my efforts to resolve the outstanding balance, they have continued to report inaccurate information to the credit bureaus, which has negatively impacted my credit score. I have made multiple attempts to dispute the errors, but the creditor has failed to provide clear documentation or respond to my inquiries in a timely manner. Additionally, they have violated the Fair Debt Collection Practices Act ( FDCPA ) by making repeated harassing phone calls outside of allowed hours and failing to provide required validation of the debt.

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 2024-12-21 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: CA

Complaint narrative:
Please check this complaint thoroughly, this is not sent in error. There seems to be information that was mixed on my report, I kept seeing accounts, transactions and items that are not mine, this is really troubling and it's causing me undue stress 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 2024-12-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: IN

Complaint narrative:
I applied to get assistance paying back my student loans. The XXXX XXXX. A company called me, XXXX XXXX, after I applied for the student loan forgiveness program. I just found out that that is not true from the student loan carrier, Mohela. She said that I have been scammed and gave me this information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: CA

Complaint narrative:
I am writing and sending this complaint with absolute certainty and extreme frustration, there are a lot of errors on my credit report that I just can not ignore anymore as this has been negatively impacting my life and credit score making me unable to achieve financial freedom and stability.

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 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payments on XXXX  XXXX Account Dear CFPB, I am writing to formally dispute inaccurate late payments reported on my credit file for the XXXX XXXX account ( Account Number : XXXX ). These late payments, specifically a XXXX late payment for XX/XX/XXXX and a XXXX late payment for XX/XX/XXXX, are erroneous and do not reflect my actual payment history. 
Nature of the Complaint : Inaccurate Reporting : The listed late payments are incorrect as I have consistently made my payments on time through autopay.

Violation of FCRA ( 15 USC 1681i and 1681s-2 ) : Credit reporting agencies and furnishers are required to ensure maximum accuracy in consumer files. The failur
e to correct these inaccuracies constitutes noncompliance with federal law.

Violation of FDCPA ( 15 USC 1692e ) : Reporting incorrect information about payments may qualify as deceptive or misleading practices under the Fair Debt Collection Practices Act.

Violation of TILA ( 15 USC 1601 ) : The Truth in Lending Act mandates accurate reporting of credit terms and histories.

Civil Liability Under FCRA ( 15 USC 1681n and 1681o ) : Noncompliance with these provisions subjects the responsible parties to legal liabilities, including actual damages, punitive damages, and legal fees.

Summary of Discrepancies TransUnion : Reported 30-day late payment for XX/XX/XXXX and XXXX late payment for XX/XX/XXXX. 
These are incorrect as the account history reflects consistent payments with no delinquencies.

Requested Resolution : I request the following : Conduct a thorough investigation into the discrepancies on this account.

Remove the inaccurate late payment entries from my credit file.

Provide written confirmation of the corrections within 30 days, as required under 15 USC 1681i ( a ) ( 1 ) ( A ).

Failure to comply with this request may result in further actions to enforce my rights as a consumer under federal law. Attached, you will find supporting documentation, including payment records and statements, to substantiate my claim. 
Thank you for your immediate attention to this matter. 
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 non-monetary relief
Consumer complaint received 2024-12-21 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: GA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: TX

Complaint narrative:
I am writing to notify you that I am a victim of a data breach and am requesting that all accounts associated with this breach be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
The following accounts should be blocked and deleted : XXXX. XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$0.00} XXXX. XXXX XXXXXXXX XX/XX/XXXX {$92.00} XXXX. XXXX XXXX XX/XX/XXXX {$1400.00} These accounts were compromised as part of the data breach, and I kindly request their immediate removal from my credit file. Please confirm in writing once the accounts have been deleted and provide me with an updated copy of 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 2024-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: VA

Complaint narrative:
I am not liable for this debt with Fair Collections & Outsourcing located in XXXX, MD XXXX. I do not have a contract with this collection agency. I did NOT and never signed any paperwork stating I owe or will pay Fair Collections & Outsourcing any money. Fair Collections & Outsourcing never provided any original contract/s as requested.

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 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I was of millions of people who infermation was was compromised in the government hack

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