vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-25 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: NC

Complaint narrative:
I am writing to file a formal complaint and demand immediate enforcement of the Fair Credit Reporting Act ( FCRA ) concerning the persistent inaccuracies in my credit report maintained by the credit bureaus. These inaccuracies have adversely affected my ability to verify my identity for essential purposes, including my social security case. 

Details of my complaint are as follows : Despite repeated attempts to correct my personal information with the credit bureaus, including documented communications on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I continue to experience reporting errors and inconsistencies. 

Pursuant to FCRA, I am legally entitled to accurate reporting of the following information : Name : XXXX XXXX Address : XXXX XXXX and XXXX XXXX, XXXX, NC XXXX Telephone Number : [ XXXX XXXX XXXX ending in XXXX ] Date of Birth : XX/XX/XXXX Social Security Number : [ Correct SSN ending in XXXX ] Employers : Requesting removal of all employer information The credit bureaus have listed my Social Security XXXX in various incorrect formats, which has directly impeded my ability to verify my information for my social security case. This ongoing issue has caused delays and errors that could have been prevented if the credit bureaus had adhered to FCRA regulations. 

Enclosed with this complaint are copies of supporting documentation validating my correct personal information. 

I demand that the Consumer Financial Protection Bureau promptly investigate this matter and take immediate enforcement action against the credit bureaus to ensure compliance with FCRA. It is your responsibility to safeguard consumers by enforcing these laws and holding credit reporting agencies accountable for accurate and timely reporting. 

I expect a thorough investigation and corrective measures to be taken without delay. Please provide me with updates on the progress and resolution of this complaint. 

Thank you for your attention to this urgent matter. I look forward to your swift action and 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 2024-06-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
I believe the account is invalid. ONE MAIN FINANCIAL ACCOUNT needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account were transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed items then I require the account to be removed from my credit & their records.ONEMAIN XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The bankruptcy presently reflected on my credit report is gravely misrepresented. The case presented as legitimate and accurate is, in reality, entirely fallacious. No trial or judgment has ever been rendered in connection with this case. Without a judgment, the legitimacy of the case is null and void. It is of utmost importance that you promptly expunge this erroneous account from my credit file. The Bankruptcy XXXX XXXX case number XXXX is fraudulent and must be expeditiously removed. Continued failure to rectify this inaccuracy and the persistent dissemination of erroneous information will necessitate legal recourse. I have conferred with my attorney, and should this issue remain unresolved within XXXX  days of this correspondence, legal action will be pursued.

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 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The bankruptcy presently reflected on my credit report is gravely misrepresented. The case presented as legitimate and accurate is, in reality, entirely fallacious. No trial or judgment has ever been rendered in connection with this case. Without a judgment, the legitimacy of the case is null and void. It is of utmost importance that you promptly expunge this erroneous account from my credit file. The Bankruptcy XXXX XXXX case number XXXX is fraudulent and must be expeditiously removed. Continued failure to rectify this inaccuracy and the persistent dissemination of erroneous information will necessitate legal recourse. I have conferred with my attorney, and should this issue remain unresolved within XXXX  days of this correspondence, legal action will be pursued.

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 2024-06-25 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: IL

Complaint narrative:
I have always maintained an impeccable payment record with the company, with all my payments set up on XXXX. This reported late payment is due to a system error on their part during payment processing. 

This billing error by the company does not reflect my payment history and violates USC Code 1681eb. This mistake has severely impacted my reputation, character, lifestyle, and my family. 

I insist that the late payment listed in the MONTHS REPORTING LATE be removed immediately. 

The company is not complying with 15 USC 1666b, which outlines the standards for treating a payment as late. They incorrectly reported my payment as late without following the law.

15 USC 1666b ( a ) specifies that a creditor can not consider a payment late unless reasonable procedures ensure that the periodic statement, with required information per section 1637 ( b ), is mailed or delivered to the consumer at least XXXX  days before the payment due date. 

The company failed to send the periodic statement and disclosures as required by section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX  days before the due date in good faith under rule 1002, but it has never been provided. 

This situation is unfair, illegal, fraudulent, and unjust to me as a consumer. 

I demand the removal of 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 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The bankruptcy presently reflected on my credit report is gravely misrepresented. The case presented as legitimate and accurate is, in reality, entirely fallacious. No trial or judgment has ever been rendered in connection with this case. Without a judgment, the legitimacy of the case is null and void. It is of utmost importance that you promptly expunge this erroneous account from my credit file. The Bankruptcy XXXX XXXX case number XXXX is fraudulent and must be expeditiously removed. Continued failure to rectify this inaccuracy and the persistent dissemination of erroneous information will necessitate legal recourse. I have conferred with my attorney, and should this issue remain unresolved within XXXX  days of this correspondence, legal action will be pursued.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: PA

Complaint narrative:
On XX/XX/year> I sent in my letters to XXXX, XXXX, and Experian asking them to remove the unauthorized inquiries and the 2 accounts that didn't belong to me. They responded with letters saying the accounts were verified. I sent them letters XX/XX/year> and have not heard anything back. I was advised by XXXX when I called in to file a FTC report as well as a police report. I did file a police report. Attached are the letters about the inquiries and I will include the 2 accounts in this paragraph. XXXX XXXX XXXX XXXX account number XXXX was unauthorized as well as XXXX account number XXXX only XXXX are reporting that account.

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 2024-06-25 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:
I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: IL

Complaint narrative:
I am invoking my right to dispute and investigate the wrongful accounts listed on my credit report. Per the Fair Credit Report Act, I should be compensated {$1000.00} for each mistake. FCRA 605B requires us to address any inaccuracies on a consumers 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 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
on XX/XX/XXXX, i sent this company a letter about some errors on my credit report but its been over XXXX  days and I still havent received any response from the company I was informed that they may be violating the fcra law for not complying. Please take a look at this matter, as those errors on my credit need to be cleared as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: IL

Complaint narrative:
I have always maintained an impeccable payment record with the company, with all my payments set up on XXXX. This reported late payment is due to a system error on their part during payment processing. 

This billing error by the company does not reflect my payment history and violates USC Code 1681eb. This mistake has severely impacted my reputation, character, lifestyle, and my family.

I insist that the late payment listed in the MONTHS REPORTING LATE be removed immediately.

The company is not complying with 15 USC 1666b, which outlines the standards for treating a payment as late. They incorrectly reported my payment as late without following the law.

15 USC 1666b ( a ) specifies that a creditor can not consider a payment late unless reasonable procedures ensure that the periodic statement, with required information per section 1637 ( b ), is mailed or delivered to the consumer at least XXXX  days before the payment due date.

The company failed to send the periodic statement and disclosures as required by section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX  days before the due date in good faith under rule 1002, but it has never been provided.

This situation is unfair, illegal, fraudulent, and unjust to me as a consumer. 

I demand the removal of 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 2024-06-25 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: IL

Complaint narrative:
I am invoking my right to dispute and investigate the wrongful accounts listed on my credit report. Per the Fair Credit Report Act, I should be compensated {$1000.00} for each mistake. FCRA 605B requires us to address any inaccuracies on a consumers 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 non-monetary relief
Consumer complaint received 2024-06-25 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 writing once more to express my bewilderment at your credit bureau 's handling of the investigation into the accounts, as I continue to dispute the presence of fraudulent account on my credit report. As you are aware, I have submitted the required FTC report regarding this fraudulent account. Following my submission, both XXXX and XXXX removed this account from their records. I have also directly contacted the bank associated with this account, and they have confirmed the removal of the account. Therefore, I am puzzled as to why this account is still being reported by your bureau. It is imperative to recognize that as a credit bureau, you are legally bound to ensure the accuracy and timeliness of your records. Failing to remove this fraudulent account not only violates this obligation but also exposes me to further harm. 

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 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Re : Dispute of XXXX XXXX XXXX Credit Report XXXX Bank Account Dear Sir/Madam, I am writing to formally dispute inaccurate information reported by XXXX Bank XXXX XXXX credit report. Despite multiple previous disputes regarding this account, the inaccuracies remain uncorrected, demonstrating potential willful noncompliance under XXXX XXXX XXXX. 

Disputed Account : Account Name : XXXX Bank Credit Card XXXX and Errors : Incorrect Payment Date : The credit report lists the last payment date as XX/XX/XXXX, which is incorrect. This error violates the FCRAs requirement for accurate information ( XXXX XXXX XXXX ( b ) ). 
I paid around XX/XX/XXXX I guess. 

Agreement with XXXX XXXX : The debt was paid to XXXX XXXX XXXX, who confirmed they would not report this negatively on my credit report and would send a letter stating this account will no longer report negatively. Despite this, XXXX Bank continues to report the account negatively. This misrepresentation violates the Fair Credit Reporting Act ( FCRA, 15 USC 1681s-2 ( a ) ), which requires accurate reporting of information. 

Debt Sold to Unlicensed Collector : The debt was sold to a collection agency that was not licensed to collect debt in the state of Nebraska at that time. This is a violation of state regulations and affects the legitimacy of the debt collection process. 

Failure to Receive Debt Validation : I never received debt validation from XXXX Bank, which is a requirement under the Fair Debt Collection Practices Act ( FDCPA, 15 USC 1692g ). Reporting the debt without proper validation is a violation of this act.

Failure to Receive 1099-C Form : I did not receive a 1099-C form for the charged-off debt, which is required by the IRS when a debt of {$600.00} or more is canceled. Failure to provide this form is a violation of IRS regulations and affects the accuracy of my credit report. This also violates the FCRAs requirement for accurate and complete information as per 15 USC 1681e ( b ) and 15 USC 1681s-2 ( a ).

Repeated Disputes Ignored : Despite previous disputes, the errors have not been corrected or deleted, indicating potential willful noncompliance by the XXXX XXXX XXXX and XXXX Bank. Under the FCRA ( 15 USC 1681i ( a ) ), credit reporting agencies must reinvestigate disputes and delete any inaccurate information. Repeated failure to correct errors can be considered willful noncompliance under 15 USC 1681n, making them liable for damages.

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 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Re : Dispute of XXXX XXXX XXXX Credit Report XXXX Bank Account Dear Sir/Madam, I am writing to formally dispute inaccurate information reported by XXXX Bank XXXX XXXX credit report. Despite multiple previous disputes regarding this account, the inaccuracies remain uncorrected, demonstrating potential willful noncompliance under 15 USC 1681n. 

Disputed Account : Account Name : XXXX Bank Credit Card XXXX and Errors : Incorrect Payment Date : The credit report lists the last payment date as XX/XX/XXXX, which is incorrect. This error violates the FCRAs requirement for accurate information ( 15 USC 1681e ( b ) ). 
I paid around XX/XX/XXXX I guess. 

Agreement with XXXX XXXX : The debt was paid to XXXX XXXX XXXX, who confirmed they would not report this negatively on my credit report and would send a letter stating this account will no longer report negatively. Despite this, XXXX Bank continues to report the account negatively. This misrepresentation violates the Fair Credit Reporting Act ( FCRA, 15 USC 1681s-2 ( a ) ), which requires accurate reporting of information.

Debt Sold to Unlicensed Collector : The debt was sold to a collection agency that was not licensed to collect debt in the state of Nebraska at that time. This is a violation of state regulations and affects the legitimacy of the debt collection process. 

Failure to Receive Debt Validation : I never received debt validation from XXXX Bank, which is a requirement under the Fair Debt Collection Practices Act ( FDCPA, 15 USC 1692g ). Reporting the debt without proper validation is a violation of this act.

Failure to Receive 1099-C Form : I did not receive a 1099-C form for the charged-off debt, which is required by the IRS when a debt of {$600.00} or more is canceled. Failure to provide this form is a violation of IRS regulations and affects the accuracy of my credit report. This also violates the FCRAs requirement for accurate and complete information as per 15 USC 1681e ( b ) and 15 USC 1681s-2 ( a ). 

Repeated Disputes Ignored : Despite previous disputes, the errors have not been corrected or deleted, indicating potential willful noncompliance by the XXXX XXXX XXXX and XXXX Bank. Under the FCRA ( 15 USC 1681i ( a ) ), credit reporting agencies must reinvestigate disputes and delete any inaccurate information. Repeated failure to correct errors can be considered willful noncompliance under 15 USC 1681n, making them liable for damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: OLIPHANT FINANCIAL, LLC
State: NC

Complaint narrative:
I am unaware of this debt. I did not have the opportunity to dispute this information. If in fact you believe you gave me the proper notification, then please send me the certified receipt with my name and signature on it as verification of the notification.

Company response to consumer: Closed with explanation