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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Exter Finance LLC XXXX XXXX XXXX XXXX XXXX XXXX Re : Dispute To whom this may concern, I am disputing this account with account number XXXX. This debt is listed on my credit report as written off, profit loss, and charged off. Due to this account being listed as written off, profit loss, and a charge off I am due a 1099-C form.Instead your company filed it with the IRS and never gave me my form however your company SOLD my account to XXXX XXXX XXXX This debt was written off for the amount of {$15000.00} when it was written off. The IRS states that i am supposed to receive a 1099-C form when the debt is canceled for more than {$600.00}. I will be sending a copy of this dispute letter to the IRS as well. Please remove and delete off all reporting credit bureaus. 

Due to the FCRA all information being furnished should be 100 % accurate especially if its coming from the same furnisher. 
This is grounds for removal. 
This has caused damage to my credit report. 
Under the-15 U.S.C 1681-2 1 ( a ) ( b2 ) According to-15 U.S.C 1681n ( a ) ( 1 ) I have been disputing with Exeter Finance LLC for years regarding this account XXXX This account had many inacquices causing my credit to be damage. The account was Charged off and Written off in the month of XX/XX/XXXX. Exeter Finance sold my account to XXXX XXXX XXXX without my consent. I found this information out by contacting Exeter Finance to make a Payment. I wasn't aware of what happen because I was never notified Both Exeter Finance And XXXX XXXX was both reporting on my credit at the same time for the same debt. When I asked Exeter Finance to remove themselves from my reporting they informed me that they couldn't and it didn't go against the Law. However that was inaccurate. I Showed Exeter Finance that the debt was paid in full they told me that it is not in their authority to delete the credit reporting that the credit bureaus are responsible for the removal. 

I contacted the IRS in XX/XX/XXXX because I was informed that when Exeter Finance written off the Debt I was suppose to receive a 1099 form to file it on my taxes as taxable income. I never received the 1099 form. Exeter Finance has acted as if they don't know what I am talking about. I sent many letters to them and have proof of my reporting that they written the full amount off and failed to send me my 1099 form. instead of giving me the chance to file it on my taxes they sold it to another company making me pay more money out as well as damaging my credit. Exeter Finance doesn't want to hold themselves responsible for the damages they caused.

Codes of Law 15.U.S.C 1681 ( e ) 15 U.S.C 1681-2 1 ( a ) ( b2 ) 15 U.S.C 1681n ( a ) ( 1 ) 15 U.S.C 1692e 15 U.S.C 1692f 15 U.S.C 1692h

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Recently checking my credit report i noticed that ive been a victim of identiy theft and found numerous credit inquiries i have no knowledge of here are the inquiries that ive found : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove these fraudulent inquiries from 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: 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: NC

Complaint narrative:
I would like to dispute these inaccurate accounts on my credit report. 

Experian : 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 2024-12-21 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: FL

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 account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts 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 2024-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: NJ

Complaint narrative:
I purchased XXXX XXXX XXXX from XXXX but received a completely different item. I initially contacted XXXX customer service over the phone to address the issue. I was instructed to return the incorrect item to a XXXX store, but the store 's customer service refused to accept the return, citing the lack of a barcode for the original item, which I never received. 

When I asked to speak with a supervisor, they refused to talk to me. I then contacted XXXX customer service again over the phone. The issue was escalated, and I later received an email response advising me to dispute the transaction with my credit card company. 

I filed a dispute with Discover and provided all supporting evidence, including a photo of the incorrect item delivered and the email from XXXX customer service recommending a dispute. Despite this, Discover rejected my dispute, claiming they could not validate my claim. 

I am seeking assistance to resolve this matter, as I believe I have provided sufficient evidence to substantiate my claim.

Company response to consumer: Closed with 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 information incorrect
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately from my credit report :

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 information incorrect
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ). 
Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from 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: 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: NC

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am filing a formal complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for account XXXX. Despite multiple requests for correction ( letters dated XX/XX/XXXXXXXX XXXX XXXX  ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Since my last dispute, nothing has changed, and the inaccuracies persist. 
FCRA Violations : According to 1

5 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement.

Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case. 
Reporting inaccurate information violates 15 U.S. Code 1681s-2, which prohibits the reporting of incomplete or inaccurate information to credit bureaus. 
Summary of Errors and Discrepancies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Two-Year Payment History : Late payments inaccurately reported for XX/XX/XXXX and XX/XX/XXXX. 
Account Description : Secured credit card, marked as " Amount in H/C column is credit limit, '' but conflicting details in payment timelines and balances. 
Impact on Creditworthiness : The discrepancies in the reporting by Equifax have caused significant damage to my creditworthiness, leading to denial of financial opportunities and undue stress. Accurate and complete information is critical for fair treatment in financial decisions.

Desired Resolution : Immediate removal of the inaccurate late payment notations from my credit report. 
Written confirmation of the correction. 
Assurance that the reporting will be accurate and consistent moving forward. 
If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with relevant agencies such as the Consumer Financial Protection Bureau ( CFPB ). 
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: Paramount GR Holdings, LLC
State: GA

Complaint narrative:
Goodleap has assured me that they would correct the erroneous reporting and they have not. They are still reporting late payments on my account to XXXX XXXX XXXX and this account has NEVER been late.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Im in disagreement with the account listed below and the dispute results, which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score Here is the item I am asking you to re-verify as 100 % ACCURATE XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so I may follow-up. Please send an updated copy of my credit report, after your reinvestigation.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late with payments. Ive attached a copy of my report to this complaint on the following dates XXXX XXXX XXXX I'm now requesting you investigate this account and update these payments to be paid on time immediately. Thank you for your understanding and prompt action.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late with payments. Ive attached a copy of my report to this complaint on the following dates XX/XX/scrub>XXXX XXXX XXXXXX/XX/year> I'm now requesting you investigate this account and update these payments to be paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
On XX/XX/year> I called to make a payment and was told it was delinquent and it was determined that it was reported to all credit bureaus. I did not realize as I had moved, been out of town and getting ready to start XXXX XXXX on top of several other things occurring at once. Which happens at times, and usually you get a call or a email or a letter and make a payment. I received nothing. I had asked that if I paid it off that the reporting be removed. The agent said no. The next day it was reported again to the credit bureaus after I had paid it off. My points went down nearly XXXX XXXX. This seems excessive. Credit card companies should make an attempt to reach out to consumers especially since I have never been late more than a couple of days. I have many credit cards and other creditors at least give you a heads up. I have to apply for some loans for XXXX XXXX and this will severely affect my ability to attend. I also will be on the market to buy a house. This will delay effect my ability to do so. Had this balance been with another creditor this would have never happened. This is not an incentive to ever use ALLY for any credit or banking purposes ever again.

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: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC
State: OK

Complaint narrative:
This account is listed as a charge off but when I requested a 1099C form it was not sent

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have requested a description of the procedure used to determine the accuracy and completeness of the information reported on my consumer report pertaining to a public record. The response I received from the results was that the public record has been verified. The original furnisher, US bankruptcy court sent me a letter stating that they do not verify or report to credit agency. Just because something is public record does not mean the credit bureau is allowed to report it, they must first verify it. The credit bureau is not lawfully and accurately investigating my dispute. The research they are doing is based on assumption of names and addresses from years past and with people with similar names. People with the same name and same address could be a different person. There are many people with the same names and date of birth. Social security numbers are redacted by law and so are many other personal information due to FCRA privacy rights. This public record is unverifiable and needs to be deleted. Please see attached document from the court.

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