vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-22 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: AR

Complaint narrative:
According to the IRS, a charged off debt are considered an income, 15 USC 1681 ( 2 ) ( a ) ( i ). Income is forbidden to be on a consumers credit report/file. The original credit, XXXX XXXX XXXX wrote the debt off on their taxes and received a profit ... ... ... ... ... ... ..... 
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FCRA Section 623, 15 USC 1681s-2, Responsibilities of Furnishers Info ... ......

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12 CFR 1006.34c, Notice For Validations Of Debt ... ...... 
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I am exercising my rights under the FDCPA to request the following information : 1. The Purchase Assignment Agreement 2. Proof XXXX XXXX XXXX XXXX authorized to collect on behalf of the XXXX XXXX XXXX. 
3. Profit/Loss Statement of 1099c 4. Documentation of all assignments showing the transfer of the debt from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX. Proof that XXXX XXXX XXXX " securitized '' the debt. 
XXXX. Documentation showing the assignments of the debt from XXXX XXXX XXXX to the Secured Trust and then back to XXXXXXXX XXXX XXXX XXXX 
XXXX. A contract between myself ( XXXX XXXX ) and XXXX XXXX XXXX that bears my signature wherein I agreed to pay XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX. The amount paid to purchase this debt from XXXX XXXX XXXX. 
XXXX. The 1099c, since this debt has been charged off, written off. 
XXXX. The authorized printed and signed signature of XXXX XXXX XXXX and XXXX XXXX XXXX. 
... ... ... ... ... ... ... ... ... ... ... ... ... ..... 
I am demanding that Professional Credit Management " DO NOT '' send me a printed computer generated statement of a bill. I AM NOT requesting a bill statement. Please DO NOT SEND another bill statement from 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 2024-10-22 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: SD

Complaint narrative:
I have made on-time payments on this account every single month since I got it. In late XXXX, my credit report showed that I was 30 days delinquent on this account, despite verifying that I had no late payments. This has caused my credit to take a XXXX point hit. I contacted XXXX to ask them to evaluate the report, and never heard back or saw a change.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: GA

Complaint narrative:
This is a formal request for re-investigation because XXXX ( XXXX XXXX  XXXX ) remains in violation of the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 2 ), which requires data furnishers to report accurate and complete information to credit reporting agencies. Despite the balance on this account being settled and reported as {$0.00}, the payment status continues to be inaccurately reflected as " Charge-off. '' This incorrect reporting misrepresents the true status of the account, which has been fully resolved. The failure of XXXX to correct this reporting is a violation of their legal obligation under the FCRA. Additionally, under FCRA Section 611, I have the right to dispute inaccurate or incomplete information on my credit report. The current charge-off status is misleading and should no longer apply to this account. It is imperative that this status be deleted, as it incorrectly portrays unresolved delinquency despite the account being paid. 
Furthermore, FCRA Section 609 entitles me to verify the accuracy of all information being reported. Upon reviewing the information, it is evident that XXXX is not in compliance with its obligation to maintain accurate and up-to-date records, and the charge-off status must be corrected. Reporting this account as a charge-off after it has been settled and closed is harmful to my credit and incorrect. I am requesting an immediate re-investigation and that the inaccurate charge-off status for XXXX ( XXXX XXXX XXXX ) be removed from my credit report. This status is both inaccurate and incomplete, and its continued presence violates the FCRA. I look forward to receiving confirmation that this charge-off status has been deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 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: GA

Complaint narrative:
This is a formal request for re-investigation because XXXX ( XXXX XXXX  XXXX ) remains in violation of the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 2 ), which requires data furnishers to report accurate and complete information to credit reporting agencies. Despite the balance on this account being settled and reported as {$0.00}, the payment status continues to be inaccurately reflected as " Charge-off. '' This incorrect reporting misrepresents the true status of the account, which has been fully resolved. The failure of XXXX to correct this reporting is a violation of their legal obligation under the FCRA. Additionally, under FCRA Section 611, I have the right to dispute inaccurate or incomplete information on my credit report. The current charge-off status is misleading and should no longer apply to this account. It is imperative that this status be deleted, as it incorrectly portrays unresolved delinquency despite the account being paid. 
Furthermore, FCRA Section 609 entitles me to verify the accuracy of all information being reported. Upon reviewing the information, it is evident that XXXX is not in compliance with its obligation to maintain accurate and up-to-date records, and the charge-off status must be corrected. Reporting this account as a charge-off after it has been settled and closed is harmful to my credit and incorrect. I am requesting an immediate re-investigation and that the inaccurate charge-off status for XXXX ( XXXX XXXX XXXX ) be removed from my credit report. This status is both inaccurate and incomplete, and its continued presence violates the FCRA. I look forward to receiving confirmation that this charge-off status has been deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: AR

Complaint narrative:
According to the IRS, a charged off debt are considered an income, 15 USC 1681 ( 2 ) ( a ) ( i ). Income is forbidden to be on a consumers credit report/file. The original credit, The XXXX XXXX XXXX wrote the debt off on their taxes and received a profit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
FCRA Section 623, 15 USC 1681s-2, Responsibilities of Furnishers Info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
12 CFR 1006.34c, Notice For Validations Of Debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I am exercising my rights under the FDCPA to request the following information : XXXX. The Purchase Assignment Agreement XXXX. XXXX XXXX XXXX is authorized to collect on behalf of the XXXX XXXX XXXX XXXX 
XXXX. Profit/Loss Statement of XXXX XXXX. Documentation of all assignments showing the transfer of the debt from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX. Proof that XXXX XXXX XXXX XXXX XXXX  securitized '' the debt. 
XXXX. Documentation showing the assignments of the debt from XXXX XXXX XXXX XXXX to the Secured Trust and then back to XXXX XXXX XXXX XXXX XXXX 
XXXX. A contract between myself ( XXXX XXXX ) and XXXX XXXX XXXX that bears my signature wherein I agreed to pay XXXX XXXX XXXX ( & ) XXXX XXXX XXXX XXXX XXXX The amount paid to purchase this debt from XXXX XXXX XXXX XXXX 
XXXX. The XXXX, since this debt has been charged off, written off. 
XXXX. The authorized printed and signed signature of XXXX XXXX XXXX XXXX  and XXXX XXXX XXXXThis Is Inaccurate InformationXXXX 
XXXX. The Account is reporting as A Charge Off, and as Past Due, but no no actual payment amount, and open. How can this account be reporting as past due, and open and charged off, without a scheduled payment, no date of last payment, and a date of delinquency of XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I am demanding that XXXX XXXX XXXX " DO NOT '' send me a printed computer generated itemized statement of a bill. I AM NOT requesting a bill statement. Please DO NOT SEND another bill statement from XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 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: MD

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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 filing this FTC Identity Theft to report 1 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a CREDIT CARD opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that akk collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 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: GA

Complaint narrative:
RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 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: GA

Complaint narrative:
This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that the Consumer Financial Protection Bureau ( CFPB ) assist in the removal of fraudulent accounts appearing on my credit report. These accounts were opened as a result of identity theft and contain inaccurate and false information. The fraudulent accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} These accounts have resulted in fraudulent credit reporting and collections on my consumer credit report. I demand that these fraudulent items be removed immediately and that all related collection activities cease in accordance with my rights under the FCRA and FDCPA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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 filing this FTC Identity Theft to report XXXX separate fraudulent accounts appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a LOAN opened at XXXX XXXX XXXX XXXX {$14000.00} on XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that akk collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Colony Brands, Inc.
State: NY

Complaint narrative:
I request to stop mailing catalogs to my house since then my account is closed on line, I am unable to make online payments on my account and it has created inconvenience for me to mail out checks payments using a check and stamp to mail in my payments. XXXX understand why my account reflects XXXX  balances. I have never received a letter of explanation on what is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: EQUIFAX, INC.
State: SC

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, XXXX, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 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: CA

Complaint narrative:
RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 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: GA

Complaint narrative:
RE : XXXX Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within XXXX business days, pursuant to Section 605C of the Fair Credit Reporting Act.

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