vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-11-26 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:
On XX/XX/year> a certified notice with Tender of Payment of statement coupon was accepted for deposit, endorsed and sent to XXXX XXXX XXXX XXXX requesting him to perform his duties and credit the account, the notice included terms that if XXXX XXXX XXXX XXXX found any issues to the respond in writing within % days of receiving the negotiable instrument / tender of payment and if no response was given then aforesaid performance would be deemed completed. There was no response sent via mail by XXXX XXXX XXXX XXXX so the duties requested should be completed. I have since received an alert from the credit agencies stating that my account is past due which is inaccurate and even more a violation of my consumer rights.

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 2024-11-25 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:
To Whom It May Concern, I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2, and I am requesting that this information be blocked immediately. Enclosed, please find a copy of my Police Report/FTC Identity Theft Report with reference number FTC REPORT NUMBER : XXXX, which supports my identity theft claim. 
Under Section 1681c-2 of the FCRA, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within four business days. The information listed below is the result of identity theft and must be blocked : 1. XXXX XXXX XXXX XXXX Account Number : 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 2024-11-26 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: CA

Complaint narrative:
I am submitting a formal complaint regarding multiple inaccuracies on my credit report - charged-off accounts that are being misreported. These errors are unfairly causing significant damage to my credit and should be corrected immediately. The charged-off accounts are being inaccurately reported, showing incorrect details such as credit limits and past due balances, which is inconsistent with how charged-off accounts should be represented.

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 2024-11-26 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: IL

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX regarding the inaccurate reporting of bankruptcy information on my credit file. The bankruptcy, filed on [ XXXX XXXX XXXX ], has been reported to the credit bureaus, despite the bankruptcy courts confirmation that they do not report any information to the credit bureaus. I am requesting that XXXX XXXX XXXX provide evidence of their permissible purpose and proof of consent for sharing this information with the credit bureaus. 

Issues with Bankruptcy Reporting : Courts Statement : The bankruptcy court has explicitly stated that they do not report information to the credit bureaus. This raises questions about the source of this bankruptcy reporting. 

No Proof of Consent : I have not been provided with proof that I consented to the reporting of my bankruptcy to the credit bureaus, nor has it been validated whether XXXX or any other third-party vendor had permission to share this information with the bureaus. 

Unlawful Reporting : As XXXX, XXXX or other data furnishers may be involved, I dispute the lawfulness of the reporting process under 15 U.S.C. 1681e ( b ), as this data may have been shared without legal consent or permissible purpose.

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 2024-11-25 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: MI

Complaint narrative:
I was shocked to discover an account on my credit report that is either entirely incorrect or completely unrelated to me. This glaring error has already caused substantial harm to my credit score and could have even broader negative consequences on my financial life.

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 2024-11-25 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: CA

Complaint narrative:
I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. 

Depending solely on your flawed XXXX XXXX has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA  in question. Sending out a generic form letter through the XXXX XXXX that does not even contain my reasons for the dispute is by no ones measure reasonable. 
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 2024-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
KINDLY HELP ME. I'M GETTING STRESSED UP EVERY TIME I SEE THESE FRAUDULENT BANKRUPTCY RECORD. I WANT THESE TO BE PERMANENTLY REMOVED OFF 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 non-monetary relief
Consumer complaint received 2024-11-25 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: CT

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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: CT

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-11-25 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: CA

Complaint narrative:
Dear CFPB Team, I am reaching out to report a violation of my rights under the Fair Credit Reporting Act ( FCRA ) by XXXX XXXX XXXX. 

In particular, XXXX XXXX XXXX has infringed upon my rights in accordance with : 15 U.S.C. 1681 Section 602 ( a ) : which grants me the right to privacy.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) : which stipulates that a consumer reporting agency is prohibited from providing information about my account without my explicit written consent. 
Additionally, I do not recognize having an account with XXXX XXXX XXXX and have never opened an account with them. Therefore, this could potentially be a case of identity theft, in violation of 15 U.S.C. 1681 Section 605B, which provides protections for identity theft victims, including the blocking of fraudulent information from credit reports. 

I request that this matter be reviewed promptly, as these violations have adversely impacted my credit profile. I appreciate your assistance in ensuring that my rights are respected and that the necessary corrective actions are taken. 

Thank you for your attention to this issue. 

Sincerely,

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 2024-11-25 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: CA

Complaint narrative:
Dear CFPB Team, I am reaching out to report a violation of my rights under the Fair Credit Reporting Act ( FCRA ) by XXXX XXXX XXXX. 

In particular, XXXX XXXX XXXX has infringed upon my rights in accordance with : 15 U.S.C. 1681 Section 602 ( a ) : which grants me the right to privacy.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) : which stipulates that a consumer reporting agency is prohibited from providing information about my account without my explicit written consent. 
Additionally, I do not recognize having an account with XXXX XXXX XXXX and have never opened an account with them. Therefore, this could potentially be a case of identity theft, in violation of 15 U.S.C. 1681 Section 605B, which provides protections for identity theft victims, including the blocking of fraudulent information from credit reports. 

I request that this matter be reviewed promptly, as these violations have adversely impacted my credit profile. I appreciate your assistance in ensuring that my rights are respected and that the necessary corrective actions are taken. 

Thank you for your attention to this issue. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Lendmark Financial Services
State: PA

Complaint narrative:
Lenmark at XXXX XXXX XXXX XXXX XXXX ga XXXX. Reports written off on credit reports income isnt reported on credit reports please issue a 1099c according to irs regulations XXXX written off in amt over XXXX must issue 1099 c so I can pay taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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: FL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-11-26 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: CO

Complaint narrative:
I am writing to inform you of the false statement of the renewed lease agreement atXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Colorado. I have received a false renewed lease agreement that I do not recall signing. The addendum differs from the date signed. It mentions that it was entered on XX/XX/XXXX, and signed on XX/XX/XXXX, covering the term from XX/XX/XXXX, to XX/XX/XXXX. However, my first contact was on XXXX, and I do not recall signing this document due to being out of the country on the date mentioned in the lease agreement, XX/XX/XXXX. 

I also received an email on XX/XX/XXXX about a final rental reminder that states a past-due balance of {$1100.00} ; however, I talked to the assistant manager on XX/XX/XXXX of XXXX, and I also sent an email on the same date ; however, they responded that I needed to pay in full although I explained that I did not sign the contract and this was a false statement. On XX/XX/XXXX, I sent another email to find a possible solution after receiving the email about the late fees. However, I was still waiting for a response. I sent another email on XX/XX/XXXX, hoping to clarify the contract and find the best possible solution, but I was still waiting for an answer. 
They are telling me that I owe {$9300.00} to XXXX XXXX XXXX XXXX XXXX/ XXXX. I now request that you promptly and effectively remedy these issues. I ask that the renewed lease agreement contract be voidable to resolve this issue since the information is false and fraudulent. I did pay in full the amount owed for the initial lease agreement here I attached XXXX receipts

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
A fraudulent hard credit inquiry from Capital One on XX/XX/year>2024, brought to my attention by my credit monitoring. I called Capital One and they have no information about it, they refer me to the 3 credit bureaus, the credit bureaus then refer me back to Capital One with no attempt to resolve this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 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: UT

Complaint narrative:
RECENTLY I LOOKED AT A COPY OF MY CREDIT REPORT AND NOTICED SEVERAL INACCURACIES ON MY ACCOUNT. THIS ACCOUNT IS HURTING MY ABILITY TO OBTAIN CREDIT. IT IS MY UNDERSTANDING THAT YOU WILL INVESTIGATE THESE ITEMS FOR ME TO ENSURE ACCURACY. 

HERE IS THE ITEM I AM ASKING YOU TO VERIFY AS ACCURATE : 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 2024-11-26 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: FL

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-11-26 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 writing to formally dispute the fraudulent accounts listed below, which have been opened in my name without my knowledge or consent. These accounts have been reported to the credit bureaus TransUnion, XXXX, and XXXX, and are a direct result of identity theft. I believe these accounts violate multiple consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which mandates the accurate reporting of credit information ; the Identity Theft and Assumption Deterrence Act, 18 U.S.C. 1028, which criminalizes the unauthorized use of personal information ; and the Consumer Credit Protection Act ( CCPA ), 15 U.S.C. 1601 et seq., which ensures the accuracy and integrity of credit reporting. Despite my efforts to resolve this matter with the credit reporting agencies, these fraudulent accounts remain on my credit report, and I am requesting the intervention of the Consumer Financial Protection Bureau to ensure these violations are addressed and my credit report is corrected. 

The accounts are listed as the following : XXXX XXXX - Account Number : XXXX XXXX  XXXX - Account Number : XXXX XXXX  - Account Number : XXXX I have not authorized any transactions or accounts with these institutions, and I believe these entries are the result of identity theft or fraud. I kindly request an investigation into these accounts and the removal of any fraudulent entries from my credit report. These accounts and their immediate removal from my credit report. I have attached a copy of the FTC report as well as my ID etc.

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 2024-11-26 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: IL

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-11-26 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: NV

Complaint narrative:
I was a victim of identity theft. There are inquiries on my XXXX and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX XXXX - XXXX XXXX, 2024 XXXX. XXXX XXXX - XX/XX/year>2024 XXXX. XXXX XXXX - XX/XX/year>2024 XXXX. XXXX XXXX XXXX - XXXX XXXX, 2024 XXXX. XXXX XXXX XXXX - XXXX XXXX, 2024 XXXX. XXXX XXXX  XXXX - XX/XX/year>2024 XXXX. XXXX XXXX - XX/XX/year>2024 2024

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