vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-20 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: AZ

Complaint narrative:
I am writing to file a formal complaint against Experian for its refusal to remove inaccurate addresses from my credit report, in direct violation of my rights under Section 605B of the Fair Credit Reporting Act ( FCRA ).

As a victim of identity theft, I have provided Experian with the necessary documentation to substantiate my claim, including FTC report, signed statements, DL and Proof of address. Despite this, Experian has failed to comply with my request to remove inaccurate or outdated information associated with fraudulent activity, specifically old addresses that are no longer valid or relevant to my current credit profile.

Under Section 605B of the FCRA, credit reporting agencies are required to block information resulting from identity theft upon receiving appropriate proof of identity theft. Experian 's refusal to address my request is causing ongoing harm and does not align with the obligations outlined in the FCRA. 
I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that Experian removes the old addresses from my credit report promptly. I also request that you require Experian to provide written confirmation of the corrections once they are made.

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 2024-12-20 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: AFNI INC.
State: VA

Complaint narrative:
Possession on this debt for my review XXXX. XXXX From my understanding, the law allows me to ask for information regarding this debt. Please send me all documentation in your possession on this debt for my review. 
I also would like to see documentation with my signature that shows I am doing business with AFNI with my signature on it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
after several attempts as of this date I never received the requested information. 
Thank you. I appreciate your help. as of today XX/XX/year>, you can send them to the following address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX I am looking to get the following documents from you which I previously requested more than 30 days ago and have not received an answer. I believe 30 Days is more than sufficient to respond. 

Presale Letter Post Sale Letter Commercially Reasonable Manner of the transaction Letter Awaiting your response XXXX XXXX ( XXXX ) XXXX Was not able to out the information in my taxes since it wasn't correct

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: MI

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXXXXXX

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 2024-12-20 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: KY

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 NUMBER : XXXX 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  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 non-monetary relief
Consumer complaint received 2024-12-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ADP Inc.
State: MD

Complaint narrative:
Had a XXXX with ADP as the book and record keeper my company went out of business and ADP changed the language in the prospectus XXXX weeks before they charged me a very high fee of XXXX dollars, they gave me several different reasons for the fee at first it was for book and record keeping the last reason was they had to do a audit the book and record keeping fees usually came out every XXXX months they charged me XXXX dollars on XX/XX/24 and then charged me XXXX XX/XX/24 supposedly for a audit I only had XXXX in the account so that's a 1 % fee of my hard earn retirement I don't have XXXX Dollars to give them they took it because they could and there wasn't anything I could do about it, I was about to do a rollover.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This account was reported as " charged off '' to all three credit bureaus, but I have not received a 1099C from XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This account was reported as " charged off '' to all three credit bureaus, but I have not received a 1099C from XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This account was reported as " charged off '' to all three credit bureaus, but I have not received a 1099C from 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 2024-12-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries.

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 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: CO

Complaint narrative:
I have had many, many problems with Mohela since they transitioned to a new platform in XX/XX/year>. Their ongoing failure to report the payments I have made for XXXXXXXX XXXX is only one of the many problems I have experienced. Since their transition to a new platform in XXXX, Mohela has not reported to XXXX the payments that I have made on my loans, 2 of which have been paid in full and have been closed, yet still show balances on my credit report months later. I have filed multiple disputes with XXXX, first in XXXX then in XX/XX/year>, but nothing has been corrected despite proving to XXXX that these loans were paid off by sending them my payoff letters, because they say they can not update my credit report, only Mohela can do that, and they haven't. I have reached out directly to Mohela many times and was told they would expedite my request, but that I was not allowed to speak to the people who actually do the credit reporting, so all they could do was put in a request and ask for it to be expedited. As I am typing this I am currently on hold with them and have been for over 2 hours now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: TX

Complaint narrative:
I am filing a complaint against Equifax due to their failure to address my dispute of unauthorized inquiries within the legally mandated timeframe. I sent a dated and time-stamped dispute letter on XX/XX/XXXX ( attached ), detailing that certain inquiries on my report were unauthorized and accompanied by an FTC report as evidence. Under U.S. law, these inquiries must be removed promptly. Over 30 days have passed with no acknowledgment or corrective action taken. I, XXXX XXXX, confirm that the following accounts were unauthorized and are to be removed from my credit report : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Gatestone & Co. International Inc.
State: ID

Complaint narrative:
I recieved a response from GATESTONE & CO through CFPB that they have no authorization to remove my information from XXXX  credit report. I just recieved a new letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX stating that GATESTONE & CO was assigned to this account XXXX. Please read attachment. In this case I am asking GATESTONE & CO to provide these Items or have my credit report cleared ASAP. 

Here are items Needed : 1. Please provide your License to collect debt in IDAHO an Unincorporated Jurisdiction ( The Dejure ) and or The State of Idaho ( The Defacto ) A Foreign Entity ) 2. Please Provide your EIN Number 3. Please Provide a Chain of Custody for the alleged Debt 4. Please provide the original purchase agreement that shows you are legal owner of this alledge debt.

5. Please include all the terms and codition that are included in this purchase agreement.

6. Under USC 1962G Send a FULL detail list of the payment history on this account.

7. Has there been any insurance claimed found on this Debt?

Once again, If you can't perform or provide any of above items please remove from credit report or it will be considered violation of my rights under 15 U.S. Code 1692b. Under 15 U.S. CODE 1692k Civil Liability any debt collector who fails to comply with any provision of this subchapter 2A in the case of any action by an individual, such additional damages as the court may allow, not exceeding {$1000.00}.

From this point, ALL or ANY mailing that is sent from GATESTONE & CO or XXXX XXXX to this property MUST be sent by Certified Mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lockhart, Morris & Montgomery Inc.
State: WI

Complaint narrative:
The company Lockhart , Morris & Mont is reporting incorrect information on my credit report. They are reporting the incorrect start date so that the debt will stay on my report longer and reporting that Im missing payments on my credit report. This has cause me not to be able to rent or buy a house and is causing problems with my mental health. They have been doing this for more than a couple years. XX/XX/20 to present day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.

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 2024-12-20 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:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.

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 2024-12-20 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: WI

Complaint narrative:
On XX/XX/year> I requested equifax remove an account from my credit report XXXX This account was removed then Account reinsertion happened in error This account should be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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: AZ

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 ( e ) ( b ). 
Account name : XXXX XXXX XXXX Account XXXX XXXXXXXX, Account name : XXXX XXXX XXXX Account XXXX XXXXXXXX, have violated my rights. 

I looked at my experian credit report on XXXX XXXX and noticed somethings are incomplete and inaccurate, And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 6 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 2024-12-20 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: MS

Complaint narrative:
I am submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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: MS

Complaint narrative:
I am submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: FL

Complaint narrative:
I am filing this complaint against the credit reporting agencies for failing to correct inaccurate information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

The issue concerns a XXXX XXXX  XXXX account that was charged off and sold to a debt collector. The collection agency failed to validate the debt, yet XXXX XXXX XXXXXXXX continues to report a balance on the account. According to the FCRA, information on my credit report must be accurate and not misleading ( 15 U.S.C. 1681e ( b ) ). Once the debt was sold, XXXX XXXX XXXXXXXX was required to update the account to show a {$0.00} balance. 

I have disputed this issue multiple times with the credit reporting agencies, but they have not corrected or removed the account as required by 15 U.S.C. 1681i ( a ). Their failure to investigate and resolve these disputes violates my rights under the FCRA.

Under 15 U.S.C. 1681n, I am entitled to statutory damages of {$100.00} {$1000.00} for each violation. I request that this inaccurate account be deleted immediately, and I be compensated for the repeated failure to address my disputes. 

Thank you for addressing this matter promptly.

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