vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I recently received a copy of my XXXX bureau consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX Balance : {$430.00} XXXX XXXX Balance : {$8800.00} XXXX XXXX XXXX XXXX Balance {$670.00}

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 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I recently received a copy of my XXXX bureau consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX Balance : {$430.00} XXXX XXXX Balance : {$8800.00} XXXX XXXX XXXX XXXX Balance {$670.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-13 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: TN

Complaint narrative:
I am writing to dispute and request verification of a late payment entry on my credit report related to my account with XXXX XXXX. Upon reviewing my credit report, I discovered this inaccurate information, and I am deeply concerned about its impact on my creditworthiness.This information is a late payment being reported on my credit report for the months of XX/XX/2024 Firstly, I request detailed verification of how this late payment was verified, as mandated by the Fair Credit Reporting Act ( FCRA ). Pursuant to FCRA 611 ( a ) ( 7 ), I demand that you provide me with the method used to verify the late payment, the entity that provided the information, the date of verification, and any supporting documentation or evidence used to justify its accuracy. 

Furthermore, I assert that any information added to my credit report without my written consent violates my rights under the FCRA. FCRA 604 requires that consumer reporting agencies obtain permission before reporting any information about an individual 's creditworthiness. As such, the addition of this late payment without my explicit consent constitutes a violation of my rights. 

Moreover, I want to highlight the illegality of reporting late payments without proper verification and validation. FCRA 607 requires that information reported by credit bureaus be accurate and complete. Additionally, FCRA 623 ( a ) ( 1 ) ( C ) mandates that information furnishers, such as XXXX XXXX, have a duty to provide accurate and complete information to credit reporting agencies. Therefore, any failure to verify the accuracy of late payments before reporting them is a violation of these provisions. 

Furthermore, I want to draw your attention to the potential violations of the Fair Debt Collection Practices Act ( FDCPA ). If this late payment was a result of debt collection efforts, it must comply with the FDCPA, which prohibits unfair, deceptive, and abusive debt collection practices. 

In light of the above violations of federal laws and regulations, I demand that you conduct a thorough investigation into this matter and provide me with a written explanation of the verification process used for the late payment on my account with XXXX XXXX. 

Failure to comply with the FCRA and other relevant laws and regulations, and address my concerns promptly, may result in further legal action. 

Thank you for your attention to this matter. I expect a prompt and thorough response. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-13 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:
FCRA 605B mandates the elimination of incorrect accounts from my credit report. Could you verify the documents, as some of the listed accounts contain inaccuracies in their reporting? Swift removal of these accounts is necessary.

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 2024-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
The Fair Credit Reporting Act gives me the opportunity to dispute any information on my credit report that I believe is inaccurate. This law requires all data included in a consumer 's file be documented and validated before it can go live for use by creditors, so I take this seriously! The allegations of delinquency and derogatory information against me are false. I will fight back with all my strength! However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you are not doing your job properly. It is imperative for this issue to be resolved immediately or else there could potentially be serious consequences, so I'm giving you 30 days from now ( the date of delivery ) in which time hopefully everything can become clear and correct itself with no need for intervention or escalation! I would like to receive physical proof of your actions and my updated credit report.The listed claims appear to be inaccurate. Please provide accurate and verified information for each claim, as the allegations are not true or I'll delete them immediately if that is indeed the case!

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 2024-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
As a federally protected consumer I'm seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) 15 USC 1692 ( f ) and USC 1692 ( g ) in this alleged matter. 2 ) What is your authorization of law for your collection of information? 3 ) What is your authorization of law for your collection of this alleged debt? 4 ) Please evidence your authorization to do business or operate in the state. 5 ) Please provide proof of the alleged debt, including specifically the alleged contract or other instrument bearing my wet signature. You have 7 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter and statements in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. I can't obtain housing or employment due to the violations on my credit file. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) will be notified regarding this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 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: Maximus Federal Services, Inc.
State: CT

Complaint narrative:
As a consumer I have a right to privacy and I have the right to opt out from getting my non-pubic persona information shared with non-affiliated third parties. When taking a loan from any financial insitiution, they must inform consumers of their rights. Under the XXXX XXXX XXXX XXXX, I have the right to opt out from getting my non-public personal information shared with non-affiliated third parties. XXXX, XXXX and XXXX are not affiliated with my financial instituiton that issued me the loan, XXXX Department XXXX XXXX Aidvantage. 

My rights have been violated by not providing me with the right to opt out from getting my personal non-public information shared.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently received a copy of my XXXX bureau consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXXXXXX Balance Owed : {$0.00} - tied up

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 2024-04-13 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:
15 U.S.C 1681 section 602 A. state have the rights to privacy.

account : OFFICE OF ATTORNEY/ AMOUNT XXXX $ ACCOUNT XXXX 15 U.S.C 1681 section 604 a section 2 : it also states a consumer reporting agency can not funish an account without my written instruction.

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 items of information other then records of conviction of crimes which antedates the reports more then 7 years.

15 U.S.C 1681s-2 ( a ) ( 5 ) 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 response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it, more so they didnt follow the proper XXXX step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my 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 2024-04-13 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: PA

Complaint narrative:
On XX/XX/XXXX submitted a dispute to Equifax regarding an account in collection on my report from XXXX XXXX XXXX in the amount of {$1200.00} that is listed from XX/XX/XXXX originally opened and XX/XX/XXXX last delinquent. In this dispute I requested a copy of the original contract signed by me that resulted in this debt. I received a response saying that the collection item was verified as accurate but I did not receive a copy of the contract with my signature that substantiates my debt. Also, Equifax updated my credit report to show that the account was first opened in XX/XX/XXXX, so it appears that I have a new delinquent account recently opened, which has caused my credit score to drop by over XXXX points today. This account does not belong to me, and it is being reported in a derogatory way that is affecting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 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: TN

Complaint narrative:
I am writing to dispute and request verification of a late payment entry on my credit report related to my account with XXXX XXXX. Upon reviewing my credit report, I discovered this inaccurate information, and I am deeply concerned about its impact on my creditworthiness.This information is a late payment being reported on my credit report for the months of XX/XX/2024 Firstly, I request detailed verification of how this late payment was verified, as mandated by the Fair Credit Reporting Act ( FCRA ). Pursuant to FCRA 611 ( a ) ( 7 ), I demand that you provide me with the method used to verify the late payment, the entity that provided the information, the date of verification, and any supporting documentation or evidence used to justify its accuracy. 

Furthermore, I assert that any information added to my credit report without my written consent violates my rights under the FCRA. FCRA 604 requires that consumer reporting agencies obtain permission before reporting any information about an individual 's creditworthiness. As such, the addition of this late payment without my explicit consent constitutes a violation of my rights. 

Moreover, I want to highlight the illegality of reporting late payments without proper verification and validation. FCRA 607 requires that information reported by credit bureaus be accurate and complete. Additionally, FCRA 623 ( a ) ( 1 ) ( C ) mandates that information furnishers, such as XXXX XXXX, have a duty to provide accurate and complete information to credit reporting agencies. Therefore, any failure to verify the accuracy of late payments before reporting them is a violation of these provisions. 

Furthermore, I want to draw your attention to the potential violations of the Fair Debt Collection Practices Act ( FDCPA ). If this late payment was a result of debt collection efforts, it must comply with the FDCPA, which prohibits unfair, deceptive, and abusive debt collection practices. 

In light of the above violations of federal laws and regulations, I demand that you conduct a thorough investigation into this matter and provide me with a written explanation of the verification process used for the late payment on my account with XXXX XXXX. 

Failure to comply with the FCRA and other relevant laws and regulations, and address my concerns promptly, may result in further legal action. 

Thank you for your attention to this matter. I expect a prompt and thorough response. 

Sincerely, 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 2024-04-13 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: TN

Complaint narrative:
I am writing to dispute and request verification of a late payment entry on my credit report related to my account with XXXX XXXX. Upon reviewing my credit report, I discovered this inaccurate information, and I am deeply concerned about its impact on my creditworthiness.This information is a late payment being reported on my credit report for the months of XX/XX/year> Firstly, I request detailed verification of how this late payment was verified, as mandated by the Fair Credit Reporting Act ( FCRA ). Pursuant to FCRA 611 ( a ) ( 7 ), I demand that you provide me with the method used to verify the late payment, the entity that provided the information, the date of verification, and any supporting documentation or evidence used to justify its accuracy. 

Furthermore, I assert that any information added to my credit report without my written consent violates my rights under the FCRA. FCRA 604 requires that consumer reporting agencies obtain permission before reporting any information about an individual 's creditworthiness. As such, the addition of this late payment without my explicit consent constitutes a violation of my rights. 

Moreover, I want to highlight the illegality of reporting late payments without proper verification and validation. FCRA 607 requires that information reported by credit bureaus be accurate and complete. Additionally, FCRA 623 ( a ) ( 1 ) ( C ) mandates that information furnishers, such as XXXX XXXX, have a duty to provide accurate and complete information to credit reporting agencies. Therefore, any failure to verify the accuracy of late payments before reporting them is a violation of these provisions. 

Furthermore, I want to draw your attention to the potential violations of the Fair Debt Collection Practices Act ( FDCPA ). If this late payment was a result of debt collection efforts, it must comply with the FDCPA, which prohibits unfair, deceptive, and abusive debt collection practices. 

In light of the above violations of federal laws and regulations, I demand that you conduct a thorough investigation into this matter and provide me with a written explanation of the verification process used for the late payment on my account with XXXX XXXX. 

Failure to comply with the FCRA and other relevant laws and regulations, and address my concerns promptly, may result in further legal action. 

Thank you for your attention to this matter. I expect a prompt and thorough response. 

Sincerely, 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 2024-04-13 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: MI

Complaint narrative:
I am lodging a complaint today to bring to your attention that I have been a victim of fraudulent activity. After conducting research on the proper procedure to address this issue, I discovered that I need to file an identity theft report with the Federal Trade Commission or visit https : //www.ftc.gov. Pursuant to FCRA Section 605b, Credit Reporting Agencies are mandated to remove any items listed on an identity theft report with reference number XXXX. Attached are documents to facilitate the removal of inquiries that have been erroneously posted to my report. Below is a list of items that were opened without my authorization : EXPERIAN : XXXX XX/XX/XXXX -- -- -- -- -- -- XXXX : XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. Per FCRA Section 605B ( a ), Credit Reporting Agencies are required to remove any information identified by the consumer as resulting from identity theft within four business days of receipt.

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 2024-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I checked my personal credit report, and I noticed that unauthorized inquiries have been made. I contacted the creditors who placed these inquiries, and asked them to remove them from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-13 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: CO

Complaint narrative:
There is an account that is on my credit report that I do not recognize. I sent a letter to Transunion letting them know that the company has not clearly and and conspicuously provided an address at which to write a dispute to. In Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ) of the FCRA, it clearly states the accounts should be removed. Transunion has NOT done an investigation and its been over 45 days nor have they removed this account 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 non-monetary relief