vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have already filed a complaint with the XXXX credit bureaus regarding negative items on my credit report. However, my complaint was ignored, and I was wrongfully accused of using a third party to submit it, despite providing my personal information. I want to make it clear that I personally submitted the complaint. If my complaint is disregarded again, I will pursue legal action against the bureaus for violating my rights. Additionally, I demand compensation for the damage they have caused to my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX is claiming I owe a debt {$1500.00} however they have not showed verifiable proud that the debt belongs to me. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), XXXX XXXX XXXX is required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for their reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof from XXXX XXXX XXXX ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed above. Their failure to positively verify this account has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, and you must not place this account on my credit reports. I demand XXXX XXXX XXXX cease and desist all collection activities on this account and remove this account off of my credit reports immediately. 

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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 2025-01-07 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 am writing to formally dispute several inaccuracies and inconsistencies on my credit report, as reported by your agencies. These inaccuracies are violations of my rights under the Fair Credit Reporting Act ( FCRA ), which requires that credit reporting agencies report only accurate and verifiable information. And doing so, please delete all These account from my credit report Below are the accounts that require your immediate attention : XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX  ) Account Number : [ XXXX ] Violation : Failure to Mark Account XXXX Disputed This account is currently under dispute, as indicated in my communication with the creditor. 
However, your reporting across the credit bureaus is inconsistent. Specifically : - TransUnion has marked the account as disputed. 
- XXXX does not reflect the dispute status. 
- XXXX shows " Consumer disputes - reinvestigation in progress. '' I request that all bureaus delete this account to properly reflect the dispute status as required by the FCRA. 
XXXX. Auto Loan Account ( Opened XX/XX/XXXX ) Account Number : [ XXXX ] Violation : Inconsistent Reporting of Balance and Past Due Amounts This account shows different balances across the credit bureaus : - TransUnion XXXX {$32000.00} - Experian : {$32000.00} - XXXX XXXX {$31000.00} These discrepancies are unacceptable and violate the FCRA XXXX requirement for accurate reporting. I request a full investigation into the correct balance amount and a Deletion across all credit bureaus. 
XXXX. Auto Loan Account ( Opened XX/XX/XXXX ) Account Number : [ XXXX ] Violation : Reporting of Unauthorized Services This account was the result of unauthorized services, as indicated in my consumer statement : " CONSUMER STATEMENT : THIS ACCOUNT WAS THE RESULT OF UNAUTHORIZED SERVICES. '' I request that this account be fully investigated and that your records be updated to accurately reflect the outcome of the investigation. The account should not be reported as a charge-off if it was opened fraudulently or without my consent. 
Action Requested : 1. Conduct a thorough investigation of each disputed account. 
XXXX. Delete the this account across all reporting agencies. 
XXXX. Provide me with a written confirmation of the updates made to my credit report. 
I trust you will handle this matter in compliance with your obligations under the FCRA. Please respond to my dispute within 30 days, as required by law. 
Thank you for your prompt attention to this matter.

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 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to formally dispute several inaccuracies and inconsistencies on my credit report, as reported by your agencies. These inaccuracies are violations of my rights under the Fair Credit Reporting Act ( FCRA ), which requires that credit reporting agencies report only accurate and verifiable information. And doing so, please delete all These account from my credit report Below are the accounts that require your immediate attention : XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : [ XXXX ] Violation : Failure to Mark Account XXXX Disputed This account is currently under dispute, as indicated in my communication with the creditor. 
However, your reporting across the credit bureaus is inconsistent. Specifically : - XXXX has marked the account as disputed. 
- XXXX does not reflect the dispute status. 
- Equifax shows " Consumer disputes - reinvestigation in progress. '' I request that all bureaus delete this account to properly reflect the dispute status as required by the FCRA. 
XXXX. Auto Loan Account ( Opened XX/XX/XXXX ) Account Number : [ XXXX ] Violation : Inconsistent Reporting of Balance and Past Due Amounts This account shows different balances across the credit bureaus : - XXXX XXXX {$32000.00} - Experian : {$32000.00} - Equifax XXXX {$31000.00} These discrepancies are unacceptable and violate the FCRA XXXX requirement for accurate reporting. I request a full investigation into the correct balance amount and a Deletion across all credit bureaus. 
XXXX. Auto Loan Account ( Opened XX/XX/XXXX ) Account Number : [ XXXX ] Violation : Reporting of Unauthorized Services This account was the result of unauthorized services, as indicated in my consumer statement : " CONSUMER STATEMENT : THIS ACCOUNT WAS THE RESULT OF UNAUTHORIZED SERVICES. '' I request that this account be fully investigated and that your records be updated to accurately reflect the outcome of the investigation. The account should not be reported as a charge-off if it was opened fraudulently or without my consent. 
Action Requested : 1. Conduct a thorough investigation of each disputed account. 
XXXX. Delete the this account across all reporting agencies. 
XXXX. Provide me with a written confirmation of the updates made to my credit report. 
I trust you will handle this matter in compliance with your obligations under the FCRA. Please respond to my dispute within 30 days, as required by law. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: NV

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law.

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 2025-01-07 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: MI

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. 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 to be 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 XXXX  days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX 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! 


Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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:
All 3 credit reporting agencies have reported a fraudulent XXXX  on my credit reports, first of call no Court in the United States furnishes information to a credit reporting agency such as Experian, XXXX or XXXX, so how did they obtain this false information? 
You stated that the account was verified, how did you come to possess this information? 
I am very sure I did not give you any permission ; no permissible purpose.

15 USC 1681b In general Subject to subsection ( c ), anyconsumer reporting agencymay furnish aconsumer reportunder the following circumstances and no other : ( 2 ) In accordance with the written instructions of theconsumerto whom it relates. 

When did I give you permission? Your action amounts to fraud and aggravated Identity theft 15 USC 1681q You Obtained my information under false pretenses.

Anypersonwho knowingly and willfully obtains information on aconsumerfrom aconsumer reporting agencyunder false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 

18 USC 1028A Whoever, during and in relation to anyfelony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 

You are guilty of obtaining my private non public personal information, you had no form of permissible purpose, you knowingly accessed my consumer report without any permissible purpose. 

The account # that you have verified can not be verified, the data furnisher must verify this disputed request, yes both of you alleged that this account was verified, But as you can see, in the attachments the source you have used to tell you verified just deleted this inaccurate account in less from the consumer report. 

Promptly delete this account from my credit reports and to every person you have furnished this inaccurate into to. 

Bankruptcy XXXX XXXX XXXX Filed on XX/XX/year> Reference number : XXXX XXXX : XXXX XXXXXXXX XXXX GA 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 2025-01-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Subject : Complaint Regarding Incorrect Account Reporting, Violation of 15 U.S. Code 1681e and 15 U.S. Code 1681i Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding an account inaccurately reported on my Experian credit report. The reporting company has failed to comply with the Fair Credit Reporting Act ( FCRA ), and their actions may also violate IRS regulations regarding debt forgiveness.

Details of the Issue : The account in question was sold, transferred, or charged off. However : 1. The account remains negatively reported on my Experian credit report, in violation of 15 U.S. Code 1681e, which requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy.

2. Despite my dispute, the company has failed to conduct a proper reinvestigation as required under 15 U.S. Code 1681i.

Additionally, because this account was charged off, the creditor was required to issue me a 1099-C for canceled debt income under IRS guidelines . Instead, they continue to report the balance as a negative item on my credit report, which constitutes double reporting and is inaccurate. If the account was sold or transferred, the original creditor no longer has a legal right to report the balance.

Harm Caused : The inaccurate reporting has negatively impacted my credit score, which has affected my ability to secure loans or credit at reasonable terms.

I have also been unable to file proper tax documentation due to the lack of a 1099-C for the charged-off debt. 


Supporting Documents : I am attaching my XXXX credit report highlighting the account in question. I attached a letter from XXXX whom states they couldnt find any account and needed me to provide information. I never signed a contract with XXXX and additionally I am requesting the original contract agreement signed by me and dated with the company XXXX. Additionally, I am happy to provide any further information necessary to assist in resolving this issue. 

Thank you for your time and attention. I look forward to your assistance in ensuring compliance with the FCRA and IRS regulations. 

Sincerely, 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 2025-01-07 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: LA

Complaint narrative:
Subject : Complaint Regarding Incorrect Account Reporting, Violation of 15 U.S. Code 1681e and 15 U.S. Code 1681i Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding an account inaccurately reported on my XXXX credit report. The reporting company has failed to comply with the Fair Credit Reporting Act ( FCRA ), and their actions may also violate IRS regulations regarding debt forgiveness. 

Details of the Issue : The account in question was sold, transferred, or charged off. However : XXXX. The account remains negatively reported on my XXXX credit report, in violation of 15 U.S. Code 1681e, which requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy. 
2. Despite my dispute, the company has failed to conduct a proper reinvestigation as required under 15 U.S. Code 1681i.

Additionally, because this account was charged off, the creditor was required to issue me a 1099-C for canceled debt income under IRS guidelines . Instead, they continue to report the balance as a negative item on my credit report, which constitutes double reporting and is inaccurate. If the account was sold or transferred, the original creditor no longer has a legal right to report the balance.

Harm Caused : The inaccurate reporting has negatively impacted my credit score, which has affected my ability to secure loans or credit at reasonable terms.

I have also been unable to file proper tax documentation due to the lack of a 1099-C for the charged-off debt.

Supporting Documents : I am attaching my XXXX  credit report highlighting the account in question. I attached a letter from XXXX whom states they couldnt find any account and needed me to provide information. I never signed a contract with XXXX and additionally I am requesting the original contract agreement signed by me and dated with the company XXXX. Additionally, I am happy to provide any further information necessary to assist in resolving this issue. 

Thank you for your time and attention. I look forward to your assistance in ensuring compliance with the FCRA and IRS regulations. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
As of XX/XX/XXXX this Loan or Mortgage has been assumed by my ex-wife. I am no longer responsible for this loan and or mortgage. I have since requested that shellpoint mortgage service update and reflect on all credit bureau 's and remove this account from my credit reports. as of XX/XX/XXXX they have not removed this information from my credit reports. this is holding me up from purchasing a new property. My ex-wife has also stated they have not reported this information to reflect on her credit report to show her as the new owner. they have modified all of the new information for the Loan but not removed the old information I have requested several times. its been XXXX months and they are still reporting to my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

Outstanding Compliance Issues :

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 2025-01-07 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: AZ

Complaint narrative:
Hello, I am requesting an investigation into these accounts as there appears to be a discrepancy regarding their accuracy on my credit report. These accounts were removed previously but have been reinstated without my awareness. I did not receive any notification or correspondence about their reappearance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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: FL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-01-07 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: AZ

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am a CO-BORROWER and I am on social security XXXX ... My daughter can not afford to pay the {$480.00} a month on a retail salary. We requested a refinancing loan they do not offer it. But still continuing harassing us to make a full car note. She needs her car to get to work and I am currently helping her with her bills. I requested a longer time to pay to make payments smaller but they are not working with me.

Company response to consumer: Closed with explanation