vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-11 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Subject : Dispute of Inaccurate Credit Report Information Credit Report Account Number : XXXX Creditor : XXXX XXXX XXXX Dear XXXX Credit Bureau Name ], I am writing to formally dispute the inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ). The account in question is from XXXX XXXX XXXX, with the following details : Account Number : XXXX Balance : {$52.00} Original Creditor : XXXX XXXX XXXX Date Opened : XX/XX/year> Payment Status : Seriously past due/ Assigned to attorney, collection agency, or credit grantor 's internal collection department Balance Date : XX/XX/year> Account Status : Not Satisfying Trade Dispute Basis : No Valid Contract : I do not have any contractual relationship with XXXX XXXX XXXX. Under 15 U.S. Code 1692e of the Fair Debt Collection Practices Act ( FDCPA ), debt collectors must not use false, deceptive, or misleading representations. The absence of a direct contract between myself and XXXX XXXX XXXX invalidates the reporting of this debt on my credit report. 

Inaccurate Reporting : The FCRA mandates that all information on a consumer 's credit report must be accurate and verifiable. The information reported by XXXX XXXX XXXX, including the balance and status of this account, is inaccurate. Furthermore, the account was reported as " Seriously past due '' without sufficient evidence or verification of the debt. 

Potential Consumer Rights Violation : Reporting this account as derogatory without a valid contract and sufficient evidence XXXX constitute a violation of my consumer rights under the FCRA. The lack of detailed payment history and unclear status updates further questions the legality of this reporting. 

Request for Resolution : I request that [ Credit Bureau Name ] conduct a thorough investigation into this matter. If you are unable to verify the accuracy and legality of this information, I demand that this collections account be removed from my credit report immediately. 

Please notify me of the outcome of your investigation within the XXXX period as required by the FCRA. If the investigation reveals that the information is inaccurate, I request that the account be removed from my credit report and that I be provided with an updated copy of my report. 

Thank you for your prompt attention to this matter. If further information or documentation is required, please do not hesitate to contact me. 

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 2024-08-11 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Subject : Dispute of Inaccurate Credit Report Information Credit Report Account Number : XXXX Creditor : XXXX XXXX XXXX Dear [ Credit Bureau Name ], I am writing to formally dispute the inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ). The account in question is from XXXX XXXX XXXX, with the following details : Account Number : XXXX Balance : {$52.00} Original Creditor : XXXX XXXX XXXX Date Opened : XX/XX/year> Payment Status : Seriously past due/ Assigned to attorney, collection agency, or credit grantor 's internal collection department Balance Date : XX/XX/year> Account Status : Not Satisfying Trade Dispute Basis : No Valid Contract : I do not have any contractual relationship with XXXX XXXX XXXX. Under 15 U.S. Code 1692e of the Fair Debt Collection Practices Act ( FDCPA ), debt collectors must not use false, deceptive, or misleading representations. The absence of a direct contract between myself and XXXX XXXX XXXX invalidates the reporting of this debt on my credit report. 

Inaccurate Reporting : The FCRA mandates that all information on a consumer 's credit report must be accurate and verifiable. The information reported by XXXX XXXX XXXX, including the balance and status of this account, is inaccurate. Furthermore, the account was reported as " Seriously past due '' without sufficient evidence or verification of the debt. 

Potential Consumer Rights Violation : Reporting this account as derogatory without a valid contract and sufficient evidence XXXX constitute a violation of my consumer rights under the FCRA. The lack of detailed payment history and unclear status updates further questions the legality of this reporting. 

Request for Resolution : I request that [ Credit Bureau Name ] conduct a thorough investigation into this matter. If you are unable to verify the accuracy and legality of this information, I demand that this collections account be removed from my credit report immediately. 

Please notify me of the outcome of your investigation within the XXXX period as required by the FCRA. If the investigation reveals that the information is inaccurate, I request that the account be removed from my credit report and that I be provided with an updated copy of my report. 

Thank you for your prompt attention to this matter. If further information or documentation is required, please do not hesitate to contact me. 

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 2024-08-11 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: PA

Complaint narrative:
15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft, not later than 4 business days after the date of receipt. These accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  It has been 30 days and you are in VIOLATION of this law because I am a victim of identi theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION Under, IS U.S Code 168lb - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report un the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consum 1 am demanding the deletion of the accounts listed IMMEDIATELY

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 2024-08-11 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
I signed a 1 year lease agreement with The estates at XXXX XXXX  from XX/XX/XXXX to XX/XX/XXXX XXXX.That was in XXXX tx XXXX 
Rent, water, sewer, parkingXXXX  paid each month in 1 bill. 
Rent itself was {$1300.00} plus other charges mentioned above. 
XX/XX/XXXX, i paid to them the amount of {$1600.00} { rent plus all other charges } XXXX, XX/XX/XXXX i rented a XXXX truck to relocate from XXXXXXXX tx to XXXX ohio. 
My 1 year lease agreement in XXXX ohio was signed with XXXX XXXX XXXX  from XX/XX/XXXX to XX/XX/XXXX. 
I was surprised to see a collection agency asking me to pay {$3800.00}, asking the same amount to my wife too. 
I disputed with them, as response they said '' i moved out on XX/XX/XXXX which is wrong. 
They said again that i gave the move out notice on XX/XX/XXXX which is wrong.The notice was given in their required time { 2 months before }. 
Estates at XXXX XXXX  or National credit system can not prove that in XX/XX/XXXX i was still in XXXX tx.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
There is a bankruptcy resorted in my account that does not belong to me. I want it removed immediately.

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 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
There is a bankruptcy resorted in my account that does not belong to me. I want it removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 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: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
initially disclosed. Fact, affiant is aware, and has proof, Exhibit D, CREDIT ACCEPTANCE CORPORATION knowingly and willfully violated 15 U.S. Code 6802 ( b ) ( 1 ) ( C ) by not providing me with an explanation of how to exercise my nondisclosure option. Fact, affiant is aware, and has proof, Exhibit M, CREDIT ACCEPTANCE CORPORATION knowingly and willfully committed a crime by violating 18 U.S. Code 1001 ( a ) ( 2 ) by stating they can share information regarding my consumer credit transaction to consumer reporting agencies. Fact, affiant is aware, and has proof, Exhibit G and H, CREDIT ACCEPTANCE CORPORATION knowingly and willfully committed a crime by violating 18 U.S. Code 1001 ( a ) ( 3 ) by providing information to financial institutions such as XXXX, XXXX and XXXX that contains false, fictitious and fraudulent statements or representations. Fact, affiant is aware that, CREDIT ACCEPTANCE CORPORATION has at least 20 violations of title 15 U.S. Code 1692. Fact, pursuant to 15 U.S. Code 1692k ( a ) ( 2 ) ( A ) affiant 's additional damages are {$1000.00} USD for each false and misleading statement and {$1000.00} USD per word written in fraudulent/abusive language Fact, affiant is aware that CREDIT ACCEPTANCE CORPORATION has violated 20 different statutes under title containing over 120 fraudulent/abusive LANGUAGE & STATEMENTS 15 U.S. Code 1692 totaling the damages for all violations at {$120000.00}

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 explanation
Consumer complaint received 2024-08-11 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: NC

Complaint narrative:
On XX/XX/XXXX Equifax was sent by way of certified mail of inaccuracies reporting on credit file that do not lawful written consent per 15 USC 68202. Also proof of opt-out/privacy so Equifax, XXXX, XXXX, XXXX XXXX to not share, sell my information since XX/XX/XXXX. 

On XX/XX/XXXX XXXX was sent another Certified letter requesting full re-investigation of disputed accounts and inquires that are allowing companies/third parties to report improperly and unlawfully. Per FCRA 623 ( a ) ( 2 ) ( B ) ( 7 ) ( G ) ( i ). 

I have spoke with Equifax 2 agents on XX/XX/XXXX, needless to say they are adamant about not complying with correcting, updating or removing inaccurate consumer personal information and non consumer accounts. One agent was dismissive and arguementive. 

Not only has Equifax violated my consumer rights per the FCRA, FDCPA, FTC, Equifax has reported to file on behalf of their affiliates and add unauthorized information, verified debt with true original documentation validity of any/all debt belonging to XXXX XXXX XXXX 

This has caused great hardship, stress and suffering. Companies and Equifax are in violation of : FERPA of 1974, FCRA section 604 ( a ) ( 3 ), FCRA section 619 permissible, FTC 623 ( a ) ( 5 ) ,805, 806,809,15 U.S. Code 1681s2, 15 USC 6801-Opt out, 15 USC 6802 may not, 15USC 6802 financial institution may not directly or through affiliate, disclose to a nonaffiliate /3rd party any non public information. 15 USC 6803/6804, 16 CFR 433.32, 16 CFR 313.1, 15 USC 6801- ILLEGAL TO REPORT TRANSACTION HISTORY/UTIALZATION WITHOUT CONSUMER WRITTEN CONSENT., 15 USC 1692/ ( g ), 15 USC 1692 ( e ) ( k ) -civil liability damage 16 USC 1681 {$1000.00} per violation.15 USC 16911-authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-11 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: GA

Complaint narrative:
Send letter failure to correct. Incorrect balance and hard inquires

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 2024-08-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
ID theft has stolen my citi bank XXXX bought {$XXXX} stuff, paid money from my Citibank account

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 monetary relief
Consumer complaint received 2024-08-11 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Subject : Dispute of Inaccurate Credit Report Information Credit Report Account Number : XXXX Creditor : XXXX XXXX XXXX XXXX Dear CFPB I am writing to formally dispute the inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), which gives me the right to dispute information I believe to be inaccurate or incomplete. 

The account in question is from XXXX XXXX XXXX XXXX, a collections company, with which I have no contractual relationship. Specifically, the details are as follows : Account Number : XXXX Balance : {$XXXX} Date Opened : XX/XX/year> Payment Status : Seriously past due/ Assigned to attorney, collection agency, or credit XXXX 's internal collection department Last Reported : XX/XX/year> Dispute Basis : No Contractual Relationship : Under 15 U.S. Code 1692e of the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to report accurate information and must not use any false, deceptive, or misleading representations. I do not have any contractual agreement with XXXX XXXX XXXX XXXX, which invalidates the reporting of this debt on my credit report.

Inaccurate Reporting of Debt : The FCRA mandates that all information on a consumer 's credit report must be accurate and verifiable. Since there is no contract or agreement between myself and XXXX XXXX XXXX XXXX, the accuracy of this reported debt is in question. Additionally, the absence of payment history and the derogatory information reported without adequate evidence further v

iolates the FCRA. Potential Violation of Consumer Rights : The continued reporting of this account as derogatory, without proper verification and in the absence of a valid c ontract, may constitute a violation of my consumer rights under the FCRA. Additionally, the failure to provide complete information about the payment history and the terms of the alleged debt raises concerns about the legality of this reporting. Request for Resolution : I request that [ Credit Bureau Name ] conduct a thorough investigation into this matter. If you are unable to verify the accuracy and legality of this information, I demand that this collections account be removed from my credit report immediately. Please notify me of the outcome of your investigation within the 30-day period as required by the FCRA. If the in vestigation reveals that the information is inaccurate, I request that the account be removed from my credit report and that I be provided with an updated copy of my report. Thank you for your prompt attention to this matter. If further information or documentation is required, please do not hesitate to contact me. 

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 2024-08-11 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: WA

Complaint narrative:
The information reported under this account is factually incorrect. I recently pulled my credit reports and noticed you are reporting incorrect information ( high balance, last verified date, remarks and late payments ) for this account ( XXXX XXXX XXXX ). 

High Balance across the three credit bureaus are inconsistent Transunion {$430.00}, XXXX {$430.00} and XXXX shows {$300.00} Date opened shows inconsistencies Transunion XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX shows XX/XX/XXXX Creditor Type shows inconsistencies shows that says it's a Transunion- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  shows XXXX Banks Creditor remarks shows says Transunion- Cancelled by credit grantor/, XXXX XXXXAccount has been closed due to inactivity and XXXX shows Closed or paid account/XXXX  balance/account is closed by XXXX XXXX all show signs of inconsistencies Last payments show that Transunion and XXXX has a last payment day of XX/XX/XXXX while XXXX shows a last payment as of XX/XX/XXXX TransUnion XXXX Reports a late payment in XX/XX/XXXX ( 30 days late ), but all other months are marked as OK. 
XXXX : Also reports a late payment in XX/XX/XXXX ( 30 days late ), but all other months are marked as XXXX. 
XXXX : XXXX a late payment in XX/XX/XXXX ( 30 days late ), which is inconsistent with the records from TransUnion 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 2024-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally request the removal of an account that is inaccurately reported as being in collections on my credit report. The account in question, was paid in full on XX/XX/year>. Despite this, the account continues to be listed under the collections section of my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, credit reporting agencies are required to ensure that all information reported on a consumer 's credit report is accurate and up-to-date. Since this account has been paid in full, it should no longer be reported as a collection account. I have attached proof of payment for your review. 

I request that you immediately update my credit report to accurately reflect the paid status of this account and remove any mention of collections.

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 2024-08-11 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: DISCOVER BANK
State: CA

Complaint narrative:
XX/XX/year> I mailed certified letters to Discover, XXXX and XXXX proving I was not the account owner nor joint account owner via an affidavit from my father who is the actual account owner along with XXXX XXXX XXXX XXXX. I also demanded Discover to send me the joint application form to which they returned a form asking me for all my information! Total XXXX  if they thought I was sending them that information. In addition I have requested disputes with the credit reporting agencies and sent them all required documentation and they said Discover Bank said it was a joint account. So yes, XXXX and XXXX XXXX XXXX XXXX is a joint account NOT with my name XXXX XXXX XXXX. 
I have not missed a payment on my accounts in XXXX plus years and the reason I caught this was because my father quit paying and it pinged my credit score. 
Kindly remove this from my credit report and remove the XXXX XXXX plus liability because it has greatly reduced and harmed my personal credit! Please see attached records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-11 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:
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.

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief