vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/XXXX Subject : Dispute of Inaccurate Late Payments Reported for Account # XXXX Dear CFPB, I am submitting this letter to dispute inaccurate late payments reported on my credit file maintained by Experian. The late payments listed for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX are incorrect and do not align with my actual payment history. 
Nature of the Complaint Inaccurate Reporting : The late payments listed are inaccurate. My account has consistently been in good standing, and payments were made on time as I am enrolled in autopay. 
Violation of the Fair Credit Reporting Act ( FCRA ) : These inaccuracies violate FCRA regulations ( 15 USC 1666 ( b ) ), which require accurate reporting of consumer credit information.

Potential Violation of Fair Debt Collection Practices Act ( FDCPA ) : Reporting false late payments could also breach FDCPA provisions protecting consumers from misrepresentation.

Truth in Lending Act ( TILA ) : The inaccuracies further violate TILA, which mandates accurate disclosure of credit information.

Under the FCRA, sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, credit reporting agencies must ensure the accuracy of consumer credit information. Noncompliance can result in civil liabilities under sections 15 U.S.C. 1681n and 1681o. 
Account Information Account Number : XXXX High Balance : {$27000.00} Last Verified : -- Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Account Status : Closed Payment Status : Late 30 Days ( XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX ) Requested Resolution I request that Experian conduct a thorough review of this matter and remove the inaccurate late payments from my credit report. Please update the entries to reflect my actual payment history of 100 % on-time payments.

Attachments Copy of my government-issued ID. 
Copy of my Social Security card. 
Proof of current address ( e.g., utility bill or bank statement ). 
Copy of my full credit report highlighting the disputed account and inaccurate late payments. 
I look forward to receiving confirmation of the resolution within 30 days of this letter. 
Thank you for your assistance. 
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 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/XXXX Subject : Dispute of Inaccurate Late Payments Reported for Account # XXXX Dear CFPB, I am submitting this letter to dispute inaccurate late payments reported on my credit file maintained by Experian. The late payments listed for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX are incorrect and do not align with my actual payment history. 
Nature of the Complaint Inaccurate Reporting : The late payments listed are inaccurate. My account has consistently been in good standing, and payments were made on time as I am enrolled in autopay. 
Violation of the Fair Credit Reporting Act ( FCRA ) : These inaccuracies violate FCRA regulations ( 15 USC 1666 ( b ) ), which require accurate reporting of consumer credit information.

Potential Violation of Fair Debt Collection Practices Act ( FDCPA ) : Reporting false late payments could also breach FDCPA provisions protecting consumers from misrepresentation.

Truth in Lending Act ( TILA ) : The inaccuracies further violate TILA, which mandates accurate disclosure of credit information.

Under the FCRA, sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, credit reporting agencies must ensure the accuracy of consumer credit information. Noncompliance can result in civil liabilities under sections 15 U.S.C. 1681n and 1681o. 
Account Information Account Number : XXXX High Balance : {$27000.00} Last Verified : -- Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Account Status : Closed Payment Status : Late 30 Days ( XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX ) Requested Resolution I request that Experian conduct a thorough review of this matter and remove the inaccurate late payments from my credit report. Please update the entries to reflect my actual payment history of 100 % on-time payments. 
Attachments Copy of my government-issued ID.

Copy of my Social Security card.

Proof of current address ( e.g., utility bill or bank statement ).

Copy of my full credit report highlighting the disputed account and inaccurate late payments.

I look forward to receiving confirmation of the resolution within 30 days of this letter.

Thank you for your assistance. 
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 2024-12-05 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: IL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I was affected by the XXXX XXXX and lost all source of income. Explained to all credit card agencies with balances and did not have any interest in my situation. Companies only wanted what was owed. Payment arrangements were not applicable since no income was available. I have not been employed after my last employment and debts were sold to collection agencies which have increased amount owed beyond reasonable payoff amount which was asked in writing or submitting to my email. Harassing calls started and continue to exist every day at different hours of the day and using other businesses to identify who they are.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MO

Complaint narrative:
I was with the company XXXX then I switched to XXXX XXXX offered to pay off the phones that I had. I just needed to turn them in to XXXX which I did then XXXX came back and stated that I still owe them for the phones, but XXXX told me that they paid XXXX for those phones that I had Then XXXX years later I get a bill stating that I owe XXXX {$4000.00} and they keep switching debt collectors selling the account to different ones and now theres a new one stating I owe {$4000.00}. I dont owe this amount. This account was back in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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: DE

Complaint narrative:
Equifax has no regard for FC. R. A law, this is why I'm reporting this 2. The CFP BA consumer lawyer, as well as the F. Tc, because I followed every guideline, stated in the law.

In equifax has refused follow procedures, which is required according to the law. If any consumer notifies a credit agency of being a victim of identity theft and that consumer supplies a f t c or police report, along with a detailed letter listing, the fraudulent accounts accompanied with an affidavit that is notarized as well as all documents that account or those accounts shall be deleted within XXXX business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: NY

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: DE

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of fraudulent accounts and unauthorized inquiries listed below from my credit report. As a victim of a data breach, my personal information has been used without my authorization to open or access these accounts. 
Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items removed from my credit file. 
Fraudulent Accounts to Block and Delete XXXX. XXXX - Account XXXX : XXXX - XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - Amount : {$0.00} XXXX. XXXX - Account Number : XXXX - XXXX : XX/XX/XXXX, XX/XX/XXXX- Amounts : {$670.00}, {$520.00} XXXX. XXXX XXXX - Account XXXX : XXXX - Dates : XX/XX/XXXX, XX/XX/XXXX- Amounts : {$520.00}, {$670.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$700.00} Fraudulent Inquiries to Remove XXXX. XXXX XXXX - Dates : XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX - XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX - Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX-XXXX  - Date : XX/XX/XXXX XXXX. XXXX - Date : XX/XX/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 2024-12-05 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: DE

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of fraudulent accounts and unauthorized inquiries listed below from my credit report. As a victim of a data breach, my personal information has been used without my authorization to open or access these accounts. 
Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items removed from my credit file. 
Fraudulent Accounts to Block and Delete XXXX. XXXX - Account XXXX : XXXX - XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - Amount : {$0.00} XXXX. XXXX - Account Number : XXXX - XXXX : XX/XX/XXXX, XX/XX/XXXX- Amounts : {$670.00}, {$520.00} XXXX. XXXX XXXX - Account Number : XXXX - XXXX : XX/XX/XXXX, XX/XX/XXXX- Amounts : {$520.00}, {$670.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$700.00} Fraudulent Inquiries to Remove XXXX. XXXX XXXX - XXXX : XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX - XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX - Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXXXXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX-XXXX - Date : XX/XX/XXXX XXXX. XXXX - Date : XX/XX/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 2024-12-05 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY
State: CO

Complaint narrative:
Someone tried to open a credit card at Target in store using my information on XX/XX/2024. I got an alert through my bank app that I had an inquiry for on my credit. 
Fortunately, after speaking with an agent, they marked the account as fraudulent and no funds were provided. I am still concerned since the thief has my information and tried to open multiple credit card accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "

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 2024-12-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the FCRA regarding your refusal to delete UNVERIFIED information from my consumer life. 
IN tent to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Sections 617 if the UNVERIFIED item listed below are note deleted immediately. 
A copy of this letter as well as the previous letters that I have sent you will be part of the file that will be submitted to the FTC and used as evidence of your negligence to perform the duties outlined by the FCRA. 
If you claim that these account is verified, who verified this account? You did not provide me with a copy or any documentation to serve as verification of this account. 
The law is very clear as t the Civil Liability and the remedy available to me ( section 616 an d617 ) if you fail to comply with the FCRA. I need you to comply with the law and provide me with the documentation used to verify this account, or delete it from my credit report. 
The account is XXXX XXXX XXXX  XXXX Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief. 
I expect you to delete this negative account and provided me with an updated report within 30 days in accordance to the FCRA.

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 2024-12-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-12-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Dear CFPB, I noticed an unauthorized hard inquiry on my credit card from XXXX on XX/XX/XXXX, reported by TransUnion. I attempted to contact the company, but technical issues prevented submission. Please assist in removing this unrecognized inquiry from my credit report under XXXX XXXX and restoring my credit points. Im also concerned as another unauthorized inquiry by XXXX XXXX is under review. Your help in addressing this matter would be greatly appreciated. Thank you.

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 2024-12-05 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: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation