vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-10 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: MD

Complaint narrative:
On XX/XX/XXXX i contacted experian to inform them of the fraudulent items on my credit report im homeless because of those fraudlent items not being able to rent nor buy a home for me and my kids. 

Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Experian, I am writing to formally dispute the accuracy of certain information currently being reported on my credit report. I have identified multiple fraudulent accounts that were opened without my knowledge or authorization. In accordance with my rights under federal law, I am demanding the immediate removal of these accounts from my credit file. 

The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Pursuant to Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), I am requesting that you provide me with a copy of my complete credit report, including all information that pertains to these accounts. Additionally, under 12 CFR 1006.34 ( b ) ( 5 ), I am demanding verification and documentation for these accounts to confirm their legitimacy. 

If these fraudulent accounts are not removed from my credit report immediately, I will pursue legal action against Experian. I will seek {$1000.00} in damages for each fraudulent account that remains, as well as {$10000.00} for pain and suffering due to the severe impact these inaccuracies have had on my ability to rent or buy a home for myself and my children. 

This matter requires your urgent attention, and I expect a prompt response. Failure to comply will result in legal action without further notice. 

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 explanation
Consumer complaint received 2024-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: DE

Complaint narrative:
On XX/XX/XXXX, I received a letter stating to pay a collection from XXXX XXXXXXXX to collect on a dept. Which XXXX XXXX has sold my information to another company name Radius Global Solutions this is company number two? That they will not speak to me just keep selling my information first company was diversified something? How can they keep doing this I need them to stop selling my information and send me all documents that I sign from XXXX XXXXXXXX within 30 days. 

Also according to 15 usc 1692c / 15 usc 1692 et seq Something needs to happen about them selling my information

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 2024-07-10 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: IL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2024-07-10 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: GA

Complaint narrative:
I am writing this complaint due to multiple inquiries that are on my credit report. These inquiries have been deemed as fraudulent and hindering my credit worthiness. I am unaware of why these inquiries are on my credit report. As a consumer, I am aware of my rights. I have attempted to resolve these issues directly with the CRAs but have been unsuccessful in obtaining a resolution. I did not give XXXX nor Transunion my consent to disclose my personal public information. Because of this, it is a violation of the law. This inquiry is deemed as fraud and should be treated as such. I have no knowledge of these inquiries and request that they be deleted. 

Inquiries from : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX of 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 2024-07-10 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: FL

Complaint narrative:
My account with XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXXXXXX and 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 reported to be removed. 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 21 days before the payment due date. XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 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! Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Opportunity Financial, LLC
State: OH

Complaint narrative:
OPP LOANS/ XXXX  {$1600.00} XX/XX/year> Request for Debt Validation Pursuant to IS USC 1692g They were advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act ( FCRA ) ( 15 USC 1692g ) stating your claim is disputed and validation is requested. credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please review the attached docs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 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: LEXISNEXIS
State: WI

Complaint narrative:
There is a BANKRUPTCY reporting on my credit report, These BANKRUPTCY is not mine and is result of FRAUD/ERROR. Please REMOVE it from my credit report IMMEDIATELY! because it is hurting my credit score so much. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 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: LA

Complaint narrative:
TransUnion has updated my mortgage history ( thank you ) but failed to return my credit score to its former XXXX. 
TransUnion your agency " views '' my credit each month ( credit report soft pulls ) thus " we '' are both aware that I ( consumer ) am " financially stable '' to pay off my high debt ( mortgage ) in advance. My XXXX ratio is 2.04 % ( {$81000.00} gross income ) TransUnion your agency " views '' my high credit monthly credit card payoffs $ XXXX histories ) thus my credit utilization is 0 %. 
TransUnion, your agency and I ( consumer ) are " both '' aware that if I ( consumer ) pay off my mortgage and remove my credit card, my credit score would fall into chaos despite my XXXX plus years of positive credit history. I adjure TransUnion to please return my credit score to its original XXXX. XXXX is " not '' an acceptable score from XXXX!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 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: NC

Complaint narrative:
On today, XX/XX/XXXX, I received the notification from Equifax credit report stating that XXXX reported My Account status XXXX within XXXX days. 

I called XXXX XXXX customer service department and spoke to representative XXXX on XX/XX/year> at XXXX XXXX and confirmed the The last reporting status was on XX/XX/XXXX showing the balance of {$15.00} and that they did not send Equifax an additional notification for XXXX. The representative confirmed that they ONLY report to Credit REPORTS once a month based on the customer bill cycle. 
I confirmed that my billing cycle is the XXXX of each month. Therefore another credit reporting should not report until XX/XX/XXXX!! The representative stated that this appears to be an error with Equifax however Equifax receives information from the creditor. 

There seems to be an error on both sides and it needs to be corrected immediately. My credit card balance should not be getting reported XXXX  within a XXXX  day timeframe. I checked my other credit reports and it is showing correctly. 

My Equifax credit report should reflect my billing statement! 

Please view attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently called a credit professional and transunion and was told that there were 4 hard credit checks on my credit report I do not recall and also a medical debt for {$470.00} dollars that I never accepted or was aware of I have medical insurance and dont understand why Im being charged for something I never used.

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 2024-07-10 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Collection account XXXX with procollect. 
We closed the lease with XXXX XXXX XXXX  during XX/XX/XXXX, They sent a final bill will incorrect charges on XX/XX/XXXX, I have requested clarification of wrong charges on XX/XX/XXXX ( email attached ). instead of clarifying they have forwarded it to procollect. I sent the same clarification request to procollect on XX/XX/XXXX and never received a response. I got fedup and paid in full on XXXX. 
Despite of these they have reported this as adverse remark to credit beauru which is totally unfair without providing any explanation. It is still reflecting in my credit report. 
involved parties are, XXXX XXXX XXXX XXXX XXXX, email : XXXX, Ph : XXXX procollect : ph XXXX XXXX XXXX, 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 2024-07-10 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: TX

Complaint narrative:
I found a number of mistakes on my credit report, and I contacted TransUnion in order to resolve these issues. They have down right failed to comply with FTC Regulations and refuse to fix these issues, this is a clear violation of my consumer 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 non-monetary relief
Consumer complaint received 2024-07-10 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: NJ

Complaint narrative:
ON XXXX XXXX took a look at my credit report and saw some accounts that had no consent to open the line of credit. Sent documents to Equifax, XXXX, XXXX. Never received any mail or any updates from EQUIFAX CREDIT BUEARU. XXXX, XXXX XXXX. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAVALRY INVESTMENTS, LLC
State: GA

Complaint narrative:
Failed to provide proof of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 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: TN

Complaint narrative:
EXPERIAN KEEPS LISTING CO ON MY CREDIT REPORT. A CHARGE-OFF IS A MAJOR DELINQUENCY. A CLOSED ACCOUNT PAYMENT STATUS CAN NOT REMAIN IN LATE STATUS. THATS EQUIVALENT TO REPORTING AS 'CLOSED/60 DAYS LATE'.IF ITS CLOSED, THEN THE PAYMENT STATUS CAN NOT BE 60 DAYS LATE OR ANY OTHER FORM OF DELINQUENCY. NO PAYMENTS ARE DUE ON A CLOSED ACCOUNT.

THE ACCOUNT IS THE ONLY INFORMATION THAT SHOULD BE REPORTING AS A CHARGE- OFF NOT THE PAYMENT STATUS WHICH IS A SEPARATE FIELD ON THE CREDIT REPORT.

Experian glossary of account conditions and payment status does not list anything in the payment status for CO month after month the account must cls out.

The payment status is inaccurate the account can not remain in charge-off status month after month, the account can only charge-off one time in the payment status then the account must report cls in the payment status on a closed account by the grantor.

The account was closed by the grantor and should not have any current updates in the payment status the account has been closed since XX/XX/2019 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 2024-07-10 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and 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 reported to be removed/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 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 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!

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 2024-07-11 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: NM

Complaint narrative:
Called the company multiple times, was told on three different occasions that they could not find a record of me in their system. Emailed on XX/XX/XXXX, trying to get an account number, and was never responded to. Finally on XX/XX/XXXX, someone from national credit systems was able to find my account, but told me that the account was already sent to an attorney 's office to file a lawsuit. Upon calling the attorney 's office, they were not able to tell me what the debt was for, or why I owed the amount that I did, and requested that I pay it in full. I have still never been told where the debt came from. I did live in that apartment complex for a very short time, however, when i left in XXXX they told me that nothing was owed because they were keeping my damage deposit, as well as my last month 's rent. I only lived there for 30 days. An entire year later, after not receiving a single notification from anybody, I attempted to apply for a loan and was told I had a collections account on my credit report. I was never notified of the debt, and i was never able to get into contact with the collection agency until recently, when they told me that they were filing a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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 explanation
Consumer complaint received 2024-07-10 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: MO

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report.Please Remove these accounts from my report They are hurting my ability to obtain credit

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