vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX  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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, 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 explanation
Consumer complaint received 2024-09-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: GA

Complaint narrative:
A debt in my collections from XXXX was removed and added as new. It was illegally aged and my disputes changed nothing. The company had to opportunity to correct any errors.

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 2024-09-23 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: SC

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002. 142 ( b ) ( 4 ) 5-1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all linked accounts to be blocked and deleted company information Transunion. Please delete the following accounts XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-09-24 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: TX

Complaint narrative:
I am filing this complaint to report multiple inaccuracies on my XXXX credit report, dated XX/XX/year>. These errors are not only misleading but have also caused significant damage to my financial reputation and creditworthiness. Despite being protected under the Fair Credit Reporting Act ( FCRA ), my efforts to have these inaccuracies corrected have not been addressed by XXXX. 

The specific inaccuracies I am disputing include : XXXX. XXXX XXXX Account XXXX : XXXX XXXX reported charge-off of {$23000.00} is inaccurate. This account does not reflect my financial activity, and its presence on my credit report is unjustified. According to FCRA 1681e ( b ), which requires credit reporting agencies to maintain accurate information, this erroneous report must be corrected immediately to avoid further damage to my creditworthiness. 
XXXX. XXXX XXXX XXXX Account Number : XXXX The balance reported for this collection account is incorrect and invalid. This debt has not been properly verified, and its inclusion violates the FCRA and the Texas Debt Collection Act. I demand its immediate removal as it continues to damage my credit report unjustly. 
XXXX. XXXX XXXX XXXX Account Number : XXXX This debt does not belong to me, yet it remains on my credit report. As per XXXX v. Equifax Information Services, XXXX, credit bureaus have a responsibility to independently verify disputed information. Since this debt has not been verified, I request its immediate removal from my credit report. 
XXXX. XXXX XXXX Account XXXX : XXXX This is a duplicate entry on my credit report, which is both misleading and incorrect. The continued reporting of this duplicate information violates the FCRA, as established in XXXX XXXX XXXX XXXX XXXX XXXX. This erroneous entry must be deleted to reflect my true credit history. 
XXXX. XXXX XXXX Account Number XXXX XXXX The reporting of this foreclosure is misleading and inaccurate. It does not accurately represent my financial history, and XXXX has not conducted a reasonable investigation as required by XXXX v. XXXX XXXX XXXX, XXXX. This incorrect and harmful information must be removed immediately. 

These inaccuracies have caused considerable harm to my financial standing and have impeded my ability to secure credit and housing. I have attempted to resolve these issues with XXXX, but my disputes have been ignored or improperly handled. I request that the Consumer Financial Protection Bureau ( CFPB ) intervene to ensure my rights under the FCRA and other consumer protection laws are upheld. 

Thank you for your attention to this matter. I hope the CFPB can assist in resolving these issues promptly and ensuring that my rights as a consumer are protected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-24 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: TX

Complaint narrative:
I am filing this complaint to report multiple inaccuracies on my XXXX credit report, dated XX/XX/2024. These errors are not only misleading but have also caused significant damage to my financial reputation and creditworthiness. Despite being protected under the Fair Credit Reporting Act ( FCRA ), my efforts to have these inaccuracies corrected have not been addressed by XXXX. 

The specific inaccuracies I am disputing include : XXXX. XXXX XXXX Account XXXX : XXXX XXXX reported charge-off of {$23000.00} is inaccurate. This account does not reflect my financial activity, and its presence on my credit report is unjustified. According to FCRA XXXX ( b ), which requires credit reporting agencies to maintain accurate information, this erroneous report must be corrected immediately to avoid further damage to my creditworthiness. 
XXXX. XXXX XXXX XXXX Account Number : XXXX The balance reported for this collection account is incorrect and invalid. This debt has not been properly verified, and its inclusion violates the FCRA and the Texas Debt Collection Act. I demand its immediate removal as it continues to damage my credit report unjustly. 
XXXX. XXXX XXXX XXXX Account Number : XXXX This debt does not belong to me, yet it remains on my credit report. As per XXXX v. XXXX XXXX XXXX, XXXX, credit bureaus have a responsibility to independently verify disputed information. Since this debt has not been verified, I request its immediate removal from my credit report. 
XXXX. XXXX XXXX Account Number : XXXX This is a duplicate entry on my credit report, which is both misleading and incorrect. The continued reporting of this duplicate information violates the FCRA, as established in XXXX XXXX XXXX XXXX XXXX XXXX. This erroneous entry must be deleted to reflect my true credit history. 
XXXX. XXXX XXXX Account XXXX XXXX XXXX The reporting of this foreclosure is misleading and inaccurate. It does not accurately represent my financial history, and XXXX has not conducted a reasonable investigation as required by XXXX v. XXXX XXXX XXXX, XXXX. This incorrect and harmful information must be removed immediately. 

These inaccuracies have caused considerable harm to my financial standing and have impeded my ability to secure credit and housing. I have attempted to resolve these issues with XXXX, but my disputes have been ignored or improperly handled. I request that the Consumer Financial Protection Bureau ( CFPB ) intervene to ensure my rights under the FCRA and other consumer protection laws are upheld. 

Thank you for your attention to this matter. I hope the CFPB can assist in resolving these issues promptly and ensuring that my rights as a consumer are protected.

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 2024-09-23 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: TX

Complaint narrative:
I am submitting this complaint to report inaccurate and fraudulent information appearing on my credit report as a result of being a victim of identity theft and human trafficking. Despite my attempts to rectify these inaccuracies, the reporting agency has failed to address and remove the fraudulent accounts and unauthorized inquiries. 

On XX/XX/XXXX, I submitted a formal dispute letter to TransUnion, outlining the fraudulent accounts that were opened in my name without my consent. These include : 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  In addition to these accounts, there were several unauthorized credit inquiries made without my consent, which I requested to be removed. These inquiries include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite providing evidence and documentation to support my claims, TransUnion has not taken the appropriate action to block or remove these accounts from my credit report as required under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ). This law mandates that adverse information resulting from identity theft and human trafficking must be blocked once it has been documented. 

I am seeking immediate assistance from the CFPB to ensure that my rights under the FCRA and other consumer protection laws are upheld. I request that these fraudulent accounts and unauthorized inquiries be permanently removed from my credit report, and I be provided with a corrected credit report reflecting these changes. Furthermore, I would like TransUnion to provide a written response detailing the steps they have taken to investigate and resolve this matter. 

Thank you for your attention to this complaint. I look forward to your assistance in resolving 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 2024-09-23 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: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To Whom It May Concern : 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

I demand a deletion of all personal identifiable information from my consumer credit report. Please delete all addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses. 

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section as well. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send/mail an updated credit report once the changes are complete to my contact information listed below. 

Thank You. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, CA 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 2024-09-23 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: U.S. BANCORP
State: TX

Complaint narrative:
I filed a complaint with US Bank ReliaCard for identity theft that I had between XX/XX/XXXX and XX/XX/XXXX. Then they froze my account and never paid me any more benefits schedule that was due for the next 6 months leaving a balance of {$3.00}, XXXX. 10 years Bank decided they were just going to start taking everybody 's benefit money and got in trouble over it and that had to be award XXXX XXXX dollar payback of all the money they took through ReliaCard services and government benefits. US Bank of my card is exhibiting the same problems and games that they played with us the first time around 4 years ago when they hired XXXX XXXX you can't even get XXXX XXXX on the phone you have to call US Bank ReliaCard and they tell you the same thing you file is real long claim form with all these things that they're going to reimburse you for repossession fee, eviction fees, post male fees, credit card bill fees, overdraft fees, and Bank fees, due to this negligence on their part. Then you filed this long claim form and do all this work on this phone it takes XXXX XXXX XXXX days gather the documentation send it to him and they don't respond for 4 months trying to do the way out the waiting period so you will not get any of this money ever they just sent me more documents I need to upload at the same documents that they already have does it sound right to you sounds like they're doing the same thing they did back in XXXX and XXXX they need to be reprimanded some severely to have their Bank charter taken. This is just wrong

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 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 non-monetary relief
Consumer complaint received 2024-09-23 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: PA

Complaint narrative:
I was completely shocked when I saw incorrect accounts on my credit report this morning, and I dont know how they showed up. I check my credit report regularly, and this time there were discrepancies that seemed to appear out of nowhere. I thought it could be a glitch and refreshed the browser, but the errors remained. Because of this issue, Im requesting that the documents Ive sent be carefully reviewed to ensure I dont have to worry about this happening again.

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 2024-09-23 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 non-monetary relief
Consumer complaint received 2024-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Collins Asset Group, LLC
State: GA

Complaint narrative:
i received a letter from the XXXX XXXX about im being sued for a debt that has been written off as a bad debt that was bought from XXXX XXXX XXXX to Collins Asset Group, i went to court on XXXX the person repersenting collings asset group had a paper and ask me to admit to the debt that was charged off as bad debt from XXXX XXXX. the Document she showed me was signed by someone else not by me, i explained to her that the amount was higher than the charged off amount also that was not my signature, i said no it was forged by someone i had a loan with XXXX XXXX and i had to sign a contract and fax it back to them with my signature before the release the fonds. so after i denied the signature she wen in the court room and ask for a continuance, i did explained to her that i didnt give anyone to release information to a XXXX party with my ss # she said they can do that and dont need my permission, after we walk out of the court room she thew the papers in the trash outside the elevator, i just sent collins asset a certified letter asking for the signed contract with my signature on the documents also ask if they cant provide my hand written signature trying to collect its forgery.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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 account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. 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 in 60 days 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. 

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 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 2024-09-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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