vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-28 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:
This letter is my final communication regarding your claim that the information below has been " verified '' and that the information being reported by the furnishers is accurate. 
Account Name : XXXX  XXXX Account Number : XXXX  I have repeatedly asked for evidence to support your reporting, but you have failed to provide me a copy of valid and viable evidence provided by the above-named furnisher ( s ). Furthermore, I have requested your method of verification and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). In absence of any such documentation, I demand that this information be immediately removed from the credit file you maintain under my Social Security Number. Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for " negligent non-compliance ''. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damage under FCRA Sections 616 and 617.

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 2024-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I sent the company a Section 609 letter last month. I also disputed it with all the credit bureaus. XXXX XXXX XXXX XXXX is the company. I'm also disputing the XXXX of the profile. XXXX XXXX XXXX XXXX just recently reported 55 late payments on an account that is reported closed. The account was reported close in XX/XX/2020. XXXX XXXX XXXX XXXX has not shown proof that they are authorized to collect this debt. Verification of debt is within the statute of limitations. Immediately have them remove the late payments and negative items on my report. It is illegal to report this information without my consent. Contact all the credit bureaus that's reporting XXXX XXXX XXXX XXXX on my report.

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 2024-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I sent the company a Section 609 letter last month. I also disputed it with all the credit bureaus. XXXX XXXX XXXX XXXX is the company. I'm also disputing the XXXX of the profile. XXXX XXXX XXXX XXXX just recently reported XXXX late payments on an account that is reported closed. The account was reported close in XX/XX/year>. XXXX XXXX XXXX XXXX has not shown proof that they are authorized to collect this debt. Verification of debt is within the statute of limitations. Immediately have them remove the late payments and negative items on my report. It is illegal to report this information without my consent. Contact all the credit bureaus that's reporting XXXX XXXX XXXX XXXX on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-28 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: MI

Complaint narrative:
I sent the company a Section 609 letter last month. I also disputed it with all the credit bureaus. XXXX XXXX XXXX XXXX is the company. I'm also disputing the XXXX of the profile. XXXX XXXX XXXX XXXX just recently reported XXXX late payments on an account that is reported closed. The account was reported close in XX/XX/year>. XXXX XXXX XXXX XXXX has not shown proof that they are authorized to collect this debt. Verification of debt is within the statute of limitations. Immediately have them remove the late payments and negative items on my report. It is illegal to report this information without my consent. Contact all the credit bureaus that's reporting XXXX XXXX XXXX XXXX on my report.

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 2024-09-28 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: FL

Complaint narrative:
Upon reviewing my credit reports, I was surprised to discover that late payments were reported for an account in which I have never been late. As outlined by the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain the accuracy and integrity of the information they report. My payment history for the account XXXX, account number XXXX, has always been timely and without issues. 

I want to make it clear that I am not requesting the removal of the account. My request is that all of my payments be updated to reflect the on-time payments I have made. The solution I am seeking is to have my payment history corrected so that it accurately shows that all payments were made on time, without any late marks. These erroneous late marks are negatively affecting my personal credit, and it is essential that they be addressed promptly.

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 2024-09-28 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: FL

Complaint narrative:
Upon reviewing my credit reports, I was surprised to discover that late payments were reported for an account in which I have never been late. As outlined by the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain the accuracy and integrity of the information they report. My payment history for the account ( XXXX  XXXX ), account number ( XXXX ), has always been timely and without issues. 

I want to make it clear that I am not requesting the removal of the account. My request is that all of my payments be updated to reflect the on-time payments I have made. The solution I am seeking is to have my payment history corrected so that it accurately shows that all payments were made on time, without any late marks. These erroneous late marks are negatively affecting my personal credit, and it is essential that they be addressed promptly. 

Therefore, I am formally requesting an investigation into this matter and that documented proof, including payment records, be provided to support these reported late payments. If such proof can not be provided, I demand that these erroneous entries be corrected to reflect the accurate payment history. It is crucial that this matter be resolved promptly to restore the accuracy of my credit profile, as is my right under the FCRA. Thank you for your immediate attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: IL

Complaint narrative:
I am writing to formally dispute the following inaccurate information on my credit report. Please consider this letter as my official request under the Fair Credit Reporting Act ( FCRA ) for the removal of the inaccurate information listed below from my credit file. 

Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information they report. The information in my credit report is inaccurate and therefore must be corrected or removed to comply with the law. 

Additionally, under 15 U.S.C. 1681i ( a ), I am requesting a reinvestigation of this matter. I ask that you investigate and resolve this dispute within the XXXX time frame, as required by law. Please remove or correct this inaccurate information and send me an updated copy of my credit report once the investigation is complete. 

Enclosed are copies of supporting documents ( such as my identification, billing statements, or other proof ) to help verify my claim. Please let me know if you need any additional information from me to resolve this dispute. 

I appreciate your prompt attention to this matter. Please send a confirmation that you have received this dispute and the results of your investigation to the address listed above. 

Thank you for your time and attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Gurstel Law Firm, P.C.
State: AZ

Complaint narrative:
XXXX XXXX firm attempting to collect debt from XXXX years ago, I get letters all the time just got one saying notice to discharge and release garnishee. There is no garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 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: FL

Complaint narrative:
Upon reviewing my credit reports, I was surprised to discover that late payments were reported for an account in which I have never been late. As outlined by the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain the accuracy and integrity of the information they report. My payment history for the account XXXX, account number XXXX, has always been timely and without issues. 

I want to make it clear that I am not requesting the removal of the account. My request is that all of my payments be updated to reflect the on-time payments I have made. The solution I am seeking is to have my payment history corrected so that it accurately shows that all payments were made on time, without any late marks. These erroneous late marks are negatively affecting my personal credit, and it is essential that they be addressed promptly.

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 2024-09-28 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  VA XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Against Equifax for Identity Theft Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Equifax regarding the wrong name in their records. My legal names are XXXX XXXX. XXXX and XXXX XXXX XXXX ; however, Equifax has been using a name that I do not use on official documents. 

I have previously filed disputes with XXXX and XXXX, and I did not encounter any issues with either of these credit reporting agencies. Both have my name correctly listed as it appears on my driver 's license, which I will attach once again for your review. 

I believe that Equifax has violated my rights under identity theft laws. Identity theft occurs when someone uses personal or financial information without permission, and in this case, my name has been misrepresented in Equifax 's records. 

I am requesting your assistance in correcting this matter for the fifth time. I appreciate your attention to this serious issue and look forward to your prompt response. 

Thank you for your help. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 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: TN

Complaint narrative:
XXXX XXXX This CFPB has been filed to request pursuant to FCRA & 605B ( 15 U.S.C. & 1681 c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit Capital XXXX account opened XX/XX/XXXX, an XXXX XXXX XXXX XXXX account opened XX/XX/XXXX Self Financial Lead BA opened XX/XX/XXXX XXXX XXXX XXXX XXXX account opened XX/XX/XXXX XXXXXXXX XXXX XXXX  opened XX/XX/XXXX XXXX XXXX opened XXXX XXXX, XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent report. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud.

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 2024-09-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
On XXXX, I tried to log into my Venmo account on a brand-new phone that I had transferred my data to. When trying to log in, the app produced strange errors indicating a problem in the XXXX authentication client used by the app, with the text " XXXX XXXX : Login not allowed. ". I called customer support, who insisted that this was a " security measure '' rather than a bug in their authentication implementation. After much troubleshooting on the phone, it was determined that the username the app had auto-filled was incorrect. The troubleshooting session was frustrating because it felt like the representative was avoiding acknowledging the bug ( they did remark " how did you know this was a well-known issue? '' in a brief lapse in the script ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: UPGRADE, INC.
State: DC

Complaint narrative:
On XX/XX/year>, I received an unsolicited email from a company called XXXX XXXX XXXX XXXX ( operated by Upgrade , INC XXXX upgrade.com ), falsely claiming that I had inquired about loan options through XXXX of their third-party partners such as XXXX or Credit Karma XXXX I have never used these services or applied for any loan. Despite having no prior relationship with this company or their partners, they sent an email stating that I was looking for funds and that I should check my rate for a loan. 

This is a misuse of my personal information, and I believe it constitutes a breach of consumer protection and data privacy regulations. I am concerned about how my information was obtained and used without my consent, and I have not received a satisfactory explanation from the company. The accusations are false and misleading and questionable. I request that this matter be investigated, and appropriate action be taken against XXXX XXXX XXXX Upgrade , INC ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 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: MO

Complaint narrative:
On XX/XX/year>, I sent a notarized Direct 609 letter to all three credit bureaus to investigate the negative accounts on my credit report. In accordance with the FCRA, that they investigate and correct these inaccuracies within 30 days of receiving this letter. Additionally, I request that they provide me with a detailed response outlining the results of your investigation, including the steps taken to verify the accuracy of the information and any changes made to my credit report. 

On XX/XX/year>, I then sent a notarized & certified 30 Day Demand to Comply letter within the specified timeframe and they failed to provide. I have also put on notice and include filing complaints with the ( FTC ), XXXX, and the attorney general of Missouri, considering legal action to protect my rights. 

Negative accounts Account Name : XXXX XXXX  Is Account Number : XXXX Issue : unauthorized XXXX. Account XXXX : XXXX XXXX Account # : XXXX Issue : unauthorized XXXX. Account XXXX : XXXX XXXX Account # : XXXX Issue : unauthorized XXXX. Account XXXX : XXXX Account # XXXX Issue : unauthorized XXXX. Account Name : XXXX XXXX Account # XXXX Issue : unauthorized XXXX. Account XXXX : XXXX XXXX Account # XXXX Issue : unauthorized XXXX. Account XXXX : XXXX Account # XXXX Issue : unauthorized XXXX. Account XXXX : XXXX XXXX Account # XXXX Issue : unauthorized XXXX. Account Name : XXXX XXXX  Account # : XXXX Issue : unauthorized XXXXAccount Name : XXXX XXXX  Account # : XXXX Issue : unauthorized XXXX. Account Name : XXXX Account # : XXXX Issue : unauthorized To ensure compliance with federal law, I expect a prompt response and resolution to this matter. Please send all correspondence regarding this request to the address listed above or via email at XXXX Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 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: MO

Complaint narrative:
On XX/XX/year>, I sent a notarized Direct 609 letter to all XXXX  credit bureaus to investigate the negative accounts on my credit report. In accordance with the FCRA, that they investigate and correct these inaccuracies within 30 days of receiving this letter. Additionally, I request that they provide me with a detailed response outlining the results of your investigation, including the steps taken to verify the accuracy of the information and any changes made to my credit report. 

On XX/XX/year>, I then sent a notarized & certified 30 Day Demand to Comply letter within the specified timeframe and they failed to provide. I have also put on notice and include filing complaints with the ( FTC ), XXXX, and the attorney general of Missouri, considering legal action to protect my rights. 

Negative accounts Account Name : XXXX XXXX  Is Account Number : XXXX Issue : unauthorized XXXX. Account XXXX : XXXX XXXX Account # : XXXX Issue : unauthorized XXXX. Account XXXX : XXXX XXXX Account # : XXXX Issue : unauthorized XXXX. Account XXXX : XXXX Account # XXXX Issue : unauthorized XXXX. Account Name : XXXX XXXX Account # XXXX Issue : unauthorized XXXX. Account XXXX : XXXX XXXX Account # XXXX Issue : unauthorized XXXX. Account XXXX : XXXX Account # XXXX Issue : unauthorized XXXX. Account XXXX : XXXX XXXX Account # XXXX Issue : unauthorized XXXX. Account Name : XXXX XXXX  Account # : XXXX Issue : unauthorized XXXXAccount Name : XXXX XXXX  Account # : XXXX Issue : unauthorized XXXX. Account Name : XXXX Account # : XXXX Issue : unauthorized To ensure compliance with federal law, I expect a prompt response and resolution to this matter. Please send all correspondence regarding this request to the address listed above or via email at XXXX Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO 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 2024-09-28 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: NY

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX # XXXX, has violated my rights. 

I looked at my XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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