vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-02 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: IN

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY.

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system.

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the 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 2024-12-02 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 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 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 2024-12-02 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 also noticed that you reported this debt on my credit report as a charge-off with a balance. This reporting is accurate, and here is the reason why : if you sent me a XXXX, this means that you charged off this debt, and took a tax right off. You basically cancelled the debt. You also filed a claim with your insurance company to offset the alleged loss. Because of these two actions, the liability no longer exists, and you can no longer report this charge-off to the credit bureaus. If you continue to report, you will be in violation of the FCBA and FCRA. I will do whatever it takes to protect the rights afforded to me by the FCRA. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 2024-12-02 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: GA

Complaint narrative:
I also noticed that you reported this debt on my credit report as a charge-off with a balance. This reporting is accurate, and here is the reason why : if you sent me a 1099, this means that you charged off this debt, and took a tax right off. You basically cancelled the debt. You also filed a claim with your insurance company to offset the alleged loss. Because of these two actions, the liability no longer exists, and you can no longer report this charge-off to the credit bureaus. If you continue to report, you will be in violation of the FCBA and FCRA. I will do whatever it takes to protect the rights afforded to me by the FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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:
Dispute of Fraudulent Closed Accounts Resulting from Identity Theft To Whom it May Concern, I am writing to formally dispute several closed accounts on my credit report that are a result of identity theft. These accounts, listed below, were opened fraudulently and have already been removed from active reporting and collections. However, they remain listed as closed accounts, which is inaccurate and negatively impacts my credit report. 

Listed Below are the Fraudulent AccountsThat are Still Being shown in the Closed Accounts section of my Credit Report : ( XXXX  XXXX ) with account number # XXXX with a balance of {$2700.00} ( XXXX XXXX XXXX  ) with account number # XXXX with a balance of {$2500.00} ( XXXX XXXX XXXX  ) with account number # XXXX with a balance of {$2500.00} XXXX XXXX XXXX ) with account number # XXXX with a balance of {$2100.00} ( XXXX XXXX XXXX XXXX  ) with account number # XXXX with a balance of {$1500.00} ( XXXX XXXX XXXX XXXXXXXX ) account number # XXXX with a balance of {$370.00} ( XXXX  XXXX ) account number # XXXX with a balance of {$310.00} ( XXXX  XXXX ) account number # XXXX with a balance of {$840.00} Under the Fair Credit Reporting Act ( FCRA ), Section 605B ( 15 U.S.C. 1681c-2 ), I request that these fraudulent accounts be removed entirely from my credit report, including any reference to closed accounts.

I have provided the following documentation : A copy of my identity theft report ( attached ).

Proof of resolution confirming these accounts were fraudulent ( attached ).

Please investigate this matter and provide written confirmation that these accounts have been removed from my credit report. 
Thank you for your prompt attention to this matter. I look forward to your response within the legally mandated 30-day period. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Delaware 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 2024-12-02 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:
XXXX XXXX XXXX appeared on my credit report as a hard inquiry on XX/XX/year> without my consent or desire to apply for new 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 explanation
Consumer complaint received 2024-12-02 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: CA

Complaint narrative:
I am disputing a collection on my credit report. I can not determine if the collection rightly belongs to me or what the original date of the first delinquency is because the account has been sold to a third-party collection agency, which has reported its own open date. I have the right to know this account 's original XXXX  date.

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 2024-12-02 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: CA

Complaint narrative:
I am disputing a collection on my credit report. I can not determine if the collection rightly belongs to me or what the original date of the first delinquency is because the account has been sold to a third-party collection agency, which has reported its own open date. I have the right to know this account 's original XXXX  date.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: TX

Complaint narrative:
According to FCRA Sections 605B, 615 ( f ), and 623 ( a ) ( 6 ), this account should not be ther. Please check this information again and fix it, following 15 USC 1681c-2 inaccurate information must be deleted. " I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I previously submitted disputes to XXXX, Equifax, and XXXX regarding inaccurate information reported on my credit file. In these disputes, I identified specific accounts and detailed the violations of my consumer rights. Despite this, over 30 days have passed without a proper response or resolution from your end.

Under the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( b ), it is required that disputed accounts be marked as such, which has not been done. Furthermore, the FCRA 605 ( c ) has been violated as the date of last activity on this account is inaccurately reportedit should reflect the actual last payment date.

Additionally, this account remains unvalidated despite my requests, which constitutes a violation of the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ) per the FTCs opinion. Copies of all previous correspondence regarding this matter are attached for your reference. 

I demand immediate action to rectify these inaccuracies and violations. Kindly provide me with a corrected credit report reflecting the resolution of this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: NC

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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. ''

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 2024-12-02 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: MI

Complaint narrative:
My account with EQUIFAX was never late! I have had exceptional payment history 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 to be 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. EQUIFAX 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 goo
d faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo used the Principal 's SSN illegally and created accounts without giving valuable consideration. They've failed to do their fiduciary duties. I sent a POA to the CFO in XXXX XXXX and an instruction letter on behalf of the Principal ( XXXX XXXX ) and no reply was received. I have revoked any POA that may have been given Wells Fargo, please see attached IRS form XXXX. I was ignored, treated like a minor even after I assured Wells Fargo that the Principal was not a minor and that I have the capacity to contract for the Principal ( XXXX XXXX ) I informed Wells Fargo that I was claiming all rights, interest and equity to the securities that were created using the Principal 's Social Security Number. I am willing to give Wells Fargo 20 % interest. I am only asking that Wells Fargo extend the Principal 's own credit. The bank 's fiduciary duty is to borrow and to pay interest. The IRS, SEC, CFPB are all available to those seeking remedy from banks.

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 2024-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX XXXX XXXX XXXXXXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2024-12-02 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:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681. 

ACCOUNT NAME : XXXX XXXX XXXX ( also known as XXXX XXXX XXXXXXXX XXXX XXXX ) ACCOUNT NAME : XXXX XXXX XXXX ( also known as XXXX XXXX XXXXXXXX XXXX XXXX ) ACCOUNT NAME : XXXX XXXX XXXX ( also known as XXXX XXXX XXXX ). 

ACCOUNT NAME : XXXXXXXX XXXX XXXXXXXX. This company is showing up on my report as a paid collection. I've never paid this company or have a contract with them. I worked directly with the original creditor, XXXX XXXX, to re-establish my account directly with them and still have a membership with them today. 

ACCOUNT NAME : XXXXXXXX XXXX XXXXXXXX, I've never given them consent to report on my credit. 

ACCOUNT NAME : XXXX XXXX, Has reported late payments that continues to harm my credit although the debt was paid in full years ago. I did not consent to the credit bureau to report this information on my credit report. 

These companies have all violated my rights. 1 5 U.S.C. 1681 SECTION 602 A, STATES I HAVE THE RIGHT TO PRIVACY.

1 5 U.S.C. 1681 SECTION 604 A SECTION 2, STATES A C ONSUMER REPORTING AGENCY CAN NOT FURNISH AN A CCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

1 5 U.S.C. 1681C. ( A ) ( 5 ) SECTION STATES : NO CONSUMER R EPORTING AGENCY MAY MAKE ANY CONSUMER REPORT C ONTAINING ANY OF THE FOLLOWING ITEMS OF I N FORMATION : ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS AND CRIMES WHICH ANTEDATES THE REPORT BY 7 YEARS.

1 5 U.S.C. 1681S-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY I N FORMATION RELATING TO A CONSUMER TO ANY CONSUMER R EPORTING AGENCY IF THE PERSON KNOWS OR HAS R EASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS I N ACCURATE

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 2024-12-02 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:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER XXXX XXXX 1681. 

ACCOUNT NAME : XXXX XXXX XXXX ( also known as XXXX XXXX XXXX XXXX XXXX ) ACCOUNT NAME : XXXX XXXX XXXX ( also known as XXXX XXXX XXXXXXXX XXXX XXXX ) ACCOUNT NAME : XXXX XXXX XXXX ( also known as XXXX XXXX XXXX ). 

ACCOUNT NAME : XXXXXXXX XXXX XXXXXXXX. This company is showing up on my report as a paid collection. I've never paid this company or have a contract with them. I worked directly with the original creditor, XXXX XXXX, to re-establish my account directly with them and still have a membership with them today. 

ACCOUNT NAME : XXXXXXXX XXXX XXXXXXXX, I've never given them consent to report on my credit. 

ACCOUNT NAME : XXXX XXXX, Has reported late payments that continues to harm my credit although the debt was paid in full years ago. I did not consent to the credit bureau to report this information on my credit report. 

These companies have all violated my rights. 1 5 U.S.C. 1681 SECTION 602 A, STATES I HAVE THE RIGHT TO PRIVACY.

1 5 U.S.C. 1681 SECTION 604 A SECTION 2, STATES A C ONSUMER REPORTING AGENCY CAN NOT FURNISH AN A CCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

1 5 U.S.C. 1681C. ( A ) ( 5 ) SECTION STATES : NO CONSUMER R EPORTING AGENCY MAY MAKE ANY CONSUMER REPORT C ONTAINING ANY OF THE FOLLOWING ITEMS OF I N FORMATION : ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS AND CRIMES WHICH ANTEDATES THE REPORT BY 7 YEARS.

1 5 U.S.C. 1681S-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY I N FORMATION RELATING TO A CONSUMER TO ANY CONSUMER R EPORTING AGENCY IF THE PERSON KNOWS OR HAS R EASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS I N ACCURATE

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