vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-16 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: CA

Complaint narrative:
Subject : Formal Dispute of Inaccurate Credit Reporting and Request for Documentation To Whom It May Concern, I am writing to dispute the accuracy of an account listed on my credit report under 15 USC 1681s-2, which mandates the reporting of accurate and verifiable information. 

The account in question is as follows : Account Name : [ XXXX XXXX XXXX XXXX XXXX XXXX ] Account Number : [ XXXX ] Date Listed : [ XXXX XXXX XXXX ] This account is inaccurately reporting a balance despite being charged off. Per XXXX XXXX XXXX XXXX XXXX, the issuance of a 1099-C form by a creditor constitutes an identifiable event of debt cancellation under IRS guidelines . Specifically, Event Code 7 defines a discharge of indebtedness as occurring due to a decision by the creditor to cease collection activity and cancel the debt.

If a 1099-C form has been issued for this account, it indicates the debt has been canceled, making the continued reporting of a balance both inaccurate and misleading. 
I formally request : 1. Provision of the 1099-C Form : If issued, provide a copy to verify the debt cancellation and identifiable event.

2. Verification of the Balance : Provide documentation showing the accuracy and collectibility of the reported balance. 

3. Deletion of the Account : If the debt has been discharged or can not be verified, this negative information must be removed from my credit report immediately. 

4. Issuance of the Vehicles Title ( XXXX XXXX ) : Since the account has been charged off, I request that the vehicles title ( XXXX XXXX ) be released to me, as the debt has been effectively discharged under the law. 

I expect your response within 30 days of receipt of this letter, as required under the Fair Credit Reporting Act. Failure to address these issues adequately will necessitate further action to protect my rights. 

Thank you for your immediate attention to this matter. I look forward to a prompt resolution. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 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: CA

Complaint narrative:
I am writing to formally dispute the inaccuracies and inconsistencies present in the reporting of the XXXX XXXX account ( # XXXX ) on my credit report. Upon careful review of my credit file, I have identified several Metro 2 compliance violations that require immediate rectification. 
Identified Metro 2 Noncompliance Violations : 1. Incomplete Data Reporting : XXXX XXXX has omitted critical data fields such as balance, account status, payment frequency, and other required information. These omissions are in direct violation of the Metro 2 format and 15 U.S.C. 1681e ( b ), which mandates accurate and complete reporting. 
2. Inconsistent Reporting Across Bureaus : o Equifax reports the account status as " Negative, '' while XXXX reports it as " Positive. '' XXXX has failed to provide any status. This inconsistency is a violation of the FCRA and Metro 2 standards for uniformity in credit reporting. 
3. Incorrect Account Status : o Equifax reports a balance of {$2200.00}, which is missing from XXXX. This discrepancy fails to reflect accurate information and violates 15 U.S.C.

1681e ( b ). 
4. Missing Payment Status : o XXXX has not provided any payment status, creating an incomplete and misleading representation of the account. 
5. Omission of " Date of Last Activity '' and " Date Reported '' : o XXXX has failed to include these crucial dates, violating Metro 2 guidelines and impacting the proper aging of the account for statute limitations. 
6. Non-Uniform Creditor Comments : o Equifax includes the comment " Credit card, Amount in H/C column is credit limit, '' which is absent in XXXX and XXXX. This lack of uniformity misrepresents the account details and violates Metro 2 standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
Someone submitted a fraudulent check into my account with my knowledge or permission. XXXX was made available instantly they withdrew {$500.00} I was unaware of all of this it happened XXXX I didnt find out until my account was in the negative. I went into the branch and explained I was a victim of identity theft they said they would investigate. They told me I would be responsible for paying it back which was absurd Im a victim Im positive the signature was not mine and it wasnt me at the ATM if I had done this which I never would because I value my banks I would have gone inside and withdrawn the whole $ XXXX this happened at 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 2024-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am writing to dispute the alleged debts associated with XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX, as I have no knowledge of these debts, nor do I have any contractual or business relationship with XXXX XXXX XXXX or any creditor related to these accounts. 
I previously contacted XXXX XXXX XXXX and requested validation and verification of these alleged debts. However, XXXX XXXX XXXX has failed to provide the requested information. Specifically, I requested the following : 1 Original Contract : A copy of the original contract, signed by all parties involved, which includes the terms and conditions of the agreement that created the alleged debt. This must also include any addendums or riders. 
2 Chain of Ownership : Proof of the chain of ownership for the alleged debts, including evidence of assignment for each change of ownership. This documentation must show an unbroken chain of ownership from the original creditor to the current alleged creditor. 
3 Accrued Fees and Interest : Documentation showing that any interest or fees added to the account are lawful and were agreed upon in the original contract. 
4 Notices Sent : Proof that XXXX XXXX XXXX sent the legally required notices to me before reporting this alleged debt to any consumer reporting agencies. This includes copies of the original notices and any tracking information for letters sent. As outlined in the FTC v. XXXX XXXX XXXX case, failure to provide proper notice constitutes a violation of consumer rights and may be considered " debt parking. '' In light of XXXX XXXX XXXX failure to comply with my request for validation and the lack of supporting documentation, I demand that these accounts be immediately removed completely from my credit profile and that no further reporting be made to any consumer reporting agency. 
Please consider this matter a formal dispute. I expect written confirmation that these accounts have been removed and that all necessary documentation has been provided in accordance with the Fair Debt Collection Practices Act. 
Sincerely, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 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: OH

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX. Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ). 

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. 

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer 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 non-monetary relief
Consumer complaint received 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NV

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.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any 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.

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 2024-11-16 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: GA

Complaint narrative:
I am writing to formally request that you block and delete the accounts and inquiries listed below from my credit report due to my being a victim of a data breach. Under the Fair Credit Reporting Act ( FCRA ), specifically pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to request this action for accounts resulting from fraudulent activity or unauthorized use of my information. 
Accounts to Block and Delete : XXXX. XXXX - Account XXXX : XXXX - Date Opened : XX/XX/XXXX - Balance : {$1200.00} XXXX. XXXX - Account XXXX : XXXX - Date Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX - Account XXXX : XXXX - Date Opened : XX/XX/XXXX - Balance : {$9500.00} XXXX. XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$2000.00} Inquiries to Block and Delete : 1. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX  - Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc.
State: CO

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Personal Information Also Known As : XXXX, XXXX, XXXX Also Known As : XXXX, XXXX, XXXX Also Known As : XXXX, XXXX, XXXX Also Known As : XXXX XXXX XXXX Former : XXXX XXXX XXXX XXXX Former : XXXX XXXX XXXX Former : XXXX XXXX XXXX XXXX Former : XXXX XXXX Current XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Previous XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Employers XXXX XXXX XXXX XXXX XXXX Employers XXXX XXXX XXXX Employers XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$16000.00} XXXX XXXX XXXX XX/XX/XXXX {$5100.00} XXXX XXXX XXXX XX/XX/XXXX {$23000.00} XXXX XXXX XXXX XX/XX/XXXX {$3200.00} XXXX XXXX XXXX XXXX XXXX  A XXXX XX/XX/XXXX {$2000.00} XXXX  XXXX XX/XX/XXXX {$2000.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXXXXXX XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XX/XX/XXXX {$1300.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$1100.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$1000.00} XXXX XXXX XX/XX/XXXX {$1000.00} XXXX  XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XX/XX/XXXX {$1800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I have made several disputes with all 3 credit bureaus asking for proof that I owe the debt. I have provided all 3 credit bureaus the documentation from gap insurance that confirms the vehicle was paid off due to vehicle being declared a total loss because of an accident on XX/XX/XXXX and that no balance remains however credit bureaus continue to complete my disputes without removing collection account from my report even though I sent proof debt was paid. The collection company has sent to credit bureaus wrong information stating the vehicle was not paid and that vehicle is in repossession status and the account has been charged off and sold to 3rd party debt collector. This is currently preventing me from obtaining a new loan for a vehicle that I desperately need for work. Because the credit bureaus are not honoring the proof I have provided that the debt has been paid off and the account should have never been place on my consumer report. I have also sent collection agency gap settlement letter proving debt is paid and still the collections agency has not removed account from collections. As of XX/XX/XXXX I have spent extra money to hire an attorney to help in this matter. In the meantime I am submitting this complaint against all 3 bureaus and XXXX XXXX XXXX for wrongly placing a collections account ( XXXX ) I the amount of {$15000.00} on my consumer report even after I made all parties aware consumer report is wrong and debt is paid and should not be in collections or on my report. Please help as my consumer rights for fair credit have been violated. Attached is the gap settlement letter I have provided to all parties. Also attaching letter my attorney sent collections agency

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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:
Subject : Formal Dispute Under 15 USC 1681i ( 5 ) Request for Investigation and Correction To Whom It May Concern, I am writing to formally dispute an inaccurate item on my credit report, as provided under my rights outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( 5 ). This section of the law requires credit reporting agencies to investigate disputed information and promptly update or delete items that can not be verified or are found to be inaccurate. 

The disputed item is as follows : Account Name : XXXX XXXX XXXX XXXX XXXX  ] Date Listed : [ XXXX. XXXX, 2021 Under 15 USC 1681i ( 5 ) ( A ), any item that can not be verified as accurate must be promptly deleted from my credit report. I request that you conduct a thorough investigation of this matter and provide me with the following : Verification of the Disputed Item : Evidence confirming the accuracy of the account information.

Correction or Deletion : If the item can not be verified, it must be corrected or deleted from my credit report as required by law.

Notification of Results : Written confirmation of the investigation results, including an updated copy of my credit report reflecting any changes made.

Please respond to this dispute within the legally mandated 30-day investigation period. Failure to comply may result in further action to enforce my rights under the FCRA. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

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 non-monetary relief
Consumer complaint received 2024-11-16 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: CA

Complaint narrative:
Subject : Formal Dispute Under 15 USC 1681i ( 5 ) Request for Investigation and Correction To Whom It May Concern, I am writing to formally dispute an inaccurate item on my credit report, as provided under my rights outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( 5 ). This section of the law requires credit reporting agencies to investigate disputed information and promptly update or delete items that can not be verified or are found to be inaccurate. 

The disputed item is as follows : Account Name : [ XXXX XXXX XXXX XXXX ] Date Listed : [ XXXX. XXXX, 2021 Under 15 USC 1681i ( 5 ) ( A ), any item that can not be verified as accurate must be promptly deleted from my credit report. I request that you conduct a thorough investigation of this matter and provide me with the following : Verification of the Disputed Item : Evidence confirming the accuracy of the account information.

Correction or Deletion : If the item can not be verified, it must be corrected or deleted from my credit report as required by law.

Notification of Results : Written confirmation of the investigation results, including an updated copy of my credit report reflecting any changes made.

Please respond to this dispute within the legally mandated 30-day investigation period. Failure to comply may result in further action to enforce my rights under the FCRA. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

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 2024-11-16 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: NY

Complaint narrative:
I disputed an account that TransUnion reported without a permissible purpose. TransUnion stated in writing on the CFPB platform that it can not verify this account, yet it continues to report it. Please read the following documents carefully.

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 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I submitted a complaint more than 30 days ago and I havent received any information from either credit reporting bureau or agency. I submitted the complaints on XX/XX/2024. 

The complaints were made with the CFPB. The complaint numbers are : XXXX XXXX XXXX The negative accounts in the complaints should be deleted immediately.

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 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
TRANSUNION AND XXXX are reporting information that I did not authorize them to on my consumer report Please remove these items in 4 business days

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 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

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.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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.

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