vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-22 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: AL

Complaint narrative:
XX/XX/XXXX I noticed XXXX bankruptcies was reinserted back on my credit report with XXXX. I disputed it last year in XX/XX/XXXX and it was verified that XXXX XXXX which is their furnisher did not have any bankruptcies on my consumer report with them. XXXX deleted all XXXX off of my consumer report. They are in violation of the FCRA 15 U.S. Code 1681i Procedure in case of disputed accuracy, Duties of furnishers of information to Consumer Reporting Agencies. also 15 US 1681e Accuracy of Information.. Also Equifax has so many inaccuracies in reporting accounts number, date of opening accounts, dates of last activities and amounts and also inaccurate personal information ect. I am also uploading the copy of showing absent credit reports from XX/XX/XXXX thru XX/XX/XXXX. I am requesting {$1000.00} per inaccuracies from XXXX. Experian and XXXX is also reporting inaccurate information such as the dates reported, the amount, the date opened the status ect. All three Credit Bureaus are reporting inaccurate information on my consumer report. FCRA Law states that as a consumer we are to have an accurate consumer report with all three credit bureaus, with all of them stating the exact same thing reporting.

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 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-04-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I submitted a dispute to the credit bureaus challenging incorrect accounts on my credit reports. They not complete their investigation in 30 days and I have not received the results of their investigation. The incorrect accounts are still reporting on my credit report and nothing has been done to correct the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 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: TX

Complaint narrative:
I submitted a dispute to the credit bureaus challenging incorrect accounts on my credit reports. They not complete their investigation in 30 days and I have not received the results of their investigation. The incorrect accounts are still reporting on my credit report and nothing has been done to correct the 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 2024-04-22 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: TX

Complaint narrative:
I submitted a dispute to the credit bureaus challenging incorrect accounts on my credit reports. They not complete their investigation in 30 days and I have not received the results of their investigation. The incorrect accounts are still reporting on my credit report and nothing has been done to correct the 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 2024-04-22 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: NY

Complaint narrative:
I regret to inform you that I can not accept your decision to dismiss my identity theft claim as an error or misrepresentation of material fact. It is concerning that you have taken it upon yourself to determine what qualifies as a material fact, especially considering that you do not hold the authority of a judge. 

According to the guidelines outlined by the FTC, when an FTC identity theft report is filed with a law enforcement agency, it is imperative to comply with the law. 

XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I am willing to give you one final opportunity to process my request regarding my identity theft. Failure to do so will leave me with no choice but to seek legal recourse in the courtroom, where you will be held responsible for the damage inflicted upon my reputation, credit, and emotional well-being as a result of this issue. It is highly likely that the significance of the material facts will become abundantly clear, and you will be required to compensate me for your negligence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 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:
TransUnion They keep changing my credit score messing it up acting as if I owe a balance to my current card which is incorrect I have not ever been late in the five or six months that I've had that card not one payment has ever been late therefore I've never had a balance they just had cleared it up my credit went back to XXXX and I went and applied for something for the first time in about a year and I got rejected and all of a sudden my credit score was back down to like XXXX that is nuts and now they put the same XXXX balance thing that I have that from my current card which is untrue and incorrect and I do not know somebody's doing this on purpose messing with my credit I haven't done anything with my 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 2024-04-22 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:
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 XXXX # XXXX XXXX XXXX XXXX. 
Account name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Account name : XXXX - XXXX # XXXX XXXX XXXX XXXX. 
Account name : # XXXX XXXX # XXXX XXXX XXXX XXXX. 
Account name : # XXXX - XXXX XXXX XXXX XXXX XXXX XXXX 
has violated my rights. 

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 non-monetary relief
Consumer complaint received 2024-04-22 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: NY

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 XXXX # XXXX XXXX XXXX XXXX. 
Account name : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. 
Account name : XXXX - XXXX # XXXX XXXX XXXX XXXX. 
Account name : # XXXX XXXX # XXXX XXXX XXXX XXXX. 
Account name : # XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
has violated my rights. 

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 non-monetary relief
Consumer complaint received 2024-04-22 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: OH

Complaint narrative:
I am writing to address the persistent presence of fraudulent items on my credit report despite my repeated attempts to have them removed. This marks the multiple time I am reaching out regarding this issue, and I am deeply concerned about the impact it is having on my financial standing and credibility. 

Despite providing extensive documentation and evidence to support the removal of these fraudulent items, they continue to tarnish my credit history. This ongoing situation not only undermines my financial reputation but also poses a significant threat to my financial well-being. 

Furthermore, I request compensation for the inconvenience, stress, and potential financial harm caused by the presence of these fraudulent items on my credit report. They have adversely affected my ability to access credit, secure favorable loan terms, and pursue other financial opportunities essential for my financial stability. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-04-22 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: AZ

Complaint narrative:
I had an account with XXXX and it had gone to collection. I wanted to negotiate a settlement to get it paid and removed. After speaking with someone from XXXX, who identified themselves as representing XXXX, agreed on {$340.00}. On XX/XX/24, I paid the {$340.00} and received an e-mail stating that my account with XXXX is now taken care of and my credit report would be updated. However, my credit report just shows the payment of {$340.00} but still shows open with a remaining balance. I disputed it through XXXX and provided them a copy of the e-mail and they said they confirmed with XXXX that I still owe the balance and my credit will not be updated. 

I admit I have credit challenges. My husband was XXXX XXXX XXXX XXXX XXXX and I had a XXXX XXXX which has made it diffdcult for me to manage the debts but I am trying and there is always someone waiting to XXXX you. It would be nice if someone worked for the consumer. I hope you will

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Total Auto Finance
State: DC

Complaint narrative:
The vehicle in question was purchased on or about XX/XX/XXXX financed by TOTAL AUTO FINANCE, repossessed in the state of XXXX DC XX/XX/XXXX and sold by the same creditor TOTAL AUTO FINANCE on or about XX/XX/XXXX. The dealer and or creditor also Filed for bankruptcy by the end of XXXX on or about XX/XX/XXXX. I have not been contacted since the property was sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 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: UT

Complaint narrative:
On XX/XX/year>, I formally notified this agency via certified mail of my status as a victim of identity theft. Despite this notification, as of today, XX/XX/year>, the agency persists in reporting information stemming from the identity theft incident. 

As per Section 605B, Block of Information Resulting From Identity Theft, consumer reporting agencies are mandated to inform furnishers of information, including financial institutions, that such information may be linked to identity theft and that an identity theft report has been filed. In compliance with this requirement, I provided FTC report numbers XXXX, along with a requested block. 

Under Section 623 ( a ) ( 6 ), furnishers are obligated to block the reporting of any information in a consumer 's file identified as resulting from identity theft within four business days upon receipt of : appropriate proof of the consumer 's identity ; a copy of an identity theft report ; identification of the disputed information by the consumer ; and a statement from the consumer affirming that the information is unrelated to any transaction they initiated.

All four requisites have been fulfilled by me and will be enclosed with this complaint. However, the agency has failed to comply with the FCRA 15 U.S. Code 1681c2, which mandates the blocking of reported information within the stipulated four business days upon receipt by the agency. This failure constitutes a violation of the law and renders the agency civilly liable for willful noncompliance under 15 U.S. Code 1681n, subject to any actual damages I have sustained as a result of this negligence

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 2024-04-22 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: OH

Complaint narrative:
I am writing to address the persistent presence of fraudulent items on my credit report despite my repeated attempts to have them removed. This marks the multiple time I am reaching out regarding this issue, and I am deeply concerned about the impact it is having on my financial standing and credibility. 

Despite providing extensive documentation and evidence to support the removal of these fraudulent items, they continue to tarnish my credit history. This ongoing situation not only undermines my financial reputation but also poses a significant threat to my financial well-being. 

Furthermore, I request compensation for the inconvenience, stress, and potential financial harm caused by the presence of these fraudulent items on my credit report. They have adversely affected my ability to access credit, secure favorable loan terms, and pursue other financial opportunities essential for my financial stability. With this, I am asking for your assistance to remove these fraud items in my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Maury Cobb, Attorney at Law, LLC
State: TX

Complaint narrative:
Maury Cobb Attoney at Law LLC contacted me though mail stating that I paid or was credited XXXX XXXX XXXX {$6100.00} towards a debt I was not aware of and that I now owe {$120.00} as a final payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 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: NY

Complaint narrative:
I regret to inform you that I can not accept your decision to dismiss my identity theft claim as an error or misrepresentation of material fact. It is concerning that you have taken it upon yourself to determine what qualifies as a material fact, especially considering that you do not hold the authority of a judge. 

According to the guidelines outlined by the FTC, when an FTC identity theft report is filed with a law enforcement agency, it is imperative to comply with the law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I am willing to give you one final opportunity to process my request regarding my identity theft. Failure to do so will leave me with no choice but to seek legal recourse in the courtroom, where you will be held responsible for the damage inflicted upon my reputation, credit, and emotional well-being as a result of this issue. It is highly likely that the significance of the material facts will become abundantly clear, and you will be required to compensate me for your negligence.

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 2024-04-22 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: IL

Complaint narrative:
To whom it may concern, I, XXXX XXXX, never gave ( XXXX, Experian, or XXXX ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 
I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

You also do not have any permissible purpose to furnish my personal information to any third party. 
15 USC 1681b Permissible purpose of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

As a consumer, I am demanding a deletion of the following account : XXXX XXXX XXXX XXXXXXXX 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 2024-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: FL

Complaint narrative:
Under the Fair Credit Reporting Act, VANCE AND HUFFMAN LLC has violated my rights. 15 U.S.C 1681 section ( 602a ) states I have the right to privacy. 15 U.S.C 1681 section ( 604a ). section 2 also states a consumer reporting agency can not furnish an account without my written instructions. This account is listed on my credit in the amount of { {$1100.00} }. The original creditor listed is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 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 hope this message finds you well. I am writing to follow up on my today 's attempt to remove the fraudulent items from my credit report. 

I was assured that swift action would be taken to investigate and remove these fraudulent items from my account. However, to my dismay, the process of removal has been unduly prolonged, causing me significant distress and inconvenience. The continued presence of these fraudulent items not only poses a threat to my financial security but also reflects poorly on your company 's commitment to customer satisfaction. 

Despite numerous requests, these items remain unresolved and continue to impact my credit negatively. I kindly request an immediate review and action to rectify this situation. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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