vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-13 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:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: PA

Complaint narrative:
I am writing to formally dispute inaccuracies in my personal information on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). I have reviewed my report and found that certain information does not accurately reflect my current or previous personal details. I am concerned these errors may negatively affect my credit standing. 
The inaccurate information includes ( but is not limited to ) : Incorrect Addresses : XXXX. XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX. XXXX XXXX XXXX, XXXX, PA 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 2024-11-13 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: NJ

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 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. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

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 2024-11-13 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: CA

Complaint narrative:
I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.

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 2024-11-13 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 am filing this complaint due to inaccurate and incomplete information being reported on my credit report. I have reviewed my report and found several issues that need immediate correction and deletion, which are in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The following errors exist on my credit report : Inaccurate Names : Multiple variations of my name are listed, including incorrect spellings and versions of my first and/or middle names. The only correct name should be. I attached a letter Incorrect Address Information : Several addresses are reported that I have never lived at or have no association with. These addresses should be removed and replaced with my correct address : [ I attached a letter ]. 
Incorrect Phone Numbers : The phone numbers listed on my credit report are inaccurate. My only valid contact number should be I attached a letter ]. 
Incorrect Employment Information : My employment history is incorrectly reported. The correct employer is I attached a letter, and all other entries should be deleted. 
Removal of Social Security Number ( SSN ), Date of Birth ( XXXX ), and Year : I request that my Social Security number, date of birth, and year of birth be removed from my credit report to ensure the safety and privacy of my personal information. 
I have already contacted the credit reporting agencies to address these issues, but no meaningful corrections have been made, and the errors continue to affect my credit profile and score. 

In accordance with the FCRA, I request that these inaccuracies be corrected, and the proper information be reflected on my credit report. Under the FDCPA, these agencies are obligated to ensure that only accurate, verifiable information is reported. I am requesting that these inaccuracies be fully removed from my credit file and that an updated credit report be sent to me showing all deletions. 

Failure to comply with these requests will result in a formal complaint to the Federal Trade Commission ( FTC ), and I may pursue further legal action under both the FCRA and FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: GA

Complaint narrative:
I am filing this complaint due to inaccurate and incomplete information being reported on my credit report. I have reviewed my report and found several issues that need immediate correction and deletion, which are in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The following errors exist on my credit report : Inaccurate Names : Multiple variations of my name are listed, including incorrect spellings and versions of my first and/or middle names. The only correct name should be. I attached a letter Incorrect Address Information : Several addresses are reported that I have never lived at or have no association with. These addresses should be removed and replaced with my correct address : [ I attached a letter ]. 
Incorrect Phone Numbers : The phone numbers listed on my credit report are inaccurate. My only valid contact number should be I attached a letter ]. 
Incorrect Employment Information : My employment history is incorrectly reported. The correct employer is I attached a letter, and all other entries should be deleted. 
Removal of Social Security Number ( SSN ), Date of Birth ( XXXX ), and Year : I request that my Social Security number, date of birth, and year of birth be removed from my credit report to ensure the safety and privacy of my personal information. 
I have already contacted the credit reporting agencies to address these issues, but no meaningful corrections have been made, and the errors continue to affect my credit profile and score. 

In accordance with the FCRA, I request that these inaccuracies be corrected, and the proper information be reflected on my credit report. Under the FDCPA, these agencies are obligated to ensure that only accurate, verifiable information is reported. I am requesting that these inaccuracies be fully removed from my credit file and that an updated credit report be sent to me showing all deletions. 

Failure to comply with these requests will result in a formal complaint to the Federal Trade Commission ( FTC ), and I may pursue further legal action under both the FCRA and FDCPA.

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 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.

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 2024-11-13 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: CORELOGIC INC
State: ID

Complaint narrative:
Approximately 4 weeks ago I contacted CoreLogic Credco that my consumers nonpublic personal information, as defined by 15 USC 6809 ( 4 ), is being illegally shared without my express consent, per 15 USC 6801 thru 6809 and 15 U.S. Code 1681b ( a ) ( 2 ), and am now expressly opting out of sharing any of my consumers nonpublic personal information with nonaffiliated third-parties, including, though not limited to the following : XXXX, XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX. CoreLogic Credco has yet to acknowledge my request.

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 2024-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: CT

Complaint narrative:
Shellpoint Mortgage Company took over my loan from Specialized Loan Servicing in XXXX of 2024. I have made every single payment to them on time and they keep sending invoices that I am late and they keep charging me late fees. I have supplied them with proof of payment from my bank over a month ago and now they have reported me as late to the credit bureau and damaged my credit by XXXX points. Today I received a letter from them saying they need more time to work on it. I believe it is illegal to report someone to the credit bureau when they can't find my payments and properly credit them because their administration is inept. Every time I talk to someone there, they tell me the dept that can help me with this can not do it over the phone. It has been almost six months I have been complaining to them and asking for them to get to the bottom of where my payments are going and to credit me properly. I have never in my life had a late payment on this mortgage or any other. And though my mortgage has been sold many times, I have never experienced anything like this at all. I believe I am due damages for the negative impact on my credit report as I am trying to look for another house to purchase!

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 2024-11-13 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: NJ

Complaint narrative:
In accordance with the " FCRA '' ( XXXXXXXX XXXX ) ( account # XXXX ) has violated my rights 15 USC 1681 section 602 A. States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

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 2024-11-13 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: IN

Complaint narrative:
I have been disputing fraudulent information with Equifax for a while requesting them to remove items that where not mine. They continue to keep information on my report that's not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: KY

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: FL

Complaint narrative:
I am reaching out to formally request the immediate blocking and deletion of the following accounts on my credit report due to a recent data breach that has exposed my personal information. In accordance with my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that these accounts be removed to prevent any potential misuse and further harm. 
Accounts to be Blocked and Deleted : 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 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Portfolio Recovery Associates, LLC
State: DC

Complaint narrative:
To have this account removed immediately or counsel will be obtained.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: IN

Complaint narrative:
I am writing to bring specific inconsistencies in my credit report to your attention, specifically pertaining to billing errors as outlines I 15 U.S CODE 1666 ( B ) under the billing error category : ( 4 ) The creditors failure to accurately reflect a payment made by the obligator or a credit issued to the obligor on a statement.

( 5 ) A compilation error or similar accounting error made by the creditor on a statement It is my knowledge that the creditor failed to furnish me with a statement 21 days prior, which ought to be render any ramifications of late payments regarding the linked accounts. Am in pursuit of concrete evidence from the creditors bank records that will support the assertion I failed to make a payment, resulting in an erroneous designation as late- a sign of an invoicing error- therefore.

I humbly request that the subsequent entries be promptly updated on my consumer report to reflect their current status as follow : paid as agreed.

Also as you can see in the picture below there are multiple errors which is a violations all XXXX creditors has to report the same thing therefore my credit need to be updated YOU HAVE A LOT OF INCONSISTENCIES

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 2024-11-13 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: IN

Complaint narrative:
I am writing to bring specific inconsistencies in my credit report to your attention, specifically pertaining to billing errors as outlines I 15 U.S CODE 1666 ( B ) under the billing error category : ( 4 ) The creditors failure to accurately reflect a payment made by the obligator or a credit issued to the obligor on a statement.

( 5 ) A compilation error or similar accounting error made by the creditor on a statement It is my knowledge that the creditor failed to furnish me with a statement 21 days prior, which ought to be render any ramifications of late payments regarding the linked accounts. Am in pursuit of concrete evidence from the creditors bank records that will support the assertion I failed to make a payment, resulting in an erroneous designation as late- a sign of an invoicing error- therefore. 
I humbly request that the subsequent entries be promptly updated on my consumer report to reflect their current status as follow : paid as agreed. 
Also as you can see in the picture below there are multiple errors which is a violations all XXXX creditors has to report the same thing therefore my credit need to be updated YOU HAVE A LOT OF INCONSISTENCIES

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ID Analytics, Inc.
State: CA

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 XXXX XXXX. 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 : XXXX ITEMS IN DISPUTE : collection/charge off : XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: GA

Complaint narrative:
To Whom It May Concern : I am submitting a formal complaint against XXXX XXXX XXXX XXXX for their illegal attempts to collect a debt that is not mine and their ongoing violations of consumer protection laws. This debt, reported as {$700.00} owed to XXXX XXXX XXXX has been placed on my credit report, but I have never conducted any business with either XXXX XXXX XXXX XXXXXXXX XXXX, nor have I signed any contract or agreement that would make me liable for this amount. 

I first disputed this debt, citing the fact that I did not owe it and requesting debt validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I specifically requested proof of the debt, including a signed contract or agreement, and an itemized statement showing how the amount was determined. After this request, the collection was deleted from my credit report as it was not validated. 

However, despite the deletion of this invalid debt, XXXX XXXX has reinserted this account onto my credit report without providing any verification of the debt. This is a clear violation of 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), which requires that any reinserted information must be fully verified and legally justified before being reported.

In addition, I am invoking my rights under 15 U.S.C. 1692c ( c ) of the FDCPA, which prohibits any further communication from a debt collector once I have requested that they cease contact. XXXX XXXX has disregarded this by continuing to report the debt to credit bureaus and making indirect contact through collection activity, violating my right to cease communication. 

I am requesting that the CFPB investigate this matter and enforce compliance with federal consumer protection laws. Specifically, I seek the following : 1. Immediate removal of the fraudulent debt from my credit report by XXXX XXXX. 
2. An investigation into their failure to cease communication, as required by the FDCPA. 
3. Action taken against XXXX XXXX for violating consumer laws by re-reporting an unverified debt and continuing to contact me after my explicit request to cease all communications. 

This ongoing issue has caused significant distress and damage to my credit, and I seek your assistance in holding XXXX XXXX accountable for their illegal actions. 

Thank you for your attention to this matter. I trust the CFPB will take appropriate action to address these violations and ensure that my rights as a consumer are protected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation