vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Subject : Dispute of Inaccurate Reporting XXXX ( Account Ending in XXXX ) To Whom It May Concern, I am writing to dispute inaccurate and inconsistent reporting of the XXXX account ending in XXXX on my credit report. Although the balance is listed as {$0.00}, this account contains numerous inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). 

Disputed Information and Inconsistencies 1. Date Opened : Different dates are reported across bureaus ( TransUnion : XX/XX/XXXX, XXXX : XX/XX/XXXX, XXXX : XX/XX/XXXX ). 
2. High Credit Amount : Inconsistent high credit amounts ( TransUnion : {$1400.00}, XXXX : {$0.00}, XXXX : {$1000.00} ). 
3. Credit Limit : Conflicting credit limit values ( TransUnion : {$1000.00}, XXXX : {$1000.00}, XXXX : {$0.00} ). 
4. Last Reported Date : Different dates of last reporting ( TransUnion : XX/XX/XXXX, XXXX : XX/XX/XXXX, XXXX : XX/XX/XXXX ). 
5. Date of Last Activity and Payment : Inconsistent dates for the last activity ( TransUnion : XX/XX/XXXX, XXXX : XX/XX/XXXX, XXXX : XX/XX/XXXX ) and last payment ( XXXX : XX/XX/XXXX, XXXX : XX/XX/XXXX ). 
6. Comments and Payment History : Comments and 2-year payment history are inconsistent across all bureaus.

Violations 1. 15 U.S.C. 1681e ( b ) : FCRA mandates maximum possible accuracy in credit reporting. These inconsistencies clearly fail to meet that standard.

2. 15 U.S.C. 1681i ( a ) : Credit reporting agencies are required to investigate disputes and correct or remove inaccurate information promptly. 

Requested Resolution I request that XXXX : 1. Delete the XXXX account from my credit report entirely due to its multiple inaccuracies and inconsistencies. 
2. Provide written confirmation of the resolution and any updates made to my credit report.

Supporting Documentation 1. A copy of the XXXX credit report details highlighting the inconsistencies. 
XXXX. Correspondence from XXXX XXXX XXXX  regarding the account transfer and their refusal to issue a 1099-C.

3. A copy of my government-issued ID and proof of address for verification. 

Please investigate this dispute promptly and notify me of your findings within 30 days, as required by law. 

Sincerely, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TN 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 2024-11-22 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: TN

Complaint narrative:
Subject : Dispute of Inaccurate Reporting XXXX ( Account Ending in XXXX ) To Whom It May Concern, I am writing to dispute inaccurate and inconsistent reporting of the XXXX account ending in XXXX on my credit report. Although the balance is listed as {$0.00}, this account contains numerous inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). 

Disputed Information and Inconsistencies 1. Date Opened : Different dates are reported across bureaus ( XXXX : XX/XX/XXXX, XXXX : XX/XX/XXXX, Equifax : XX/XX/XXXX ). 
2. High Credit Amount : Inconsistent high credit amounts ( XXXX : {$1400.00}, XXXX : {$0.00}, Equifax : {$1000.00} ). 
3. Credit Limit : Conflicting credit limit values ( XXXX : {$1000.00}, XXXX : {$1000.00}, Equifax : {$0.00} ). 
4. Last Reported Date : Different dates of last reporting ( XXXX : XX/XX/XXXX, XXXX : XX/XX/XXXX, Equifax : XX/XX/XXXX ). 
5. Date of Last Activity and Payment : Inconsistent dates for the last activity ( XXXX : XX/XX/XXXX, XXXX : XX/XX/XXXX, Equifax : XX/XX/XXXX ) and last payment ( XXXX : XX/XX/XXXX, Equifax : XX/XX/XXXX ). 
6. Comments and Payment History : Comments and 2-year payment history are inconsistent across all bureaus.

Violations 1. 15 U.S.C. 1681e ( b ) : FCRA mandates maximum possible accuracy in credit reporting. These inconsistencies clearly fail to meet that standard.

2. 15 U.S.C. 1681i ( a ) : Credit reporting agencies are required to investigate disputes and correct or remove inaccurate information promptly.

Requested Resolution I request that XXXX : 1. Delete the XXXX account from my credit report entirely due to its multiple inaccuracies and inconsistencies. 
2. Provide written confirmation of the resolution and any updates made to my credit report.

Supporting Documentation 1. A copy of the XXXX credit report details highlighting the inconsistencies. 
2. Correspondence from XXXX XXXX XXXX  regarding the account transfer and their refusal to issue a 1099-C.

3. A copy of my government-issued ID and proof of address for verification. 

Please investigate this dispute promptly and notify me of your findings within 30 days, as required by law. 

Sincerely, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 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: FL

Complaint narrative:
Errors showing late payments appear on my credit report, which isnt reflective of my usual payments. Kindly fix.

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 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/year> I submitted a complaint to the XXXX, Equifax, and XXXX 's legal team. The credit bureaus are in violation of the FCRA for refusing to provide me with copies of my credit reports and reinvestigation results as promised in their responses. The credit bureaus legal team also failed to provide me with information on how the reinvestigation was made for each account, including any forms that were filled out and the contact information of the creditors that were contacted to verify the information. XXXX continues to report the collection account for XXXX XXXX XXXX although XXXX and Equifax has deleted the inaccurate information. XXXX is reporting inaccurate information on the account with XXXX by failing to report {$1600.00} credit limit. XXXX is reporting inaccurate information on the account with XXXX. The company has failed to report the {$3200.00} credit limit. The credit bureaus legal team stated that the accounts are verified, but refuses to provide the appropriate account-level documentation with is a violation of the FCRA Section XXXX ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2024 I submitted a complaint to the XXXX, XXXX, and Experian 's legal team. The credit bureaus are in violation of the FCRA for refusing to provide me with copies of my credit reports and reinvestigation results as promised in their responses. The credit bureaus legal team also failed to provide me with information on how the reinvestigation was made for each account, including any forms that were filled out and the contact information of the creditors that were contacted to verify the information. Experian continues to report the collection account for XXXX XXXX XXXX although XXXX and XXXX has deleted the inaccurate information. XXXX is reporting inaccurate information on the account with XXXX by failing to report {$1600.00} credit limit. Experian is reporting inaccurate information on the account with XXXX. The company has failed to report the {$3200.00} credit limit. The credit bureaus legal team stated that the accounts are verified, but refuses to provide the appropriate account-level documentation with is a violation of the FCRA Section 1681s-2 ( b )

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 2024-11-22 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: TN

Complaint narrative:
Subject : Dispute of Inaccurate Reporting XXXX XXXX  ( Account Ending in XXXX ) To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report related to the XXXX XXXX  account ending in XXXX. The account is being reported as charged off ; however, XXXX XXXX  has failed to issue a Form 1099-C or provide documentation verifying the validity of this debt. This reporting violates the Fair Credit Reporting Act ( FCRA ), which requires accurate and verifiable reporting of consumer credit information. 

Disputed Information Creditor Name : XXXX XXXX  Account Number : Ending in XXXX Issue : Charged-off account still reported without verification of validity or issuance of a Form 1099-C.

Violations 1. 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy of reported information.

2. 15 U.S.C. 1681s-2 ( b ) : Failure to properly verify and correct inaccurate information after a dispute.

Requested Resolution 1. Remove the XXXX XXXX  account from my credit report. 
2. If the account remains, require XXXX XXXX  to provide : Proof of continued collection efforts or A Form 1099-C, if the debt has been forgiven. 

Supporting Documents I have included the following : 1. A copy of my credit report with the XXXX XXXX  account highlighted. 
2. A copy of my government-issued ID and proof of address for verification. 

Please complete your investigation and notify me of your decision in writing within 30 days, as required by law. 

Sincerely, XXXX XXXX Address : XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, TN XXXX Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Subject : Dispute of Inaccurate Reporting XXXX XXXX  ( Account Ending in XXXX ) To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report related to the XXXX XXXX  account ending in XXXX. The account is being reported as charged off ; however, XXXX XXXX  has failed to issue a Form 1099-C or provide documentation verifying the validity of this debt. This reporting violates the Fair Credit Reporting Act ( FCRA ), which requires accurate and verifiable reporting of consumer credit information. 

Disputed Information Creditor Name : XXXX XXXX  Account Number : Ending in XXXX Issue : Charged-off account still reported without verification of validity or issuance of a Form 1099-C.

Violations 1. 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy of reported information.

2. 15 U.S.C. 1681s-2 ( b ) : Failure to properly verify and correct inaccurate information after a dispute.

Requested Resolution 1. Remove the XXXX XXXX  account from my credit report. 
2. If the account remains, require XXXX XXXX  to provide : Proof of continued collection efforts or A Form 1099-C, if the debt has been forgiven.

Supporting Documents I have included the following : 1. A copy of my credit report with the XXXX XXXX  account highlighted. 
2. A copy of my government-issued ID and proof of address for verification. 

Please complete your investigation and notify me of your decision in writing within 30 days, as required by law. 

Sincerely, XXXX XXXX Address : XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, TN XXXX Phone : XXXX Email : 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 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Im requesting your support to address this incorrect account reported on my credit report. It has harmed my reputation as a customer, and I need your help. This account should be removed, as it is inaccurately and negatively reported.

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 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Im requesting your support to address this incorrect account reported on my credit report. It has harmed my reputation as a customer, and I need your help. This account should be removed, as it is inaccurately and negatively reported.

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 2024-11-22 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: TN

Complaint narrative:
Subject : Dispute of Inaccurate Reporting XXXX Account Ending in XXXX To Whom It May Concern, I am writing to dispute inaccurate information on my credit report regarding the XXXX account ending in XXXX. This account is being reported as a charge-off, despite the issuance of a Form 1099-C by XXXX, indicating the debt has been cancelled. Continued reporting of this account as a charge-off is inaccurate, misleading, and in violation of the Fair Credit Reporting Act ( FCRA ). 

Disputed Information Creditor Name : XXXX Account Number : Ending in XXXX Issue : Continued reporting of charged-off debt after issuance of a Form 1099-C for debt cancellation.

Violations 1. 15 U.S.C. 1681e ( b ) : FCRA requires credit reporting agencies to ensure maximum possible accuracy of credit reports. Reporting a cancelled debt as charged off is misleading.

2. 15 U.S.C. 1681i ( a ) : Failure to investigate and correct inaccuracies is a violation of the FCRA. 

Requested Resolution 1. Remove the XXXX account from my credit report. 
2. If the account is not removed, update it to reflect a {$0.00} balance and clearly indicate the debt has been cancelled. 

Supporting Documentation 1. A copy of the Form 1099-C issued by XXXX. 
2. A copy of my credit report with the XXXX account highlighted. 
3. A copy of my government-issued ID and proof of address. 

Please investigate this matter and notify me in writing of the results of your investigation within 30 days. 

Sincerely, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

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 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

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 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I disputed inaccurate information reporting on my consumer file with TransUnion on four separate occasions, but they failed to respond in a resonnable time frame. I first reached out to TransUnion concerning the fraudulent account on my credit file on XX/XX/year>. However, after many attempts from me to resolve this issue, TransUnion is still reporting the account on my credit file. It is important to note that this account was found to violate my rights and was removed in XX/XX/year>. I also informed TransUnion that the furnishers of the information are most likely unreliable sources and/or giving them false information about me. I'm now seeking a remedy. In accordance with the Fair Credit Reporting Act This account violated my rights : XXXX. This account is inaccurate, incomplete and not adhering to compliance standards. I require that any mistakes be fixed permanently. 
On XX/XX/year>, I also requested another investigation with TransUnion into the matter. However it has been more than 90 days and TransUnion has still not completed their investigation or they just ignored my request. For that reason I demand that this account be removed from my credit report for good seen that it is way outside of normal investigation period. 
According to the FCRA, 15 U.S. Code 1681 section 602 A. States I have the right to privacy. 15 U.S. Code 1681 Section 604 A. section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions. It is important to note that I previously requested the information that TransUnion used to verify the accounts with the creditor but did not receive anything even after 90 days of my demand letter. TransUnion must remove the account from my credit report in a reasonable time frame and inform me of the outcome.

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 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
My name is XXXX XXXX and I am a consumer/ natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. I demand that the following accounts listed on attached document be removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT 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