vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-11 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: MA

Complaint narrative:
Complaint Details : This complaint addresses Transunions inaccurate reporting of late payments for the months of XX/XX/year>, XX/XX/year>, and XX/XX/year> under my XXXX XXXX XXXX account ( XXXX ). These late payment entries are incorrect, and I am requesting that they be reversed and corrected to reflect on-time payments. 

Key Points : Timely Payments : I have attached payment confirmations and bank statements proving that my payments were made on or before the due dates. There is no basis for these late payment marks. 

Inconsistent Reporting : Both TransUnion and XXXX report this account as " Paid or Paying as Agreed '' with no delinquencies for the disputed months, further highlighting that XXXX 's reporting is inaccurate. 

Impact of Inaccuracy : These erroneous late payment marks have negatively impacted my credit score and financial standing.

Violations of the Fair Credit Reporting Act ( FCRA ) : Failure to Ensure Maximum Possible Accuracy ( 15 U.S. Code 1681e ( b ) ) : XXXX is required to ensure the maximum possible accuracy of the information it reports. These inaccurate late payments violate this obligation. 

Failure to Conduct a Reasonable Reinvestigation ( 15 U.S. Code 1681i ) : Under the FCRA, XXXX must conduct a thorough reinvestigation of disputed information. Failure to reverse these inaccurate late payments demonstrates noncompliance. 

Requested Resolution : I am requesting the CFPB to intervene and ensure that transunion takes the following actions : Reverse the Late Payment Marks : The late payment entries for XX/XX/year>, XX/XX/year>, and XX/XX/year> must be reversed and corrected to reflect on-time payments. 

Provide Verification or Documentation : If XXXX continues to assert the validity of these late payments, they must provide detailed documentation, including : Billing records for the disputed months. 
Proof of delinquency notices sent to me. 
Evidence showing that payments were not made within the agreed-upon terms. 
Update My Credit Report : Ensure my credit report accurately reflects that payments were made on time. 

Supporting Documents Enclosed : Payment confirmations for the disputed months. 
Bank statements demonstrating timely payments. 
Credit report comparisons showing discrepancies between TransUnion, XXXX, and XXXX. 
Escalation of Complaint : Failure to resolve this issue and reverse the inaccurate late payments will leave me with no choice but to pursue further legal recourse and file additional complaints with regulatory agencies. 

Thank you for your immediate attention to this matter. 

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 2024-12-11 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: IL

Complaint narrative:
Multiple accounts on my credit report contain inaccurate or inconsistent information, violating the Fair Credit Reporting Act ( FCRA ). 
These inaccuracies have harmed my credit profile. I request immediate deletion of these accounts and resolution within 30 days. All supporting documents are attached for review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I noticed several unauthorized accounts on my credit report. I request their immediate deletion and blocking as they are fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX account # XXXX is showing on my XXXX and Equifax reports XXXX has already removed the account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: RFNA, LP
State: TX

Complaint narrative:
Subject : Discrepancy Regarding Account Status and Request for Clarification Dear Republic Finance, I am writing to formally address a discrepancy I have identified regarding my account with Republic Finance. Specifically, the status of this account is being inaccurately reported as " charged off '' on my credit reports from XXXX and XXXX. However, when I contacted Republic Finance directly, I was informed that this account was not charged off.

Additionally, I have been advised by Republic Finance that no IRS Form 1099-C was filed for this account. Yet, I am being contacted by a collection agency and receiving phone calls regarding this matter. I find this situation confusing and concerning, as it appears to conflict with the information provided by your company. For reference, I have included copies of my credit reports and the notifications I have received from the collection agency. 
I respectfully request the following actions and clarifications : Confirmation in writing of the current status of my account with Republic Finance.

A clear explanation of why my credit reports reflect a " charged off '' status if this is not accurate.

Confirmation that no Form 1099-C was filed with the IRS, as stated by your representative.

Correction to my credit report If there has been an error in reporting this account to XXXX and XXXX, I request that you promptly correct the information with both credit bureaus and provide me with written confirmation of the correction. 
Should you require additional information to resolve this matter, please do not hesitate to contact me in me writing. 
Thank you for your immediate attention to this matter. I look forward to your response within 30 days of receiving this letter, as per the Fair Credit Reporting Act ( FCRA ). 
Sincerely, XXXX XXXX XXXX Enclosures : Notifications received from the collection agency

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: AL

Complaint narrative:
The company XXXX XXXX XXXX XXXX  Is reporting a credit card late every month for several years. The card account has been closed several years ago and account and balance were cleared. The company if report incorrect information. which is against the law

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: AL

Complaint narrative:
The company XXXX XXXX XXXX XXXX  Is reporting a credit card late every month for several years. The card account has been closed several years ago and account and balance were cleared. The company if report incorrect information. which is against the law

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 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: AL

Complaint narrative:
The company XXXX XXXX XXXXXXXX XXXX Is reporting a credit card late every month for several years. The card account has been closed several years ago and account and balance were cleared. The company if report incorrect information. which is against the law

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: AL

Complaint narrative:
Experian responded stating they verified certain information listed on my credit report. I requested the method of verification they stated they contacted the creditor but offered no other information. Who exactly did you talk to? What documents do you have? I have received no such documents. I will give you 14 days to turn over this information or I will have to sue and you will have to pay litigation costs. 

The accounts in question are : 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 2024-12-11 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: CO

Complaint narrative:
XXXX has removed the XXXX from my credit report. But XXXX  and equifax have not

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 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: MO

Complaint narrative:
Upon checking my credit report, I noticed some billing mistakes. The reported late payments are not consistent with my payment habits. Kindly correct these errors and update my account details.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
A collection company XXXX XXXX XXXX acting for XXXX XXXX claims a debt is mine and has added an address that I have never lived at as an address on my credit report. As the debt is linked to that address and I have never held any type of residence at that address, and the collection company was the one that had the address added, it stands that the debt is not mine and is somehow being linked to me. I will not initiate discussing with a collection company for which I have absolutely no responsibility. Save for this added to my credit report I have never had any unpaid debts, at best this is an error and or a fraud perpetuated by someone else. I have no documents to upload or include as I have absolutely NO CONNECTION to the issue. After reporting to the CFPB, XXXX Credit Bureau reinvestigated and corrected my report and deleted the error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My credit report has incorrect details violating 15 USC 1681c-2, particularly unapproved inquiries. These errors are damaging my credit, and I request their removal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: NV

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : IXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 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: NV

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : INQUIRY : XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
My latest credit report includes accounts that were added without my approval. I request that these entries be removed and blocked immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
This company Portfolio Recovery has posted a debt collection to my credit report. The amount is {$380.00}. I sent written communication via certified mail on XX/XX/XXXX of XXXX  requesting proof that this debt belong to me and this company did not respond. Acct number is XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 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: OH

Complaint narrative:
XXXX XXXX Opened XX/XX/XXXX {$430.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$670.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$2500.00} XXXX XXXX Opened XX/XX/XXXX {$130.00} My information may have been impacted by the XXXX, TransUnion and XXXX Data Breach and may have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, Engelhardt V Gravens ( mo ) 281 sw 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists Im calling into place two TITLE 15 US CODES 15 U.S.C. 1681s-2 Which challenges accuracy of the debt In accordance with [ applicable state statute ], which mandates a 15-day period for debt validation, I am requesting that you provide me with the following documentation within 15 days of receiving this letter : 1. Proof that I owe this debt, including a detailed accounting of the original amount, any accrued interest, fees, and any other charges.

2. Copies of any signed agreements or contracts pertaining to the debt.

3. Evidence that your company has legal standing to collect this debt.

Please note that failure to provide this information within the stipulated time period will result in my reporting your company to the Consumer Financial Protection Bureau ( CFPB ) and any other relevant regulatory bodies.

In which, they have not given anything thing to proof no break downs or signed agreements THEN ITS REPORTED DIFFERENT ON THREE DIFFERENT BUREAUS I WANT IT TO BE DELETED DUE TO INACCURATE REPORTING Second Title 15 US CODE 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request that all communication from the debt collector cease immediately.

Please take the necessary steps to ensure compliance with this federal law and notify the debt collector to stop further contact regarding this matter.

Additionally, I request that you : 1. Investigate and verify the accuracy of the debt reported.

2. Provide confirmation that this matter has been addressed, along with any updates to my credit file reflecting the resolution.

This request serves as official notice. I expect you to act promptly and within the timeframes required by law.

If These items are not deleted I hold each credit bureau responsible and will take legal action on credit and credit bureau for breaking the laws put in place by the Fair Debt Collection Practices Act ( FDCPA ) Additionally, while this matter is under dispute, I am requesting that all collection efforts be immediately ceased, and that no negative information related to this alleged debt be reported to any credit bureaus. Any negative reporting during this period will be considered a violation of my rights under the 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 non-monetary relief