vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-14 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: TX

Complaint narrative:
Please see the attached notarized and dated affidavit supporting my claim of inaccurate reporting on XXXX student loan accounts listed on my credit report. The accounts in question are as follows : DEPTEDXXXX  ( Account Number : XXXX ) DEPTEDXXXX  ( Account Number : XXXX ) DEPTEDXXXX ( Account Number : XXXX ) DEPTEDXXXX  ( Account Number : XXXX ) DEPTEDXXXX  ( Account Number : XXXX ) DEPTEDXXXX ( Account Number : XXXX ) The reported XXXX late payments on these accounts are inaccurate. During the dates you are reporting as late, my loans were in deferment. XXXX, the servicer, has already confirmed that I was never late on these accounts. Furthermore, I was part of a class action lawsuit filed against XXXX in XXXX for abusive and predatory practices. As a result of the lawsuit, XXXX agreed to delete inaccurate information, yet these errors persist on my credit report in XXXX. 

I am requesting that these accounts be immediately updated to reflect the correct status : paid as agreed, never late. Failure to resolve this matter promptly will leave me with no choice but to take further legal action to enforce my rights under the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: TX

Complaint narrative:
I am aXX/XX/XXXX The information listed below, which appears on my credit report, is the result of that XX/XX/XXXX 

XX/XX/XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$150.00} XXXX # XXXX XX/XX/XXXX -- {$750.00} XX/XX/XXXX # XXXX XX/XX/XXXX -- {$5600.00} XX/XX/XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$450.00}XX/XX/XXXX # XXXX XX/XX/XXXX -- {$1000.00} UNAUTHORIZED INQUIRIES : XX/XX/XXXXXXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXX XXXX XX/XX/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 2025-01-14 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: AZ

Complaint narrative:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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 am writing to formally dispute the inaccurate information on my credit report due to my recent XX/XX/XXXX I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me.

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 2025-01-14 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 recently reviewed a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain 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 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
After numerous attempts, I am writing to formally demand the immediate deletion of fraudulent accounts and inquiries that appear on my XXXX & Transunion credit profile. As a documented victim of identity theft, I am protected under the Fair Credit Reporting Act ( FCRA ), CFPB and the guidance provided by the Attorney Generals Office concerning victims of these crimes. XXXX XXXX Transunion is legally obligated to act promptly to ensure these fraudulent accounts are permanently removed. 
After years of numerous attempts to work with XXXX XXXX Transunion in unsuccessful outcomes in sham investigations. XXXX XXXX Transunion, you have violated the FCRAs and CFPB requirement for handling my disputes, which has caused me great damage, as a consumer, great suffering and harm to my way of living by : Improperly reinserting very inaccurate information on my credit report. 
Conducting sham investigations that has failed to properly address and correct my disputes time and time again. 
I cant obtain a good vehicle or a home mortgage, due to these circumstances.

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 2025-01-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 1. XXXX XXXX XXXX XXXX 2.XX/XX/XXXXXXXX

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 2025-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
I requested 10 times 1. Signed letter from the original creditor stating that they gave them permission to collect on alleged debt 2. I requested a copy of the letter with the information of the charge off/write off that the original debt holder filed, so, that I can provide this to the ITS and Oolice 3 . I requested a Signed contract with my signature on it. They refuse to send proof I signed a contract etc They repeatedly harass via mail and calls I have sent them a do not contact letter, and only gave permission to, send only requested information only the one time 4. I explained I filed bankruptcy it was discharged, I was aXX/XX/XXXX And I have told them its not my debt Send me the same ole stud ] ff over and over agin, a statement, thats all. That proves nothing They have sent to all XXXX credit bureaus, false information such as I entered into a contract with them. I they send in missed payment information and I have never even entered into anything with them. They have superseded in violating my rights to, the fullest All I have said same letter mailed 10, times certified is I dont own the debt. Its not mines, Im a XX/XX/XXXX, all my debt was discharged in bankruptcy. that I want a copy of the signed contract for the ( 3 ) debts which are separate companies so that I can send the signed contracts to police detitve for investigation, I ask for my signature. Banking, emails, social etc all hacked twice this year, twice last year and also fromXX/XX/XXXX to current I am apart of a lawsuit undisclosed to them for fraud. 

They repeatedly send the same stuff I requested they remove all negative information from all w reports until, proven otherwise and this is resolved I dont want no contact or emails, call or mail here then what I ask for specific and not what they send thats errelevant they have not did anything

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: WI

Complaint narrative:
We escrow our taxes with Mr. Cooper. On XX/XX/XXXX I had realized we had not received a check to bring to the city to pay our property taxes from our escrow account. I had sent a chat to Mr. Cooper on XX/XX/XXXX to see where the check was and if it was sent out. I received a chat response that the check was sent out in XXXX and we should have received the check by then. They said they would reissue the check and I should receive it within 10 business days. A few days after my initial contact I received a check in the mail from our escrow account and it was dated XX/XX/XXXX. I contacted Mr. Cooper and they told me this was the initial check that was sent and is void. During my initial contact if they would have said the check was sent out XX/XX/XXXX I would have delayed then reissuing a new check. They said the new check should be coming via mail in 10 business days. 

I had not received the check before the end of the year so my husband and I contacted Mr. Cooper again on XX/XX/XXXX. They said that they reissued the check but it was missing. They said they did not understand why the check was being sent to us and the city and not directly to the city of XXXX XXXX. We said we were fine either way if they want to disburse funds to the city directly we were agreeable. The taxes are due XX/XX/XXXX and we just want to assure they are paid. It is now XX/XX/XXXX and we still have not received a check and the city is not paid. I have called 5 or more times and nobody can tell me where the funds are and when they will be paid. Mr. Cooper keeps saying, " the tax department is handling this ''. But this has been an issue since XX/XX/XXXX and nobody has contacted me from the tax department. Last week XX/XX/XXXX I spoke with a representative XXXX who told me none of my requests were marked urgent and the tax department had not responded to where the funds are. I asked today for an update via chat and Mr. Cooper said they have no update. They are with holding the money for escrow for no apparent reason and I am going to be late on my taxes. I have never been late on a mortgage payment or in default so I do not know why they are withholding our funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: FL

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/year> XX/XX/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 2025-01-14 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: TX

Complaint narrative:
In agreement with my state 's reporting regulations and the applicable federal guidelines for lawful and compliant reporting of consumer credit, it is unlawful to assume report-ability of any claim without : Physically verified proof of fullness of truth, Completeness of accuracy, Timeliness of validity, and Certifiable compliant reporting, including but not limited to the standards and mandates described or hinted at via the applicable FCRA and FDCPA laws. 

This includes adherence to the documented perfect and full Metro 2 Format compliance of reporting.

Your current reporting is significantly questionable and unproven to be : Credibly unfeigned, Correct, Complete, Timely, Validated, or Elsewise certified compliant as required by the mandates and standards of lawful reporting.

This includes compliance with the applicable aspects of the FCRA and FDCPA, as well as the mandatorily perfect and replete certified Metro 2 Format reporting.

You are reporting inaccurate and incomplete information regarding the following medical account ( s ). I demand that you : Contact the medical facility, as I have already done, and demand a validation of the debt. 
Note that they can not provide the statement at this time, nor can they provide an itemized statement for the services. 

Since they can not or will not provide the required documentation, they are clearly in violation of the FCRA and FDCPA. 

Please entire your investigation of this medical collection and remove it because the provider can not validate the details you are reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Phone : XXXX ( XXXX ) XXXX Date : XX/XX/2025 Dispute Department Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Charge-Off Entry on My Credit Report Dear Experian Dispute Department : I am writing to formally dispute a charge-off entry that appears on my credit report. According to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information on my credit report. If the information can not be verified within a reasonable time frame, it must be removed. 

The charge-off in question does not accurately reflect my credit history or the status of the account. I am requesting that you investigate and, if necessary, remove this charge-off entry from my credit report unless proper verification is provided. 

Under 15 U.S.C. 1681i, credit reporting agencies are required to investigate any disputed information within 30 days and to provide written confirmation of the results of the investigation. If the information is found to be inaccurate or incomplete, it must be corrected or removed. The presence of this charge-off on my credit report is damaging to my creditworthiness and violates my rights under federal law. 

Please investigate this matter and remove the charge-off entry from my credit report if it can not be properly verified. I request a written confirmation once the investigation has been completed and the necessary corrections have been made. 

Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any additional information. 

Sincerely, XXXX XXXX XXXX 15 U.S.C. 1681i Procedure in Case of Disputed Accuracy This section of the Fair Credit Reporting Act ( FCRA ) outlines the procedures for disputing inaccurate information on a credit report. It states : When a consumer disputes information on their credit report, the credit reporting agency must investigate the dispute within 30 days. 
The agency must promptly notify the consumer of the results of the investigation. 
If the information is found to be inaccurate or incomplete, it must be corrected or removed from the consumers report.

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 2025-01-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a XX/XX/XXXX XX/XX/XXXX. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 1. XXXX XX/XX/XXXX 2. XX/XX/XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: TX

Complaint narrative:
Due to a data breach, I have discovered XXXX XXXX services account # XXXX on my consumer report with Equifax and XXXX. XXXX XXXX is in the amount of {$23000.00} from XX/XX/year> I have contacted and certified mailed both consumer reporting agencies with notarized Affidavit statement, copies of my identity with a copy of my social security card, a copy of my bill and a copy of my FTC report. This has resulted in compromising my consumer report and has additional unapproved credit inquiries for instant XXXX XXXX XXXX and XXXX XXXX XXXX. I need professional assistant to prompt this requested process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: MO

Complaint narrative:
XXXX XXXX XXXX Is reporting inaccurately and because of that my score dropped XXXX points today. The error has hurt my score. The balance and credit limit are both inaccurate. I demand that you update this information from my credit report immediately. By the provisions of the Fair Credit Reporting Act of 1970,

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