vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-26 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:
I am filing this complaint against XXXX  XXXX for violating the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, by inaccurately reporting an account that they no longer own. 

On XX/XX/XXXX, I requested XXXX XXXX to validate and verify an alleged debt associated with account number ending in XXXX. XXXX XXXX responded by stating that the account had been XXXX XXXX XXXX. Despite this, the account continues to be reported under XXXX XXXX 's name on my consumer credit reports with Experian, XXXX, and XXXX. 

This continued reporting violates XXXX XXXX. XXXX ( b ), which requires furnishers of information to ensure accuracy and completeness. As XXXX XXXX no longer owns the debt, its reporting of this account is both inaccurate and misleading. Further, XXXX XXXX failed to provide any validation or proof of the debt under 15 U.S.C. 1692g of the FDCPA. 

My specific concerns are as follows : XXXX. XXXX XXXX continues to report a sold debt on my credit file, which is materially misleading and impacts my creditworthiness.

2. The failure to validate or provide proof of the alleged debt after my written request.

3. The negligence in updating or correcting inaccurate information with the credit bureaus, violating my rights under the FCRA. 

I have attempted to resolve this matter directly with XXXX XXXX through written correspondence, but they have failed to take corrective action. I request that the CFPB : 1. Investigate XXXX XXXX for its violation of FCRA reporting requirements. 
2. Require XXXX XXXX to immediately remove the inaccurate account from all consumer credit reports. 
XXXX. Impose penalties and ensure compliance with consumer protection laws. 

Attached are copies of my dispute letters to XXXX XXXX, their responses, and evidence of the account 's continued reporting. I look forward to your assistance in resolving this matter promptly. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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: CA

Complaint narrative:
I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. Depending solely on your flawed XXXX  system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditorXXXX in question. Sending out a generic form letter through the XXXX system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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 2024-11-26 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: NY

Complaint narrative:
I am disputing multiple inaccuracies on my credit report involving accounts with XXXX and the XXXXXXXX XXXX XXXX XXXX. These accounts, listed under CFPB complaints # XXXX and # XXXX, remain unverifiable and inaccurately reported despite prior investigations. Under 15 U.S.C. 1681e ( b ), reporting agencies are obligated to ensure maximum accuracy, and any unverifiable information must be deleted promptly as outlined in 1681i and 1681i ( 5 ). The continued presence of these accounts violates the Fair Credit Reporting Act ( FCRA ), as these inaccuracies persist even after the prior disputes were completed.

attached are : - 2 credit reports, 1 before and then after the complaint.

- Letter

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 2024-11-26 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: Open Dealer Exchange, LLC
State: FL

Complaint narrative:
I have several inquiries that were not requested or made by me. 
XXXX on XXXX XXXX I did not authorize. 
XXXX. XXXX XXXX XXXX XXXX I did not authorize. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX i did not authorize. 
XXXX. XXXX XXXX XX/XX/year> I did not authorize. 
XXXX XXXX XXXX XXXX I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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: FC HoldCo LLC
State: FL

Complaint narrative:
I have several inquiries that were not requested or made by me. 
XXXX on XXXX XXXX XXXX did not authorize. 
XXXX. XXXX XXXX XXXX XXXX I did not authorize. 
XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX. XXXX  i did not authorize. 
XXXX. XXXX XXXX XX/XX/year> I did not authorize. 
XXXX XXXX XXXX XXXX I did not authorize.

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 2024-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
They were unauthorized transactions on my account, and I have not received a credit. I file a police report and contact my lawyer. I also was a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio recovery reported a debt on my personal credit without notified me, and also Portfolio and XXXX XXXX both are trying to collect on the same account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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:
Subject : Dispute Regarding Inaccurate Reporting on XXXX XXXX XXXX  Account ( Account # : XXXX ) ** Dear CFPB, I am filing a formal complaint regarding the reporting of inaccurate information on my XXXX XXXX XXXX account ( Account # : XXXX ) and requesting immediate corrective action. The reporting reflects a late payment ( 30 days ) that is not accurate, as payments have been consistently made and the account remains in good standing. 

Details of the Dispute : Inaccurate Late Payment Reporting : The late payment reported in XX/XX/2024 is inaccurate. Payments were made as agreed, and no missed payment should be reflected on my credit report. This inaccurate information is damaging to my credit profile and violates my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), which requires furnishers to ensure the accuracy of the data they report.

Current Payment Status : As reflected in the reporting, my account status is " Current '' across all bureaus, yet the erroneous late payment entries remain in the payment history. This inconsistency further highlights the inaccuracy.

Violations of Consumer Rights : Under the FCRA ( 15 U.S.C. 1681i ), I have the right to dispute incomplete or inaccurate information on my credit report, and creditors must investigate and correct such inaccuracies. The Truth in Lending Act ( TILA, 15 U.S.C. 1601 ) requires transparency and accuracy in
reporting account terms and conditions, which has not been upheld.

Under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 ), the misrepresentation of account status or payment history constitutes an unfair practice.

Harm Caused : This erroneous reporting has adversely affected my credit score and financial credibility, limiting my ability to access favorable credit terms.

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 2024-11-26 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: LA

Complaint narrative:
I am writing to formally request the removal of an account from my credit report as reported by all three credit bureaus. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-o for {$5700.00} from XXXX XXXX XXXX XXXX XXXX XXXX my XXXX report, and following a thorough investigation, XXXX has XXXX removed this unverifiable debt from my report as of XX/XX/year>. 

According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable.Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 

Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 

Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 
Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non- compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance.

I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 

Account Name : XXXX XXXX XXXX XXXX Account Number : 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 2024-11-26 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:
I have completely paid off creditor ( XXXX XXXX ) account it is not showing updated as a paid off account on both my Transunion and XXXX report. It need to be updated as such on both. 

Also there is an account creditor name ( XXXX XXXX ) that was paid off as well still not updated as such on my XXXX. Please update my credit reports in regard to these two accounts as paid off/closed

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 2024-11-26 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: KY

Complaint narrative:
Summary of the issue : On XX/XX/XXXX, I filed a dispute regarding a XXXX XXXX  account ( account number : XXXX ), which was subsequently removed from my credit report after resolution of a complaint filed with the CFPB under case number XXXX. However, this account has reappeared on my credit reports with all three credit bureaus ( XXXX, Equifax, and XXXX ) without following the proper procedures mandated by the Fair Credit Reporting Act ( FCRA ). This includes the lack of prior notification and the continued presence of multiple inaccuracies in the reported information.

Details of the issue : 1. Improper reinsertion : I was not notified within the 5 business days required by Section 611 ( a ) ( 5 ) ( B ) of the FCRA regarding the reinsertion of this account.

No evidence or additional documentation was provided to justify the reinsertion of this account.

2. Inaccuracies in the reported information : This account contains significant discrepancies across the credit bureaus : High Balance : XXXX and Equifax report a high balance of {$300.00}. 
XXXX reports {$0.00}. 
Date of Last Report : XXXX and XXXX : XX/XX/XXXX. 
Equifax : XX/XX/XXXX. 
XXXX XXXX : The address listed for the creditor ( XXXX XXXX  ) is inconsistent across the XXXX credit bureaus, which violates the FCRAs requirement for accuracy and consistency. 
XXXX. Previous case history : In case XXXX, the CFPB resolved that this account should be removed from my credit report due to inconsistencies. However, this account has now been reinserted without proper justification or documentation, constituting a repeated violation of my rights under the FCRA. 

Attachments : Recent credit reports from all three credit bureaus highlighting the discrepancies. 
Documentation related to case XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 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: KY

Complaint narrative:
Summary of the issue : On XX/XX/XXXX, I filed a dispute regarding a XXXX XXXX account ( account number : XXXX ), which was subsequently removed from my credit report after resolution of a complaint filed with the CFPB under case number XXXX. However, this account has reappeared on my credit reports with all three credit bureaus ( XXXX, XXXX, and Experian ) without following the proper procedures mandated by the Fair Credit Reporting Act ( FCRA ). This includes the lack of prior notification and the continued presence of multiple inaccuracies in the reported information.

Details of the issue : 1. Improper reinsertion : I was not notified within the 5 business days required by Section 611 ( a ) ( 5 ) ( B ) of the FCRA regarding the reinsertion of this account.

No evidence or additional documentation was provided to justify the reinsertion of this account.

2. Inaccuracies in the reported information : This account contains significant discrepancies across the credit bureaus : High Balance : XXXX and XXXX report a high balance of {$300.00}. 
Experian reports {$0.00}. 
Date of Last Report : XXXX and Experian : XX/XX/XXXX. 
XXXX : XX/XX/XXXX. 
XXXX XXXX : The address listed for the creditor ( XXXX XXXX  ) is inconsistent across the XXXX credit bureaus, which violates the FCRAs requirement for accuracy and consistency. 
3. Previous case history : In case XXXX, the CFPB resolved that this account should be removed from my credit report due to inconsistencies. However, this account has now been reinserted without proper justification or documentation, constituting a repeated violation of my rights under the FCRA. 

Attachments : Recent credit reports from all three credit bureaus highlighting the discrepancies. 
Documentation related to case XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX ADDRESS : XXXX XXXXXXXX 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 2024-11-26 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: CT

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2024-11-26 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:
This morning, I was shocked to find inaccurate accounts appearing on my credit report, and I can't understand how this happened. I checked my report like I always do, but this time, there were discrepancies that seemed to come out of nowhere. Even after refreshing my browser, hoping it was just a glitch, the inaccurate accounts remained. This is why Im requesting that the documents Ive provided be carefully reviewed to ensure this never happens again.

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 2024-11-26 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: CA

Complaint narrative:
I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. Depending solely on your flawed XXXXXXXX  system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditorXXXX in question. Sending out a generic form letter through the XXXX system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ACCOUNTS TO BE REMOVED 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 This account has resulted in several appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent account. I do not recognize the aforementioned account, as reported. The aforementioned account, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account is the result of identity theft and fraud.

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