vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-09 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: MI

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC code1681b Section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 states that a consumer reporting agency can not furnish an account without my written instruction. Under the 15UFC1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I have sent another letter stating what needs to be remove its causing me to lose employment and housing

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 2024-01-09 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 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:
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 seven 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 caus
e to believe that the informationisinaccurate.

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 2024-01-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
I sent a letter for debt validation and to find out why a third party has hippa sensitive information without my knowledge or promition. They never responded only validated the debt with the credit companies no information was sent to me at all. It also has a XXXX month term I have no XXXX month term with this company and it doesn't show any past payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-01-09 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: FL

Complaint narrative:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2024-01-09 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 been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: AK

Complaint narrative:
this is a copy of what was sent to the company : Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts : If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 

I am asserting my rights under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act, including these rights : Because I have disputed this debt in writing within 30 days of receipt of your initial notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense. 

12 CFR 1006.34C Notice for validation of debts : this serves as notice for violation of providing any of the required 13 consumer disclosures ; provide proof of each disclosure. 


Their reply was they refused to follow FCRA laws and will continue to report. This company is violating FCR laws and has refused to comply with my request for the 13 disclosures. Please remove from all credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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:
The following companies reported inquiries without my knowledge or authorization on my Equifax credit report. Someone has used my information try and obtain a vehicle. I am not aware of these inquires or the account connected to these inquires. This is not my doing and I have not authorized these companies to access my credit report. This has yet to be verified and validated. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

Date of Inquiry Company XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I hope this letter finds you well. I am writing to address and rectify an issue that I have recently discovered on my credit report. After reviewing my credit history, I noticed that there are late payments inaccurately reported on my account. I understand the importance of maintaining accurate credit information, and I am seeking your assistance in correcting this discrepancy. 
Below, I have outlined the details of the late payments that I believe have been reported inaccurately : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXXXXXXXXXX XXXX XXXX I have attached supporting documentation, such as payment receipts and bank statements, to validate that the payments in question were made on time. I kindly request that you conduct a thorough investigation into this matter and make the necessary corrections to my credit report promptly. 
I understand that maintaining accurate credit information is crucial, not only for financial transactions but also for my overall financial well-being. Therefore, I appreciate your prompt attention to this matter and request that the corrected information be reflected on my credit report as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I hope this letter finds you well. I am writing to address and rectify an issue that I have recently discovered on my credit report. After reviewing my credit history, I noticed that there are late payments inaccurately reported on my account. I understand the importance of maintaining accurate credit information, and I am seeking your assistance in correcting this discrepancy. 
Below, I have outlined the details of the late payments that I believe have been reported inaccurately : XXXX XXXX XXXX XXXX I have attached supporting documentation, such as payment receipts and bank statements, to validate that the payments in question were made on time. I kindly request that you conduct a thorough investigation into this matter and make the necessary corrections to my credit report promptly. 
I understand that maintaining accurate credit information is crucial, not only for financial transactions but also for my overall financial well-being. Therefore, I appreciate your prompt attention to this matter and request that the corrected information be reflected on my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I hope this letter finds you well. I am writing to address and rectify an issue that I have recently discovered on my credit report. After reviewing my credit history, I noticed that there are late payments inaccurately reported on my account. I understand the importance of maintaining accurate credit information, and I am seeking your assistance in correcting this discrepancy. 
Below, I have outlined the details of the late payments that I believe have been reported inaccurately : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX I have attached supporting documentation, such as payment receipts and bank statements, to validate that the payments in question were made on time. I kindly request that you conduct a thorough investigation into this matter and make the necessary corrections to my credit report promptly. 
I understand that maintaining accurate credit information is crucial, not only for financial transactions but also for my overall financial well-being. Therefore, I appreciate your prompt attention to this matter and request that the corrected information be reflected on my credit report as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 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: TX

Complaint narrative:
There is an inaccurate Late Payments in my credit 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 non-monetary relief
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am requesting the removal of an inaccurate/incomplete bankruptcy record on my credit file ( Attached ). Additionally I am requesting the removal of accounts being reported as Included in XXXX which is inaccurate. I have been unable to file a direct dispute with the data furnisher because Experian refuses to provide this information. According to the bankruptcy record, US BKPT XXXX is the alleged court of filing, however on previous disputes Experian admitted that the courts DOES NOT report to them, and that they use information provided by a data vendor whom they refuse to reveal, this prohibiting me from conducting a complete dispute. In my most recent complaint ( attached ) I requested the data vendors information and Experian has failed to disclose it. On XX/XX/23, Experian opened a reinvestigation only to update my middle name and they closed the investigation the exact same day, please see attached evidence. There is absolutely no way Experian completed a thorough investigation within hours. Experian has violated the 15 USC 1681g ( a ) ( 2 ) which states consumer reporting agencies must clearly disclose the source of information to the consumer ; as per case XXXX v Experian.

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 2024-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I hope this letter finds you well. I am writing to bring to your attention a matter of concern regarding my credit report. Upon reviewing my credit history, I noticed that there are late payments inaccurately reported for the following accounts : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX These late payments are inaccurately reflected in my credit report, and I request that you correct this information immediately. I have attached supporting documents, including bank statements and payment records, to verify that the payments were made on time for the specified accounts. 
I understand the importance of accurate credit reporting and how it can impact my creditworthiness. I am confident that the correction of this misinformation will contribute to a more precise representation of my credit history. 
Please conduct a thorough investigation into the matter and update my credit report accordingly. I kindly request that you provide written confirmation of the corrections made within 30 days from the date of receipt of this 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 2024-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
Please note that the name on this collection account is my maiden name vs my current name. See attachment with maiden name on it. I would first like to state that this is not an acknowledgment of debt. I disputed and requested information and documentation of the said debt and have not received. Furthermore, the said debt which I again am not claiming is mine, would have reached the statute of limitations for both XXXX where I lived in XXXX  and XXXX where I reside as of XXXX They did not provide evidence of this debt and I had not heard back from them. Again, this is not an acknowledgement of the claimed debt, but if the debt was from XXXX as they claim, the statute of limitations in XXXX ( where I used to live ) is 4 years and would have expired in XXXX ( I. lived in XXXX till XXXX XXXX  ). If using XXXX statute of limitations, it is 6 years, which would be XXXX  Regardless under the Fair Debt Collection Practices Act this is illegal. Under the Fair Debt Collection Practices Act collection agencies must abide by the following federal mandates. The collection agency which is attempting to claim said debt as mine should be aware of the laws regarding attempting to collect on debts past the statue of limitations listed below. XXXX REVISED JUDICATURE ACT OF XXXX ( EXCERPT ) Act 236 of 1961 600.5807 Damages for breach of contract ; specific performance ; period of limitations ; bond ; deed ; mortgage ; surety bond ; appeal bond ; public obligations ; other actions. Sec. 5807. ( 9 ) The period of limitations is 6 years for an action to recover damages or money due for breach of contract. XXXX CIVIL PRACTICE AND REMEDIES CODE TITLE 2. TRIAL, JUDGMENT, AND APPEAL SUBTITLE B. TRIAL MATTERS CHAPTER 16. LIMITATIONS SUBCHAPTER A. LIMITATIONS OF PERSONAL ACTIONS Added by Acts 2005, 79th Leg., Ch . 97 ( S.B. 15 ), Sec. 4, eff. XXXX XXXX XXXX. Sec. 16.004. FOUR-YEAR LIMITATIONS PERIOD. ( a ) A person must bring suit on the following actions not later than four years after the day the cause of action accrues : ( 1 ) specific performance of a contract for the conveyance of real property ; ( 2 ) penalty or damages on the penal clause of a bond to convey real property ; ( 3 ) debt ; ( 4 ) fraud ; or ( 5 ) breach of fiduciary duty.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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:
discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report 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  Balance Owed : {$300000.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX  Balance Owed : {$0.00} ; XXXX XXXX XXXX  Balance Owed : {$2900.00} ; XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I was called by a so called student loan serviced who had access to my information. They then offered to consolidate my loans if I paid {$800.00} up front and then paid {$39.00} a month to lower my payments. Not a single dollar amount that I paid has been reduced from my student loan debt and the worse part is that they are still charging my bank account {$39.00} a month and it has been 3 years and I can not stop them from taking the money out of my bank account. The bank said they are unable to help me with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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: LA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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