vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an XXXX XXXX  assisting me due to XXXX XXXX XXXX XXXX  which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account number : XXXX Balance : {$1800.00} XXXX XXXX ( Original Creditor : 12 ACCOUNT SOLUTIONS FOR ACCOUNT ) Account number : XXXX Balance : {$2600.00}

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 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD 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 2024-11-04 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: PA

Complaint narrative:
I am writing to demand intermediate removal of fraudulent accounts listed in attachment from my credit report. Despite previous disputes and lack of verification provided, these accounts have reappeared on my credit report, Which is both unacceptable and violation of the Fair Credit Reporting act ( FCRA ). As Per the FCRA, credit reporting agencies are required to verify the accuracy of any disputed information and provide supporting documentation. To date I have received no proof that the listed accounts ( see attachment ) are valid, and I maintain these accounts are fraudulent, opened without my knowledge or consent. Please consider this my formal demand for removal of these accounts an investigation into how they were " verified '' without providing any documentation to me. Please provide me with a detailed explanation of the steps taken to " verify '' these accounts, including any documentation you received from the creditors claiming this debt is valid. Without proof of verification, these accounts must be removed immediately and permanently under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to demand intermediate removal of fraudulent accounts listed in attachment from my credit report. Despite previous disputes and lack of verification provided, these accounts have reappeared on my credit report, Which is both unacceptable and violation of the Fair Credit Reporting act ( FCRA ). As Per the FCRA, credit reporting agencies are required to verify the accuracy of any disputed information and provide supporting documentation. To date I have received no proof that the listed accounts ( see attachment ) are valid, and I maintain these accounts are fraudulent, opened without my knowledge or consent. Please consider this my formal demand for removal of these accounts an investigation into how they were " verified '' without providing any documentation to me. Please provide me with a detailed explanation of the steps taken to " verify '' these accounts, including any documentation you received from the creditors claiming this debt is valid. Without proof of verification, these accounts must be removed immediately and permanently under the FCRA.

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 2024-11-04 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: DE

Complaint narrative:
In accordance with the Fiar Credit Reporting act XXXX  account Account Name XXXX Account Number XXXX XXXX XXXX XXXX Account Name XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Name XXXX Account Number XXXX XXXX XXXX XXXX Account Name XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Name XXXX  Account Number XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX has violated my right 15 U.S, C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681section 604 A.section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction.

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 2024-11-04 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: DE

Complaint narrative:
In accordance with the Fiar Credit Reporting act XXXX  account Account Name XXXX Account Number XXXX XXXX XXXX XXXX Account Name XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Name XXXX Account Number XXXX XXXX XXXX XXXX Account Name XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Name XXXX  Account Number XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX has violated my right 15 U.S, C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681section 604 A.section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 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: CA

Complaint narrative:
I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

XXXX, XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX & XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Atlantic Recovery Solutions LLC
State: SC

Complaint narrative:
Between the dates of XXXX XXXX and XXXX XXXX of XXXX, I received XXXX calls on XX/XX/XXXX, XXXX and XX/XX/XXXX, and two calls a day on XX/XX/XXXX from Atlantic Recovery Solutions. The calls on XX/XX/XXXX were at XXXX, XXXX, and XXXX. On XX/XX/XXXX the calls were at XXXX, XXXX, and XXXX. On XX/XX/XXXX the calls were at XXXX, XXXX, and XXXX. On XX/XX/XXXX the calls were at XXXX and XXXX. On XX/XX/XXXX the calls were at XXXX, XXXX and XXXX. 

Voicemails were left on these calls, some that were near the end of a pre recorded message. 

I was previously coerced into a payment plan with ARS in XX/XX/XXXX after a threat for a lawsuit was made and my father was contacted by them in an attempt to locate me while I was at work. A payment was reversed before being debited from my account near the end of XX/XX/XXXX. My debit card was recently locked due to suspected fraud, and I am going to call Monday and see if it's in relation to dealing with ARS and find out why the payment wasn't drafted. 

The debt was initially to XXXX for a line of credit that went into collections some time prior to XXXX. 

The screenshots attached are of my call and voicemail logs taken on XX/XX/XXXX and my phone lists days instead of dates for the previous 7 days in my call history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
On XX/XX/year>, I visited XXXX XXXX XXXX for a consultation regarding XXXX treatment. During this appointment, I was presented with a laser treatment plan costing {$2200.00}. As I could not afford this amount, XXXX informed me about an interest-free payment plan through CareCredit. She instructed me to sign documents related to this plan, assuring me that I had the right to cancel after the consultation. 
Following a brief XXXX minute laser free consultation treatment, I experienced a severe breakout, which led me to decide against proceeding with the treatment. I immediately contacted XXXX and requested to cancel any arrangements. She confirmed the cancellation.However, to my shock, I later received a notice from CareCredit stating that an account had been opened in my name whcih shocked me because XXXX claimed she didnt recieve anything and that it was canceled. THIS IS COMPLETELY FRAUD, IM REQUESTING PROOF OF SERVICE AND A CONTRACT WITH MY SIGNATURE.

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 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX XXXX : {$0.00}

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 2024-11-04 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: OH

Complaint narrative:
I recently went over my credit report and noticed several entries on my credit report, which reflect closed, charged-off accounts with statements such as " Debt has been canceled by credit grantor. '' Upon reviewing my credit reports from XXXX, Experian, and XXXX, I have identified significant inaccuracies across multiple entries, including mismatched or incorrect dates for account opening, closing, and last activity. These discrepancies violate my rights under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 ] and, in some cases, raise concerns under the Fair Debt Collection Practices Act ( FDCPA ) [ 15 U.S.C. 1692 ].

Under my rights pursuant to the FCRA, I request that you : Conduct an immediate investigation into these accounts and provide written confirmation of their accuracy, including validation of all reported information. 

Correct any inaccuracies, including but not limited to : Consistent and accurate opening and closing dates. 
Consistent and accurate dates of last activity. 
Remove any unverifiable or inaccurately reported information from my credit report. 


Under my rights pursuant to the FDCPA, I request that you : If these accounts have been transferred to a third-party collection agency, I request validation of these debts under the FDCPA. Please provide : Documentation confirming that each debt was validly charged off and canceled by the original creditor. 
Clear information regarding the current status of these accounts. 

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 2024-11-04 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: GA

Complaint narrative:
XXXX XXXX XXXX, I am writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. I am disputing this debt because I do not owe it. Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. Finally, please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C.

1692 ( c ). Thank you for your attention to 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 explanation
Consumer complaint received 2024-11-04 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: CA

Complaint narrative:
Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the account, or inaccurate information, from my file immediately 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 2024-11-04 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:
Dear Transunion, I see it states to not list anything specific on here so I will just make a brief statement. The following accounts that is showing on my credit report doesn't belong to me, I never gave permission to open such accounts in my name. I would like for these items to be erase from my report because it doesn't belong to me. These items belongs to someone else.

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 2024-11-04 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: CA

Complaint narrative:
I recently filed a dispute with TransUnion about accounts that did not belong to me. After they completed the investigation they found accounts were found to belong to me. The investigation process is concerning because I reached out to the original creditor and requested for them me them to send me bank statements. The address on the bank statement is not my address. If you look at my drivers license, you can see the address is different from what's on the bank statements. Please remove these accounts as they do not belong to 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 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to file a formal complaint against TransUnion regarding their failure to address my reinvestigation request for the XXXX XXXX XXXX account on my credit report. On XX/XX/year>, I sent a certified letter to TransUnion requesting a reinvestigation of this account, which included all necessary documentation verifying my identity. In response on XX/XX/year>, I received a stall letter from TransUnion stating that they do not believe the letter was sent by me, despite having included all identifying documents as instructed. This response is wholly inadequate and dismissive of my rights under the Fair Credit Reporting Act ( FCRA ). I have taken all steps to properly authenticate my request, providing clear identification, proof of my address, and any other information TransUnion might need to confirm my identity. I am formally requesting that TransUnion complete the reinvestigation I requested, as they are legally required to do. Furthermore, I demand that TransUnion provide me with a comprehensive report of all findings, actions taken, and any updated information on this account. Please be advised : If TransUnion sends me another stall letter or fails to take action on my certified request for reinvestigation, I intend to take legal action. This noncompliance and delay tactic violates my rights and disregards the obligations TransUnion holds under federal law. Thank you for your prompt attention to 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 2024-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ

Complaint narrative:
Dear CFPB, Reference : XXXX - XXXX XXXX XXXXXXXX Carrington MTG I am writing to formally address an issue I have encountered with Carrington Mortgage, a lending company that has placed an invalid negative note on my credit report. On XX/XX/year> I made my mortgage payment {$1700.00} through Carrington XXXX Pay application, Following day on XX/XX/year> Carrington Mortgage removed this application and announce launch of new app..

Two months later I found out that my payment never went through, I have history of 15 years of loan payment with never missed payment This action appears to be a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 ( 5 ) and 15 USC 1692c.

Despite my repeated attempts to resolve this matterthrough multiple phone calls and emails beginning in the month od XX/XX/year> when I noticed change on my credit report Carrington MTG has failed to remove the inaccurate information from my credit report. This has caused significant distress and adversely affected my credit score.

Please review attached email correspondence with Carrington MTG I kindly request that the CFPB investigate this matter as I believe my rights under the FCRA have been violated. I have attached copies of my correspondence with Carrington MTG and my credit report showing the disputed collection for your reference. 

Thank you for your attention to this serious issue. I look forward to your prompt response. 
Sincerely, XXXX XXXX [ Attachments : Correspondence Carrington MTG ]

Company response to consumer: Closed with explanation