vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-24 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: IA

Complaint narrative:
To the Consumer Financial Protection Bureau ( CFPB ), The following accounts listed on my credit report have violated my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically my right to privacy and confidentiality as outlined in 15 U.S.C 1681. These accounts were reported without my consent, and they violate multiple sections of the FCRA : List of Accounts Violating My Rights : XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX Violation : Unauthorized reporting. 
XXXX. XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX Violation : Unauthorized reporting, inaccurate credit usage. 
XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX Violation : Unauthorized reporting. 
XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Violation : Unauthorized reporting. 
XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX Violation : Late payment inaccurately reported. 
XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX  Violation : Inaccurate balance reporting. 
XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX Account Number : XXXX XXXX  Violation : Unauthorized collection reporting. 
XXXX. XXXX XXXX ( XXXX XXXX XXXX XXXX ) XXXX Account Number : XXXX XXXX Violation : Unauthorized reporting. 
XXXX. XXXX XXXX XXXX ( XXXX XXXX XXXX  ) XXXX Account Number : XXXX XXXX Violation : Unauthorized collection reporting. 
________________________________________ These accounts violate 15 U.S.C 1681 as follows : 15 U.S.C 1681 Section 602 ( A ) - My right to privacy was violated by these unauthorized reports.

15 U.S.C 1681c ( a ) ( 5 ) - Adverse information more than seven years old is being reported.

15 U.S.C 1681s-2 ( A ) ( 1 ) - These accounts were reported with inaccurate or unauthorized information.

Please address this issue by taking immediate action to correct these violations.

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 2024-10-24 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: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-10-24 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: AZ

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following inaccurate and fraudulent accounts that have been reported on my credit file. I am not requesting a reinvestigation at this time, but rather a deletion of these accounts from my credit report. Failure to do so will result in my exercising my right to seek legal action and defend my rights in court, as provided under the Fair Credit Reporting Act ( FCRA ) and other relevant laws. Below are the accounts in question : XXXX XXXX XXXX XXXX, Account # : XXXX, Balance : {$830.00} I have contacted the collection agency and filed a complaint with the CFPB, yet the agency has failed to respond. I question how your agency was able to verify this account. This account is fraudulent and must be removed immediately. 
XXXX. XXXX XXXX XXXX, Account # : XXXX, Amount : {$960.00} This is a medical account, and I have no knowledge of this debt. Reporting this account violates both the FDCPA and HIPAA regulations. Remove this immediately, as I will not file a third dispute. 
XXXX. XXXX, Account # : XXXX, Balance : {$20000.00} I have filed a complaint with the CFPB, and a lawsuit has been filed against the company. You claim to have verified this debt, but I have never received any documentation or proof. Remove this account from my credit report immediately. 
XXXX. XXXX, Account # : XXXX, Balance : XXXX XXXX  This account violates 15 U.S.C. 1681i ( 7 ) ( Method of Verification ) as it was reported without valid documentation. I demand that this account be deleted immediately from my credit report. 
XXXX. XXXX, Account # : XXXX, Balance : {$1400.00} I have never owned a credit card with XXXX XXXX. If you can not provide proper documentation verifying the legitimacy of this account, it must be deleted immediately.

Please ensure that these accounts are removed from my credit report and provide me with written confirmation once the deletions are complete. Failure to do so will result in further legal action. I trust that you will handle this matter with the seriousness it deserves to ensure compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 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: AZ

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following inaccurate and fraudulent accounts that have been reported on my credit file. I am not requesting a reinvestigation at this time, but rather a deletion of these accounts from my credit report. Failure to do so will result in my exercising my right to seek legal action and defend my rights in court, as provided under the Fair Credit Reporting Act ( FCRA ) and other relevant laws. Below are the accounts in question : XXXX XXXX XXXX XXXX, Account # : XXXX, Balance : {$830.00} I have contacted the collection agency and filed a complaint with the CFPB, yet the agency has failed to respond. I question how your agency was able to verify this account. This account is fraudulent and must be removed immediately. 
XXXX. XXXX XXXX XXXX, Account # : XXXX, Amount : {$960.00} This is a medical account, and I have no knowledge of this debt. Reporting this account violates both the FDCPA and HIPAA regulations. Remove this immediately, as I will not file a third dispute. 
XXXX. XXXX, Account # : XXXX, Balance : {$20000.00} I have filed a complaint with the CFPB, and a lawsuit has been filed against the company. You claim to have verified this debt, but I have never received any documentation or proof. Remove this account from my credit report immediately. 
XXXX. XXXX, Account # : XXXX, Balance : XXXX XXXX This account violates 15 U.S.C. 1681i ( 7 ) ( Method of Verification ) as it was reported without valid documentation. I demand that this account be deleted immediately from my credit report. 
XXXX. XXXX, Account # : XXXX, Balance : {$1400.00} I have never owned a credit card with XXXXXXXX XXXX. If you can not provide proper documentation verifying the legitimacy of this account, it must be deleted immediately. 
Please ensure that these accounts are removed from my credit report and provide me with written confirmation once the deletions are complete. Failure to do so will result in further legal action. I trust that you will handle this matter with the seriousness it deserves to ensure compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Account Management Services, Inc.
State: CA

Complaint narrative:
I believe the account is invalid. ACCOUNT MANAGEMENT SERVICES needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. 

ACCOUNT MANAGEMENT SERVICES 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 2024-10-24 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: VA

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 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 non-monetary relief
Consumer complaint received 2024-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
The account is invalid COLUMBIA DEBT RECOVERY LLC needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. 
If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. COLUMBIA DEBT RECOVE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

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 2024-10-24 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:
Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. 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 ( s ), 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 THESE ACCOUNTS? 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 accounts, or inaccurate information, from my file immediately 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
Consumer complaint received 2024-10-24 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. 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 have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the inquiries listed IMMEDIATELY.

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 2024-10-24 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
Initial Reporting ( Dates and Companies ) : On [ specific date ], I reviewed my credit report and discovered several unauthorized accounts reported by various companies, including XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX 
The accounts listed were reported without my consent and contain inaccurate information. 
Unauthorized Accounts : XXXX XXXX : Reported without my consent. 
XXXXXXXX XXXX XXXX : Reported without my consent and inaccurately reflected my credit usage. 
XXXXXXXX XXXX  : Reported without my consent. 
XXXX : Reported without my consent. 
XXXX XXXX XXXX : Reported with an inaccurately stated late payment. 
XXXX : Reported with an inaccurate balance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : Reported as an unauthorized collection. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Reported without my consent. 
XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ) : Reported as an unauthorized collection. 
Actions Taken : On [ specific date ], I contacted each company to dispute the unauthorized reporting and inaccurate information. I requested verification of the accounts and submitted evidence of my claims. 
I also filed a dispute with the credit reporting agency on [ specific date ] and provided them with documentation to support my claims. 
Response from Companies : As of [ specific date ], I received no satisfactory response or resolution from the companies involved regarding the unauthorized reporting or the inaccuracies on my credit report. 
Financial Impact : Due to these unauthorized reports, I faced potential financial repercussions, including denied credit applications and higher interest rates.

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 2024-10-24 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: FL

Complaint narrative:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct those accounts immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 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 victim of identity theft. 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 :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 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 take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 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: FL

Complaint narrative:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct those accounts immediately.

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