vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-23 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:
In XX/XX/year>, I sent a certified letter to the Credit Bureau disputing a debt account reported by XXXX XXXX ( original creditor : XXXX ) on my credit report. I specifically stated that the collection agency, XXXX XXXX, was unable to verify that I owed the debt. I requested that the Credit Bureau investigate and remove the account if it could not be verified. 

Despite my dispute, the Credit Bureau failed to accurately investigate and remove the unverified debt. 

In XX/XX/year>, I sent another letter to the Credit Bureau Name, reiterating my dispute and informing them that I would pursue legal action under the Fair Credit Reporting Act ( FCRA ) if they failed to correct the inaccurate information. I specifically requested that Credit Bureau provide documentation to verify the debt, but they failed to do so. 

Credit Bureau has continued to report the unverified debt on my credit report, despite my repeated requests for correction and my warnings of potential legal action.

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 2024-12-23 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: MI

Complaint narrative:
15 USC 1681 I want all items removed off my credit report, I'm a XXXX veteran XXXX XXXX and someone or something is using my social security number and or likeness to purchase items and or withdrawing monies.for the last 20 years.

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 2024-12-23 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: GA

Complaint narrative:
I am writing to express serious concerns regarding issues I have identified on my credit report. During my review, I discovered several inaccuracies, including incorrect account listings, unauthorized inquiries, inconsistent billing, and accounts that do not belong to me. These errors are affecting my financial stability, and I urgently need your assistance to resolve them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 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: PA

Complaint narrative:
In XX/XX/year>, I sent a certified letter to the Credit Bureau disputing a debt account reported by XXXX XXXX ( original creditor : XXXX ) on my credit report. I specifically stated that the collection agency, XXXX XXXX, was unable to verify that I owed the debt. I requested that the Credit Bureau investigate and remove the account if it could not be verified. 

Despite my dispute, the Credit Bureau failed to accurately investigate and remove the unverified debt. 

In XX/XX/year>, I sent another letter to the Credit Bureau Name, reiterating my dispute and informing them that I would pursue legal action under the Fair Credit Reporting Act ( FCRA ) if they failed to correct the inaccurate information. I specifically requested that Credit Bureau provide documentation to verify the debt, but they failed to do so. 

Credit Bureau has continued to report the unverified debt on my credit report, despite my repeated requests for correction and my warnings of potential legal action.

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 2024-12-23 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:
In XX/XX/year>, I sent a certified letter to the Credit Bureau disputing a debt account reported by XXXX XXXX ( original creditor : XXXX ) on my credit report. I specifically stated that the collection agency, XXXX XXXX, was unable to verify that I owed the debt. I requested that the Credit Bureau investigate and remove the account if it could not be verified. 

Despite my dispute, the Credit Bureau failed to accurately investigate and remove the unverified debt. 

In XX/XX/year>, I sent another letter to the Credit Bureau Name, reiterating my dispute and informing them that I would pursue legal action under the Fair Credit Reporting Act ( FCRA ) if they failed to correct the inaccurate information. I specifically requested that Credit Bureau provide documentation to verify the debt, but they failed to do so. 

Credit Bureau has continued to report the unverified debt on my credit report, despite my repeated requests for correction and my warnings of potential legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NC

Complaint narrative:
I file a complaint and get this complex in XXXX. It was a attorney general complaint. Ive also filed complaints with consumer finance. This company keeps reselling this debt to different debt collection companies and they call the harass me. Im following this complaint to have this removed from my credit and to have them stop having credit is calling harass me I did not live in this apartment in XX/XX/XXXX and my 60 day notice was not properly filed so they claim that I owe them for a month that I did not live there I have written letters to have this removed from my credit and when they remove it from my credit, the debt collectors just sell the debt to someone else

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: OH

Complaint narrative:
I am filing this formal complaint to dispute the reporting of a late payment by XXXX XXXX XXXX, Account Number : XXXX, on my credit report for XX/XX/year>. I believe this reporting violates my privacy and federal laws, and I am requesting the immediate removal of this late payment from my credit file for the following reasons : 1. Violation of 15 U.S.C. 1666b Under the Fair Credit Billing Act, 15 U.S.C. 1666b, late payment reporting must align with specific provisions and timelines to ensure accuracy and compliance. This provision ensures that no erroneous or unfair reporting takes place, particularly when it involves timing disputes or miscommunication. In this case, XXXX XXXX XXXX has reported a late payment without properly substantiating the legitimacy or circumstances of the report.

2. No Legal Obligation to Report Transactions There is no law requiring creditors to report any transaction or account activity to credit bureaus. Reporting such transactions, including alleged late payments, is a voluntary action by creditors. As such, I did not provide explicit consent to XXXX XXXX XXXX to report this information, and this action constitutes an invasion of my privacy. The reporting of this late payment, especially without my consent, is misleading and harmful to my creditworthiness. 

3. Violation of Privacy and Lack of Consent The reporting of my personal financial information, including late payments, without my explicit consent infringes upon my right to privacy. I did not authorize XXXX XXXX XXXX to share or report this information to credit bureaus, and such unauthorized reporting constitutes a breach of my rights as a consumer.

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 2024-12-23 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: OH

Complaint narrative:
I am filing this complaint to dispute the late payments reported by XXXXXXXX XXXX XXXX XXXX on my credit report for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I believe these entries are in violation of federal laws, including my rights under 15 U.S.C. 1666b, and request the immediate removal of these late payment records.

1. Violation of 15 U.S.C. 1666b Under 15 U.S.C. 1666b, a creditor is required to consider the timely receipt of payments if they are made in accordance with the creditors reasonable requirements. However, the reporting of these late payments raises concerns about whether the proper procedures were followed, including the correct application and processing of my payments. If the creditor can not provide proof that these payments were indeed late and processed correctly, I request the immediate removal of these entries.

2. No Law Requires Transactions to Be Reported There is no federal law mandating that any specific transaction, including late payments, must be reported to credit bureaus. Reporting is voluntary, and as such, I believe that the inclusion of these late payments on my credit report is unnecessary and unjustified, especially in the absence of my explicit consent. 

3. Violation of Privacy and Lack of Consent By reporting these late payments without my explicit consent, XXXX XXXX XXXX XXXX is violating my right to privacy. I have not authorized the sharing of this information with credit bureaus, and its presence on my credit report constitutes an overreach and infringement on my privacy rights.

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 2024-12-23 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: OH

Complaint narrative:
I am filing this complaint to dispute the late payments reported by XXXXXXXX XXXX XXXX XXXX on my credit report for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I believe these entries are in violation of federal laws, including my rights under 15 U.S.C. 1666b, and request the immediate removal of these late payment records.

1. Violation of 15 U.S.C. 1666b Under 15 U.S.C. 1666b, a creditor is required to consider the timely receipt of payments if they are made in accordance with the creditors reasonable requirements. However, the reporting of these late payments raises concerns about whether the proper procedures were followed, including the correct application and processing of my payments. If the creditor can not provide proof that these payments were indeed late and processed correctly, I request the immediate removal of these entries.

2. No Law Requires Transactions to Be Reported There is no federal law mandating that any specific transaction, including late payments, must be reported to credit bureaus. Reporting is voluntary, and as such, I believe that the inclusion of these late payments on my credit report is unnecessary and unjustified, especially in the absence of my explicit consent. 

3. Violation of Privacy and Lack of Consent By reporting these late payments without my explicit consent, XXXX XXXX XXXX XXXX is violating my right to privacy. I have not authorized the sharing of this information with credit bureaus, and its presence on my credit report constitutes an overreach and infringement on my privacy rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 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: CA

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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 2024-12-23 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: CA

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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 2024-12-23 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: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 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: GA

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 non-monetary relief
Consumer complaint received 2024-12-23 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: TX

Complaint narrative:
I have no affiliation with these creditors and did not initiate these inquiries. Kindly proceed to promptly remove them from 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 explanation
Consumer complaint received 2024-12-23 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: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-12-23 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: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from 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 2024-12-23 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: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 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: OH

Complaint narrative:
I am writing to formally dispute the reporting of late payments by XXXX XXXX, Account XXXX : XXXX, specifically for XX/XX/year>. I am requesting the immediate removal of these late payments from my credit report for the following reasons : 1. Violation of 15 U.S.C. 1666b Under 15 U.S.C. 1666b, creditors are required to allocate payments and credit accounts in a timely manner, ensuring accurate and fair reporting. The late payment reported by XXXX XXXX does not reflect this principle and appears to be an error. I request that the CFPB investigate this matter to ensure compliance with this statute.

2. No Legal Requirement to Report Transactions There is no law requiring creditors to report transactions, including late payments, to credit bureaus. The reporting of such information is voluntary, and the absence of my explicit consent to report this information raises concerns about my right to privacy.

3. Violation of My Privacy Rights XXXX XXXX reporting of my private financial data, including late payments, without my explicit consent constitutes a violation of my privacy. I have not provided authorization for my payment history or any related transactions to be shared with third-party credit reporting agencies. Reporting this information infringes upon my privacy and causes undue harm to my credit standing.

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 2024-12-23 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: OH

Complaint narrative:
I am writing to formally dispute the reporting of late payments by XXXX XXXX, Account XXXX : XXXX, specifically for XX/XX/year>. I am requesting the immediate removal of these late payments from my credit report for the following reasons : 1. Violation of 15 U.S.C. 1666b Under 15 U.S.C. 1666b, creditors are required to allocate payments and credit accounts in a timely manner, ensuring accurate and fair reporting. The late payment reported by XXXX XXXX does not reflect this principle and appears to be an error. I request that the CFPB investigate this matter to ensure compliance with this statute.

2. No Legal Requirement to Report Transactions There is no law requiring creditors to report transactions, including late payments, to credit bureaus. The reporting of such information is voluntary, and the absence of my explicit consent to report this information raises concerns about my right to privacy. 3. Violation of My Privacy Rights XXXX XXXX reporting of my private financial data, including late payments, without my explicit consent constitutes a violation of my priva
cy. I have not provided authorization for my payment history or any related transactions to be shared with third-party credit reporting agencies. Reporting this information infringes upon my privacy and causes undue harm to my credit standing.

Company response to consumer: Closed with non-monetary relief