vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-17 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:
As the victim of identity theft, I have taken the necessary steps to rectify the situation and restore the accuracy of my credit history. I question the validity of the verification process conducted by your bureau, especially when the other bureaus were able to identify and confirm the fraudulent nature of the accounts in question. 
XXXX XXXX XXXX PLEASE DELETE!!! XXXX and XXXX have already removed this account from their records. 
XXXX XXXX PLEASE DELETE!!! XXXX and XXXX have already removed this account from their records. 
As the victim of identity theft, I am entitled to accurate and fair reporting, as mandated by the law. The disparity between the responses of your bureau and other credit reporting agencies raises serious questions about compliance with legal requirements.

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 2024-01-17 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: Early Warning Services, LLC
State: VA

Complaint narrative:
Please Provide Consumer Report as well as submit an Opt Out Request to the following email with confirmation XXXX Per the FCRA as a federally protected consumer. I am now opting out of any and all authorizations that I the Consumer may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802. Effective immediately and indefinitely. 

BEST, XXXX XXXX XXXX Without prejudice, all natural inalienable rights reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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: VA

Complaint narrative:
Please Provide Consumer Report as well as submit an Opt Out Request to the following email with confirmation XXXX Per the FCRA as a federally protected consumer. I am now opting out of any and all authorizations that I the Consumer may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802. Effective immediately and indefinitely. 

BEST, XXXX XXXX XXXX Without prejudice, all natural inalienable rights reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Prince Parker & Associates
State: SC

Complaint narrative:
XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX South Carolina XXXX Prince Parker and Association Subject : Debt Verification Request for Account in the name of XXXX XXXX Tax Payer Number ending in XXXX XXXX XXXX XXXX XXXX Account Dear Prince Parker and Association I am writing to request verification of the debt associated with the account in the name of XXXX XXXX tax payer number XXXX, as listed on the consumer report. I have not authorized the inclusion of this information, and I have no record of doing business with your agency. 

In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), I request the following information to verify the legitimacy of the alleged debt : An official affidavit of debt pertaining to the account in question. 
A bill of sale confirming the transfer of this debt to your agency. 
Detailed accounting records showing the calculation of the owed amount. 
Documentation proving your ownership and purchase of this debt. 
Evidence establishing your agency as the original due holder in the course of this debt. 
Any contracts or agreements that bind me to this debt to you. 
Furthermore, I request access to my complete accounting records from the time the account was opened until now showing I owe you. This is essential to verify the accuracy and validity of the claimed debt. 

Please provide the requested information within 30 days from the date of this letter. Failure to do so may result in legal action to protect my rights. 

Sincerely, XXXX ; XXXX registered owner of XXXX XXXX property of the 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 2024-01-17 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: PA

Complaint narrative:
I have called and emailed XXXX requesting correct and fair credit reporting for my student loan. They have not done so for all 3 credit bureaus. This is preventing me from getting a mortgage.

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 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have called and emailed XXXX requesting correct and fair credit reporting for my student loan. They have not done so for all 3 credit bureaus. This is preventing me from getting a mortgage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-17 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: PA

Complaint narrative:
I have called and emailed XXXX requesting correct and fair credit reporting for my student loan. They have not done so for all 3 credit bureaus. This is preventing me from getting a mortgage.

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 2024-01-17 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: ID Analytics, Inc.
State: VA

Complaint narrative:
Please Provide Consumer Report as well as submit an Opt Out Request to the following email with confirmation XXXX Per the FCRA as a federally protected consumer. I am now opting out of any and all authorizations that I the Consumer may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802. Effective immediately and indefinitely. 

BEST, XXXX XXXX XXXX Without prejudice, all natural inalienable rights reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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: NY

Complaint narrative:
I hope this letter finds you well. I am writing to bring to your attention an issue regarding the late payments that appear on my credit report. After reviewing my credit report, I have identified several instances of late payments that I believe are inaccurate. 
I understand the importance of maintaining accurate and up-to-date credit information, and I am committed to ensuring the correctness of my credit history. I kindly request your assistance in investigating and correcting these discrepancies as soon as possible. 
XXXX XXXX XXXX and XXXX XXXXXXXX I believe that these inaccuracies are impacting my credit score negatively, and I would like to request the removal or correction of the late payment information associated with the mentioned accounts. I have attached supporting documents, including payment receipts and statements, to substantiate my claim. 
Please provide me with written confirmation once the investigation is complete and the necessary corrections have been made to my credit report. I also request that you send an updated copy of my credit report reflecting the corrections to the address listed above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-17 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: NY

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), the reported information falls under the category of billing errors that must be promptly corrected. These include discrepancies between the purchase price and the billed amount, charges for undelivered products or services, mathematical errors, and entries requiring further clarification. I insist that you conduct a thorough investigation with the creditors involved, and you will undoubtedly discover the veracity of my claim. Once the error is confirmed, I demand the immediate removal of this egregious misinformation from my credit report. Furthermore, I require that this letter becomes a permanent fixture in my credit record. Any questions regarding my request or the disputed credit information should be directed to me without delay. I demand your immediate attention to the following gross inaccuracies : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$5700.00}.

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 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Approaching the XXXX mark from my anticipated monthly credit report update, I am becoming increasingly apprehensive about the prospect of Experian, XXXX, and XXXX taking lawful measures to rectify the errors present in my credit reports. Despite my persistent efforts to address this matter from its inception until the present moment, there have been no discernible changes in the items I specifically requested for removal. It is imperative to reiterate that, in accordance with FCRA Section 605B ( a ), Credit Reporting Agencies are mandated to expeditiously remove any items identified by the consumer as resulting from alleged identity theft, no later than 4 business days after the date of receipt. I have conclusively identified these items as being linked to the aforementioned crime, and I earnestly implore you to proceed with the removal of these fraudulent entries : 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 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
Consumer complaint received 2024-01-17 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: CBC Companies, Inc.
State: VA

Complaint narrative:
Please Provide Consumer Report as well as submit an Opt Out Request to the following email with confirmation XXXX Per the FCRA as a federally protected consumer. I am now opting out of any and all authorizations that I the Consumer may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802. Effective immediately and indefinitely. 

BEST, XXXX XXXX XXXX Without prejudice, all natural inalienable rights reserved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-17 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I write to express my extreme dissatisfaction with the inaccurate and incomplete credit information that you are currently reporting under my name. It is distressing to discover such blatant errors in my credit profile, and it is evident that your operations lack reasonable procedures to ensure the maximum possible accuracy required by credit reporting laws. I demand an immediate and thorough investigation into the following information, as it is not only inaccurate but a serious violation of credit reporting standards. I insist on being provided with concrete proof of the alleged item, including the contract, note, or any other instrument bearing my signature. Failing to produce such evidence, I demand the swift deletion of the following misleading entry from my credit report : XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}. This inaccurate and incomplete reporting is not only damaging to my financial standing but is a clear violation of the laws governing credit reporting. I expect nothing less than the immediate removal of this erroneous information 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 2024-01-17 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: FL

Complaint narrative:
the company sent a letter to me stating the information is correct without sending me evidence

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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: GA

Complaint narrative:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-17 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: CBC Companies, Inc.
State: FL

Complaint narrative:
Company did not remove the accounts. 
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 response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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: KY

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX CARXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/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 2024-01-17 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: KY

Complaint narrative:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
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
Consumer complaint received 2024-01-17 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is the XXXX complaint I have filed against them, and every time I get the same ridiculous response. They make some absurd claim that the documents I have submitted are not valid. It is beyond frustrating and disheartening to see that TransUnion is failing to comply with their legal requirement to process the identity theft report. I am writing to express my extreme frustration with the lack of action from TransUnion regarding the inaccuracies on my credit report. Despite doing everything by the book with disputing these accounts, I have received nothing but stonewalling and excuses from TransUnion. I have contacted the bank, law enforcement agency, and filed a report and affidavit, but TransUnion seems to be the only agency that is not following the legal requirements. Both XXXX and XXXX have removed the accounts per legal requirement, but for some inexplicable reason, TransUnion feels I am not following all the steps. I demand that the CFPB honestly look closely at this case because it seems that TransUnion is neglecting their responsibility to process the identity theft report. I have filed it with a law enforcement agency, and XXXX is a federal law enforcement agency. XXXX XXXX, XXXX XXXX, XXXX XXXX, and 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 2024-01-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
My information was sold and bought illegally because I was a victim of the Equifax Data Breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I do not owe these people yet they have tried to get money from me that is not owed to them. They have taken me to court XX/XX/XXXX and are still trying to get what is not owed to them. XX/XX/XXXX they tried to garnish my pay in which I no longer work at the establishment. On XX/XX/XXXX they assumed that I worked at another company and decided to send them garnishment papers in which I no longer work there either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-17 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:
This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not. [ XXXX XXXX Account XXXX XXXX ] I also respectfully request to be provided specific proof that these alleged late payments were in fact late. It is my understanding that you must verify these items with the reporting creditor for accurate. If they are unable to provide that proof, or if lacking proof of these payments being late, please update my payment history to PAANL status ( Pay As Agreed, Never Late ) according to consumer protection laws.

I also request that you send the description of the specific procedure you use to determine the accuracy and completeness of the information. 

Thank you for your time and help in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-17 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:
This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not. [ XXXX XXXX Account XXXX XXXX ] I also respectfully request to be provided specific proof that these alleged late payments were in fact late. It is my understanding that you must verify these items with the reporting creditor for accurate. If they are unable to provide that proof, or if lacking proof of these payments being late, please update my payment history to PAANL status ( Pay As Agreed, Never Late ) according to consumer protection laws. 

I also request that you send the description of the specific procedure you use to determine the accuracy and completeness of the information. 

Thank you for your time and help in 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