vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-05 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:
am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
My credit report is showing seven bankruptcies these bankruptcies does not belong to me and never filed bankruptcy please delete

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 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
My credit report is showing seven bankruptcies these bankruptcies does not belong to me and never filed bankruptcy please delete

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: NC

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 non-monetary relief
Consumer complaint received 2024-12-05 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: NC

Complaint narrative:
I did not consent to my personal information being shared with any third-party debt collectors or any other external parties. I was under the assumption that my information would remain secure and private, as per the terms outlined in their privacy policy. The fact that my details were sold or shared without my explicit consent is a breach of my privacy and trust.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX SSN : XXXX XXXX : XXXX Phone Number : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX TransUnion Dispute Department XXXX XXXX XXXX XXXXXXXX, PA XXXX Subject : Request for Detailed Breakdown of Updates Made to Account [ XXXXXXXX XXXX XXXX XXXXXXXX ] Dear TransUnion Dispute Department, I recently submitted a dispute regarding the account referenced above. In response to my complaint, I was informed that the account had been updated. However, the response did not provide details on what specific changes were made to the account information. 

To better understand the resolution, I am requesting a detailed breakdown of the updates made, including but not limited to : 1. Changes to the reported balance.

2. Adjustments to the payment history.

3. Updates to the account status ( e.g., disputed by consumer, closed, or any other changes ).

4. Any corrections or modifications to the remarks or comments section of the account. 

Please provide a detailed explanation of the updates, along with supporting documentation, if applicable. If the updates were insufficient to address the inaccuracies outlined in my original dispute, I request further investigation and corrective action. 

I look forward to receiving a response within 15 days as required by the Fair Credit Reporting Act ( FCRA ). Please send your response to the address above or via email at XXXX Thank you for your attention to this matter. 

Sincerely,

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 2024-12-05 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 am writing to formally dispute the inaccurate personal information listed on my credit report, as per my rights under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) and 607 ( b ) ( 15 U.S.C. 1681e ( b ) ). This incorrect information includes wrong addresse that I have never been associated with. Below are the specific details of the inaccuracies that need to be corrected. Inaccurate Information : XXXX. Wrong Addresses : - Incorrect Address # XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX fl 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 2024-12-05 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 am writing to formally dispute the inaccurate personal information listed on my credit report, as per my rights under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) and 607 ( b ) ( 15 U.S.C. 1681e ( b ) ). This incorrect information includes wrong addresse that I have never been associated with. Below are the specific details of the inaccuracies that need to be corrected. Inaccurate Information : 1. Wrong Addresses : - Incorrect Address # XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX fl 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 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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: FL

Complaint narrative:
XX/XX/year> Subject : Formal Dispute Regarding Inaccurate Late Payment Reporting on XXXX XXXX Account To Whom It May Concern : I am writing to formally dispute an inaccurate late payment reported on my credit file maintained by TransUnion for my XXXX XXXX account. This error is causing significant harm to my creditworthiness, and I request your immediate attention to resolve this matter. 
Nature of the Complaint : Inaccurate Reporting : A 30-day late payment is listed for XX/XX/year>. However, I have consistently made payments on time, as confirmed by my autopay enrollment records. This late payment is incorrect and does not accurately reflect my payment history. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting violates 15 U.S. Code 1681i and 1681s-2, which mandate the accurate reporting and timely correction of errors in consumer credit files.

Civil Liability for Noncompliance : As outlined in 15 U.S.C. 1681n and 1681o, willful and negligent noncompliance with the FCRA may result in actual damages, attorneys fees, and possible punitive damages.

Account Details ( TransUnion ) : Account Number : XXXX High Balance : {$20000.00} Last Verified : XX/XX/year> Date of Last Activity : XX/XX/year> Date Reported : XX/XX/year> Date Opened : XX/XX/year> Balance Owed : {$19000.00} Account Status : Open Payment Status : Current Past Due Amount : {$0.00} Account Type : Auto Lease Two-Year Payment History : XX/XX/year> : 30-day late payment ( erroneous ).

Requested Resolution : I request that TransUnion investigate this error thoroughly, remove the inaccurate 30-day late payment for XX/XX/year> from my credit file, and update the record to accurately reflect my history of on-time payments. 
Please confirm the resolution of this dispute in writing within 30 days, as required under the FCRA. If the issue is not resolved promptly, I may pursue further action to protect my rights as a consumer.

Thank you for your immediate attention to this matter. 
Sincerely, 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 2024-12-05 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: FL

Complaint narrative:
XX/XX/year> Subject : Formal Dispute Regarding Inaccurate Late Payment Reporting on XXXX XXXX Account To Whom It May Concern : I am writing to formally dispute an inaccurate late payment reported on my credit file maintained by TransUnion for my XXXX XXXX account. This error is causing significant harm to my creditworthiness, and I request your immediate attention to resolve this matter. 
Nature of the Complaint : Inaccurate Reporting : A 30-day late payment is listed for XX/XX/year>. However, I have consistently made payments on time, as confirmed by my autopay enrollment records. This late payment is incorrect and does not accurately reflect my payment history.

Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting violates 15 U.S. Code 1681i and 1681s-2, which mandate the accurate reporting and timely correction of errors in consumer credit files.

Civil Liability for Noncompliance : As outlined in 15 U.S.C. 1681n and 1681o, willful and negligent noncompliance with the FCRA may result in actual damages, attorneys fees, and possible punitive damages. 
Account Details ( TransUnion ) : Account Number : XXXX High Balance : {$20000.00} Last Verified : XX/XX/year> Date of Last Activity : XX/XX/year> Date Reported : XX/XX/year> Date Opened : XX/XX/year> Balance Owed : {$19000.00} Account Status : Open Payment Status : Current Past Due Amount : {$0.00} Account Type : Auto Lease Two-Year Payment History : XX/XX/year> : XXXX late payment ( erroneous ). 
Requested Resolution : I request that TransUnion investigate this error thoroughly, remove the inaccurate XXXX late payment for XX/XX/year> from my credit file, and update the record to accurately reflect my history of on-time payments. 
Please confirm the resolution of this dispute in writing within 30 days, as required under the FCRA. If the issue is not resolved promptly, I may pursue further action to protect my rights as a consumer. 
Thank you for your immediate attention to this matter. 
Sincerely, 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 2024-12-05 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: NJ

Complaint narrative:
Recently, I disputed an account reported by XXXX XXXX XXXX on my XXXX credit report. After a thorough investigation, XXXX deemed the debt unverifiable and deleted the account from my credit report in XX/XX/year>. 

Under the Fair Credit Reporting Act ( FCRA ), all information furnished to consumer reporting agencies must be accurate, fair, and verifiable. The deletion of this account by XXXX confirms its unverifiability and obligates other credit reporting agencies to remove the same erroneous information from their records. 

Additionally, XXXX XXXX XXXX has violated the Fair Debt Collection Practices Act ( FDCPA ) by reporting an alleged debt without proper validation, as required under Regulation F and other applicable laws. This act of " parking '' a debt on my credit report without my authorization has caused significant harm to my creditworthiness and financial reputation. 

I have also filed a complaint with the Federal Trade Commission ( FTC ) regarding these violations. I request the immediate deletion of this account from all remaining credit reporting agencies and confirmation of the correction within 30 days. Failure to comply will leave me no choice but to pursue legal action to protect my rights under the FCRA and FDCPA.

attached can be foun two the FTC complaint, proof of address, validation of debt letter, social security card, my ID, snippet of the account deletion from experian, and a letter about the account deletion on experian.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: LA

Complaint narrative:
Ally Bank submitted fraudulent information to XXXX XXXX after I left their company in order to retaliate, harass and intimidate me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: KS

Complaint narrative:
XXXX promised me a refund for a phone after I cancelled a transaction. I never got the phone. The refund never came. XXXX started sending me bills and I didnt pay since it isnt my debt and I didnt get a phone. Then a collections agency started trying to collect money that I dont owe on a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: SC

Complaint narrative:
Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), I am requesting that XXXX, as a credit reporting agency, immediately block the following fraudulent information from my consumer credit report within 4 business days of receiving this complaint : XXXX XXXX XXXX  Account Number : XXXX {$1200.00} XXXXXXXX XXXX XXXX  XXXX Account XXXX : XXXX {$1000.00} XXXX XXXX  Account Number : XXXX {$48000.00} XXXX XXXXXXXX XXXX Account XXXX : XXXX {$6200.00} These accounts, along with associated hard inquiries and collections, are the result of identity theft and fraud. I have attached a copy of my consumer FICO credit report from XXXX, which clearly shows these fraudulent items. Additionally, I have included a list of the fraudulent hard inquiries and a copy of my FTC Identity Theft Complaint # XXXX as evidence. 

I request that you take immediate action to remove this inaccurate and harmful 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 2024-12-05 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:
Subject : Complaint Against XXXX for Refusal to Update Personal Information Dear CFPB, I am filing a formal complaint against XXXX, Equifax, and XXXX for their refusal to update my personal information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 
Details of the Issue : Date of Initial Request : XX/XX/year> Documents Submitted : Personal information update letter, driver 's license, Social Security card, and utility bill ( notarized ) Response from XXXX : XX/XX/year>, stating my request could not be processed due to missing government ID ( which was, in fact, included ). 
Violation of Rights : XXXX 's refusal to update my information is a direct violation of 15 USC 1681 ( a ) ( 4 ). The FCRA mandates that consumer reporting agencies must handle their responsibilities with fairness, impartiality, and respect for consumer privacy. By not properly reviewing the provided documentation, XXXX has failed to conduct a fair investigation, thus violating my consumer rights under : 15 U.S.C. 1681i : Procedure in case of disputed accuracy 15 U.S.C. 1681e ( b ) : Compliance procedures to ensure maximum possible accuracy

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
I do not owe this alleged debt. I have no agreement verbal or written with Genesis Credit Management LLC DBA Columbia Debt Recovery. For the last six months I have provided direct evidence of this false alleged collection. They are claiming I owe XXXX, XXXX. I have provided police reports, direct video evidence of illegal drugs and their breach of contract with witnesses. I also provided XXXX the name and number to the attorney I hired at that time. This dispute was previously resolved however they added it to my credit report after it was resolved. We have medical records from where my husband and daughter suffered recurrent XXXX attacks due to the illegal drug use by tenants at XXXX and managed knew and allowed it to continue after promising they would resolve the issue stating they were a smoke free complex. Their security guard and receptionist both were notified multiple times of the unbearable conditions. I can send copies of video footage, pictures, and emails from management if needed. We are ready and willing to move forward with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: IN

Complaint narrative:
The items listed below are reported on my credit file and were found in my reports with credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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 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 XXXXXX/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 explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
Midland Credit Management called verified who I was, and then I asked what the debt was for, and the representative kept saying Midland Credit Management, without details. Then my credit score dropped XXXX points.

Company response to consumer: Closed with explanation