vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-26 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: NY

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX # XXXX Account name : XXXX # XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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: MD

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 explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS)
State: MS

Complaint narrative:
I XXXX XXXX is a victim of identity theft. THE ACCOUNTS DO NOT BELONG TO ME AND WERE UNAUTHORIZED. I ALSO WAS AFFECTED BY XXXX XXXX XXXX. MY PERSONAL INFORMATION WAS LINK ON DARK WEB

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: FL

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I am filing a formal complaint regarding the inaccurate reporting of the account # XXXX on my credit report. Despite providing clear evidence in my previous correspondence, you failed to correct the reporting errors and instead responded with generic information. This account is being reported incorrectly, showing a credit limit and past due balance on a charged-off account, which is inaccurate as charged-off accounts are closed. These errors are harming my credit and preventing me from securing credit opportunities. I am requesting that this account be deleted from all credit reports immediately. If this issue is not resolved, I am prepared to escalate the matter by filing complaints with the XXXX XXXX XXXX, the Attorney Generals office, and the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
There are unauthorized inquiries on my credit report violating 15 USC 1681c-2. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: American First Finance, Inc.
State: IL

Complaint narrative:
am filing this complaint against American First Finance regarding inaccuracies in the reporting of a charged-off account ( [ Account Number : XXXX ] ) on my credit file. The account is reported as charged off with a balance of {$2100.00}, and there are significant discrepancies in the high balance history. 

Details of the Dispute : Charge-Off : The account is listed as charged off with a balance of {$2100.00}. 
I requested validation of the charge-off, including a breakdown of fees, payments, and account history, but no documentation was provided. 
Balance Discrepancies : The high balance history on the account shows inconsistencies, particularly between XX/XX/XXXX and XX/XX/XXXX, which I believe are inaccurate. 
I requested clarification and detailed records explaining these discrepancies, but American First Finance has not responded. 
Violation of Consumer Laws : Under 15 U.S.C. 1681i ( a ), I have the right to dispute incomplete or inaccurate information, and the furnisher is required to conduct a reinvestigation.

Under 15 U.S.C. 1666, creditors must resolve billing errors and provide a full explanation of any discrepancies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: NY

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

Please delete the following accounts : XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$11000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
I am writing to formally dispute a fraudulent debt listed on my credit report, which has been reported by Portfolio Recovery Associates. I only became aware of this issue upon reviewing my credit report, as I did not receive any prior documentation from Portfolio Recovery Associates indicating that they intended to collect on this debt. 

It is my understanding that I should have been provided with initial information regarding the debt, including the opportunity to dispute its validity before it was reported to credit agencies. This lack of communication constitutes a violation of my rights. 

Should this matter escalate to legal proceedings, I would like to ensure that I have the necessary documentation prepared to address these violations. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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: IL

Complaint narrative:
I am asking for your assistance regarding the incorrect account being listed on my credit report. This issue has hurt my reputation as a customer, and I need your help. These accounts are being reported inaccurately and negatively, and I want them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: GA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 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 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts XXXX. XXXX # XXXX XX/XX/XXXX XXXX. XXXX # XXXX XX/XX/XXXX XXXX. XXXX XXXX  XXXX # XXXX XX/XX/XXXX XXXX. XXXX XXXX  XXXX # XXXX XX/XX/XXXX XXXX. XXXX # XXXX XX/XX/XXXX XXXX. XXXX # XXXX XX/XX/XXXX XXXX. XXXX # XXXX XX/XX/XXXX Inquiries XXXX. XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report XXXX, hoping that you make a better decision in my situation, thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts XXXX. XXXX  # XXXX XX/XX/XXXX XXXX. XXXXXXXX # XXXX XX/XX/XXXX XXXX. XXXX XXXX  XXXX # XXXX XX/XX/XXXX XXXX. XXXX XXXX  XXXX # XXXX XX/XX/XXXX XXXX. XXXX # XXXX XX/XX/XXXX XXXX. XXXX # XXXX XX/XX/XXXX XXXX. XXXX # XXXX XX/XX/XXXX Inquiries XXXX. XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report XXXX, hoping that you make a better decision in my situation, thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 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: IL

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX  regarding inaccuracies in the reporting of a charged-off account ( [ Account Number : XXXX ] ) on my credit file. The account is reported with a charge-off amount of {$730.00} and multiple late payment entries ( 30, 60, and 90 days past due ), which are inaccurate and unverifiable. 

Details of the Dispute : Charge-Off : The account is marked as charged off with a balance of {$730.00}. 
I requested detailed validation of this charge-off, including a breakdown of the original balance, fees, and payments applied. No supporting documentation has been provided. 

Late Payments : The account includes late payment notations ( 30, 60, and 90 days past due ), which are inconsistent with my payment records. I requested validation of these entries, including billing statements and payment history, but received no response. 

Violation of Consumer Laws : Under 15 U.S.C. 1681e ( b ), furnishers are required to ensure the accuracy of the information they report to credit bureaus.

Under 15 U.S.C. 1681i ( a ), I am entitled to a reinvestigation of any disputed items.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 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: IL

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX  regarding inaccuracies in the reporting of a charged-off account ( [ Account Number : XXXX ] ) on my credit file. The account is reported with a charge-off amount of {$730.00} and multiple late payment entries ( 30, 60, and 90 days past due ), which are inaccurate and unverifiable.

Details of the Dispute : Charge-Off : The account is marked as charged off with a balance of {$730.00}.

I requested detailed validation of this charge-off, including a breakdown of the original balance, fees, and payments applied. No supporting documentation has been provided.

Late Payments : The account includes late payment notations ( 30, 60, and 90 days past due ), which are inconsistent with my payment records. I requested validation of these entries, including billing statements and payment history, but received no response.

Violation of Consumer Laws : Under 15 U.S.C. 1681e ( b ), furnishers are required to ensure the accuracy of the information they report to credit bureaus. 
Under 15 U.S.C. 1681i ( a ), I am entitled to a reinvestigation of any disputed items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 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: IL

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX  regarding inaccuracies in the reporting of a charged-off account ( [ Account Number : XXXX ] ) on my credit file. The account is reported with a charge-off amount of {$730.00} and multiple late payment entries ( 30, 60, and 90 days past due ), which are inaccurate and unverifiable.

Details of the Dispute : Charge-Off : The account is marked as charged off with a balance of {$730.00}.

I requested detailed validation of this charge-off, including a breakdown of the original balance, fees, and payments applied. No supporting documentation has been provided.

Late Payments : The account includes late payment notations ( 30, 60, and 90 days past due ), which are inconsistent with my payment records. I requested validation of these entries, including billing statements and payment history, but received no response.

Violation of Consumer Laws : Under 15 U.S.C. 1681e ( b ), furnishers are required to ensure the accuracy of the information they report to credit bureaus.

Under 15 U.S.C. 1681i ( a ), I am entitled to a reinvestigation of any disputed items.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: NY

Complaint narrative:
in accordance with the fair credit reporting act account XXXX, has violated my rights 15 U.S.C 1681 SECTION 602 A STATES I HAVE RIGHT TO PRIVACY.

15U.S.C 1681 SECTION 604 A SECTION 2, IT ALSO STATES A COMSUMER REPORTING AGENCY CAN NOT FURNISH An ACOUNT WITHOUT MY WRITEM INSTRUCTIONS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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: NY

Complaint narrative:
in accordance with the fair credit reporting act account XXXX, has violated my rights 15 U.S.C 1681 SECTION 602 A STATES I HAVE RIGHT TO PRIVACY.

15U.S.C 1681 SECTION 604 A SECTION 2, IT ALSO STATES A COMSUMER REPORTING AGENCY CAN NOT FURNISH An ACOUNT WITHOUT MY WRITEM INSTRUCTIONS.

Company response to consumer: Closed with non-monetary relief