vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-28 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate Under The fair credit reporting act states : According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S. Code 1681 ( b ) Accuracy of report 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. 15 U.S. Code 1681i - ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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. 15 U.S. Code 1681i - Procedure in case of disputed accuracy7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Please remove the following items from my credit report, immediately. XXXXXXXX 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 2024-10-28 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: SC

Complaint narrative:
I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: TN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 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: PA

Complaint narrative:
I am writing to formally request the blocking and deletion of the following credit inquiries from my credit report. I am a victim of a data breach, and pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am entitled to have these inquiries removed to protect my credit. 
The unauthorized inquiries are as follows : 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/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 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: FL

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 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: FL

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
During my tenancy at XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, CA XXXX ) from XX/XX/XXXX to XX/XX/XXXX, several unresolved issues caused significant hardship. Despite repeated formal communications, managementparticularly XXXX XXXX and XXXX XXXX to address my complaints adequately. 

Persistent Noise Complaints : I reported continuous noise disturbances throughout my stay. On XX/XX/XXXX, I informed management that I would withhold rent until the noise issue was resolved, but no action was taken. As a result, I incurred over {$20000.00} in expenses for noise insulation and medical treatment for XXXX, caused by the neglect of my concerns. 

Harassment and Discrimination : During my stay, I was subjected to XXXX XXXX  and discriminatory behavior by XXXX XXXX XXXX, including XXXX XXXX and XXXX XXXX. Despite the seriousness of these allegations, no remedial action was taken by XXXX XXXX management, violating both federal and state laws. 

Incorrect Billing and Unlawful Collections : XXXX XXXX forwarded an unjust charge of {$2800.00} to Fair Collections & Outsourcing ( XXXX ) despite my formal dispute. XXXX began collection activities without properly investigating the situation. I contested the bill on XX/XX/XXXX, but XXXX continued its collection attempts. 

Unresolved Dispute and Collection Offers : On XX/XX/XXXX, XXXX offered a XXXX XXXX discount on the disputed charge. On XX/XX/XXXX, they increased the discount to XXXX XXXX, requesting a payment of {$1700.00}. Then, on XX/XX/XXXX, XXXX offered a further XXXX XXXX discount. However, given the unresolved issues and misconduct, I contend that the appropriate amount owed is {$0.00}.

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 2024-10-28 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: SC

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 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: TX

Complaint narrative:
Demand for Exclusion of Transactions from Consumer Report Pursuant to FCRA, 15 U.S.C. 1666b To Whom It May Concern, I am writing to formally dispute the exclusion of specific transaction on my consumer report. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1666b, I demand the exclusion of the following transactions : XXXX - XXXX Under 15 U.S.C. 1666b, which establishes consumer rights concerning the reporting of disputed billing errors, it is explicitly required that consumers must be provided with all necessary disclosures as outlined in 15 U.S.C. 1637b. These disclosures are essential to ensure a consumer 's understanding of the terms and the extent of their obligations. Failure to provide these disclosures constitutes a clear violation of the FCRA and places an obligation on XXXX to exclude these disputed transactions from my report immediately.

It is well-established that the FCRA imposes a duty on consumer reporting agencies to maintain accurate and complete information. The failure to provide required disclosures directly violates my rights under the law and has been addressed in relevant court cases, such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), which affirmed that credit reporting agencies must take reasonable steps to ensure the accuracy of reported information, especially when consumer rights are at stake. Furthermore, in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX ), the court reiterated the consumer 's right to dispute and seek removal of incorrect or incomplete information in the absence of the required disclosures.

In light of these facts and the legal precedents set forth, I hereby demand the immediate exclusion of the aforementioned transactions from my consumer report. Failure to address this matter appropriately will leave me with no choice but to escalate this dispute, including but not limited to filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing further legal action to protect my rights.

I expect a response within 30 days of receipt of this letter, as mandated by federal law.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 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: TX

Complaint narrative:
Demand for Exclusion of Transactions from Consumer Report Pursuant to FCRA, 15 U.S.C. 1666b To Whom It May Concern, I am writing to formally dispute the exclusion of specific transaction on my consumer report. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1666b, I demand the exclusion of the following transactions : XXXX - XXXX Under 15 U.S.C. 1666b, which establishes consumer rights concerning the reporting of disputed billing errors, it is explicitly required that consumers must be provided with all necessary disclosures as outlined in 15 U.S.C. 1637b. These disclosures are essential to ensure a consumer 's understanding of the terms and the extent of their obligations. Failure to provide these disclosures constitutes a clear violation of the FCRA and places an obligation on XXXX to exclude these disputed transactions from my report immediately.

It is well-established that the FCRA imposes a duty on consumer reporting agencies to maintain accurate and complete information. The failure to provide required disclosures directly violates my rights under the law and has been addressed in relevant court cases, such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), which affirmed that credit reporting agencies must take reasonable steps to ensure the accuracy of reported information, especially when consumer rights are at stake. Furthermore, in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ), the court reiterated the consumer 's right to dispute and seek removal of incorrect or incomplete information in the absence of the required disclosures.

In light of these facts and the legal precedents set forth, I hereby demand the immediate exclusion of the aforementioned transactions from my consumer report. Failure to address this matter appropriately will leave me with no choice but to escalate this dispute, including but not limited to filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing further legal action to protect my rights.

I expect a response within 30 days of receipt of this letter, as mandated by federal law.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
Your agency has placed an unauthorized collection on my credit file without required notice. I dispute this debt 's accuracy and demand immediate validation as required by the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The unvalidated late payments remain on my credit record despite my written dispute submitted over 30 days ago. Your failure to respond or provide validation within the required timeframe violates federal consumer protection laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: IL

Complaint narrative:
Hello my name is XXXX XXXX XXXX and i am submitting this complaint without error or influence of any third party agency please see my attached documentation as it contains my request

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

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

Company 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