vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-13 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: DE

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX Balance Owed : {$840.00} XXXX XXXX Balance Owed : {$8.00} XXXX  XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX Balance Owed : {$8.00} XXXX XXXX XX/XX/year> 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 2024-08-13 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: DE

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX Balance Owed : {$840.00} XXXX XXXX Balance Owed : {$8.00} XXXX  XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX Balance Owed : {$8.00} XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Management Holdings, LLC
State: FL

Complaint narrative:
In XXXX my credit was flagged for collection by a company called XXXX XXXX XXXX, on XX/XX/XXXX i spoke to XXXX from XXXX XXXX XXXX and had a 3 way call with XXXX at the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, that XXXX XXXX XXXX was collecting for ( XXXX XXXX who had flagged my credit for collection, XXXX explained that the Charge had been covered 100 % by their XXXX XXXX XXXX XXXX XXXX said that they would remove the collection on my account. Then on XX/XX/XXXX my account was flagged for collections again loosing XXXX XXXX to my credit score, this time it is a company called Credit Management Company, caller id appears as XXXX XXXX XXXX I spoke to a woman who's name/email is XXXX, They are collecting on the same XXXX XXXX XXXX account XXXX XXXX XXXX charges ) that were paid for 100 % by the XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. Something is very wrong with this and my credit is suffering badly and I am not at fault. XXXX was suppose to close the account on XX/XX/XXXX and now it seems like more collections keep flagging my credit on the same account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion is reporting an unauthorized inquiry onto my credit report. I have requested for the inquiry to be removed. I have no business or have not applied for any business with the inquiry ( XXXX XXXX ) in question. Therefore, the inquiry was unauthorized and requires immediate removal from my credit profile

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 2024-08-13 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-08-13 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 help with the false information listed on my credit report. This situation has seriously damaged my reputation, and I need your intervention. The way my credit report was managed has brought me to a challenging place, and my reputation has been hurt because of your reporting errors. You need to correct these mistakes so I can move forward with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me.

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 2024-08-13 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: GA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me.

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 2024-08-13 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: VA

Complaint narrative:
I would like to dispute these inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a third party which is not true. I have attached my ID and letters to this complaint for your review. 

XXXX : XXXX XXXX, Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX {$11000.00} XX/XX/XXXX XXXX XXXX XXXXXXXX Account Number : XXXX {$210000.00} XX/XX/XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX {$120.00} XX/XX/XXXXXXXX XXXX  Account Number : XXXX {$4500.00} XX/XX/XXXX XXXX XXXX  Account Number : XXXX {$6800.00} XX/XX/XXXX XXXX XXXX Account XXXX : XXXX {$4400.00} XX/XX/XXXX XXXX : XXXX XXXX  XXXX Account XXXX : XXXX {$11000.00} XX/XX/XXXX XXXX  XXXX  XXXX Account Number : XXXX {$210000.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  Account Number : XXXX {$5800.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  Account Number : XXXX {$6400.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  Account Number : XXXX {$3900.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  Account Number : XXXX {$2000.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  Account Number : XXXX {$7600.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  Account Number : XXXX {$1400.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  Account Number : XXXX {$1100.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  Account Number : XXXX {$2600.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  Account Number : XXXX {$1700.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  Account Number : XXXX {$4200.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  Account Number : XXXX {$1400.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  Account Number : XXXX {$18000.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  Account Number : XXXX {$3200.00} XX/XX/XXXX XXXX XXXX  Account Number : XXXX {$6800.00} XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX Account Number : XXXX {$1800.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX {$5300.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$4400.00} XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) Account Number : XXXX {$4400.00} XX/XX/XXXX TransUnion : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX Account Number : XXXX {$4500.00} XX/XX/XXXX XXXX XXXX  Account Number : XXXX {$1800.00} XX/XX/XXXX XXXX XXXX  Account Number : XXXX {$5300.00} XX/XX/XXXX XXXX XXXX Account Number XXXX XXXX {$4400.00} 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 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I would like to dispute these inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a third party which is not true. I have attached my ID and letters to this complaint for your review. 

XXXX : XXXX XXXX, Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX {$11000.00} XX/XX/XXXX XXXX XXXX XXXX  Account Number : XXXX {$210000.00} XX/XX/XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX {$120.00} XX/XX/XXXX XXXX Account Number : XXXX {$4500.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$6800.00} XX/XX/XXXX XXXX XXXX Account XXXX : XXXX {$4400.00} XX/XX/XXXX Experian : XXXX XXXX  XXXX Account XXXX : XXXX {$11000.00} XX/XX/XXXX XXXX  XXXX  XXXX Account Number : XXXX {$210000.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  Account Number : XXXX {$5800.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  Account Number : XXXX {$6400.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  Account Number : XXXX {$3900.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  Account Number : XXXX {$2000.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  Account Number : XXXX {$7600.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  Account Number : XXXX {$1400.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  Account Number : XXXX {$1100.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  Account Number : XXXX {$2600.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  Account Number : XXXX {$1700.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  Account Number : XXXX {$4200.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  Account Number : XXXX {$1400.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  Account Number : XXXX {$18000.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  Account Number : XXXX {$3200.00} XX/XX/XXXX XXXX XXXX  Account Number : XXXX {$6800.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX {$1800.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX {$5300.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$4400.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX  ) Account Number : XXXX {$4400.00} XX/XX/XXXX XXXX : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX Account Number : XXXX {$4500.00} XX/XX/XXXX XXXX XXXX  Account Number : XXXX {$1800.00} XX/XX/XXXX XXXX XXXX  Account Number : XXXX {$5300.00} XX/XX/XXXX XXXX XXXX Account Number XXXX XXXX {$4400.00} 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 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have no connection to these inquiries or the creditors mentioned. I urgently ask that they be removed from my credit report. 
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/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 explanation
Consumer complaint received 2024-08-13 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:
My account with this XXXX XXXXXXXX is being reported late and i was never late! I have had exceptional payment history with this company 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 in MONTHS REPORTING LATE to be removed 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.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

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!

Delete the late payments from my consumer reports.

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 2024-08-13 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:
I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the accounts are even mine though your company claims to have verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

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 2024-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
Dear LVNV FUNDING LLC / Sir/Madam, I am writing to formally dispute two accounts listed on my credit report that I am not aware of. I request the immediate removal of these alleged debts from my credit report, as I believe them to be fraudulent. I have no knowledge of these accounts and have never entered into any contractual obligations with your company or the original creditor.

The reporting inaccuracies concerning these accounts violate both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). To resolve this matter expeditiously, I require the following documentation : Evidence of Authorization : Please provide proof of your authorization under 15 U.S.C. 1692 ( e ) and 15 U.S.C. 1692 ( f ) to handle this matter.

Legal Basis for Collection : I request the legal basis for the collection of these debts. 
State Authorization : Provide proof of your authorization to operate in my state. 
Proof of Debt : Submit evidence of the alleged debt, including any contracts or agreements bearing my signature.

Complete Account History : I request a full account history, including all collection-related charges.

I am also formally filing a complaint, citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand the immediate cessation of all communication and collection activities related to these accounts. Furthermore, under 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions.

Your actions have infringed upon my rights under the following sections of the FDCPA : 1692d : Harassment or abuse in connection with debt collection.

1692e : Use of false, deceptive, or misleading representations.

1692g ( b ) : Failure to properly disclose my rights.

1692f : Use of unfair or unconscionable means to collect a debt.

I request the immediate deletion of these disputed accounts from all credit reporting agencies due to their unrecognized status and the absence of any contractual obligations. Your prompt attention to this matter is appreciated. Failure to comply may result in further legal action to protect my rights and interests. According to the provisions under the FCRA and FDCPA, I demand that these items be deleted from all three major credit bureaus as soon as possible. 

In a good faith effort to resolve this matter amicably, I insist on proof of these debts, specifically the alleged contracts or other instruments bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must DELETE any erroneous reports of these past debts from my credit report. 

Thank you for your immediate attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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. The Account below has violated my federally protected consumer under 15 USC 1681. 

Account name : XXXX XXXXXXXX, Account Number : XXXX Has Violated My Rights. 

15 U.S.C. 1681 Section 602 A, States I have the right to privacy.

15 U.S.C.1681 Section 604 A section 2, states a consumer reporting agency can not furnish an account without my written instructions furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions and crimes which antedates the report by 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall nui 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 non-monetary relief