vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-03 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: AZ

Complaint narrative:
Subject : Dispute of XXXX XXXX XXXX XXXX XXXX Account Under FCRA To Whom It May Concern, I am writing to formally dispute the collection account reported on my TransUnion credit report by XXXX XXXX XXXX XXXX XXXX. According to the XXXX XXXX XXXX XXXX ( XXXX ), this company is not licensed to collect debts in the state of California. As such, this accounts reporting is inaccurate and should be permanently removed from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), TransUnionis required to follow reasonable procedures to ensure maximum possible accuracy in consumer reports. Reporting a collection account from an entity not authorized to operate in California constitutes a violation of this standard. Furthermore, under 15 USC 1681i ( a ) ( 1 ), I am entitled to dispute inaccurate information, and XXXX is obligated to investigate and correct or delete unverifiable data. 

Actions Requested : Proof of Licensing : Provide verifiable proof that XXXX XXXX XXXX XXXX XXXX is licensed to collect debts in California. 

Remove the Inaccurate Entry : If such proof can not be provided, permanently delete this collection account from my credit report. 

Provide Written Confirmation : Send me written confirmation of the accounts removal and an updated copy of my credit report reflecting the correction. 

I request that you complete your investigation and provide a response within the 30-day timeframe required under the FCRA. Should you fail to address this matter appropriately, I will escalate my concerns by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the California Attorney Generals office. 

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 2024-12-03 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: CA

Complaint narrative:
I am writing to express my concerns regarding several issues I have encountered with the credit bureau. These include inaccurate account listings, numerous unauthorized inquiries, incorrect credit reporting, billing errors, and accounts that do not belong to me. 

I am seeking assistance to address and resolve these matters to restore my financial security.

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 2024-12-03 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: CA

Complaint narrative:
I am writing to express my concerns regarding several issues I have encountered with the credit bureau. These include inaccurate account listings, numerous unauthorized inquiries, incorrect credit reporting, billing errors, and accounts that do not belong to me. 

I am seeking assistance to address and resolve these matters to restore my financial security.

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 2024-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
subject : Complaint Regarding Unfair Debt Collection Practices by Caine & Weiner ( Account Ending in XXXX ) Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Caine & Weiner, a third-party debt collection agency, for unfair debt collection practices and harassment related to an account ending in XXXX for the amount of {$390.00}. 



I have never had any affiliation, association, or prior dealings with this company, and I firmly dispute the validity of this account. Despite this, Caine & Weiner has continued to harass me with phone calls and has failed to remove this fraudulent account from my credit reports despite multiple requests. Their actions have negatively impacted my credit scores across all three major credit bureaus and violated my rights under federal law. 



Specifically, my complaints are as follows : 1. Unlawful Harassment : Caine & Weiner has repeatedly contacted me regarding this debt, even after I disputed the account and requested that they cease communication. This is a direct violation of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits harassment and abusive practices. 

2. Failure to Investigate and Remove Erroneous Information : I have submitted multiple requests for Caine & Weiner to validate the alleged debt and remove this account from my credit reports. To date, they have ignored my requests, leaving a negative mark on my credit history. 

3. Reporting of Inaccurate Information : The account in question is invalid, yet Caine & Weiner continues to report this debt to the credit bureaus, causing undue harm to my financial reputation. 



I request the CFPBs assistance in holding Caine & Weiner accountable for their unfair debt collection practices. Specifically, I ask that they : 1. Immediately cease all collection activities related to this account. 

2. Provide validation of the debt in compliance with federal law or, if they can not validate the debt, remove the account from my credit reports. 

3. Correct any inaccuracies on my credit reports and notify all three credit bureaus ( XXXX, XXXX, and XXXX ) of the error. 



I have taken all reasonable steps to resolve this matter directly with Caine & Weiner, but they have been uncooperative. Their actions are in clear violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ), and I believe regulatory intervention is necessary to resolve this issue. 



Thank you for your prompt attention to this matter. Please do not hesitate to contact me for further information or supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: MS

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer SSN : XXXX, Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an account opened at XXXX XXXX  on XX/XX/XXXX. This account has resulted in several fraudulent inquiries and a fraudulent account appearing on my consumer XXXX  credit report. I've attached documents with the account and hard inquiries in question maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned account and hard inquiries as reported. The aforementioned account and hard inquiries on my credit report maintained by you were not opened, made, or initiated by me. The aforementioned account and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that the aforementioned consumer credit account is the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 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:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

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 2024-12-03 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:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 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: NJ

Complaint narrative:
I am writing to request the blocking of information on my credit report resulting from identity theft under Section 605B of the FCRA. I have been a victim of identity theft and the following entries on my credit report are fraudulent. Accounts : ( XXXX  XXXX XXXX, XXXX ; XXXX, XXXX, XXXXXXXX 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 2024-12-03 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: NY

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 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: CA

Complaint narrative:
A late payment is reporting on my credit report for XX/XX/year> that is inaccurate I have never been late and the reporting status is obviously incorrect and that is a violation of The Fair Credit Reporting Act for all the inaccurate reporting.I reached out to XXXX XXXX XXXX and one of the representatives made aware to me that they do not have have a 30 day late payment for XX/XX/year>. I will be providing supporting documents supporting the inaccurate reporting. 15 USC 1681A late payments and inaccurate late payments is illegal and this account is obviously inaccurate. 15 USC 1666 ( B ) A creditor may not treat a payment under any open - end credit plan as late for any purpose unless notified within 21 days by law of the posted late payment and I was never notified. ( I ) The term " CREDIT CARD '' means any card, plate, coupon book or other credit device existing for purpose of obtaining money, property, labor or services on credit and I was never notified about any XX/XX/year> late payment. I credited the transaction with my credit card/social security card . The late payment is in violation and also the inaccuracies in reporting history is in violation please correct payment history to paid on time because I was not late. 
Thanks kindly

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 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
It has come to my attention my personal information has been exposed in a national data breach. After reviewing my credit reports I noticed some accounts I am not familiar with. I have asked the CRA 's for validation of debt. However, the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with. 

Please find attached a copy of my id, the FTC complaint, a copy of the XXXX report showing my information being exposed in a national data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: FL

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. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: MS

Complaint narrative:
I have requested several times for the company to validate and provide me with the method of validation of the accounts in question. They refuse to do so. My next step is contacting my attorney general and XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 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: OH

Complaint narrative:
I recently obtained a copy of my credit report and noticed that XXXXXXXX XXXX Account number XXXX is reporting late payments incorrectly XX/XX/XXXX 30 days late. XX/XX/XXXX are XX/XX/XXXX both being reported 30 days late. 

How can I be 30 days late all 3 months it is the credit bureau responsible to report complete and accurate information. Please update this account. I have attached my credit report as proof. I have also included a copy of my ID and social as proof of my identity.

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 2024-12-03 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: FL

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 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 explanation
Consumer complaint received 2024-12-03 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: MN

Complaint narrative:
I am filing this complaint against the credit reporting agencies ( XXXX, XXXX, and Equifax ) and the creditors ( XXXX, XXXX XXXX, and XXXX ) for multiple violations of federal law regarding fraudulent accounts on my credit report. Despite disputing these accounts and requesting validation, they have failed to comply with their obligations under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Below are the fraudulent accounts in question : XXXX : Account ending in XXXXXXXX XXXX XXXX : Account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations : Failure to Validate Debts : The creditors failed to provide written notification of the alleged debts within five days of initial contact, as required by FDCPA 809 ( a ). Furthermore, they did not validate the debts within 30 days of my dispute, violating FCRA 611 ( a ) ( 1 ) ( A ) and FDCPA 809 ( b ).

Reporting Inaccurate Information : These accounts contain inconsistent and inaccurate information, such as differing open dates and data reported across the credit bureaus. This is a violation of FCRA 623 ( a ) ( 1 ) ( A ), which requires creditors to report only accurate information.

Failure to Respond to Disputes : Despite my disputes, the credit bureaus failed to conduct a reasonable investigation or provide documentation proving the legitimacy of these accounts within the required timeframe, violating FCRA 611 ( a ) ( 1 ) ( A ). This neglect of duty also breaches FCRA 611 ( a ) ( 5 ) ( A ), which mandates the correction or removal of disputed inaccuracies.

Continued Reporting of Fraudulent Accounts : The continued reporting of these accounts as " Charge off '' or " Derogatory '' despite disputes and lack of validation is willful noncompliance. This ongoing harm to my credit profile violates FCRA 604 ( a ) ( 1 ).

Relief Requested : I demand the following immediate actions : The permanent removal of these fraudulent accounts ( account numbers listed above ) from my credit report.

Blocking these accounts to prevent future reporting under FCRA 605B ( c ) ( 1 ).

Compensation for damages caused by derogatory and inaccurate reporting, including harm to my creditworthiness and financial reputation.

A formal investigation into the negligent and unlawful practices of the reporting agencies and creditors.

Enforcement of penalties against the creditors and credit bureaus for willful violations of FCRA and FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 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: CA

Complaint narrative:
Subject : Dispute of XXXX XXXX XXXX XXXX Account Under FCRA To Whom It May Concern, I am writing to formally dispute the collection account reported on my Experian credit report by XXXX XXXX XXXX XXXX XXXXXXXX According to the XXXX XXXX XXXX XXXX ( XXXX ), this company is not licensed to collect debts in the state of California. As such, this accounts reporting is inaccurate and should be permanently removed from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), Experian is required to follow reasonable procedures to ensure maximum possible accuracy in consumer reports. Reporting a collection account from an entity not authorized to operate in California constitutes a violation of this standard. Furthermore, under 15 USC 1681i ( a ) ( 1 ), I am entitled to dispute inaccurate information, and Experian is obligated to investigate and correct or delete unverifiable data. 

Actions Requested : Proof of Licensing : Provide verifiable proof that XXXX XXXX XXXX XXXX is licensed to collect debts in California. 

Remove the Inaccurate Entry : If such proof can not be provided, permanently delete this collection account from my credit report. 

Provide Written Confirmation : Send me written confirmation of the accounts removal and an updated copy of my credit report reflecting the correction. 

I request that you complete your investigation and provide a response within the 30-day timeframe required under the FCRA. Should you fail to address this matter appropriately, I will escalate my concerns by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the California Attorney Generals office. 

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