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: 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: LA

Complaint narrative:
I am writing to formally request the removal of an account from my credit report as reported by all three credit bureaus. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-o for {$5700.00} from XXXX XXXX XXXX XXXX listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XX/XX/year>. 

According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable.Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 

Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 

Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 
Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non- compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 

I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 

Account Name : XXXX XXXX XXXX XXXX Account Number : 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 2024-11-26 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: LA

Complaint narrative:
I am writing to formally request the removal of an account from my credit report as reported by all three credit bureaus. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-o for {$5700.00} from XXXX XXXX XXXX XXXX listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XX/XX/year>. 

According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable.Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 

Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 

Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 
Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non- compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 

I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 

Account Name : XXXX XXXX XXXX XXXX Account Number : 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: 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: LA

Complaint narrative:
I am writing to formally request the removal of an account from my credit report as reported by all three credit bureaus. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-o for {$2900.00} from XXXX XXXX XXXX XXXX XXXX on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XX/XX/year>. 

According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable.Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 

Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 

Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 
Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non- compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 

I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 

Account Name : XXXX XXXX XXXX XXXX Account Number : 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 2024-11-26 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: LA

Complaint narrative:
I am writing to formally request the removal of an account from my credit report as reported by all three credit bureaus. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-o for {$2900.00} from XXXX XXXX XXXX XXXX listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XX/XX/year>. 

According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable.Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 

Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 

Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 
Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non- compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 

I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX

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: NV

Complaint narrative:
I am submitting this statement to address inaccurate information reported by TransUnion regarding my account with XXXX XXXX XXXX  XXXX. Specifically, the payment status for this account is reported as " 30-59 Days Late, '' which contradicts the payment history showing 100 % on-time payments. 

This discrepancy does not reflect my accurate credit behavior and could negatively impact my creditworthiness. Under the Fair Credit Reporting Act ( FCRA ), I request that TransUnion investigate and correct this error to ensure my credit report reflects accurate and complete information. 

I appreciate your attention to this matter and look forward to resolution. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: OLIPHANT FINANCIAL, LLC
State: NY

Complaint narrative:
Oliphant Financial has improperly pursued a charged-off debt since XX/XX/2024 that they purchased without my consent, in violation of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). Their actions, including reporting the debt and attempting to collect on it without proper authorization, amount to double collection and fraud. Furthermore, under IRC 61 ( a ) ( 12 ), if the debt was canceled, they must furnish an IRS Form 1099-C to confirm its cancellation. and lastly they didn't have my authorization to purchase the debt, my information or report to and Credit reporting Agency. 

attached are : -ftc report -pre arbitration letter -credit report

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: 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: LA

Complaint narrative:
I am writing to formally dispute the inclusion of an account on my credit report that does not belong to me. This account is erroneous and inaccurate. Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure the information on my credit file is accurate and verifiable. 

The account in question is as follows : Creditor Name : XXXX, XXXX Account XXXX I have reviewed my records and confirmed that I never opened this account, nor did I authorize anyone else to open it on my behalf. I have also filed an identity theft report with the Federal Trade Commission ( FTC ), as this situation appears to be a result of fraudulent activity. Enclosed, you will find a copy of the FTC Identity Theft Report. 

In accordance with 15 U.S.C. 1681c-2 of the FCRA, I am requesting the immediate blocking and removal of this account from my credit report. As per this section, upon receiving proof of identity theft, credit reporting agencies are required to block the reporting of any fraudulent account within four business days. 

Please investigate this matter promptly and provide me with written confirmation once the account has been deleted. If you determine that the account can not be deleted, I request a detailed explanation and the documentation used in your verification process, as required under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) of the FCRA. 

I look forward to your prompt resolution of this matter by deleting this account from my credit report. 

Thank you for your attention to this urgent 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 non-monetary relief
Consumer complaint received 2024-11-26 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: LA

Complaint narrative:
I am writing to formally dispute the inclusion of an account on my credit report that does not belong to me. This account is erroneous and inaccurate. Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure the information on my credit file is accurate and verifiable. 

The account in question is as follows : Creditor Name : XXXX, XXXX Account XXXX I have reviewed my records and confirmed that I never opened this account, nor did I authorize anyone else to open it on my behalf. I have also filed an identity theft report with the Federal Trade Commission ( FTC ), as this situation appears to be a result of fraudulent activity. Enclosed, you will find a copy of the FTC Identity Theft Report. 

In accordance with 15 U.S.C. 1681c-2 of the FCRA, I am requesting the immediate blocking and removal of this account from my credit report. As per this section, upon receiving proof of identity theft, credit reporting agencies are required to block the reporting of any fraudulent account within four business days. 

Please investigate this matter promptly and provide me with written confirmation once the account has been deleted. If you determine that the account can not be deleted, I request a detailed explanation and the documentation used in your verification process, as required under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) of the FCRA. 

I look forward to your prompt resolution of this matter by deleting this account from my credit report. 

Thank you for your attention to this urgent matter.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$9500.00} XXXX XXXX Balance : {$460.00}

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 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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$9500.00} XXXX XXXX Balance : {$460.00}

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: 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: NY

Complaint narrative:
To Whom It May Concern, I am writing to dispute inaccurate information that appears on my TransUnion credit report dated XX/XX/XXXX. The account in question is : XXXX XXXX XXXX XXXX XXXX  Account # XXXX Opened : XX/XX/XXXX Balance : {$11000.00} This account is incorrectly reporting XXXX late payments on my TransUnion report, whereas my XXXX report reflects XXXX late payments for the same account. This discrepancy indicates that the information reported by TransUnion is inaccurate. 

I respectfully request that you reinvestigate this matter and verify the accuracy of the reported late payments. If the account can not be verified, please delete the inaccurate information from my credit report in compliance with the Fair Credit Reporting Act ( FCRA ). 

Thank you for your prompt assistance in 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 2024-11-26 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: NJ

Complaint narrative:
I recently submitted a request for investigation of the above noted accounts, 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 though your company claims to have verified these. 
Depending solely on your flawed XXXX XXXX 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/XXXX  in question. Sending out a generic form letter through the XXXX XXXX that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXXXXXX 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 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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX has improperly reported a charged-off debt as active and is attempting to double collect, which constitutes fraud under the Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and Internal Revenue Code ( IRC ). If the debt was canceled or discharged, XXXX was also required to file an IRS Form 1099-C and confirm its cancellation status. Their actions violate federal laws and harm my financial standing. 

attached are : -ftc report -letter -credit reports before they were on and then, currently on

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 status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX has improperly reported a charged-off debt as active and is attempting to double collect, which constitutes fraud under the Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and Internal Revenue Code ( IRC ). If the debt was canceled or XXXX, XXXX was also required to file an IRS Form XXXX and confirm its cancellation status. Their actions violate federal laws and harm my financial standing. 

attached are : -ftc report -letter -credit reports before they were on and then, currently on

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 status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX has improperly reported a charged-off debt as active and is attempting to double collect, which constitutes fraud under the Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and Internal Revenue Code ( IRC ). If the debt was canceled or XXXX, XXXX was also required to file an IRS Form XXXX and confirm its cancellation status. Their actions violate federal laws and harm my financial standing. 

attached are : -ftc report -letter -credit reports before they were on and then, currently on

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