vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-08 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: IN

Complaint narrative:
I'm writing because too many have I reached out to the XXXX Credit Bureau XXXX XXXX, and TransUnion to be specific in regards to the inaccuracy of information being recorded and reported! 

So, I currently learning of these other databases that they all use! XXXX XXXXXXXX, XXXX AND XXXX THERE INFO IS NOT UPDATED, OLD AND THEY AREN'T CURRENT, PLUS, not really how they received updates. I'm simply applauded to see the lack of record keeping here from all XXXX here! So, when purchasing a car the XXXX databases are reporting outdated information, never current plus painting me in a bad negative light! 

I decided definitely to request a total wash-out of both hard and soft inquiries due to the unfair treatment of costing me a higher interest rate and principal, not to mention higher car payments, not to mention unable to save money! I'm super disappointed and disgusted in my founding! Especially, after XXXX cars in a roll. First, the XXXX XXXX XXXX now the XXXX XXXX XXXX, both XXXX they both should not be on the road. On the based of 15 USC 1861c and Section 623 and 609 XXXX XXXX  application XXXX dated XX/XX/XXXX XXXXXXXX XXXX ... and others

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 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I'm writing because too many have I reached out to the XXXX Credit Bureau Equifax XXXX, and XXXX to be specific in regards to the inaccuracy of information being recorded and reported! 

So, I currently learning of these other databases that they all use! XXXX XXXXXXXX, XXXX AND XXXX THERE INFO IS NOT UPDATED, OLD AND THEY AREN'T CURRENT, PLUS, not really how they received updates. I'm simply applauded to see the lack of record keeping here from all XXXX here! So, when purchasing a car the XXXX databases are reporting outdated information, never current plus painting me in a bad negative light! 

I decided definitely to request a total wash-out of both hard and soft inquiries due to the unfair treatment of costing me a higher interest rate and principal, not to mention higher car payments, not to mention unable to save money! I'm super disappointed and disgusted in my founding! Especially, after XXXX cars in a roll. First, the XXXX XXXX XXXX now the XXXX XXXX XXXX, both XXXX they both should not be on the road. On the based of 15 USC 1861c and Section 623 and XXXX  XXXX XXXX application XXXX dated XX/XX/XXXX XXXX XXXX ... and others

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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 did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: OneMain Finance Corporation
State: SC

Complaint narrative:
I am a victim of identity theft. I reviewed my credit report from all three bureaus, and noticed that the report has credit inquiries that I did not authorize. XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX and XXXX XXXX XX/XX/XXXX, OneMain Financial XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 : It also states a consumer reporting agency can not furnish a 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 of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
Ensuring prompt payments on this account has been my priority, never allowing them to lapse. The presence of late payment remarks on my accounts leaves me uncertain. Under 15 USC 1666b - Billing Error, corrective measures are called for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 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: AZ

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/XXXX Equifax Information Services XXXX LLC XXXX XXXX XXXX XXXX XXXX GA XXXX Dear Equifax I am disputing the account ( s ) stated in this document. Previously, I disputed this account information as being inaccurate, incomplete, and invalidated and you responded by stating you were able to verify or validate this debt. Tell me how is that possible when you have employees and an automated system judging my disputes within seconds? Its no way a real investigation was made. Under the laws of the FDCPA, I have contacted the collection agency myself, and they have failed to validate that this is indeed my debt. I have copies of my requests to the collection agency, asking them to validate the debt, as well as the receipts showing I sent them a letter by certified signature request. I was given no evidence of my obligation to pay this debt to these collection agencies. This debt is not mine. The Fair Credit Reporting act. requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. If you can not verify the item pursuant to FCRA. And you continue to report it on my credit. I will find it necessary to ( Sue you for actual damages and defamation of my character. According to FCRA regulations, I may sue you in any qualified state or federal court.

including a small claims court in my area. This is my warning. I demand you to delete these items at once. 




XXXX : Account number : XXXX, -. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 

XXXX : Account number : XXXX, -. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX | XX/XX/XXXX : Account number : XXXX, -. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX : Account number : XXXX, -. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX : Account number : XXXX, -. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 

XXXX | XX/XX/XXXX : Account number : XXXX, -. I have no recollection of authorizing this credit pull and I demand this to be removed. 



Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand that FCRA XXXX mandates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccuracies, which is causing me discomfort.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Oh XX/XX/2024 I received a debt collection notice and invoice from the Debt collection agency Midland Credit Management in the amount of {$710.00} from original Creditor XXXX XXXX. 
The MCM account number for this is : XXXX. 
I am a current victim of identity theft which I have filed an official notice and claim with the Federal Trade Commission which will in turn report this to the local police and government agencies that handle these matters. 
I have numerous fraudulent accounts that have been verified as a result of identity theft once the investigation has been completed. 
This collection attempt is not my debt as I have never owned a XXXX XXXX  credit card in recent years. 
This agency needs to remove this from collection and close this account immediately as I have all the proper documentation to prove my claim and will include along with this complaint and statement. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Torriere Holdings INC
State: MI

Complaint narrative:
Spire Recovery Solutions is using improper methods in order to attempt to contact me. 

My mother, who lives in another state in the XXXX United States, received a call on or about Friday, XX/XX/2024 asking for my whereabouts and a good phone number. The nature of the call or that the company was a debt collector was never disclosed in the call prior to asking for my information. 

Further, i have received repeated automated calls from spire recovery at various times of the day- may or may not have escalated to the rule of 7 in 7 days, however on XX/XX/2024 a direct voicemail was left on my phone that states only, " this is XXXX calling from XXXX. im trying to obtain location information for XXXX XXXX ( my full name stated in voicemail recording ) and spire requesting a call back. the voicemail is saved. there is no identification given by spire in the voicemails, or calls, prior to their trying to obtain personal information. transcript attached

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Someone has been using my credit for a few months now. I see addresses and phone numbers have been changed and phones numbers has been added to my credit profile. for example things have been added to my credit profile phone number : XXXX this is not my phone number. also these addresses are not my address : XXXX XXXX XXXX XXXX ny XXXX XXXX XXXX XXXX # XXXX XXXX ny XXXX phone 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 explanation
Consumer complaint received 2024-04-08 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: TX

Complaint narrative:
There is items on my credit that do not belong to me. it is a lease that is XXXX it is another one that is XXXX there is another one that is XXXX i contacted the credit bureaus to get them to investigate the items they refused and told me to do my own investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: Army and Air Force Exchange Service
State: MD

Complaint narrative:
I am writing in response to CFPB Complaints XXXX and XXXX filed against Military Star and AFFES. I am demanding the immediate deletion of this account or the prompt correction of the original date of delinquency to reflect XX/XX/XXXX. 

On XX/XX/XXXX, Military Star and AFFES claimed that they addressed the complaints by processing AUD # XXXX on XX/XX/XXXX, to mark the account as paid in full with the correct dates and account details. However, this statement is unequivocally false. Their actions on XX/XX/XXXX, led to the re-aging of the account, now showing as a new collection on my credit reports as of XX/XX/XXXX. As a result, my credit reports now indicate a XXXX late payment as of XX/XX/XXXX, causing a XXXX  decrease in my credit scores. To date, my credit reports remain inaccurate as of XX/XX/XXXX. 

I have attached copies of my credit report as of XX/XX/XXXX, before Military Star and AFFES claimed to have addressed the complaints by processing AUD # XXXX on XX/XX/XXXX, to mark the account as paid in full with the correct dates and account details. I have also included my credit report as of XX/XX/XXXX, following the supposed corrections. Please note the differences between the XXXX reports. It is evident that there is no indication whatsoever that Military Star and AFFES have made the necessary corrections to update this account to the original delinquency date of XX/XX/XXXX. 

In addition, despite my repeated attempts, I have not received the requested copies of my statements prior to XX/XX/XXXX from AFFES and Military Star via XXXX  and XXXX, or by phone. 

I implore the CFPB to take action against Military Star and AFFES for their deceptive practices, misrepresentation of facts, and ongoing violations of federal regulations such as the FCRA and TILA. It is imperative that they are held accountable for their actions and prevented from further engaging in deceptive trade practices.

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 2024-04-08 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: MD

Complaint narrative:
I am writing in response to CFPB Complaints XXXX and XXXX filed against XXXX XXXX and XXXX. I am demanding the immediate deletion of this account or the prompt correction of the original date of delinquency to reflect XX/XX/XXXX. 

On XX/XX/XXXX, XXXX XXXX and XXXX claimed that they addressed the complaints by processing AUD # XXXX on XX/XX/XXXX, to mark the account as paid in full with the correct dates and account details. However, this statement is unequivocally false. Their actions on XX/XX/XXXX, led to the re-aging of the account, now showing as a new collection on my credit reports as of XX/XX/XXXX. As a result, my credit reports now indicate a 90-day late payment as of XX/XX/XXXX, causing a XXXX decrease in my credit scores. To date, my credit reports remain inaccurate as of XX/XX/XXXX. 

I have attached copies of my credit report as of XX/XX/XXXX, before XXXX XXXX and XXXX claimed to have addressed the complaints by processing AUD # XXXX on XX/XX/XXXX, to mark the account as paid in full with the correct dates and account details. I have also included my credit report as of XX/XX/XXXX, following the supposed corrections. Please note the differences between the XXXX reports. It is evident that there is no indication whatsoever that XXXX XXXX and XXXX have made the necessary corrections to update this account to the original delinquency date of XX/XX/XXXX. 

In addition, despite my repeated attempts, I have not received the requested copies of my statements prior to XX/XX/XXXX from XXXX and XXXX XXXX via XXXX and XXXX, or by phone. 

I implore the CFPB to take action against XXXX XXXX  and XXXX for their deceptive practices, misrepresentation of facts, and ongoing violations of federal regulations such as the FCRA and TILA. It is imperative that they are held accountable for their actions and prevented from further engaging in deceptive trade practices.

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 2024-04-08 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: Experian Information Solutions Inc.
State: TX

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 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 2024-04-08 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: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-08 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: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand that as per FCRA 605B, it's essential to remove any erroneous accounts from my credit report. Could you please review the documents? I've noticed that several of the listed accounts seem to be inaccurate, and this is worrying me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 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: FL

Complaint narrative:
The information reflected in my credit reports is currently marred by inaccuracies that have had a detrimental impact on my ability to secure new credit. As I submit credit applications to potential lenders, the discrepancies present in the reported data have led to confusion and contradictions, ultimately misrepresenting my creditworthiness. 

Given the gravity of these inaccuracies and their adverse effects on my financial reputation, I am formally requesting the correction of these errors and the subsequent removal of the incorrect items from my credit reports. It is imperative that my credit file accurately reflects my financial standing and history to ensure fair and informed assessments by creditors.

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