vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-09 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:
The account XXXX XXXX XXXX XXXX was reinserted Under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S. Code 1681i ( a ) ( 5 ) ( B ) ], they where required to notify me in writing within five business days of any reinsertion, they did not!

Initially disputed this account it was blocked and removed without verification uoubskkiwed the creditor to re report this account but this time as a charge off which is also a violation of my rights Once you successfully dispute an account and it is removed or blocked, the FCRA [ 15 U.S. Code 1681i ( a ) ( 5 ) ( B ) ] requires that : 1. The credit bureau can not reinsert the information unless the credit
or provides certified evidence of its accuracy and legitimacy.

2. The credit bureau must notify you within 5 business days after reinserting the information.

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 2024-12-09 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: TX

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Old addresses that continue to reappear no longer reside at XXXX XXXX XXXX XXXX XXXXXXXX, as well as XXXX XXXX XXXX, XXXX XXXX, and haven't resided for the past 12 and 13 years

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Old addresses that continue to reappear no longer reside at XXXX XXXXXXXX XXXX XXXX XXXXXXXX, as well as XXXX XXXX XXXX, XXXX XXXX, and haven't resided for the past 12 and 13 years

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 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to express my growing frustration and concern regarding the continued presence of inaccurate personal information on my credit report. This is now the sixth time I am disputing the same inaccuracies, and despite my repeated requests, these errors have yet to be corrected. This information is incorrect and does not belong to me. I have disputed this several times, providing all the necessary documentation and identification to support my claims. Despite my efforts and your agencys obligation under the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy of consumer credit information, these errors persist on my credit file. 
The ongoing inclusion of inaccurate personal information on my credit report is not only misleading but has the potential to negatively impact my financial standing and creditworthiness. It is unacceptable that after five previous disputes, no resolution has been made. 
I am formally requesting once again that your agency immediately investigate and correct these inaccuracies. Please ensure that all incorrect personal information is permanently removed from my credit file and that my report is updated to reflect accurate, current details. 
In accordance with the FCRA, I am entitled to an accurate credit report, and I expect that this matter will be handled swiftly and effectively. Please confirm in writing once the corrections have been made, and provide me with an updated copy of my credit report reflecting these changes. 

XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX

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 2024-12-09 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: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PNC Bank N.A.
State: UT

Complaint narrative:
An incorrect, negative credit report complaint was filed on XXXX. PNC Bank reported my account as 30 days late. Payment was made and account is current. Complaint has not been corrected. On XX/XX/2024, PNC Bank reported the same account again as 60 days late. Again payment was made before 30 day late date, and account is current. PNC has a history of incorrect reporting. PNC is a fraud and continuous to disrespect their customers with incorrect credit reporting. Online account shows account as current. Bank statement shows both payments have cleared. Next step is filing a complaint with the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Capital One Dealer placed an inquiry on the credit report on XX/XX/year> do not recognize or permit to do so this is fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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: SC

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 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 non-monetary relief
Consumer complaint received 2024-12-09 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: NM

Complaint narrative:
I am writing to dispute the continued presence of inaccurate name addresses on my credit report. Despite prior disputes, this incorrect name addresses remain listed : These name addresses do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct name addresses, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, NM, XXXX, XXXX XXXX XXXX, XXXX, TX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, NM, XXXX, XXXX La XXXX XXXX XXXX XXXX, NM, XXXX & XXXX XXXX XXXX, XXXX XXXX, NM, 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 2024-12-09 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: CA

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 this account though your company claims to have verified this. 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 Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, 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. 

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 2024-12-09 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: NC

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. 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 explanation
Consumer complaint received 2024-12-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc.
State: AL

Complaint narrative:
On XX/XX/XXXX I contacted ( in a timely manner ) the original creditor XXXX  ISP, to inform them one, to discontinue my autopay service ( which they did not ) and two, to give the same service at a discounted rate, and three, I made a payment in the amount of {$80.00} ( the amt. of the bill ). XXXX  debited my account via XXXX debit on XX/XX/XXXX. I called on that day at @ XXXX XXXX and spoke with a gentleman by the name of XXXX XXXX XXXX confirmed the initial payment and the additional payment that was ACH debited from my account. He then informed me that in order to expedite the process that I would need to contact my financial institution. He stated if I waited for XXXX  it could take several weeks. It was Saturday and due to it being the weekend I had to wait until the pymt posted to get the credit. I called Monday once the pymt posted and was issued a temporary credit of the {$80.00}. My bank contacted me on XX/XX/XXXX via email advising that based on the aforementioned information ; I won the dispute. WOW was in error for double charging me and debiting my account. I have attached the supporting documentation. XXXX and the next rep that I spoke with advised I would not have a balance because I ended up cancelling the service and due to me being at the end of the billing cycle ; I would not receive an additional bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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 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 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 2024-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am writing to formally request verification of the accuracy of the account information reported by XXXX XXXX XXXX XXXX XXXX XXXX my credit file with XXXX. This request is being made under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S. Code 1681i ), which grants me the right to dispute inaccurate or unverifiable information on my credit report.

The details of the account in question are as follows : Account Name : XXXX XXXX Account Number : XXXX Reported Balance : {$970.00} Discrepancy Noted : I dispute the account as I believe it is inaccurate or unverifiable. 

I request that you conduct a thorough investigation of this account and provide : Verification of Accuracy : Documentation and/or evidence from the furnisher of information confirming the legitimacy of this account and its reported status.

Correction or Deletion : If the information can not be verified or is found to be inaccurate, please remove or correct this account from my credit file immediately. 

I have attached copies of my credit report highlighting the disputed account, government-issued ID, and proof of address to assist with this process. 

Please be aware that the FCRA requires XXXX to complete this investigation within 30 days of receiving my dispute. I also request that you provide me with the results of your investigation, including the name, address, and contact information of any furnisher of information you verified during the process. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this dispute. Please direct all correspondence to the address provided above.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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: VA

Complaint narrative:
I recently reviewed my credit report and identified several inaccuracies that are affecting my ability to secure a mortaggge and overal creidt. From my understanding is that you will be investiagating the following account to ensure its accuracy. Here is the account that I am asking you to verify and validate Account name : XXXX XXXX Account number : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Owed : {$1800.00} XXXX XXXX  XXXX XXXX XXXX XXXX : {$1400.00}

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 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Owed : {$1800.00} XXXX XXXX  XXXX XXXX XXXX XXXX : {$1400.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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: DE

Complaint narrative:
I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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: OH

Complaint narrative:
As per the guidelines from the Consumer Financial Protection Bureau the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX  -Debt Final Rule 1002.142 ( b ) ( 4 ) -510022.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605c of the fair credit reporting act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted. Please delete the following accounts XXXX acct number XXXX XXXX acct number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. acct 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 2024-12-09 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:
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 XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an installment loan account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, a collection account for Insurance with XXXX XXXX XXXX XXXX opened at XXXX  on XX/XX/XXXX under the account number XXXX, and another Collection account with ONLINE INFORMATIONS for CONSUMERS ENERGY on XXXX  XXXX XXXX, XXXX under the account number XXXX. 
These addresses do not belong to me ; XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX, XXXX, MI XXXX. 
These accounts have resulted in fraudulent collections and address appearing on my consumer XXXX credit report. Ive attached a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, address or collections. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief