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

Complaint narrative:
Subject : Request for Investigation and Permanent Removal of Inaccurate Information Under the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am writing to formally dispute the inclusion of a XXXX XXXX  account on my credit report, as I have never held such an account. According to the Fair Credit Reporting Act ( FCRA ), all information on a consumer 's credit report must be accurate, complete, and verifiable. However, the reporting of this account on my credit report is inaccurate for the following reasons : XXXX and XXXX XXXX XXXX : XXXX  XXXX account in question is listed as " charged off '' and " written off '' on my credit report. When a creditor charges off and writes off an account, they typically seek and obtain a tax deduction for the amount written off. According to the IRS, the creditor must issue a Form XXXX to the debtor, treating the written-off amount as income to the debtor for tax purposes. 
If XXXX has written off this debt, it indicates that they have claimed the corresponding tax benefit. It is therefore contradictory and inaccurate for XXXX to continue reporting that I owe them money. A creditor can not simultaneously claim a tax write-off for a debt and report the same debt as owed by the consumer. 

Violation of FCRA Standards : The continued reporting of this account in this manner renders my credit report inaccurate, in violation of my rights under the FCRA. Specifically : Section XXXX ( b ) of the FCRA mandates that consumer reporting agencies maintain maximum possible accuracy of the information in their records. 
Section XXXX ( a ) provides me the right to dispute inaccurate information and requires the credit bureau to conduct a reasonable investigation and correct or delete information found to be inaccurate or unverifiable. 
I have attached a copy of my credit report, highlighting the inaccuracies related to the XXXX account. Additionally, XXXX has failed to provide me with a Form XXXX, further evidencing the inconsistency and inaccuracy of their reporting. 

For these reasons, I respectfully request the following : XXXX an immediate investigation into this matter, as required under Section XXXX of the FCRA. 
Permanently remove and delete all references to the XXXX account from my credit report. 
Provide me with a written confirmation of the actions taken regarding this dispute. 
Please complete your investigation and provide 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 explanation
Consumer complaint received 2024-12-12 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: FL

Complaint narrative:
Subject : Request for Investigation and Permanent Removal of Inaccurate Information Under the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am writing to formally dispute the inclusion of a XXXX XXXX  account on my credit report, as I have never held such an account. According to the Fair Credit Reporting Act ( FCRA ), all information on a consumer 's credit report must be accurate, complete, and verifiable. However, the reporting of this account on my credit report is inaccurate for the following reasons : XXXX and XXXX XXXX XXXX : The XXXX account in question is listed as " charged off '' and " written off '' on my credit report. When a creditor charges off and writes off an account, they typically seek and obtain a tax deduction for the amount written off. According to the IRS, the creditor must issue a Form XXXX to the debtor, treating the written-off amount as income to the debtor for tax purposes. 
If XXXX has written off this debt, it indicates that they have claimed the corresponding tax benefit. It is therefore contradictory and inaccurate for XXXX to continue reporting that I owe them money. A creditor can not simultaneously claim a tax write-off for a debt and report the same debt as owed by the consumer. 

Violation of FCRA Standards : The continued reporting of this account in this manner renders my credit report inaccurate, in violation of my rights under the FCRA. Specifically : Section XXXX ( b ) of the FCRA mandates that consumer reporting agencies maintain maximum possible accuracy of the information in their records. 
Section XXXX ( a ) provides me the right to dispute inaccurate information and requires the credit bureau to conduct a reasonable investigation and correct or delete information found to be inaccurate or unverifiable. 
I have attached a copy of my credit report, highlighting the inaccuracies related to the XXXX account. Additionally, XXXX has failed to provide me with a Form XXXX, further evidencing the inconsistency and inaccuracy of their reporting. 

For these reasons, I respectfully request the following : XXXX an immediate investigation into this matter, as required under Section XXXX of the FCRA. 
Permanently remove and delete all references to the XXXX account from my credit report. 
Provide me with a written confirmation of the actions taken regarding this dispute. 
Please complete your investigation and provide a response

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 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 dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries : XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXXXXXX XX/XX/year> As required by XXXX U.S.C XXXX, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2024-12-12 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: GA

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. 

Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section XXXX A. States I have the right to privacy. 

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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.

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 2024-12-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
CREDENCE RESOURCE MANAGE XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Assignment of Debt Dear CREDENCE RESOURCE MANAGE, I am writing to formally dispute the debt referenced by account number XXXX I recently received communication regarding this debt, and I am requesting validation and assignment of the debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). 
To assist in my review of this debt, please provide the following information : 1. Verification of the Debt : The original amount of the debt, the current amount, and a detailed account of any interest, fees, or charges that have been added.

2. Assignment of Debt : Documentation evidencing that the debt has been legally assigned or sold to your company, including the date of the assignment and the terms of the assignment or sale.

3. Original Creditor Information : The name and address of the original creditor, as well as any account numbers associated with the debt when it was held by the original creditor.

4. Payment History : A detailed account of the payments made on the debt, including the dates and amounts of these payments.

5. Contract or Agreement : A copy of the original contract or agreement that created the debt, bearing my signature. 
I kindly request that you cease all collection activities, including phone calls and written communications, until you have provided me with the aforementioned documentation. Failure to provide this information within 30 days of receipt of this letter will result in my considering the debt invalid and may prompt further action on my part to dispute this debt with the relevant credit reporting agencies. 
Thank you for your prompt attention to this matter. I look forward to receiving the requested documentation to resolve this dispute. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
Mortgage debt residual from a residential foreclosure in XXXX  has been transferred from XXXX XXXX XXXXXXXX to several debt collection agencies. This debt is in Federal Bankruptcy Court for the XXXX XXXX XXXX XXXX  in XXXX. The court documents reflect that the debt is currently owned by XXXX XXXX XXXX XXXX XXXXXXXX and has an assigned attorney with all the information. In spite of repeated contacts by fax and phone over a period of XXXX months, debt collector Shellpoint Mortgage Servicing continues to harass by sending monthly bills for the mortgage, bills for homeowners insurance on the property I have not lived in for XXXX  years, and calling to attempt debt collection. 

Examples of bills and statements are attached, however they have sent these in XXXX, XXXX ( attached ), XXXX ( attached ), XXXX, XXXX, and XXXX ( attached ).

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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.

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 2024-12-12 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: GA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX XXXX PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Velocity Portfolio Group
State: FL

Complaint narrative:
I have not supplied proof under the XXXX XXXX XXXX  by silence, XXXX XXXX ( XXXX XXXX XXXX XXXX, I presumit that no proof of the XXXX debt, nor therefore any XXXX such debt, in fact therefore exists.

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 2024-12-12 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: NJ

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries : XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my XXXX these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : I have not applied for any credit and did not authorize any of these inquiries please delete immediately. 
1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report 3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report I did not consent nor did I benefit from the following accounts. They are fraud and please remove immediately. 

Yours 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 2024-12-12 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: GA

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023

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 2024-12-12 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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.

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

Complaint narrative:
XXXX XXXX  is reporting missed payments on a mortgage. A timeshare is not a mortgage ; it is an installment loan. The United States court of appeals recently ruled that a timeshare should not be reported as a residential mortgage. It is an installment loan. XXXX has breached their contract by not having availability but demanding payment.

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 2024-12-12 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: WI

Complaint narrative:
XXXXXXXX XXXX is reporting missed payments on a mortgage. A timeshare is not a mortgage ; it is an installment loan. The United States court of appeals recently ruled that a timeshare should not be reported as a residential mortgage. It is an installment loan. XXXX has breached their contract by not having availability but demanding payment.

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

Complaint narrative:
XXXX timeshare is reporting missed payments on a mortgage. A timeshare is not a mortgage ; it is an installment loan. The XXXX XXXX XXXXXXXX XXXX XXXX recently ruled that a timeshare should not be reported as a residential mortgage. It is an installment loan. XXXX has breached their contract by not having availability but demanding payment.

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 2024-12-12 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: FL

Complaint narrative:
I am writing to follow up on my previous correspondence regarding several negative accounts appearing on my credit report due to identity theft, as detailed in my last letter. 

In my initial statement, I outlined the unauthorized transactions and accounts that have been fraudulently opened in my name, which have severely impacted my credit standing. I kindly requested the removal, blocking, or updating of these inaccurate entries, as well as a prompt response regarding the dispute 's timeline and process. 

Please provide an update on the current status of my case and confirm the steps that have been or will be taken to resolve this matter. If there is any additional information or documentation required, please let me know, as I am committed to assisting with the verification and correction process to ensure an accurate reflection of my credit report. 

I appreciate your time and consideration in addressing this issue. I look forward to your response and a timely resolution to restore the integrity of my credit record. 

Thank you once again for your assistance.

Company response to consumer: Closed with non-monetary relief