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: Incorrect information on your report — Information belongs to someone else
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 XXXX  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 XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), 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/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. 
Bankruptcy XXXX XXXX Reference 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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: IL

Complaint narrative:
This was on all three of my credit bureau reports but I disputed it and it was removed from XXXX XXXX and XXXX for reporting falsely However it is still reporting on XXXX. This company is false reporting false information. They dont have my social security number, address or anything because this debt is false and not my debt.

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: Experian Information Solutions Inc.
State: TN

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 XXXX XXXX XXXX XXXX XXXXXXXX {$120.00} XXXX XXXX XXXX XXXXXXXX {$960.00} XXXX XXXX XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXXXXXX {$4500.00} XXXX XXXX XXXX XXXXXXXX {$540.00} I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about who the report relates according to 15 USC 1681 ( e ) ( b ). And according to15 USC 1681 1i5 they are suppose to do this ( 5 ) Treatment of inaccurate of unverifiable information ( A ) In general if, after any reinv
estigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent a certified mail to Experian from the post office on XX/XX/year>. While it did arrive at Experian, they refused to accept it on XX/XX/year>. It is evident that they are intentionally stalling and avoiding having my certified mail in their possession. 

I have uploaded the document as a precaution, as this seems to be an attempt to avoid paying punitive damages of {$10000.00} due to their refusal to process my correspondence. Their actions have made it unnecessarily difficult for me to resolve this matter. I even attempted to send the documents via fax, but it has been challenging to get it through. 


XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
At first Experian listed my XXXX XXXX XXXX XXXX  account as a loan that was paid in full. Then, they changed the entry to credit card closed by the guarantor with a XXXX balance. The fact remains that I still have my XXXX XXXX XXXX XXXX The account is XXXX and I have even received an increase on my credit limit and my new limit is {$700.00}. I disputed it with Experian and they responded with " verified by the lender ''. I find this hard to believe as I am still making charges on this card and just made a {$200.00} payment last month. XXXX finally updated their records to reflect my card. This is causing my credit score to be much lower. I've tried everything to get it corrected and I didn't know what else to do besides make a 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 2024-11-26 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: NC

Complaint narrative:
Under the doctrine of estoppel by silence, as referenced in Engelhardt v. Gravens, it is presumed that no evidence of the debt exists.I am writing to formally demand the immediate deletion of any derogatory information on my credit report that has not been fully verified as true, correct, complete, and compliant with all applicable reporting laws, including the FCRA, FCBA, FDCPA, and XXXX XXXX COMPLIANCE STANDARDS.

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 — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
American Express credit card XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is reporting on my credit report in the amount of {$1400.00}. According to IRS regulation 6050 P, amounts over {$600.00} that are written off/charged off are required to issue a 1099 C. Income is not reported on credit reports. Please provide 1099 C so I can pay taxes to the IRS.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have recently reviewed my credit report and noticed an account that was not mine at all and then had inaccurate information as in late payments that have nothing to do with me!!! Please update immediately and remove all incomplete 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 non-monetary relief
Consumer complaint received 2024-11-26 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:
I have recently reviewed my credit report and noticed an account that was not mine at all and then had inaccurate information as in late payments that have nothing to do with me!!! Please update immediately and remove all incomplete information

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Subject : Dispute Regarding Inaccurate Reporting on XXXX XXXX XXXX  Account ( Account # : XXXX ) ** Dear CFPB, I am filing a formal complaint regarding the reporting of inaccurate information on my XXXX XXXX XXXX account ( Account # : XXXX ) and requesting immediate corrective action. The reporting reflects a late payment ( 30 days ) that is not accurate, as payments have been consistently made and the account remains in good standing. 

Details of the Dispute : Inaccurate Late Payment Reporting : The late payment reported in XX/XX/year> is inaccurate. Payments were made as agreed, and no missed payment should be reflected on my credit report. This inaccurate information is damaging to my credit profile and violates my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), which requires furnishers to ensure the accuracy of the data they report.

Current Payment Status : As reflected in the reporting, my account status is " Current '' across all bureaus, yet the erroneous late payment entries remain in the payment history. This inconsistency further highlights the inaccuracy.

Violations of Consumer Rights : Under the FCRA ( 15 U.S.C. 1681i ), I have the right to dispute incomplete or inaccurate information on my credit report, and creditors must investigate and correct such inaccuracies.

The Truth in Lending Act ( TILA, 15 U.S.C. 1601 ) requires transparency and accuracy in reporting account terms and conditions, which has not been upheld.

Under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 ), the misrepresentation of account status or payment history constitutes an unfair practice.

Harm Caused : This erroneous reporting has adversely affected my credit score and financial credibility, limiting my ability to access favorable credit terms.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Subject : Dispute Regarding Inaccurate Reporting on XXXX XXXX XXXX  Account ( Account # : XXXX ) ** Dear CFPB, I am filing a formal complaint regarding the reporting of inaccurate information on my XXXX XXXX XXXX account ( Account # : XXXX ) and requesting immediate corrective action. The reporting reflects a late payment ( 30 days ) that is not accurate, as payments have been consistently made and the account remains in good standing. 

Details of the Dispute : Inaccurate Late Payment Reporting : The late payment reported in XX/XX/year> is inaccurate. Payments were made as agreed, and no missed payment should be reflected on my credit report. This inaccurate information is damaging to my credit profile and violates my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), which requires furnishers to ensure the accuracy of the data they report.

Current Payment Status : As reflected in the reporting, my account status is " Current '' across all bureaus, yet the erroneous late payment entries remain in the payment history. This inconsistency further highlights the inaccuracy.

Violations of Consumer Rights : Under the FCRA ( 15 U.S.C. 1681i ), I have the right to dispute incomplete or inaccurate information on my credit report, and creditors must investigate and correct such inaccuracies.

The Truth in Lending Act ( TILA, 15 U.S.C. 1601 ) requires transparency and accuracy in reporting account terms and conditions, which has not been upheld.

Under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 ), the misrepresentation of account status or payment history constitutes an unfair practice.

Harm Caused : This erroneous reporting has adversely affected my credit score and financial credibility, limiting my ability to access favorable credit terms.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Sunlight Financial LLC
State: TX

Complaint narrative:
15 U.S.C. 1681 ( a ) Demonstrates the Unfairness of XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  Late Payment Reporting The late payment reporting by XXXX XXXXXXXX XXXX XXXXXXXX XXXX to credit bureaus is fundamentally unfair under 15 U.S.C. 1681 ( a ), which establishes Congress 's findings about the importance of accuracy, fairness, and respect for consumer privacy in credit reporting. Here 's why : Inaccuracy and its Impact on the Banking System : Section 1681 ( a ) ( 1 ) highlights that the banking system relies on fair and accurate credit reporting. Reporting my payment as late when it was made in accordance with my obligations ( or disputable otherwise ) creates inaccuracies that not only harm me as a consumer but also erode trust in the banking system as a whole.

Unfair and Unjust Reporting Practices : Section 1681 ( a ) ( 4 ) mandates that consumer reporting agencies and their partners operate with fairness, impartiality, and a respect for consumers ' rights. XXXX XXXX XXXX XXXX XXXX XXXX  decision to report the payment as latedespite applicable protections under the Truth in Lending Act ( 15 U.S.C. 1666b ) violates these principles. Such reporting undermines my right to privacy and fairness.

Failure to Ensure Accuracy and Confidentiality : Section 1681 ( b ) states that credit reporting systems must meet the needs of commerce in a fair and equitable manner while upholding confidentiality and accuracy. XXXXXXXX XXXX XXXX XXXX XXXX  XXXX actions in reporting this late payment contradict this requirement by creating an inaccurate record, which could result in undue harm to my creditworthiness and reputation. 
Violation of Payment Timing Protections ( 15 U.S.C. 1666b ) : According to 15 U.S.C. 1666b, a creditor can not mark a payment as late if it was received by XXXX XXXX on the due date in the correct amount and format. If XXXX XXXX XXXX XXXX XXXX  reported my payment as late when it met these criteria, they directly violated this provision, further compounding the unfairness of the reporting. 
Request for Resolution To rectify this unfair and inaccurate reporting, I request that XXXX XXXXXXXX XXXX XXXX XXXX XXXX -Remove the late payment entry from my credit report immediately. 
-Notify all relevant credit reporting agencies of this correction to ensure that my credit report accurately reflects my payment history. 
-This action is necessary to restore fairness and accuracy to my credit report, as required under the Fair Credit Reporting Act and the Truth in Lending Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Several times now I have requested that Citibank remove XXXX closed external bank accounts from my account and it's like speaking to a brick wall. I get foreign outsourced scriptreaders who are incompetent and unable to understand English. Ideally, this simple task SHOULD be one I can complete on my own, in my account online, but that would require intelligence and competence. I have called them, I have email Citibank Executive Customer relations and nothing has been done. I don't know what else to do here

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 2024-11-26 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: MS

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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: GA

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 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ACCOUNTS TO BE REMOVED XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX BALANCED {$680.00} ( Original Creditor : XXXX  ) XXXX BALANCED {$280.00} ( Original Creditor : XXXX XXXX ) XXXX BALANCED {$660.00} This account has resulted in several appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent account. I do not recognize the aforementioned account, as reported. The aforementioned account, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account is the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 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: NJ

Complaint narrative:
I reviewed my Consumer Reports and noticed I have incorrect items on my Consumer report that I was not aware of. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments and also I have no knowledge of these Fraudulent accounts and Fraudulent inquiries Please investigate and provide Proof with statements showing that these payments were late and that these Fraudulent accounts and Fraudulent inquiries are mine.

If proof can't be provided I demand these payment accounts and inquiries be updated too on time as they should be as I was NEVER Late and the Fraudulent account and Fraudulent inquiries I am a victim of the data breach and would like all accounts mentioned to be blocked and deleted pursuant to 15 USC 1681c-2 ( a ).

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: NJ

Complaint narrative:
I reviewed my Consumer Reports and noticed I have incorrect items on my Consumer report that I was not aware of. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments and also I have no knowledge of these Fraudulent accounts and Fraudulent inquiries Please investigate and provide Proof with statements showing that these payments were late and that these Fraudulent accounts and Fraudulent inquiries are mine.

If proof can't be provided I demand these payment accounts and inquiries be updated too on time as they should be as I was NEVER Late and the Fraudulent account and Fraudulent inquiries I am a victim of the data breach and would like all accounts mentioned to be blocked and deleted pursuant to 15 USC 1681c-2 ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MS

Complaint narrative:
In accordance with the Fair Credit Report act.The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc1681XXXXXXXX XXXX  account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX XXXX  account number XXXXXXXX XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX account number XXXXXXXX XXXX XXXXXXXX XXXX  account number XXXXXXXX XXXX XXXX XXXX  account number XXXX.Violated my rights.15 u.s.c.1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer 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 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently review a copy of my credit report and notice a fraudulent account from my report. Please remove these account on my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief