vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-06 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: FL

Complaint narrative:
I am disputing several inaccuracies on my credit report reported by various companies. These inaccuracies include unverifiable negative account entries and outdated personal information, which persist despite my prior disputes under the Fair Credit Reporting Act ( FCRA ). These inaccuracies have caused harm to my creditworthiness, leading to potential denials of credit and unfavorable financial terms. 



Key Issues : XXXX. Negative Account Information : Certain accounts, including those reported by XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX, are listed as charge-offs with inconsistent and unverifiable balances and reporting. 

For example, XXXX XXXX XXXX reports a charge-off of {$88000.00} with a balance of {$97000.00} as of XX/XX/year>, which is inconsistent and raises questions about the accuracy of the reporting under FCRA standards XXXX 

XXXX. Outdated Personal Information : My credit report contains multiple outdated addresses and name variations that are no longer accurate. Examples include incorrect variations of my name and addresses, which contribute to confusion and potential errors in my credit profile. 

Applicable Legal Standards : Under the FCRA ( 15 U.S.C. 1681 ), consumer reporting agencies and furnishers are required to ensure that all information reported is accurate, complete, and verifiable. If the information can not be verified, it must be corrected or removed. These inaccuracies and the failure to properly investigate my prior disputes violate these legal standards. 

Resolution Sought : I respectfully request the following actions : XXXX. Immediate removal of all unverifiable and inaccurate negative entries, including but not limited to accounts reported by XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX. 

XXXX. Correction of my personal information to reflect only accurate, up-to-date details. 

XXXX. Written confirmation of the resolution within the statutory timeline. 



These actions are necessary to ensure compliance with federal law and to protect my rights as a consumer.

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 2024-12-06 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: FL

Complaint narrative:
I am disputing several inaccuracies on my credit report reported by various companies. These inaccuracies include unverifiable negative account entries and outdated personal information, which persist despite my prior disputes under the Fair Credit Reporting Act ( FCRA ). These inaccuracies have caused harm to my creditworthiness, leading to potential denials of credit and unfavorable financial terms. 



Key Issues : XXXX. Negative Account Information : Certain accounts, including those reported by XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, are listed as charge-offs with inconsistent and unverifiable balances and reporting. 

For example, XXXX XXXX XXXX reports a charge-off of {$88000.00} with a balance of {$97000.00} as of XX/XX/year>, which is inconsistent and raises questions about the accuracy of the reporting under FCRA standards XXXX 

XXXX. Outdated Personal Information : My credit report contains multiple outdated addresses and name variations that are no longer accurate. Examples include incorrect variations of my name and addresses, which contribute to confusion and potential errors in my credit profile. 

Applicable Legal Standards : Under the FCRA ( 15 U.S.C. 1681 ), consumer reporting agencies and furnishers are required to ensure that all information reported is accurate, complete, and verifiable. If the information can not be verified, it must be corrected or removed. These inaccuracies and the failure to properly investigate my prior disputes violate these legal standards. 

Resolution Sought : I respectfully request the following actions : XXXX. Immediate removal of all unverifiable and inaccurate negative entries, including but not limited to accounts reported by XXXX XXXX XXXXXXXX XXXX XXXX, and XXXX XXXX. 

XXXX. Correction of my personal information to reflect only accurate, up-to-date details. 

XXXX. Written confirmation of the resolution within the statutory timeline. 



These actions are necessary to ensure compliance with federal law and to protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 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:
I been disputing this I them for XXXX years I told XXXX this is fraud I have no knowledge of this account I attach all document an I want this account to be remove please. 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 2024-12-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i did speak to four different companies about four different accounts on my credit report and they all said i have to pay and i let them know i have no knowledge of those accounts and i also asked for a wet seal letter and was denied, one account i cant even get in contact with the company about the account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 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: LA

Complaint narrative:
Please take immediate action to block and delete the following accounts and inquiries from my credit file : Accounts to be blocked and deleted : XXXX. XXXX  XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$290.00} XXXX. XXXX   XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$230.00} XXXX. XXXX  XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$260.00} XXXX. XXXX  XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$48.00} XXXX. XXXX OF XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$00.00} XXXX. XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$00.00} XXXX. XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$2000.00} XXXX. XXXX XXXX Account XXXX : XXXX Open Date : XX/XX/XXXX Balance : {$460.00} XXXX. XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$00.00} XXXX. XXXX XXXX Account XXXX : XXXX Open Date : XX/XX/XXXX Balance : {$910.00} XXXX. XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$240.00} Inquiries to be blocked and deleted : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 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: LA

Complaint narrative:
Please take immediate action to block and delete the following accounts and inquiries from my credit file : Accounts to be blocked and deleted : XXXX XXXX XXXXXXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$290.00} XXXX. XXXX  XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$230.00} XXXX. XXXX  XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$260.00} XXXX. XXXX  XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$48.00} XXXX. XXXX XXXX XXXXXXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$00.00} XXXX. XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$00.00} XXXX. XXXX Account Number : XXXX XXXX Date : XX/XX/XXXX Balance : {$2000.00} XXXX. XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$460.00} XXXX. XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$00.00} XXXX. XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$910.00} XXXX. XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$240.00} Inquiries to be blocked and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-12-06 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: MI

Complaint narrative:
Car was turned over to XXXX XXXX on XX/XX/XXXX. XXXX immediately sold the vehicle but did not provide updates on balance and status. After reaching out to the company several times, I was finally given information with updated balance in XX/XX/XXXX, and told that it would be updated with the credit reporting companies within 30 days. Since then, I have been given a difficult time by this company, and they keep saying they will update the balance information with credit reporting agencies but have not. I have last spoken with XXXX on XX/XX/XXXX, and the issue is still not addressed. I have a letter from XXXX stating the updated balance.

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 2024-12-06 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: DC

Complaint narrative:
In pursuant to 15 USC 1681i XXXX has violated rights by not reinvestigating my dispute. If the reinvestigation does not resolve the dispute, the consumer may file a brief statement setting forth the nature of the dispute. The consumer reporting agency may limit such statements to not more than one hundred words if it provides the consumer with assistance in writing a clear summary of the dispute. If it fails to " follow reasonable procedures to assure maximum possible accuracy '' in preparing the report. The court cited to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ithout a consumer report, there is no duty under the [ FCRA ] to follow reasonable procedures, XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Method of Verification- Please provide the name and phone number of each of the Debt Collectors Representative listed below so that I can following up with the re-investigation of the inaccurate accounts. 

XXXX XXXX XXXX  Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Please See Attached Documentation

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 2024-12-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Macy 's XXXX XXXX XXXXXXXX, for the months of XXXX, XXXX, XXXX and XX/XX/year> charged my account {$2.00} per month without my knowledge or authorization AND then reported me to the credit agencies as paying late which in turn seriously downgraded my excellent credit score from the 800s down to the low 700s. I've had excellent credit scores for a while and have NEVER paid late on an account! Because I never charged anything on this card during that time AND because I never authorized those charges I was never aware of those bogus charges until after the fact when they sent me an email. I called to delete those charges and ask for an explanation for those charges and was never given a reason for those charges and the refused to delete them.

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 monetary relief
Consumer complaint received 2024-12-06 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: GA

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

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 2024-12-06 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: EQUIFAX, INC.
State: MO

Complaint narrative:
These inquiries were not authorized by me, and I did not communicate with this under the specified date

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 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: Conn's, Inc.
State: AZ

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: OR

Complaint narrative:
I have called both Nelnet and the XXXX XXXX XXXX Department multiple times in the past month or two regarding my student loan discharge. I received loan forgiveness and repayment due to attending the XXXX XXXX. I wanted to know when my loans will be officially fallen off my credit and when I will receive my repayment. I have received one paycheck in the mail for XXXX a few weeks ago after being led to believe that I would be seeing the whole the amount refunded on one check. I called back several times being pushed around in circles and for some reason no one has any answers on how the payments will be processed and how many payments there will be in total or when any of this will occur. Nelnet tells me to call FSA and FSA says Nelnet is the only one the answers. Its so frustrating and there is no way there isnt an answer to this. After being taken advantage of both Nelnet and the XXXX XXXX, I can not let this happen again. I was a Pell grant student and all my loans were direct federal loans. Taking advantage of young adults from low income families trying to get an education is shameful. Nelnet has been given the opportunity to make things right and is stumbling to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Failure to correct personal information and validate debt

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IL

Complaint narrative:
This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. 
Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3 rd parties you are damaging my reputation and damaging my creditworthiness.

Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed.

Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have & quot; verified & quot ; the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Capital Recovery Corporation
State: SC

Complaint narrative:
XX/XX/year> at XXXX I was contacted via text message allegedly owing a debt to Capital Recovery Corp . However, the initial message had typos in the message with a link to click for more information. In the days of phishing and smishing, I have been trained not to click on links or acknowledge any unsolicited messages or emails. 

The follow up message came today XX/XX/year> at XXXX, with a balance alert for XXXX XXXX XXXX apparently owing the debt to XXXX XXXX XXXX Acct # XXXX for {$150.00} with another link to click. Again, I didn't click the link nor have I been to this medical facility and I am most certainly not XXXX. There was also a number I could call but declined ; XXXX and the usual opt out STOP request. As mentioned, I don't interact with unsolicited messages, links or opt out choices, as that confirms they have reached a valid phone number. 

The short code that the message was sent from was XXXX.

Company response to consumer: Closed with explanation