vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-15 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: MD

Complaint narrative:
Submission Date : XX/XX/year> Subject : Request for Complete Verification and Deletion of Inaccurate or Unverifiable Account Under FCRA Sections 609 and 611 Details of the Dispute : I am filing this dispute with the Consumer Financial Protection Bureau ( CFPB ) to request that XXXX, XXXX, and TransUnion verify the accuracy of the Dept. of Education/XXXX  account listed on my credit report. In accordance with my rights under Sections 609 and 611 of the Fair Credit Reporting Act ( FCRA ), I am requesting that each credit bureau take the following actions : 1. Chain of Custody Verification : Provide a verified chain of custody for the disputed account, including the transfer and handling details of any information shared by the original creditor.

2. Original Documentation with Wet Signature : Produce the original agreement for this account that contains my wet signature. Digital reproductions or records that lack this level of verification do not satisfy the requirements for verification under FCRA. 
3. Account Information Discrepancies : Remove any items that can not be 100 % verified, as required by law, including but not limited to inconsistent balances and inaccurate status updates.

The account in question : - Dept. of Education/XXXX ( Student Loan ) - Account Number : XXXX - Balance : {$40000.00} - Discrepancy : Late payments inaccurately affecting my credit score beyond FCRA 's permissible reporting limits.

Action Requested : I request that the CFPB enforce the following actions from each credit bureau : - Provide detailed verification for the account, specifically addressing the chain of custody and wet signature documentation. 
- Delete this account if it can not be verified to 100 % accuracy or does not meet FCRA requirements. - Confirm in writing that this unverifiable or inaccurate item has been removed from my credit reports if verification fails. 
I am attaching screenshots and supporting documentation for this disputed item to support this complaint. 
Thank you for your assistance in ensuring compliance with federal credit reporting laws and protecting my rights as a consumer. 
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 2024-11-15 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: MD

Complaint narrative:
Submission Date : XX/XX/year> Subject : Request for Complete Verification and Deletion of Inaccurate or Unverifiable Account Under FCRA Sections 609 and 611 Details of the Dispute : I am filing this dispute with the Consumer Financial Protection Bureau ( CFPB ) to request that XXXX, Equifax, and XXXX verify the accuracy of the Dept. of Education/XXXX account listed on my credit report. In accordance with my rights under Sections 609 and 611 of the Fair Credit Reporting Act ( FCRA ), I am requesting that each credit bureau take the following actions : 1. Chain of Custody Verification : Provide a verified chain of custody for the disputed account, including the transfer and handling details of any information shared by the original creditor.

2. Original Documentation with Wet Signature : Produce the original agreement for this account that contains my wet signature. Digital reproductions or records that lack this level of verification do not satisfy the requirements for verification under FCRA. 
XXXX. Account Information Discrepancies : Remove any items that can not be 100 % verified, as required by law, including but not limited to inconsistent balances and inaccurate status updates. 
The account in question : - Dept. of Education/XXXX  ( Student Loan ) - Account Number : XXXX - Balance : {$40000.00} - Discrepancy : Late payments inaccurately affecting my credit score beyond FCRA 's permissible reporting limits.

Action Requested : I request that the CFPB enforce the following actions from each credit bureau : - Provide detailed verification for the account, specifically addressing the chain of custody and wet signature documentation.

- Delete this account if it can not be verified to 100 % accuracy or does not meet FCRA requirements. - Confirm in writing that this unverifiable or inaccurate item has been removed from my credit reports if verification fails. 
I am attaching screenshots and supporting documentation for this disputed item to support this complaint. 
Thank you for your assistance in ensuring compliance with federal credit reporting laws and protecting my rights as a consumer. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Submission Date : XX/XX/2024 Subject : Request for Complete Verification and Deletion of Inaccurate or Unverifiable Account Under FCRA Sections 609 and 611 Details of the Dispute : I am filing this dispute with the Consumer Financial Protection Bureau ( CFPB ) to request that Experian, XXXX, and XXXX verify the accuracy of the Dept. of Education/XXXX account listed on my credit report. In accordance with my rights under Sections 609 and 611 of the Fair Credit Reporting Act ( FCRA ), I am requesting that each credit bureau take the following actions : 1. Chain of Custody Verification : Provide a verified chain of custody for the disputed account, including the transfer and handling details of any information shared by the original creditor. 
2. Original Documentation with Wet Signature : Produce the original agreement for this account that contains my wet signature. Digital reproductions or records that lack this level of verification do not satisfy the requirements for verification under FCRA. 
XXXX. Account Information Discrepancies : Remove any items that can not be 100 % verified, as required by law, including but not limited to inconsistent balances and inaccurate status updates. 
The account in question : - Dept. of Education/XXXX XXXX Student Loan ) - Account Number : XXXX - Balance : {$40000.00} - Discrepancy : Late payments inaccurately affecting my credit score beyond FCRA 's permissible reporting limits.

Action Requested : I request that the CFPB enforce the following actions from each credit bureau : - Provide detailed verification for the account, specifically addressing the chain of custody and wet signature documentation. 
- Delete this account if it can not be verified to 100 % accuracy or does not meet FCRA requirements. - Confirm in writing that this unverifiable or inaccurate item has been removed from my credit reports if verification fails. 
I am attaching screenshots and supporting documentation for this disputed item to support this complaint. 
Thank you for your assistance in ensuring compliance with federal credit reporting laws and protecting my rights as a consumer. 
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 explanation
Consumer complaint received 2024-11-15 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: DE

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : 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 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 2024-11-15 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: CA

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

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 2024-11-15 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: CA

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 2024-11-15 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: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
On XXXX a credit card for the amount of {$3000.00}, on XXXX a car loan for the amount of {$30000.00} and on XXXX another car loan for the amount of {$98000.00} was opened in my name without my knowledge or consent. I have reached out to all consumers and all 3 credit bureau insisting that they handle these fraudulent accounts respectfully. I have mailed all parties all the documents including police reports and FTC reports to hep wit this matter. XXXX and XXXX has since received all documents and removed these fraudulent accounts respectfully. XXXX responded back to me claiming that the consumers verified these fraudulent accounts which is a violation of my right under federal law 15USC1692c ( c ) I also spoke with a supervisor at XXXX XXXX XXXX Department by the name of XXXX XXXX which he responded that I need to contact consumer again and there was nothing he can do after who explained to me that all my paperwork was valid including police report. so I totally feel like I am being Biased towards me because I informed him that my rights was being violated and I was gon na file a complaint which made him claim that he was gon na put the dispute back in.. he refused to handle this matter professionally and I would like for someone to take over this matter respectfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Advanced Resolution Services Inc.
State: CA

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Personal information Also known as : 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 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 explanation
Consumer complaint received 2024-11-15 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 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: OH

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I always pay my bills on time, so Im not sure why this company is listing me as late for some months. According to USC 1666b, any errors should be corrected, and my account should be updated to " paid as agreed. ''

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 2024-11-15 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: CO

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 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: CA

Complaint narrative:
I am writing to request the blocking and deletion of fraudulent accounts from my credit report. I have been a victim of a data breach, and the accounts listed below were opened without my consent. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting these accounts be blocked and removed from my credit report. 
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 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 2024-11-15 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: CA

Complaint narrative:
I am writing to formally request the blocking and deletion of fraudulent accounts and inquiries from my credit report. I am a victim of a data breach, and the following account and inquiries were added without my authorization. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that these items be blocked and permanently removed from my credit file. 
Fraudulent Account : XXXX - XXXX - XXXX - $ XXXX Fraudulent Inquiries : XXXXXXXX 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 2024-11-15 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:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX, Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RFNA, LP
State: TN

Complaint narrative:
Republic Finance assigned my account to XXXX XXXX XXXX in XX/XX/year> and an Execution of Garnishment was issued XX/XX/year>. XXXX has been receiving {$130.00} every other week from my employer since XX/XX/year>. As of XX/XX/year>, XXXX has been paid {$1500.00} but Republic Finance is still reporting me as being late and my balance has not been adjusted to reflect what has been paid to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: SC

Complaint narrative:
I have tried to update my address to a mailable address XXXX refused to complete the request by stating all history is suppose to be reported to my account that it shouldnt be reporting accurately. I called on XX/XX/XXXX at XXXX XXXX XXXX. I have the documents ready to submit for my change! This is a violation of the FCRA and he stating that I maybe telling the truth and he will not remove it although it is reporting inaccurately.

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