vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There is a fraudulent collection account reported on my credit report. I have contacted the creditor, collection agency, and credit bureaus disputing this and requesting proof of my owing this money, but neither party has provided evidence. The credit bureaus keep claiming that they have investigated this and confirmed it, but they have not provided the methods used to verify as I have requested, and the collection remains on my credit report. I have written letters, emails, online disputes, etc. to no avail.

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 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I never gave your company permissible purpose 15 Usc 1681b this inaccurate information listed below has affected my livelihood 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 non-monetary relief
Consumer complaint received 2025-01-12 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Unauthorized inquires on my account that i didnt initiate or approve. 
usc XXXXXXXX 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 explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this actually an account that belongs to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have submitted several disputes with XXXX, via certified mail & on the app but theyre failing to do a proper investigation or will update the account even when I give proof the account isnt mine or it was resolved

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 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have submitted several disputes with XXXX, via certified mail & on the app but theyre failing to do a proper investigation or will update the account even when I give proof the account isnt mine or it was resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: AZ

Complaint narrative:
To : XXXX XXXX XXXX XXXX : Request for Deletion of Unverified Late Payments from XXXX XXXX Bank Account Dear Credit Reporting Agencies, I am writing to formally request the removal of XXXX late payments reported on my XXXX XXXXXXXX XXXX account from my credit report. These late payments are currently listed on my XXXX, XXXX, and TransUnion reports ; however, the account does not appear on my XXXX report. This discrepancy suggests that the information may be incomplete or inaccurate.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ), credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. The absence of this account on my XXXX report raises concerns about the accuracy and completeness of the data being reported by your agency. 

Furthermore, the FCRA 609 grants consumers the right to request the disclosure of information in their credit file, and 611 provides the right to dispute inaccurate information. I am exercising these rights to dispute the late payments reported on my Avant Web Bank account and request their removal from my credit report.

If these late payments can not be verified as accurate and complete within XXXX days, the FCRA 611 ( a ) ( 5 ) ( A ) mandates that the information must be promptly deleted from the consumers credit file. Failure to comply with this requirement may result in legal action, as FCRA 616 and 617 provide consumers the right to seek damages for willful or negligent noncompliance with the Act.

Please investigate this matter and remove the unverified late payments from my credit report within XXXX days. If you determine that the information is accurate, I request that you provide me with documentation verifying its accuracy.

If this issue is not resolved within the specified timeframe, I will consider filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and may pursue further legal remedies to protect my rights as a consumer.

Thank you for your prompt attention to this matter. I look forward to your 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 non-monetary relief
Consumer complaint received 2025-01-12 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: AZ

Complaint narrative:
To : XXXX XXXX XXXX Subject : Request for Deletion of Unverified Late Payments from XXXXXXXX XXXX XXXX  Account Dear Credit Reporting Agencies, I am writing to formally request the removal of XXXX late payments reported on my XXXX XXXX XXXX  account from my credit report. These late payments are currently listed on my XXXX, Equifax, and XXXX reports ; however, the account does not appear on my XXXX report. This discrepancy suggests that the information may be incomplete or inaccurate.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ), credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. The absence of this account on my XXXX report raises concerns about the accuracy and completeness of the data being reported by your agency. 

Furthermore, the FCRA 609 grants consumers the right to request the disclosure of information in their credit file, and 611 provides the right to dispute inaccurate information. I am exercising these rights to dispute the late payments reported on my Avant Web Bank account and request their removal from my credit report. 

If these late payments can not be verified as accurate and complete within XXXX days, the FCRA 611 ( a ) ( 5 ) ( A ) mandates that the information must be promptly deleted from the consumers credit file. Failure to comply with this requirement may result in legal action, as FCRA 616 and 617 provide consumers the right to seek damages for willful or negligent noncompliance with the Act.

Please investigate this matter and remove the unverified late payments from my credit report within XXXX days. If you determine that the information is accurate, I request that you provide me with documentation verifying its accuracy. 

If this issue is not resolved within the specified timeframe, I will consider filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and may pursue further legal remedies to protect my rights as a consumer. 

Thank you for your prompt attention to this matter. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: MI

Complaint narrative:
I have un authorized inquires that need to be deleted per USC 1681 B XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: GA

Complaint narrative:
I, XXXX XXXX XXXX, am writing to formally dispute and report fraudulent accounts and unauthorized activity appearing on my consumer credit reports with XXXX, Experian, and XXXX. These accounts were not opened or authorized by me, and I have never had any dealings or agreements with the entities listed below. 

I assert my rights under the Fair Credit Reporting Act ( FCRA ) and demand a thorough investigation and resolution of this matter. The FCRA ( 15 U.S.C. 1681 ) ensures my right to dispute and correct inaccurate information on my credit report and obligates credit reporting agencies and creditors to address fraudulent activity.

The fraudulent accounts and hard inquiries appearing on my credit reports are as follows : XXXX XXXX XXXX XXXX Account No. # # # # # # XXXX XXXX XXXX Account XXXX. # # # # # # XXXX Experian XXXX XXXX Account No. XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX XXXX Account No. XXXX XXXX XXXX Account No. XXXX XXXX XXXX Account No. XXXX XXXX XXXX XXXX Account No. XXXX XXXX XXXX Account No. XXXX XXXX XXXX XXXX XXXXXXXX Account No. XXXX XXXX XXXX Account No. XXXX XXXX XXXX Account No. XXXX XXXX XXXX [ Account Details Unavailable ] XXXX XXXX XXXX [ Account Details Unavailable ] These fraudulent accounts have also resulted in several unauthorized hard inquiries and collections accounts that are negatively impacting my creditworthiness. 

Actions Requested : Immediate Removal : I demand the removal of all fraudulent accounts, inquiries, and collections items associated with them from my credit reports.

Investigation : Conduct a full investigation into these accounts and inquiries, and notify me of the results promptly.

Prevent Further Damage : Flag my credit reports to prevent any future fraudulent activity.

Supporting Documentation : To assist with your investigation, I have attached the following : A copy of my government-issued ID. 
A recent utility bill or proof of residence. 
A copy of my credit reports highlighting the disputed accounts. 
Under the FCRA, you are required to investigate my dispute within XXXX days. Please provide written confirmation once the fraudulent items have been removed, along with an updated copy of my credit report reflecting these corrections. 

I trust that you will take this matter seriously and act promptly to resolve this issue. I can be reached at the contact information above if further documentation or clarification is needed. 

Certification : I affirm, under penalty of perjury, that the information provided in this affidavit is true and accurate to the best of my knowledge.

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 2025-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma, LLC
State: IN

Complaint narrative:
Wont let me access my funds by transferring to another account i have with another bank

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: NY

Complaint narrative:
Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Complaint Details : I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by TransUnion Consumer Solutions. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Account Number : XXXX XXXX XXXX XXXX Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed in my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorney fees, and possible punitive damages, for failure to comply with the Act 's requirements

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 2025-01-12 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: NY

Complaint narrative:
Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Complaint Details : I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by EXPERIAN. I believe these late payments are erroneous and do not accurately reflect my payment history.

Account Number : XXXX XXXX Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed in my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in auto-pay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishes correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorney fees, and possible punitive damages, for failure to comply with the Act 's requirements.

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 2025-01-12 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: NY

Complaint narrative:
Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Complaint Details : I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by EXPERIAN. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Account Number : XXXX XXXX Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed in my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in auto-pay for all my accounts. 

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishes correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorney fees, and possible punitive damages, for failure to comply with the Act 's requirements.

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 2025-01-12 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 : Dispute of Credit Report Information and Request for Blocking Under FCRA 605 ( b ) Dear CFPB Team : I am writing to formally dispute inaccurate information on my credit report and to request the immediate blocking of this information pursuant to FCRA 605 ( b ). This provision requires that inaccurate, fraudulent, or identity theft-related information be blocked from my credit file when supported by proper documentation. 

The specific account ( s ) in question include : XXXX XXXX XXXX XXXXAccount Number : XXXX This information does not belong to me and appears to be the result of identity theft or an error in reporting. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to protections that safeguard my credit report from inaccurate or fraudulent entries. Specifically 1. FCRA 605 ( b ) : Blocking Information from Identity Theft * CRAs are required to block disputed information if a consumer provides : * A valid police report or identity theft affidavit, * Sufficient proof of identity, and * A clear statement identifying the disputed information. 
* CRAs must block the information within XXXX business days of receiving the required documentation. 
2. FCRA 611 : Procedures for Resolving Disputes * This section mandates that CRAs investigate disputes within 30 days and delete unverifiable or inaccurate information.

3. FCRA 609 ( e ) : Requirements for Identity Theft Victims * Consumers are entitled to access the fraudulent account details upon request.

* I formally request the following : 1. The immediate blocking of the disputed information under FCRA 605 ( b ).

2. Confirmation in writing that the disputed information has been removed and will not reappear on my credit report.

3. A revised copy of my credit report reflecting these corrections.

Please note that failure to comply with the FCRA could result in penalties, including statutory damages, punitive damages, and attorneys fees. I trust that the CFPB will ensure my rights are upheld and that this matter will be resolved promptly.

Thank you for your prompt attention to this urgent matter.

Company response to consumer: Closed with explanation