vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-01 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XX/XX/year> Subject : Dispute of Charged-Off Account Request for Correction Dear Credit Bureaus, I am writing to formally dispute an inaccurate entry on my credit report as permitted under the Fair Credit Reporting Act ( FCRA ). My name is [ XXXX XXXX ], and my Social Security XXXX is [ XXXX ], and I am requesting your assistance in correcting this matter. 

Upon reviewing my credit report, I noticed a charged-off account listed under [ XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ] with the account number [ XXXX, XXXX, XXXX ]. This account is inaccurately reported as it has already been settled and paid by a third party. I have attached documentation that supports my claim. 

According to the FCRA, I have the right to dispute any information on my credit report that I believe to be inaccurate or incomplete. The reporting of a charged-off account that has been paid is a violation of this Act, as it misrepresents my credit history and negatively impacts my credit score.

I kindly request that you conduct a thorough investigation into this matter and update my credit report to accurately reflect the status of this account. Please confirm the resolution of this dispute in writing to my address above, and ensure that any necessary corrections are made to my credit report.

Thank you for your prompt attention to this issue. I look forward to your response and appreciate your cooperation in resolving this matter. 

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 2024-12-01 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: PA

Complaint narrative:
Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXXXXXX 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 Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : 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 These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, 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 non-monetary relief
Consumer complaint received 2024-12-01 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: NM

Complaint narrative:
I am disputing inaccuracies on my credit report regarding an account reported by XXXX XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate, complete, and verifiable reporting. Below are the issues I have identified : 1. Inconsistent Reporting Across Bureaus : The Date Opened differs : TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX This discrepancy violates the FCRAs requirement for accuracy and consistency in reporting.

2. Disputed Account Status : TransUnion : Account information disputed by consumer, meets FCRA requirements. 
XXXX : Customer disputed account - reported by subscriber. 
These comments are inconsistent and may mislead creditors about the resolution status of the dispute.

3. Outdated or Improper Reporting : The Date Last Active for XXXX is listed as XX/XX/XXXX, but the Last Reported date is XX/XX/XXXX. If no activity occurred since XXXX, the account may no longer be eligible for reporting under FCRA guidelines, as negative information ( e.g., collections ) must be removed after seven years from the date of first delinquency.

4. No Payment History Provided : There is no clear payment history or supporting data to indicate when the account became delinquent or how it reached Collection/Chargeoff status.

Violations of the Fair Credit Reporting Act ( FCRA ) : 1. 15 U.S.C. 1681e ( b ) : Failure to Ensure Maximum Possible Accuracy : Credit reporting agencies must maintain accurate and consistent reporting. The discrepancies in the Date Opened and inconsistent dispute comments violate this standard.

2. 15 U.S.C. 1681c ( a ) ( 4 ) : Reporting Obsolete Information : Negative information such as collections must not be reported after seven years from the date of first delinquency. If the accounts delinquency began in XXXX, it may be close to or past the allowable reporting period.

3. 15 U.S.C. 1681i ( a ) : Failure to Investigate Disputed Information : If the dispute was filed but the status remains inconsistent or inaccurate, this indicates a failure to properly investigate the dispute. 
XXXX. XXXX XXXX. XXXX ( a ) : XXXX XXXX XXXX : The furnisher ( XXXX XXXX XXXX XXXX be providing outdated or misleading information to the credit bureaus, especially regarding the accounts disputed and derogatory status.

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 2024-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
I am disputing inaccuracies on my credit report regarding an account reported by XXXX XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate, complete, and verifiable reporting. Below are the issues I have identified : 1. Inconsistent Reporting Across Bureaus : The Date Opened differs : XXXX : XX/XX/XXXX Experian : XX/XX/XXXX This discrepancy violates the FCRAs requirement for accuracy and consistency in reporting.

2. Disputed Account Status : XXXX : Account information disputed by consumer, meets FCRA requirements. 
Experian : Customer disputed account - reported by subscriber. 
These comments are inconsistent and may mislead creditors about the resolution status of the dispute.

3. Outdated or Improper Reporting : The Date Last Active for Experian is listed as XX/XX/XXXX, but the Last Reported date is XX/XX/XXXX. If no activity occurred since XXXX, the account may no longer be eligible for reporting under FCRA guidelines, as negative information ( e.g., collections ) must be removed after seven years from the date of first delinquency.

4. No Payment History Provided : There is no clear payment history or supporting data to indicate when the account became delinquent or how it reached Collection/Chargeoff status.

Violations of the Fair Credit Reporting Act ( FCRA ) : 1. 15 U.S.C. 1681e ( b ) : Failure to Ensure Maximum Possible Accuracy : Credit reporting agencies must maintain accurate and consistent reporting. The discrepancies in the Date Opened and inconsistent dispute comments violate this standard.

2. 15 U.S.C. 1681c ( a ) ( 4 ) : Reporting Obsolete Information : Negative information such as collections must not be reported after seven years from the date of first delinquency. If the accounts delinquency began in XXXX, it may be close to or past the allowable reporting period.

3. 15 U.S.C. 1681i ( a ) : Failure to Investigate Disputed Information : If the dispute was filed but the status remains inconsistent or inaccurate, this indicates a failure to properly investigate the dispute.

4. 15 U.S.C. 1681s-2 ( a ) : Furnishing Inaccurate Information : The furnisher ( XXXX XXXX XXXX may be providing outdated or misleading information to the credit bureaus, especially regarding the accounts disputed and derogatory status.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XX/XX/year> Subject : Dispute of Charged-Off Account Request for Correction Dear Credit Bureaus, I am writing to formally dispute an inaccurate entry on my credit report as permitted under the Fair Credit Reporting Act ( FCRA ). My name is [ XXXX XXXX ], and my Social Security XXXX is [ XXXX ], and I am requesting your assistance in correcting this matter. 

Upon reviewing my credit report, I noticed a charged-off account listed under [ XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ] with the account number [ XXXX, XXXX, XXXX ]. This account is inaccurately reported as it has already been settled and paid by a third party. I have attached documentation that supports my claim. 

According to the FCRA, I have the right to dispute any information on my credit report that I believe to be inaccurate or incomplete. The reporting of a charged-off account that has been paid is a violation of this Act, as it misrepresents my credit history and negatively impacts my credit score. 

I kindly request that you conduct a thorough investigation into this matter and update my credit report to accurately reflect the status of this account. Please confirm the resolution of this dispute in writing to my address above, and ensure that any necessary corrections are made to my credit report. 

Thank you for your prompt attention to this issue. I look forward to your response and appreciate your cooperation in resolving this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Block, Inc.
State: PA

Complaint narrative:
cashapp is the worst company ever when it comes to disputes when family tax relief perform no services whatsoever. They owe me {$150.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I closed my account with XXXX XXXX in 2019, I requested to make payments to pay off the balance. I never received anything from XXXX, I have only received collection letters from Transworld Systems. I requested an invoice for the collection and never received one.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: SC

Complaint narrative:
To your company I have sent in disputes for these account reporting on my consumer report. The accounts still have inaccuracies in the date of last activity. I have asked to have them deleted for violating the FCRA, BUT THIS DID NOT HAPPEN. ( I am now requesting THE METHOD OF VERIFICATION USED FOR EACH ACCOUNT LISTED IN THIS DISPUTE. ) IF YOU CAN NOT GIVE ME THE METHOD OF VERIFICATION WITHIN THE 15 DAYS ALLOWED, YOU WILL DELETE EACH ACCOUNT LISTED IMMEDIATELY. YOU HAVE 15 DAYS TO DELETE THESE ACCOUNTS OR I WILL BE SEEKING LEGAL REMEDY FOR DAMAGES UNDER THE FCRA. Delete : ( XXXX XXXX XXXX ) ( XXXX XXXX ) ( XXXX XXXX  ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- To your company I have sent in disputes for these account reporting on my consumer report. The accounts still have inaccuracies in the payment history. I have asked to have them updated to '' paid as agreed, paid on time, never late '' f BUT THIS DID NOT HAPPEN. ( I am now requesting THE METHOD OF VERIFICATION USED FOR EACH ACCOUNT LISTED IN THIS DISPUTE. ) IF YOU CAN NOT GIVE ME THE METHOD OF VERIFICATION WITHIN THE 15 DAYS ALLOWED, YOU WILL UPDATE DATE FOR EACH ACCOUNT IN THE PAYMENT HISTORY LISTED TO " PAID ON TIME, PAID AS AGREED, NEVER LATE '' IMMEDIATELY. YOU HAVE 15 DAYS TO UPDATE THESE ACCOUNTS TO PAID ON TIME, PAID AS AGREED, NEVER LATE OR I WILL BE SEEKING LEGAL REMEDY FOR DAMAGES UNDER THE FCRA. UPDATE : " ( DEPT OF ED/XXXX  ) 14 ACCOUNTS ''

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 2024-12-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: IN

Complaint narrative:
On XX/XX/2024 a fraudulent purchase was made using my affirm account for the amount of {$1400.00} plus interest, bringing the total to {$1600.00} for the 12 month installment loan. I have repeatedly attempted to appeal this loan and have provided every piece of evidence I can. I have provided a police report plus every email I received regarding the event. They continue to try to hold me responsible for the loan despite this and will not tell me what they need as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: NC

Complaint narrative:
Recently I did an investigation on my credit report and found several items that were inaccurate.Under 15 U.S code 1681e ( b ) accuracy of a report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information possibility accuracy of the information concerning the individual about whom the report relates. 15 U.S Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation 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 information that the information has been modified or deleted from the file of the consumer. in accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX under 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.PLEASE DELETE IMMEDIATELY XXXX FIX MY LIFE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: NC

Complaint narrative:
Recently I did an investigation on my credit report and found several items that were inaccurate.Under 15 U.S code 1681e ( b ) accuracy of a report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information possibility accuracy of the information concerning the individual about whom the report relates. 15 U.S Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation 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 information that the information has been modified or deleted from the file of the consumer. in accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX under 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.PLEASE DELETE IMMEDIATELY XXXX FIX MY LIFE

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