vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-10 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: KY

Complaint narrative:
Subject : Fraudulent Credit Reporting, Duplicate Account, and FCRA Violations Details of Complaint : I am filing this complaint against XXXX XXXX XXXX, Equifax, XXXX, XXXX, and XXXX XXXX XXXX for violating the Fair Credit Reporting Act ( FCRA ) and engaging in fraudulent credit reporting practices. 

Duplicate Account Reporting by XXXX XXXX XXXX  : I held a legitimate account with XXXX XXXX XXXX  that was paid in full, closed, and marked as " never late '', with a balance of {$610.00}, resolved through their insurance program. 
XXXX XXXX XXXX  fraudulently created and reported a duplicate account with an inflated balance of {$770.00}, which was then sold to XXXX XXXX for collections. 
Inconsistent and Misleading Reporting by CRAs : Equifax and XXXX initially reflected the accurate reporting of the original account but later removed the positive standing in late 2024. 
XXXX has failed to provide my credit report for more than XXXX months, violating 15 U.S.C. 1681g of the FCRA. 
Fraudulent Collection Activity by XXXX XXXX : XXXX XXXX reported a collection account based on the fraudulent duplicate account, despite the original account being resolved and closed. 
Failure to Investigate Disputes : I have disputed these inaccuracies through the CFPB and directly with the CRAs. However, they failed to investigate properly or resolve the issues, violating 15 U.S.C. 1681i and 1681e ( b ) of the FCRA.

Impact on My Consumer Rights : The creation and reporting of a duplicate account, coupled with the removal of accurate positive history, have significantly harmed my creditworthiness. This is a clear case of fraud, misrepresentation, and security fraud. 

Requested Actions : Immediate deletion of the duplicate account from all credit reports. 
Removal of the XXXX XXXX collection account tied to the fraudulent duplicate. 
Investigation into the practices of XXXX XXXX XXXX, Equifax, XXXX, XXXX, and XXXX XXXX  to ensure compliance with the FCRA. 
Additional Information : This matter has already been reported to the CFPB but remains unresolved. I seek the FTCs assistance to investigate these violations and hold the responsible parties accountable. 

I reported this to the FTC and will file a civil complaint if continue to report inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
Subject : Fraudulent Credit Reporting, Duplicate Account, and FCRA Violations Details of Complaint : I am filing this complaint against XXXX XXXX XXXX, XXXX, Experian, XXXX, and XXXX XXXX XXXX for violating the Fair Credit Reporting Act ( FCRA ) and engaging in fraudulent credit reporting practices. 

Duplicate Account Reporting by XXXX XXXX XXXX  : I held a legitimate account with XXXX XXXX XXXX  that was paid in full, closed, and marked as " never late '', with a balance of {$610.00}, resolved through their insurance program. 
XXXX XXXX XXXX  fraudulently created and reported a duplicate account with an inflated balance of {$770.00}, which was then sold to XXXX XXXX for collections. 
Inconsistent and Misleading Reporting by CRAs : XXXX and Experian initially reflected the accurate reporting of the original account but later removed the positive standing in late 2024. 
XXXX has failed to provide my credit report for more than XXXX months, violating XXXX U.S.C. 1681g of the FCRA.

Fraudulent Collection Activity by XXXX XXXX : XXXX XXXX reported a collection account based on the fraudulent duplicate account, despite the original account being resolved and closed. 
Failure to Investigate Disputes : I have disputed these inaccuracies through the CFPB and directly with the CRAs. However, they failed to investigate properly or resolve the issues, violating 15 U.S.C. 1681i and 1681e ( b ) of the FCRA.

Impact on My Consumer Rights : The creation and reporting of a duplicate account, coupled with the removal of accurate positive history, have significantly harmed my creditworthiness. This is a clear case of fraud, misrepresentation, and security fraud. 

Requested Actions : Immediate deletion of the duplicate account from all credit reports. 
Removal of the XXXX XXXX collection account tied to the fraudulent duplicate. 
Investigation into the practices of XXXX XXXX XXXX, XXXX, Experian, XXXX, and XXXX Funding to ensure compliance with the FCRA. 
Additional Information : This matter has already been reported to the CFPB but remains unresolved. I seek the FTCs assistance to investigate these violations and hold the responsible parties accountable. 

I reported this to the FTC and will file a civil complaint if continue to report inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I sent certified priority mail to XXXX asking that fraudulent items be removed from credit report. I sent out letters for each inquiry hard pulls and soft pulls I addressed to XXXX my concerns by phone and mail XX/XX/year> I did make XXXX aware that accounts in my credit report are fraudulent XXXX has aggressively disregarded my complaints and fraudulent items remain on my report hold back my financial opportunities.

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 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX Opened XX/XX/XXXX Balance XXXX - Charge off XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance XXXX - Charge off XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX - Charge off XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX {$110.00} - Charge off XXXXXXXX XXXX XXXX Balance XX/XX/XXXX Balance XXXX - Collection XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance XXXX - Collection XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance XXXX -Late/closed XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance XXXX -Late/closed XXXXE XXXX Date Opened XX/XX/XXXX Balance XXXX - Late/closed XXXX XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance XXXX - Late/Closed XXXX XXXX XXXX  XXXX XXXX Date XXXX XX/XX/XXXX Balance XXXX - Late/Closed XXXX XXXXXXXX Balance XX/XX/XXXX Balance XXXX - Late/Closed XXXX XXXX XX/XX/XXXXXXXX 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 2024-12-10 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.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I

am writing to formally request the blocking and deletion of accounts and inquiries listed below from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach and these accounts and inquiries are fraudulent. The following accounts must be blocked and deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX {$6600.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$3100.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$2500.00} UNAUTHORIZED COLLECTION - XXXX - XX/XX/XXXX - {$3000.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$2500.00} XXXX - XXXX - XX/XX/XXXX - {$2300.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$2300.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$1000.00} Additionally, the following inquiries must be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-12-10 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: KY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date of Birth : XXXX Last 4 of SSN : XXXX XXXX Dispute of Unauthorized Credit Inquiries. To Whom It May Concern, I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX. XXXX XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. Request I request that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. Enclosed is a copy of my identification to verify my identity. I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation. The 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.. 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. I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity. 
Best regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the 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 explanation
Consumer complaint received 2024-12-10 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: National Credit Systems,Inc.
State: MS

Complaint narrative:
National Credit System is reporting a collection/chargeoff on my credit profile from the advantage apartments.

First, the account date of last activity is XXXX. In Mississippi, the statute of limitation to collect on written debt is three years. As we are in XXXX, heading to XXXX, the statute of limitation to collect on this debt has expired. Therefore, legally there is no balance due to this company. I moved out of these apartments back in XXXXXXXX XXXX XXXXXXXX. 

Furthermore, the comments say customer dispute, but consumer disagrees XXXX is reporting the date of last activity as XXXX, XXXX reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX The date of last activity should reflect the last date a payment was made. There was no payments made after XX/XX/XXXX. Therefore each company is reporting an incorrect date of last activity and has in fact re-aged the date of last activity on this account. Therefore this is an FCRA violation and the dispute has not been resolved.

Furthermore, The FCRA demands that CRA use reasonable procedures to assure maximum possible accuracy of the information they report 15 U.S.C Section 1681 e ( b ).

When a consumer disputes an item of information, the agency must investigate the dispute, and of the information can not be verified delete. 15 U.S.C Section 1681i Further national credit systems can not try to not adhere to the FCRA standards when they are reporting the account as a CHARGE-OFF on my credit profile.

Futuremore, it is a violation for a COLLECTION company to report TIME BARRED DEBT.

if I were to consult an Consumer law attorney I could be aware damages for reporting time barred debt, reporting debt after the statute of limitation has expired, which would include monetary damages, removal of incorrect reporting, attorney fees, and statutory damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : Personal Information Also Known As : XXXX XXXX Also Known As : XXXX, XXXXXXXX XXXX Also Known As : XXXXXXXX XXXX XXXX Also Known As : XXXX XXXX Former : XXXX XXXX XXXX Former : XXXX XXXX XXXX Collection/Charge Off XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XX/XX/XXXX {$800.00} XXXX XXXX XX/XX/XXXX {$680.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$200.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$11000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$1100.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX XX/XX/XXXX {$450.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$800.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$480.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XX/XX/XXXX {$540.00} XXXX XXXX XX/XX/XXXX {$10000.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX {$0.00} Bankruptcy XXXX  XXXX Bankruptcy XX/XX/XXXX XXXX XXXX Bankruptcy Court XXXX  XXXX Bankruptcy XX/XX/XXXX XXXX U.S. Bankruptcy Court XXXX  XXXX Bankruptcy XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXXXX/XX/XXXX {$0.00} XXXX XXXX XXXXXX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-12-10 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. List all accounts : "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to inform you that I am a victim of a data breach, and I have identified several fraudulent accounts and inquiries reported on my credit file. As these accounts and inquiries are a result of unauthorized activity, I am requesting that they be immediately blocked and deleted in accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ).

Below are the specific accounts and inquiries that I request to be deleted : Fraudulent Accounts : XXXX. XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX XXXX XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1000.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1900.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$13000.00} Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX 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