vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-10 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: OH

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Complaint Letter to CFPB : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TEXAS XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Subject : Complaint Regarding Failure to Remove Inaccurate Information from My Credit Report Complaint Against : XXXX, Experian, XXXX Dear Sir or Madam, I am writing to file a formal complaint under the Fair Credit Reporting Act ( FCRA ) regarding the failure of credit reporting agencies XXXX, Experian, and XXXX to remove inaccurate information from my credit report, despite multiple requests. The inaccurate information is negatively affecting my ability to access credit. 
On XXXX, I contacted each of the aforementioned credit reporting agencies and submitted a formal dispute concerning accurate address, incorrect late payment report, inaccurate account balance, inaccurate names XXXX XXXX XXXX XXXX XXXX XXXX and a bankruptcy that has been removed by XXXX per the Fair Credit Reporting Act, while the others have refused sighting some third party that I have not given any permission to investigate my private rights. I provided all necessary documentation to support my dispute, including the INQUIRY REMOVEL, BANKRUPTCY REMOVAL as well as their responses. However, the credit reporting agencies have failed to remove or correct the disputed information within the required timeframe. 
This continued reporting of inaccurate information violates my rights under the Fair Credit Reporting Act. I have suffered financial damages, such as denial of credit or increased interest rates, reduction in credit limits and denial of financing for personal and business financing, due to their failure to comply with their obligations under the law. 
I respectfully request the Consumer Financial Protection Bureau to investigate this matter and take the necessary actions to ensure that the credit reporting agencies correct the inaccurate information on my credit report. I also request that any damages caused by this failure be addressed. 
Please find attached copies of the disputes, correspondence, and other supporting documents related to this issue. 
Thank you for your attention to this matter. I look forward to your prompt assistance in resolving this issue. 
Sincerely, XXXX XXXX ; XXXX XXXX/ Without Prejudice Enclosed : Copies of correspondence, credit report, dispute documentation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 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: FL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-09-10 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: OH

Complaint narrative:
This affidavit serves as my formal and urgent demand for immediate action regarding fraudulent accounts and erroneous personal information listed in my Equifax consumer file. Your failure to prevent the inclusion of this false data is a violation of multiple sections of the Fair Credit Reporting Act ( FCRA ), and I expect this matter to be resolved without further delay. 
Violations of the Fair Credit Reporting Act ( FCRA ) : 1. Section 605B ( 15 U.S. Code 1681c-2 ) As a victim of identity theft, I have the right to request and demand the blocking of fraudulent information from my consumer file. Your failure to remove these fraudulent accounts is a direct violation of this section.

2. Section 609 ( 15 U.S. Code 1681g ) This section mandates that consumer reporting agencies must provide accurate and complete disclosure of all information in the consumer 's file upon request. Your continued reporting of false and fraudulent information violates this provision, as the data in my file is inaccurate.

3. Section 611 ( 15 U.S. Code 1681i ) Under this section, Equifax is required to investigate disputed information within 30 days. Your lack of proper investigation and failure to remove erroneous entries demonstrates negligence and is a breach of your legal obligations. 
4. Section 607 ( b ) ( 15 U.S. Code 1681e ( b ) ) This section requires you to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual. Your blatant disregard for this responsibility by reporting false

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2024-09-10 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: MO

Complaint narrative:
To Whom It May Concern : I request you provide me with proof of these alleged payments being late. If unable to provide or lacking proof of this payment being late, update payment history to paid as agreed never late ( PAANL ). Account ( XXXX XXXX XXXX ). Please provide detailed descriptions of all procedures used in your process to determine complete accuracy of information reported. 
Once you have finished your investigations, send me an update credit report to the address stated above. Thank you. 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 2024-09-10 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: MO

Complaint narrative:
To Whom It May Concern : I request you provide me with proof of these alleged payments being late. If unable to provide or lacking proof of this payment being late, update payment history to paid as agreed never late ( PAANL ). Account ( XXXX XXXX XXXX ). Please provide detailed descriptions of all procedures used in your process to determine complete accuracy of information reported. 
Once you have finished your investigations, send me an update credit report to the address stated above. Thank you. Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 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: MO

Complaint narrative:
To Whom It May Concern : I request you provide me with proof of these alleged payments being late. If unable to provide or lacking proof of this payment being late, update payment history to paid as agreed never late ( PAANL ). Account ( XXXX XXXX XXXX ). Please provide detailed descriptions of all procedures used in your process to determine complete accuracy of information reported. 
Once you have finished your investigations, send me an update credit report to the address stated above. Thank you. 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 2024-09-10 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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. ''

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 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Complaint Letter to CFPB : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TEXAS XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Complaint Regarding Failure to Remove Inaccurate Information from My Credit Report Complaint Against : XXXX, XXXX, TransUnion Dear Sir or Madam, I am writing to file a formal complaint under the Fair Credit Reporting Act ( FCRA ) regarding the failure of credit reporting agencies XXXX, XXXX, and TransUnion to remove inaccurate information from my credit report, despite multiple requests. The inaccurate information is negatively affecting my ability to access credit. 
On XXXX, I contacted each of the aforementioned credit reporting agencies and submitted a formal dispute concerning accurate address, incorrect late payment report, inaccurate account balance, inaccurate names XXXX XXXX XXXX XXXX XXXX XXXX and a bankruptcy that has been removed by TransUnion per the Fair Credit Reporting Act, while the others have refused sighting some third party that I have not given any permission to investigate my private rights. I provided all necessary documentation to support my dispute, including the INQUIRY REMOVEL, BANKRUPTCY REMOVAL as well as their responses. However, the credit reporting agencies have failed to remove or correct the disputed information within the required timeframe. 
This continued reporting of inaccurate information violates my rights under the Fair Credit Reporting Act. I have suffered financial damages, such as denial of credit or increased interest rates, reduction in credit limits and denial of financing for personal and business financing, due to their failure to comply with their obligations under the law. 
I respectfully request the Consumer Financial Protection Bureau to investigate this matter and take the necessary actions to ensure that the credit reporting agencies correct the inaccurate information on my credit report. I also request that any damages caused by this failure be addressed. 
Please find attached copies of the disputes, correspondence, and other supporting documents related to this issue. 
Thank you for your attention to this matter. I look forward to your prompt assistance in resolving this issue. 
Sincerely, XXXX XXXX ; XXXX XXXX/ Without Prejudice Enclosed : Copies of correspondence, credit report, dispute documentation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Complaint Letter to CFPB : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TEXAS XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX, DC XXXX Subject : Complaint Regarding Failure to Remove Inaccurate Information from My Credit Report Complaint Against : Equifax, XXXX, XXXX Dear Sir or Madam, I am writing to file a formal complaint under the Fair Credit Reporting Act ( FCRA ) regarding the failure of credit reporting agencies Equifax, XXXX, and XXXX to remove inaccurate information from my credit report, despite multiple requests. The inaccurate information is negatively affecting my ability to access credit. 
On XXXX, I contacted each of the aforementioned credit reporting agencies and submitted a formal dispute concerning accurate address, incorrect late payment report, inaccurate account balance, inaccurate names XXXX XXXX XXXX XXXX XXXX XXXX and a bankruptcy that has been removed by XXXX per the Fair Credit Reporting Act, while the others have refused sighting some third party that I have not given any permission to investigate my private rights. I provided all necessary documentation to support my dispute, including the INQUIRY REMOVEL, BANKRUPTCY REMOVAL as well as their responses. However, the credit reporting agencies have failed to remove or correct the disputed information within the required timeframe. 
This continued reporting of inaccurate information violates my rights under the Fair Credit Reporting Act. I have suffered financial damages, such as denial of credit or increased interest rates, reduction in credit limits and denial of financing for personal and business financing, due to their failure to comply with their obligations under the law. 
I respectfully request the Consumer Financial Protection Bureau to investigate this matter and take the necessary actions to ensure that the credit reporting agencies correct the inaccurate information on my credit report. I also request that any damages caused by this failure be addressed. 
Please find attached copies of the disputes, correspondence, and other supporting documents related to this issue. 
Thank you for your attention to this matter. I look forward to your prompt assistance in resolving this issue. 
Sincerely, XXXX XXXX ; XXXX XXXX/ Without Prejudice Enclosed : Copies of correspondence, credit report, dispute documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 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: TX

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2024-09-10 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: NJ

Complaint narrative:
Recently I looked at a copy of my credit report and noticed a incorrect accounts. I feel that this accounts is adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX. XXXX XXXX XXXX  - Account number : XXXX After your investigation is complete, please send me the results via mail. 
Thank you in advance.

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 2024-09-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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. ''

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