vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-24 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: IL

Complaint narrative:
I disputed this account with Equifax on XX/XX/XXXX because it is reporting an inaccurate last payment.I received the result of the dispute on XX/XX/XXXX and it came back the same, last payment XX/XX/XXXX. I called Equifax, the rep stated that the account is inaccurate but we can't remove it. I stated that i have the right to an accurate report under 15 U.S.C 1681i, the rep stated that they still can't remove it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One credit card reports a XXXX day late from XX/XX/year>. But I was never late on any payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: FL

Complaint narrative:
I notice on my credit report a inquiry that i didn't not recognize with a company i never heard of in i would like it removed from my trans union report.

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 2024-07-24 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: MS

Complaint narrative:
This is NOT a duplicate report and this is not filed by a XXXX party or XXXX XXXX XXXX. 
In Accordance with the Fair Credit Reporting Act Convergent these accounts below has Violated my rights according to 15 U.S.C 1681 section XXXX A States i have the right to privacy 15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, please provide the following XXXX Original Contract with my Signature on it XXXX information ( Name, Address and Phone Number of Original Merchant XXXX Payment History and Itemized Billing Associated with Each Account XXXX Of Ownership ( Proof That The Company Trying to Collect This Debt Has Authorization To Do So ) If you can't provide these XXXX things please delete these accounts from my credit report.Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
This is NOT a duplicate report and this is not filed by a XXXX party or XXXX XXXX XXXX. 
In Accordance with the Fair Credit Reporting Act Convergent these accounts below has Violated my rights according to 15 U.S.C 1681 section 602 A States i have the right to privacy 15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, please provide the following XXXX Original Contract with my Signature on it XXXX information ( Name, Address and Phone Number of Original Merchant XXXX Payment History and Itemized Billing Associated with Each Account XXXX Of Ownership ( Proof That The Company Trying to Collect This Debt Has Authorization To Do So ) If you can't provide these XXXX things please delete these accounts from my credit report.Thanks

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 2024-07-24 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: MO

Complaint narrative:
I am writing to formally lodge a follow up complaint regarding the unresolved inaccuracies on my credit report despite multiple attempts to correct them. This is my multiple attempt to dispute the incorrect late open account and the late closed accounts that continue to appear on my report. On numerous occasions, I have provided all necessary documentation and followed all required procedures to have these inaccuracies corrected. Despite my persistent efforts, the errors remain uncorrected. This has caused significant damage to my credit score and has affected my ability to obtain credit. In accordance with the Fair Credit Reporting Act ( FCRA ), I request that these inaccuracies be investigated and corrected immediately. Please acknowledge receipt of this complaint and provide a detailed update on the actions being taken to resolve these disputes. I expect a resolution within the statutory 30-day period as mandated by the FCRA. Kindly help me correct the late open account and remove the late closed accounts as soon as possible : 1. US XXXX XXXX XXXX XXXXXXXX Balance : {$160000.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 
XXXX. XXXX XXXX XXXX XXXX Balance : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and account status. I believe this information may be inaccurate. I need this deleted now

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 2024-07-24 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: MO

Complaint narrative:
I am writing to formally lodge a follow up complaint regarding the unresolved inaccuracies on my credit report despite multiple attempts to correct them. This is my multiple attempt to dispute the incorrect late open account and the late closed accounts that continue to appear on my report. On numerous occasions, I have provided all necessary documentation and followed all required procedures to have these inaccuracies corrected. Despite my persistent efforts, the errors remain uncorrected. This has caused significant damage to my credit score and has affected my ability to obtain credit. In accordance with the Fair Credit Reporting Act ( FCRA ), I request that these inaccuracies be investigated and corrected immediately. Please acknowledge receipt of this complaint and provide a detailed update on the actions being taken to resolve these disputes. I expect a resolution within the statutory 30-day period as mandated by the FCRA. Kindly help me correct the late open account and remove the late closed accounts as soon as possible : 1XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$160000.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 
XXXX. XXXX XXXX XXXX XXXX Balance : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and account status. I believe this information may be inaccurate. I need this deleted now

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 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:
The following is reporting inaccurately to my credit. XXXX XXXXXXXX XXXX Account number XXXX is reporting an account which is NOT ME XXXX NOT MY LEGAL NAME. They are damaging my credit. My name is " XXXX XXXX '' NOT XXXX XXXX ... the account is tied to someone else with a similar name XXXX address. They're also pulling my credit without permissible purpose. They are in strict violation of FCRA regulations. The credit reporting agencies claim this is verified. Not sure how they verified the info since it's not my legal name. I need the following account and all inquiries associated with this company removed from my credit.

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 2024-07-24 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:
The following is reporting inaccurately to my credit. XXXX XXXXXXXX XXXX Account number XXXX is reporting an account which is NOT ME XXXX NOT MY LEGAL NAME. They are damaging my credit. My name is " XXXX XXXX '' NOT XXXX XXXX ... the account is tied to someone else with a similar name XXXX address. They're also pulling my credit without permissible purpose. They are in strict violation of FCRA regulations. The credit reporting agencies claim this is verified. Not sure how they verified the info since it's not my legal name. I need the following account and all inquiries associated with this company removed from my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 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: MS

Complaint narrative:
This account was reported paid on time on the following date ( XXXX XXXX ) Then was reported XXXX day 's late on ( XXXX XXXX ). This inaccurate information falsely manipulates the statute of limitations. Equifax failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Accounts Name : XXXXXXXX XXXX XXXX XXXX Account Number XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: NY

Complaint narrative:
this is notice I've filed multiple disputes with Experian to remove invalid account information from my credit file, Experian has never corrected the issue, they now have an account the identical reporting the same. I want to go into arbitration, Experian has violated the fora.

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 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
The XXXX reporting agencies, Experian, XXXX, XXXX - because they have ignored my several attempts to clear my credit, reselling old accounts so that they can keep putting it on my credit report They have violated -As of XX/XX/year>, an amendment to Regulation F ( which implements the FDCPA ) tightened the leash on debt collectors.

They are also in violation of this as well - a debt collector reports a debt to the major credit bureaus ( XXXX, Experian, and XXXX ), they must : Speak to you in person or over the phone, OR Mail you a letter ( or send an electronic message, like an email ) about the debt. 
Then, they need to wait a reasonable period of time ( at least 14 consecutive days ) to see if the notice comes back undeliverable. 
They have never done this, Never. 
If they get a notice of undeliverability, they cant report the debt unless theyve achieved communication as described above. ( violation ) CRAslike XXXX, Experian, and XXXX be selling bad credit reports like hotcakes. In fact, theyre bound by the Fair Credit Reporting Act ( FCRA ). ( Violation ) The FCRA ensures that CRAs report accurate and fair information about you. If theyre re-entering bad info without proper validation, theyre definitely breaking the rules. ( Violation )

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 2024-07-24 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: WA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate and false information consists of a bulk purchase on XXXX and factoring companies on Equifax that was opened XX/XX/year> under the account number # XXXX. This account as result in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. The aforementioned accounts, collections and hard inquiries in question and maintained by you were not opened, made, or initiated by me. All the aforementioned accounts, collections and hard inquiries are the result in identity theft and fraud. I attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud. 
XXXX XXXX has not provided validation information under XXXX CFR XXXX ( b ) ( XXXX ) but yot they placed a collection on your consumer report. 
You have not been given a chance to dispute account according to XXXX CFR XXXX ( c ) ( XXXX ) ( XXXX ) XXXX agency is violating your consumer rights by using false misleadin, misrepresentation and deceptive means. 
Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of XXXX XXXX XXXX ( d ) and 15 USC 1681-S 2 ( XXXX ) ( A )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information Equifax. Please delete the following accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 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: MO

Complaint narrative:
I would like to follow up with the ongoing issues related to my credit report, specifically the late open account and the late closed account. Despite my numerous attempts to address these inaccuracies, this letter marks my many effort to resolve the matter. have submitted XXXX prior requests to correct these errors. Each time, I provided detailed information, including supporting documentation to substantiate my claims. Despite these efforts, the inaccuracies remain unresolved, which continues to negatively impact my XXXX XXXX and financial standing. Please help me correct the status of the late open account to reflect timely payments and remove the late payment record from the closed accounts. Please note that under the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate credit report. The continuous failure to correct these errors is a violation of my rights under the FCRA. Kindly help me correct or remove these accounts i, mmediately : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$380.00} - Please check the Payment History and Status information on this account and adjust accordingly. 
XXXX. XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 
XXXX. XXXX XXXX XXXXXXXX Balance : {$0.00} - XXXX see things may be inaccurate. XXXX looking at the account name, opening date, and account status. I believe this information XXXX be inaccurate. I need this deleted now. 
XXXX. XXXX BANK XXXX Balance : {$0.00} - Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information XXXX be inaccurate. I need this removed now.

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 2024-07-24 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: MO

Complaint narrative:
I would like to follow up with the ongoing issues related to my credit report, specifically the late open account and the late closed account. Despite my numerous attempts to address these inaccuracies, this letter marks my many effort to resolve the matter. have submitted XXXX prior requests to correct these errors. Each time, I provided detailed information, including supporting documentation to substantiate my claims. Despite these efforts, the inaccuracies remain unresolved, which continues to negatively impact my credit score and financial standing. Please help me correct the status of the late open account to reflect timely payments and remove the late payment record from the closed accounts. Please note that under the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate credit report. The continuous failure to correct these errors is a violation of my rights under the FCRA. Kindly help me correct or remove these accounts i, mmediately : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$380.00} - Please check the Payment History and Status information on this account and adjust accordingly. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 
XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} - XXXX see things XXXX be inaccurate. XXXX looking at the account name, opening date, and account status. I believe this information XXXX be inaccurate. I need this deleted now. 
XXXX. XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} - Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information XXXX be inaccurate. I need this removed now.

Company response to consumer: Closed with explanation