vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-08 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: FL

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX, XXXX. In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

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 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX which falls under trafficking according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnd would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account number : XXXX Balance : {$1600.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Account number : XXXX Balance : {$600.00}

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 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Ive been trying to communicate my concerns regarding the inaccuracies on my credit report for months now but to no avail, this is an issue that I want to be addressed and this complaint is obviously not a mistake or sent in error. These are challenging times and the circumstances are not in my favor, the burdens keep piling up which continuously impacts my life negatively, having these inaccuracies corrected or removed from my credit report will be immensely helpful.

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 2024-10-08 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: NJ

Complaint narrative:
Ive been trying to communicate my concerns regarding the inaccuracies on my credit report for months now but to no avail, this is an issue that I want to be addressed and this complaint is obviously not a mistake or sent in error. These are challenging times and the circumstances are not in my favor, the burdens keep piling up which continuously impacts my life negatively, having these inaccuracies corrected or removed from my credit report will be immensely helpful.

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 2024-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: AR

Complaint narrative:
On XX/XX/year> I noticed that a collection was added to my credit report. I got the name of the collection company off the report and called them. On XX/XX/year> I called XXXX XXXX XXXX And spoke to XXXX XXXX XXXX I gave XXXX XXXX my name and she said she did not have any info about me. I asked her where I write to get it removed and she put me on hold and came back and said XXXX XXXX XXXX # XXXX XXXX XXXX XXXX. I wrote XXXX callers Ins on XX/XX/year>. As of XX/XX/year> I have not heard back from them. I have applied for a loan at the bank and before this my score qualified me for the loan. After the collection my score went down XXXX points. It is known that right before the closing the bank pulls credit again and when they do my new score may not qualify me. This will constitute a cause & effect, and I will be asking for damages. To avoid this, I am asking that this be removed as soon as possible to avoid this. I have enclosed the items I sent to Contract Callers Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-10-08 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: MA

Complaint narrative:
I sent in a 2 request for the Credit bureaus to investigate inaccuracies on items on my credit report and they did. They stated everything was verified and accurate. I did thorough research myself and found inaccuracies on my report even after they did 2 investigations. 

Inaccuracies : Date opened High Credit Last Reported Date Last Active Date of Last payment payment history In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX has violated my rights. 

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 an account without my written instructions.

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 2024-10-08 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: MA

Complaint narrative:
I sent in a 2 request for the Credit bureaus to investigate inaccuracies on items on my credit report and they did. They stated everything was verified and accurate. I did thorough research myself and found inaccuracies on my report even after they did 2 investigations. 

Inaccuracies : Date opened High Credit Last Reported Date Last Active Date of Last payment payment history In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX has violated my rights. 

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 an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-08 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: FL

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible 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 shalli ) 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. 

Please remove the following items from my credit report, immediately : Equifax : XXXX Account Number XXXX XXXX Reported Balance {$0.00} Date Opened XX/XX/XXXX XXXX XXXXXXXX XXXX Account Number XXXX XXXX Reported Balance {$0.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number XXXX XXXX  Reported Balance {$0.00} Date Opened XXXX XXXX, XXXX XXXX  Account Number XXXX  XXXX Reported Balance {$2600.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Account XXXX xxxxxx XXXX Reported Balance {$0.00} Date Opened XX/XX/XXXX XXXX : XXXX XXXX # XXXX Balance {$2600.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Acct # XXXX XXXX {$0.00} Date opened : XX/XX/XXXX XXXX XXXX  Acct # XXXX Balance {$0.00} Date Opened : XX/XX/XXXX TAB - XXXX XXXX Acct # XXXX Balance {$0.00} XXXX XXXX : XX/XX/XXXX XXXX Acct # XXXX Balance {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX  Acct # XXXX Date XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXcct # XXXX Balance {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX  Acct # XXXX Balance {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX  Acct # XXXX Balance {$0.00} Date Opened : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Acct # XXXX  Balance {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX. 
Acct # XXXX Balance {$0.00} Date Opened : XX/XX/XXXX XXXX Acct # XXXX Balance {$2600.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reference XXXX XXXX Date Opened : XX/XX/XXXX 2019

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-08 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: FL

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible 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 ( XXXX ) 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 shalli ) 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. 

Please remove the following items from my credit report, immediately : XXXX : XXXX Account Number XXXX XXXX Reported Balance {$0.00} Date Opened XX/XX/XXXX XXXX XXXXXXXX XXXX  Account Number XXXX XXXX Reported Balance {$0.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX  Account Number xxxxx XXXX Reported Balance {$0.00} Date Opened XXXX XXXX, XXXX XXXX  Account Number XXXX  XXXX Reported Balance {$2600.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX  XXXX Reported Balance {$0.00} Date Opened XX/XX/XXXX XXXX : XXXX XXXX # XXXX Balance {$2600.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Acct # XXXX XXXX {$0.00} Date opened : XX/XX/XXXX XXXX XXXX  Acct # XXXX Balance {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX - XXXX XXXX Acct # XXXX Balance {$0.00} XXXX XXXX : XX/XX/XXXX XXXX Acct # XXXX Balance {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  Acct # XXXX Date XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX  Acct # XXXX XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX  Acct # XXXX Balance {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Acct # XXXX Balance {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Acct # XXXX Balance {$0.00} Date Opened : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Acct # XXXX  Balance {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX. 
Acct # XXXX  Balance {$0.00} Date Opened : XX/XX/XXXX XXXX XXXXcct # XXXX Balance {$2600.00} Date Opened : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Reference XXXX XXXX Date Opened : XX/XX/XXXX 2019

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 2024-10-08 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: NY

Complaint narrative:
I appreciate your assistance in removing part of the fraudulent information from my credit file, but there are still unresolved items that should be removed. Under FCRA Section 605, you are required to remove any inaccurate records. I have already provided this documentation in a previous letter, and I am including it again. My attorney is fully aware of the situation and is ready to hold you accountable for your ongoing non-compliance. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  OF XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX XXXX XX/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 2024-10-08 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: NY

Complaint narrative:
I appreciate your assistance in removing part of the fraudulent information from my credit file, but there are still unresolved items that should be removed. Under FCRA Section 605, you are required to remove any inaccurate records. I have already provided this documentation in a previous letter, and I am including it again. My attorney is fully aware of the situation and is ready to hold you accountable for your ongoing non-compliance. 
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 response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-10-08 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: NC

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-10-08 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: TN

Complaint narrative:
This issue of an incorrect public record misreported on my TransUnion credit report has been ongoing for nearly 5 years! TransUnion has avoided, denied, or outright ignored repeated disputes to correct this error which is and has affected my credit rating tremendously. 

In XXXX  I contacted TransUnion XXXX or more times requesting their " Method of Verification '' of the fraudulent chapter XXXX bankruptcy they've been reporting on my credit file for almost 5 years. They never properly responded to my requests. They treated these requests as disputes despite my clearly stating I needed to know the method of verification used for the erroneously reporting of this public record. 

XXXX  years ago, XXXX XXXX, XXXX XXXX XXXX removed this public record after I sent them supporting documentation proving the public record was not mine. I've sent FTC affidavits, police reports proving my identity was compromised ; all which TransUnion has ignored without proper investigation or explanation of how they verified this public record as mine. 

I have now probably disputed this item with TransUnion XXXX times over the past 5 years! They are avoiding and ignoring my requests at this point.

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 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Fidelity National Information Services, Inc. (FNIS)
State: AR

Complaint narrative:
To Consumer Relations XXXX XXXX XXXX XXXX, MN XXXX Acct XXXX XXXXXXXX RE : Cease and Desist Request and Deletion Of Collection Account From My Credit Reports, XXXX, XXXX, XXXX and XXXXXXXX XXXX XXXX XXXX This letter is to formally notify you that I am invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692c ( c ), and request that you immediately cease all communication with me regarding the alleged debt associated with account number XXXX. As part of this cease and desist request, I demand that you stop all forms of communication, including but not limited to, phones calls, letters, emails, or any other means of conduct. /////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////// Furthermore, please be advised that reporting this collection account to any credit reporting agency constitutes an ongoing form of communication. By continuing to report this account on my credit reports listed above, you are violating my cease and desist request. I demand that you immediately remove this collection account from all credit reporting agencies listed above. ////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////// Failure to comply with this cease and desist request, including removing the collection account from my credit report, will be treated as a violation of the FDCPA and may result in further legal action.

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