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

Complaint narrative:
Subject : Request for Removal of Inaccurate Address Information To Whom It May Concern, I am writing to request the immediate removal of old and inaccurate address information currently being reported on my consumer credit report. The following addresses should be removed from my file, as they are no longer valid : XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX My current address is XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX, and this should be reflected on my credit report. This address is consistent with both my driver 's license and utility bill, copies of which I have attached for your records. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information included in a consumer report. The continued reporting of outdated and incorrect address information on my file violates this provision, as it does not reflect the most current and accurate data. 

I request that Experian promptly update my consumer report to reflect my current address and remove the outdated information. Failure to do so would result in the further spread of inaccurate information, which is detrimental to my credit profile. 

Please confirm this correction and provide me with an updated copy of my credit report showing the correct address within the legally mandated timeframe of 30 days. 

Thank you for your prompt attention to this matter.

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 2024-10-09 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Mutual Management Services LLC
State: HI

Complaint narrative:
What happened? 

I entered into communication with Mutual Management Services regarding an outstanding debt listed under account number [ Account Number ]. On XX/XX/year>, I sent a formal debt validation request under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g. This request was sent via certified mail, and I have documentation proving that the letter was delivered. 

Despite my compliance with the FDCPA and the legal requirements for debt validation, I have not received any response from Mutual Management Services. In addition to the certified letter, I followed up with regular mail, and again, no response has been received. This failure to validate the debt constitutes a violation of the FDCPA, which requires debt collectors to cease collection activities until the debt is properly validated. 

Furthermore, Mutual Management Services continues to report this unverified debt to the credit bureaus, negatively affecting my credit score. Their continued reporting without validating the debt violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2, which mandates accurate and complete reporting by creditors and debt collectors. 

I am requesting an investigation into this matter and that Mutual Management Services be required to validate the debt or remove the negative entry from my credit report. Attached are copies of the letters I sent, along with certified mail receipts as proof of my communication attempts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 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:
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MA XXXX SSN : XXXX Date of Birth : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX PA XXXX RE : XXXX  Block Request Dear Sir or Madam : I am a victim of XXXX. The information listed below, which appears on my TransUnion credit report, is the result of that XXXX. 
Accounts : Account numbers : Date Opened : US BANKRUPTCY CT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have attached a copy of my SSN card, Valid ID, and a copy of signed self attestation form to prove I am human who have been a victim of XXXX, so I do not need TransUnion to say or write me and say they could not ve

rify me or my account. Please block this information from my TransUnion credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. Section 605C ( b ) states that consumer reporting agencies can not provide consumer reports with adverse information about consumers who have been victims of XXXX XXXX or XXXX XXXX if the consumer has provided documentation of trafficking to the agency. I have attached documentation of my self attestation to you TRANSUNION Survivors do not need to provide additional evidence to prove their connection to trafficking, beyond self-attestation. 
Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX : XXXX XXXX XXXX PLACED WITH COLLECTIONS ON XX/XX/XXXXXXXX  has violated my rights. 

I looked at my Experian credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-10-09 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: MN

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Inquiries : XXXX XXXX XXXX Date of inquiry : XX/XX/year>XXXX XXXX XXXX Date of inquiry : XX/XX/year>XXXX XXXX XXXX Date of inquiry : XX/XX/year> Late Payment : XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX, MD XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, MD XXXX Previous Address XXXX es ) : XXXX XXXX XXXX XXXX XXXX, ND XXXX Also Known As : XXXX, XXXXXXXX XXXX Employers : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Hello, I purchased two sectional sofas from Macys between XXXX and XXXX. One of the sofas were returned and my account was finally credited after months and months of speaking with countless representatives. However, the minimum payment due was never corrected. During the return process a system error occurred which increased my minimum payment to {$500.00} instead of {$30.00} which I was paying for one sofa. Macy 's never fixed the minimum amount due for just one sectional which I purchased. My account is in a delinquent status because of this issue, I am getting delinquent calls, and notices. I have asked Macy 's for over five months to fix this. 

I've talked to a countless number of customer service reps via 800 number and have spent a countless number of hours trying to resolve this. Finally, a representative ensured me that the minimum payment would be adjusted and to give it 5-10 days. It has been five months and I am receiving calls from Macy 's that my account is delinquent. In addition, my credit score has dropped XXXX points during this dispute with Macy 's. I have sent emails to Macy 's and have been told it's in dispute, yet the minimum due is still {$500.00} which is a default from both sectionals. I have worked hard to keep my finances and credit top notch. I need to have this resolved immediately since my due date is approaching again and my credit score is continuing to dwindle.

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 2024-10-09 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: NC

Complaint narrative:
I have previously lodged a complaint regarding my XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) under the reference number XXXX. Documentation from the IRS confirms that wages have been withheld for the XXXX XXXX card account. However, I have observed discrepancies in the account over the past few years.

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 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have previously lodged a complaint regarding my XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX ) under the reference number XXXX. Documentation from the IRS confirms that wages have been withheld for the XXXX XXXX card account. However, I have observed discrepancies in the account over the past few years.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have previously lodged a complaint regarding my XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) under the reference number XXXX. Documentation from the IRS confirms that wages have been withheld for the XXXX XXXX card account. However, I have observed discrepancies in the account over the past few years.

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 2024-10-09 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: PA

Complaint narrative:
I checked my credit report as usual today, and unauthorized inquiries showed up out of nowhere. After refreshing my browser to see if it was just a glitch, I realized they werent going away. This situation is frustrating, and Im requesting a thorough review of the documents I submitted so this issue can be fixed immediately, and I dont have to deal with it again.

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 2024-10-09 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: IL

Complaint narrative:
The late payments never happen. Delete account under FCRA 168 Under Section 168 FCRA this Late Payments Dated XX/XX/year>, XX/XX/year>, XX/XX/year> does not match my records nor the original creditors records to what reflects on my credit report therefore this item MUST be deleted under this law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COMMUNITY REINVESTMENT FUND
State: NC

Complaint narrative:
XX/XX/year> loan reporting for {$24000.00} and same time business admin loan reporting same loan on my credit for {$31000.00}

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

Complaint narrative:
I noticed some incorrect information on my credit report, which falls under 15 USC 16c-2. This inaccurate data is affecting my credit score, and I did not authorize the listed inquiries.

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

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 2024-10-09 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: AZ

Complaint narrative:
Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Reference # : 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 2024-10-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Global Lending Services LLC
State: NJ

Complaint narrative:
I was in the process of applying for my home and i noticed this account from Global lending service for a auto loan, which was open XXXX and debt amount XXXX. I have no knowledge of this account I also never applied for a auto from Global lending service. Under USC 15 1692g, and 1681b permissible purpose this account is reporting inaccuracies.

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

Complaint narrative:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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 2024-10-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: COLUMBIA BANKING SYSTEM, INC.
State: FL

Complaint narrative:
I requested an equipment loan worth {$44000.00}. According to the contract it said it was 60 monthly payments that include interest and capital {$1300.00}, this was in XX/XX/year>, I have been paying this loan for 7 months. I wrote to the company requesting the balance of the credit to be paid today and they tell me that I must pay {$70.00} XXXX dollars, which is the total interest on the entire loan and the capital. That is, they are charging me interest on a term that should not be settled. I request the value of the capital as of today and they tell me that I do not have to pay all the interest like this, I want to pay the capital today, this is not legal, since the interest is paid over time of the credit and on the balance, that is, the monthly payment that I am making there is no discrimination to c

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 2024-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation