vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-19 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: FL

Complaint narrative:
I reviewed my Consumer Report and noticed that i had late payments on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payments fot he account : XXXX XXXX XXXX Account number : XXXX, please investigate and provide proof with statements showings that these payments were late. if proof can't be provide i demand these payments be updated on time as they should be as i was NEVER late. thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Eastern Account Systems of Connecticut, Inc.
State: CT

Complaint narrative:
Eastern Account systems started harassing me and calling me multiple times about a false debt that I do not owe. They even called my family members to include my mom when I am a XXXX XXXX XXXX adult that is current XXXX XXXX XXXX. I repeatedly told them multiple times if they say I owe a debt to prove it and send me any documentation that I do. 

The account they said I owe a debt with " XXXX XXXX XXXX '' even agrees I do not owe a debt. I spoke with them yesterday for the fifth time and they claim that Eastern account systems should know this yet they went ahead and filed a collection on my credit report anyways that I am now having to spend a ton of time and resources to fight this fraudulent debt. 

Prior to this I had sent them pictures of my XXXX balance of the account in question and still after receiving no proof of debt they went ahead and on XX/XX/XXXX filed a collection on my credit. I have never had a collection in the past and am more than able to pay any amount however I will not be extorted by a shady company with a horrible reputation!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: MD

Complaint narrative:
TransUnion continues to ignore my rights under the Fair Credit Reporting Act ( FCRA ) and the Consumer Credit Protection Act ( CCPA ) that protect me as a Victim of Identity. TransUnion continues to ignore official documents of a XXXX XXXX Police Report and a FTC Report. TransUnion continues to state my documents are not official with no proof in proving my documents are not official. TransUnion continues to do nothing when it comes to my many disputes to remove XXXX XXXX and many Inquiries due to Identity Theft. I have included to TransUnion all letters from the lending institution stating that their Inquiry/Inquiries reporting on my credit report is due to Identity Theft. By providing the letters from these various lending institution dealing with their Inquiry do to Identity Theft, this alone gives TransUnion the proof to Delete and Remove all Inquiries that match up with the letters stating that their Inquiry/Inquiries are Fraudulent. Also providing a copy of my letter to XXXX XXXX sent certified mail to XXXX XXXX is further proof of Identity Theft. Along with the FTC Report and XXXX XXXX Identity Theft Police Report. What more does TransUnion require and want as proof of my 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 2024-11-19 00:00:00
Product: Debt collection — Auto debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Moody, Jones & Ingino, P.A
State: FL

Complaint narrative:
This company will harass you the day your payment is due. They will call you non stop through the whole month. Now it got so bad where I have anxiety so bad it got worse from the harassment from them over a debt payment. Now XXXX on XXXX so it is hard for someone like me after XXXX hurricanes. Ive asked them in the beginning not to email me. Well they started harassing me through emails. This company is very non companionable and theyre like XXXX XXXX its come to money. I wish now XXXX to have to go through this now they levy my bank account and XXXX about to be homeless in a couple weeks. I wish no one to go through this with this company. No sympathy!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: MD

Complaint narrative:
Ad d r es s : XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX Fraudulent Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX Name : XXXX XXXX XXXX XXXX XXXX ) Fraudulent Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent Accounts : Account : XXXX XXXX  XXXX : XX/XX/XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Account : XXXX XXXX XXXX : XX/XX/XXXX Account : XXXX XXXX XXXX  : XX/XX/XXXX Account : XXXX XXXX XXXX XXXX : XX/XX/XXXX Account : XXXX XXXX XXXX XXXX : XX/XX/XXXX Account : XXXX XXXX XXXX XXXX : XX/XX/XXXX Account : XXXX XXXX XXXX : XX/XX/XXXX Fraudulent Hard Inquiries : XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Upstart Holdings, Inc.
State: TX

Complaint narrative:
I was looking over my report and I noticed these accounts listed below are not ensuring maximum possible accuracy according to the FCRA. Delete accounts of fix listed below for violation of the fair credit reporting act. 
Upstart loan operation XX/XX/year> XXXX XXXX This account is not showing maximum possible accuracy balance end negative remark late payment according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account or remove negative remark Immediately for violation of 15 USC 1681e ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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 submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX Account number : 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 2024-11-19 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: SC

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2024-11-19 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: MD

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Trans Union Fraud Victim Assistance Department XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Dear Sir or Madam : Ima avictimofidentitytheft.Theinformationlistedbelow, whichappearsonmycreditreport, does not relate ot any transactions that I have made. It is the result of identity theft. 
Identify items resulting from identity theft that should be deleted, by name of the source, such as credit card issuers or banks, names, addresses, public records credit accounts.

Please delete block or remove this information from my credit report, pursuant ot section 605B of the Fair Credit Reporting Act and send the required notifications ot al furnishers of this information.

Enclosed are the following : A copy of my Identity Theft Report and Proof of my identity.

Acopy of section 605B of the Fair Credit Reporting Act, which requires you to delete block or remove the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnishers of that information. 
Account : XXXXXXXX XXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX XXXX Account. 
Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Fraudulent Account Account : XXXX XXXX XXXX XXXX : Fraudulent Account. 
XX/XX/XXXX Account : XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX Account. 
Account : XXXX XXXX XXXX XXXX : XX/XX/XXXX Fraudulent Account Account : XXXX XXXX XXXX XXXX : XX/XX/XXXX Fraudulent Account. 
Account : XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX Account. 
Account : XXXX XXXX XXXX : XX/XX/XXXX XXXX Account. 
Account : XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  on record. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Fraudulent Public Records : ID Number : XXXXXXXX XXXX XXXX XXXX XXXX  : XX/XX/XXXX ID Number : XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Fraudulent Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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 reviewed my Consumer Report and noticed that i had late payments on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payments fot he account : XXXX XXXX XXXX XXXX  Account number : XXXX, please investigate and provide proof with statements showings that these payments were late. if proof can't be provide i demand these payments be updated on time as they should be as i was NEVER late. 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 non-monetary relief
Consumer complaint received 2024-11-19 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: PA

Complaint narrative:
There are still accounts on my credit report that should not be there ; I have filed your company a dispute last month XX/XX/year>XXXX  which I am quite clear about the accounts that were fraudulent and in issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: NC

Complaint narrative:
Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party being asked to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by the company or the company representative, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

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 2024-11-19 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 am writing to formally request an investigation into this account listed on my credit report name XXXX  that I believe is a result of identity theft. I have recently reviewed my credit report and noticed thsi from a company I do not recognize, and I have not authorized.

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 2024-11-19 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: NY

Complaint narrative:
I am writing to formally request an investigation into this account listed on my credit report name XXXX  that I believe is a result of identity theft. I have recently reviewed my credit report and noticed thsi from a company I do not recognize, and I have not authorized.

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 2024-11-19 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: NY

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. 

Account name : XXXX XXXX  Account number : XXXX XXXX XX/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 2024-11-19 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:
I was looking over my report and I noticed these accounts listed below are not ensuring maximum possible accuracy according to the FCRA. Delete accounts of fix listed below for violation of the fair credit reporting act. 
Upstart loan operation XX/XX/year> XXXX XXXX This account is not showing maximum possible accuracy balance end negative remark late payment according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account or remove negative remark Immediately for violation of 15 USC 1681e ( b )

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 2024-11-19 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: TX

Complaint narrative:
I was looking over my report and I noticed these accounts listed below are not ensuring maximum possible accuracy according to the FCRA. Delete accounts of fix listed below for violation of the fair credit reporting act. 
Upstart loan operation XX/XX/year> XXXX XXXX This account is not showing maximum possible accuracy balance end negative remark late payment according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account or remove negative remark Immediately for violation of 15 USC 1681e ( b )

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 2024-11-19 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: FL

Complaint narrative:
I reviewed my Consumer Report and noticed that i had late payments on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payments fot he account : XXXX XXXX XXXX XXXX Account number : XXXX, please investigate and provide proof with statements showings that these payments were late. if proof can't be provide i demand these payments be updated on time as they should be as i was NEVER late. 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 2024-11-19 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: NY

Complaint narrative:
I am writing to file a formal complaint regarding the incorrect reporting of a closed account on my credit report by XXXX. The account in question is with XXXX XXXX XXXX XXXX, with a past due balance of {$2900.00}. Despite the account being closed, XXXX is inaccurately reporting it as an open account. Additionally, the debt appears to be re-aged, with a date opened of XXXX and a date reported of XXXX. The account is reported as a charge-off, yet they have stated they still own the debt, which is misleading and inaccurate. 

This debt is currently under dispute, and despite my efforts to resolve the matter directly with XXXX, the account continues to appear incorrectly on my credit report. The reporting of this account as an open debt and its recent re-aging is not only a violation of the Fair Credit Reporting Act ( FCRA ) but also unfairly impacts my credit score. I have contacted XXXX to dispute this issue, but it remains unresolved, and the account still reflects inaccurate information. 

Under the FCRA, I am entitled to accurate and complete information on my credit file. The misreporting of this account as open and re-aging the debt to reflect a later reporting date is a clear violation of my rights. I am requesting that XXXX either correct the account status or delete it entirely from my credit report. 

Moreover, as this information is incorrect, I am asserting my right to request its deletion. The FCRA mandates the removal of any inaccurate or unverifiable information, and I am requesting that XXXX delete this erroneous entry from my credit report. 

Please investigate this matter and ensure that XXXX rectifies this mistake by either correcting the account status or removing it completely. I would appreciate prompt action on this matter and request that you keep me informed of the progress. 

Thank you for your attention to this issue. Should you require any additional information or documentation to support my claim, please do not hesitate to contact me.

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