vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Certainly! Here 's a sample letter you can use to dispute an incorrect entry on your credit report. Be sure to customize it with your information and details about the dispute. 

XXXX XXXX XXXX XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXXXXXX XXXX  XXXX ] [ XXXX ] [ XXXX XXXX ] [ XXXX ] [ experian credit bureau ] [ XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. ] Subject : Dispute of Inaccurate Information on Credit Report Dear [ experian credit bureau ], I am writing to formally dispute an error on my credit report, which I obtained from your bureau on [ date you obtained the report ]. The report contains incorrect information that I would like to address. 

The specific entry I am disputing is as follows : - **Creditor Name : ** [ Name of Creditor ] - **Account Number : ** [ Account Number ] - **Disputed Item : ** [ Description of the incorrect information, e.g., late payment, account balance, etc. ] This information is inaccurate because [ explain why its incorrect, e.g., the payment was made on time, the account is not mine, etc. ]. I have attached [ mention any supporting documents, such as payment receipts, correspondence, etc. ] to validate my claim. 

Under the Fair Credit Reporting Act, I am requesting that you investigate this matter and remove or correct the disputed entry from my credit report. I would appreciate your prompt attention to this issue, and I look forward to your response within the required 30 days. 

Thank you for your assistance. 

Sincerely, [ XXXX XXXX ] -- - Make sure to keep copies of everything you send for your records. If you need help with specific details, just let me know!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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: NY

Complaint narrative:
My student loan provider reported my payments as a late payment on my report and I never missed a payment. They never send me a latter or contacted me regarding any late payments. 
In Accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights. 
15 usc 1681 section 602 states I have the right to privacy.

15 usc 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 usc 1666b a creditor may not treat a payment on my student loan account under open end consumer credit plan as a late for and purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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: OH

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-19 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: TX

Complaint narrative:
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am disputing this account because I do not owe this debt to such company, the collection agency has failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ) and has not allowed me to dispute the account under 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian has refused to delete a derogatory claim that I owe an approximately {$600.00} XXXX  bill. I disputed the charge with the provider several years ago. The charges were unauthorized at the time. I explicitly directed the doctor not to order the tests which were not fully covered by my insurance. The tests were ordered contrary to my instructions. Recently the item has appeared on my credit report even though the dispute is from several years ago. In response I disputed the item with Experian but they simple accepted the claim as reported. No genuine effort was made to rectify the situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: PA

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
On XX/XX/2024, I checked my credit report on XXXX XXXX XXXX had a reported collections from LVNV FUNDING & a balance of over {$2000.00}, that was opened In XXXX of 2024, however Im unaware of this debt, and have never received any letter/documentation that this account was even open. 
I began a dispute with XXXX XXXX XXXX have not heard back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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: TX

Complaint narrative:
There are unauthorized inquiries on my credit 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 2024-09-19 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: AZ

Complaint narrative:
TO WHOM it may concern I am writing to report that I am a victim of identity theft. An unknown individual has fraudulently opened a XXXX XXXX XXXX XXXX credit card account and a XXXX account in my name. These unauthorized accounts have been reported to the three major credit bureaus : XXXX, TransUnion, and XXXX. 

Details of Fraudulent Activity : XXXX. XXXX XXXX XXXX XXXX Credit Card Account : - This account was opened without my knowledge or consent. ON XX/XX/XXXX under the account number XXXX - I have not authorized any transactions or actions related to this account. 
I HAVE TRIED to communicate with you guys but i haven't seen any positive results in the matter, Impact on My Credit Report : These unauthorized accounts have negatively impacted my credit reports with XXXX, TransUnion, and XXXX. As a victim of identity theft, I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), particularly Section 605B, which allows for the blocking of information that is the result of identity theft. 

Under FCRA Section 605B, I am requesting that the fraudulent accounts be blocked from my credit reports. This provision mandates that credit reporting agencies must block the reporting of information that resulted from identity theft within FOUR business days upon receipt of proof of identity, an identity theft report, and an official request to block the fraudulent information., and if for some reason this item doesn't getting deleted or blocked, you guys are violating my right under FCRA XXXX this are fraudulent account in my name that wasn't opened by ME I REPEAT SOMEONE IS USING MY NAME I am requesting your assistance in this reinvestigating this matter and taking the appropriate actions to prevent further harm DESIRED OUTCOME : PLEASE REMOVE ACCOUNTS FROM CONSUMER FICO CREDIT REPORTS VICTIM INFO : NAME : XXXX XXXX Date Of Birth : XXXX  Contact info : XXXX Email : XXXX Address : XXXX XXXX XXXX XXXX, XXXX Arizona XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-19 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: CT

Complaint narrative:
Please remove inquiries off my credit profile from Experian, XXXX XXXX and XXXX immediately! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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: MI

Complaint narrative:
Consumer Name : XXXX XXXX XXXXXXXX XXXX ( Private SSN : XXXX ( Private XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been fled to request pursuant to FCRA 5 6068 ( 15 U.S.C. 5 1681c-2 ) that you, the TransUnion, XXXX, XXXX, credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulert, inaccurate, and false information consists of a personal account XXXX XXXX XXXX XXXX {$1300.00} opened XX/XX/XXXX account # XXXX hard inquiries- 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 resulted in several fraudulent hard inquiries i consumer FICO credit report. I've attached a list well as a copy of the consumer FICO credit report maintained by you which show fraudulent Collection & hard inquiries. I do not recognize the account jor hard inquiries as reported. The aforementioned account appearing on my consumer credit report maintained by you. All of the aforementioned accounts, collections. of identity theft and fraud. I have attached a copy of FTC Identity Theft Crimal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 2024-09-19 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: OH

Complaint narrative:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$160.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$380.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: AMERICAN HONDA FINANCE CORP
State: VA

Complaint narrative:
Subject : Urgent Request for Investigation into Misleading Financing Practices and XXXX XXXX XXXX Dear Sir/Madam , I am writing to bring your attention to troubling issues regarding my vehicle purchase at XXXX Honda XXXX XXXX particularly surrounding the dealerships misleading practices concerning both financing and the subsequent cancellation of my XXXX XXXX  ( Vehicle VIN : XXXX ). 

While the initial issue centered on the unexpected cancellation of my XXXX XXXX, which was automatically canceled following a refinancing, it has become clear that the situation extends beyond just this. During the sales process, the dealerships finance director advised me to forego a down payment and opt for XXXX down, even though I had cash available. I was assured that this was in my best financial interest, and that refinancing later would secure me a better interest rate. However, I now understand that this advice was not in my favor and appears to have been influenced by the dealerships pursuit of higher commissions or kickbacks from financing deals. 

What makes this more concerning is that when I tried to address this with the finance director, he denied having advised me to save the XXXX XXXX XXXX with XXXX down, despite this being a pivotal point in our face-to-face conversation. Unfortunately, since this conversation was not recorded, I can not definitively prove it, but the dealerships lack of transparency and responsibility post-sale speaks volumes. 

In light of these concerns, I strongly believe that this is not an isolated incident and may be a tactic used to take advantage of inexperienced customers, such as myself, or new immigrants unfamiliar with the process of car financing. To verify this, I recommend that investigative authorities consider sending a mystery shopper, posing as a new or inexperienced buyer, to observe firsthand how this dealership operates and whether customers are similarly misled into unfavorable financial decisions for the dealerships benefit. 

This situation has not only caused me financial strain, but has also eroded my trust in the dealership and the Honda brand. My hope is that a thorough investigation into these practices can help prevent other customers from experiencing the same level of frustration and financial harm. 

I have attached email correspondence that highlights the dealerships refusal to take accountability, as well as the lack of resolution regarding the XXXX XXXX  refund, which could have easily been addressed by the dealership submitting a formal request to the insurance provider. Despite my efforts to resolve these issues amicably, it is clear that further action is necessary. 

I trust that your agency will take this matter seriously, and I am hopeful that appropriate steps will be taken to investigate and address these issues. Thank you for your attention, and I look forward to your response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have contacted Equifax several times to report erronous information appearing on my credit report. According to The Fair Credit Reporting Act, erroneous information can not be reported to credit reporting agencies. There is a XXXX ( XXXX ) year dispute with a prior property management company regarding an alleged repair. I have requested the worker order, but XXXX reports they do not have any work orders prior to XXXX when they acquired XXXX XXXX Account. They suggest the 7 year old work order/invoice may be in a box in a storage facility. A work order dispute does not equate to assessments. 

XXXX XXXX XXXX ( reporting on behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) . This company has first reported a deliquent balance of $ XXXX this caused my credit score to drop with Equifax by XXXX plus points ( XXXX ). They are reporting the account was opened, XX/XX/XXXX and 60 days past due as of XX/XX/XXXX, last activity XX/XX/XXXX, scheduled payments $ XXXX. I always pay my assesssments by the XXXX of the month. XXXX often assess late charges when assessments are not late and have reversed several late fees. 

This is inaccurate. My HOA account was established XX/XX/XXXX the assessments were $ XXXX from XXXX. In XX/XX/XXXX, the HOA fees increased to $ XXXX. I have never had a late payment. 

This information is erroneous as my assessments $ XXXX are current. I do not have any late payments. 

XXXX XXXX XXXX again reported the following to Equifax erroneous information as follows : The account was opened XX/XX/XXXX, amount deliquent is {$1800.00}, XX/XX/XXXX. This caused my score to drop an additional XXXX plus points. 

I have attached my XXXX XXXX XXXX XXXX Transaction History XXXX. It is evident that my assessments of {$270.00} are paid early every month. XXXX XXXX XXXX have violated the Fair Credit Reporting Act by reporting inaccurate, erroneous information to Equifax and by law it must be removed. I am suffering serious credit injury as a result of this inaccurate/erroneous reporting. 

Please review the payment ledger of XXXXXXXX XXXX managed by XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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: CT

Complaint narrative:
Please remove inquiries off my credit profile from XXXX, Trans Union and XXXX immediately! 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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: CT

Complaint narrative:
Please remove inquiries off my credit profile from XXXX, XXXX XXXX and Equifax immediately! 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation