vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau ATTN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, EQUIFAX, XXXX or Violation of Fair Credit Reporting Act ( 15 USC 1681e ) Dear Sir/Madam, XXXX XXXX XXXX  I am writing to file a complaint against Credit Bureau XXXX, EQUIFAX and XXXX for their failure to comply with the Fair Credit Reporting Act ( FCRA ) regarding the deletion of an unverifiable and inaccurate account from my credit report. This issue has arisen as a result of Credit Bureau XXXX, EQUIFAX and XXXX failure to take appropriate action despite the account being supplied with information that is NOT even me, my privacy has been breached by two other credit bureaus. 
On XX/XX/year>, I obtained a copy of my credit report from XXXX XXXX XXXX XXXX  and upon review, I discovered an account listed that is both unverifiable and inaccurate. Recognizing the importance of maintaining accurate credit information, I promptly initiated a dispute with all three major credit reporting agenciesEquifax, XXXX, and XXXXrequesting the deletion of this erroneous account. 
To my dismay, while Equifax and XXXX promptly investigated the matter and deleted the disputed account from my credit report, Credit Bureau XXXX, EQUIFAX, XXXX failed to take similar action. Despite providing evidence supporting the inaccuracy and unverifiability of the account, Credit Bureau XXXX, EQUIFAX, XXXX has neglected to comply with the FCRA and has allowed this erroneous information to persist on my credit report. 
This failure by Credit Bureau XXXX, EQUIFAX, XXXX to delete the unverifiable and inaccurate account is a clear violation of Section 1681e of the FCRA, which mandates that credit reporting agencies ensure the accuracy and fairness of the information they report. By not adhering to these standards, Credit Bureau XXXX, EQUIFAX, XXXX has not only compromised the accuracy of my credit profile but has also caused inconsistencies that can potentially harm my financial well-being. 
I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that Credit Bureau XXXX, EQUIFAX, XXXX complies with the FCRA by promptly deleting the inaccurate and unverifiable account from my credit report. 
Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Against Credit Bureau XXXX, XXXX, EXPERIAN or Violation of Fair Credit Reporting Act ( 15 USC 1681e ) Dear Sir/Madam, ActXXXX XXXX XXXXXXXX I am writing to file a complaint against Credit Bureau XXXX, XXXX and EXPERIAN for their failure to comply with the Fair Credit Reporting Act ( FCRA ) regarding the deletion of an unverifiable and inaccurate account from my credit report. This issue has arisen as a result of Credit Bureau XXXX, XXXX and EXPERIAN failure to take appropriate action despite the account being supplied with information that is NOT even me, my privacy has been breached by two other credit bureaus. 
On XX/XX/year>, I obtained a copy of my credit report from XXXX XXXX XXXX XXXX and upon review, I discovered an account listed that is both unverifiable and inaccurate. Recognizing the importance of maintaining accurate credit information, I promptly initiated a dispute with all three major credit reporting agenciesXXXX Experian, and XXXXrequesting the deletion of this erroneous account. 
To my dismay, while XXXX and Experian promptly investigated the matter and deleted the disputed account from my credit report, Credit Bureau XXXX, XXXX, EXPERIAN failed to take similar action. Despite providing evidence supporting the inaccuracy and unverifiability of the account, Credit Bureau XXXX, XXXX, EXPERIAN has neglected to comply with the FCRA and has allowed this erroneous information to persist on my credit report. 
This failure by Credit Bureau XXXX, XXXX, EXPERIAN to delete the unverifiable and inaccurate account is a clear violation of Section 1681e of the FCRA, which mandates that credit reporting agencies ensure the accuracy and fairness of the information they report. By not adhering to these standards, Credit Bureau XXXX, XXXX, EXPERIAN has not only compromised the accuracy of my credit profile but has also caused inconsistencies that can potentially harm my financial well-being. 
I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that Credit Bureau XXXX, XXXX, EXPERIAN complies with the FCRA by promptly deleting the inaccurate and unverifiable account from my credit report. 
Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 
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 explanation
Consumer complaint received 2024-07-10 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX : Account XXXX Account Name : XXXX : Account XXXX : XXXX Account Name : XXXX XXXX XXXX : Account XXXX XXXX XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : Original Creditor XXXX XXXX : Account Number : XXXX And lists XXXX XXXX inquiries that don't have XXXX XXXX to be on my credit report XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX : Account XXXX Account Name : XXXX : Account XXXX : XXXX Account Name : XXXX XXXX XXXX : Account XXXX XXXX XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : Original Creditor XXXX XXXX : Account Number : XXXX And lists XXXX XXXX inquiries that don't have XXXX XXXX to be on my credit report XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2024-07-10 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:
I am filing to request a goodwill adjustment for a late payment recorded on my account. As a dedicated customer of XXXX XXXX, I have consistently made timely payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 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:
I am filing to request a goodwill adjustment for a late payment recorded on my account. As a dedicated customer of XXXX XXXX, I have consistently made timely payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 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: TN

Complaint narrative:
Dear XXXX XXXX Customer Service, I hope this message finds you well. I am writing to address a critical issue regarding my account, XXXX, and to urgently request the removal of an erroneous 30-day late payment status from my credit report. 

On XX/XX/year>, I made a payment of {$560.00} towards my account. Despite my diligent efforts to ensure timely payments, I was recently informed that a 30-day late payment has been recorded on my credit report. This information is not only distressing but also incorrect, as I have consistently met my financial obligations. 
As a responsible and proactive customer, I meticulously monitor my account activity and ensure all payments are made promptly. The erroneous late payment status on my account is not a reflection of my payment history and commitment to maintaining a good standing with XXXX XXXX. 

I strongly believe this error could have resulted from a processing delay or a technical glitch on your end. I kindly request that you conduct a thorough investigation into this matter and rectify the error by removing the 30-day late payment status from my credit report immediately. This negative mark is unjustly affecting my credit score and overall financial health. 

Furthermore, I trust XXXX XXXX values its customers and their financial well-being. In light of this situation, I urge you to take swift and corrective action to prevent any further inconvenience. Attached are the relevant documents, including proof of payment and correspondence records, to assist in your investigation. 
Please confirm receipt of this letter and provide a timeline for the resolution of this issue. I look forward to your prompt response and the removal of the incorrect late payment status. 

Thank you for your immediate attention to this matter. I appreciate your cooperation and understanding. 

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 non-monetary relief
Consumer complaint received 2024-07-10 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: TN

Complaint narrative:
Dear XXXX XXXX Customer Service, I hope this message finds you well. I am writing to address a critical issue regarding my account, XXXX, and to urgently request the removal of an erroneous 30-day late payment status from my credit report. 

On XX/XX/2024, I made a payment of {$560.00} towards my account. Despite my diligent efforts to ensure timely payments, I was recently informed that a 30-day late payment has been recorded on my credit report. This information is not only distressing but also incorrect, as I have consistently met my financial obligations. 
As a responsible and proactive customer, I meticulously monitor my account activity and ensure all payments are made promptly. The erroneous late payment status on my account is not a reflection of my payment history and commitment to maintaining a good standing with XXXX XXXX. 

I strongly believe this error could have resulted from a processing delay or a technical glitch on your end. I kindly request that you conduct a thorough investigation into this matter and rectify the error by removing the 30-day late payment status from my credit report immediately. This negative mark is unjustly affecting my credit score and overall financial health. 

Furthermore, I trust XXXX XXXX values its customers and their financial well-being. In light of this situation, I urge you to take swift and corrective action to prevent any further inconvenience. Attached are the relevant documents, including proof of payment and correspondence records, to assist in your investigation. 
Please confirm receipt of this letter and provide a timeline for the resolution of this issue. I look forward to your prompt response and the removal of the incorrect late payment status. 

Thank you for your immediate attention to this matter. I appreciate your cooperation and understanding. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 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: TN

Complaint narrative:
Dear XXXX XXXX Customer Service, I hope this message finds you well. I am writing to address a critical issue regarding my account, XXXX, and to urgently request the removal of an erroneous 30-day late payment status from my credit report. 

On XX/XX/2024, I made a payment of {$560.00} towards my account. Despite my diligent efforts to ensure timely payments, I was recently informed that a 30-day late payment has been recorded on my credit report. This information is not only distressing but also incorrect, as I have consistently met my financial obligations. 
As a responsible and proactive customer, I meticulously monitor my account activity and ensure all payments are made promptly. The erroneous late payment status on my account is not a reflection of my payment history and commitment to maintaining a good standing with XXXX XXXX. 

I strongly believe this error could have resulted from a processing delay or a technical glitch on your end. I kindly request that you conduct a thorough investigation into this matter and rectify the error by removing the 30-day late payment status from my credit report immediately. This negative mark is unjustly affecting my credit score and overall financial health. 

Furthermore, I trust XXXX XXXX values its customers and their financial well-being. In light of this situation, I urge you to take swift and corrective action to prevent any further inconvenience. Attached are the relevant documents, including proof of payment and correspondence records, to assist in your investigation. 
Please confirm receipt of this letter and provide a timeline for the resolution of this issue. I look forward to your prompt response and the removal of the incorrect late payment status. 

Thank you for your immediate attention to this matter. I appreciate your cooperation and understanding. 

Sincerely, 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 2024-07-10 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: VA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my credit report. Please remove these accounts from my report they are hurting my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
I am writing to formally document and express my severe frustration and XXXX  over the continuous XXXX  by Credence Resource Management LLC. Despite my previous efforts to resolve this matter, including the submission of a cease and desist letter, the incessant calls and attempts to collect a debt I do not owe have not ceased. For the past several months, I have been receiving frequent and unwanted calls from Credence Resource Management LLC. These calls are in regard to a debt that I have repeatedly stated I do not owe. The persistence of these calls, despite my clear communication and legal request for them to cease, is both unwarranted and XXXX. On XXXX XXXX, 2024, I sent a formal cease and desist letter to Credence Resource Management LLC, explicitly stating that they should stop all communications with me regarding this alleged debt. This letter was sent via certified mail with return receipt requested, to ensure it was received and acknowledged. However, it appears that my request has been ignored, as the calls have continued unabated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 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: AZ

Complaint narrative:
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  The following accounts are being incorrectly reported by delinquent date. The original delinquent date is more than 1 year prior, making this account ineligible to be reported. I demand it be removed from my account 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 non-monetary relief
Consumer complaint received 2024-07-10 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: AZ

Complaint narrative:
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 The following accounts are being incorrectly reported by delinquent date. The original delinquent date is more than 1 year prior, making this account ineligible to be reported. I demand it be removed from my account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 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: AZ

Complaint narrative:
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 XXXXXXXX  The following accounts are being incorrectly reported by delinquent date. The original delinquent date is more than 1 year prior, making this account ineligible to be reported. I demand it be removed from my account 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