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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Dispute Division XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Subject : Request for Investigation and Immediate Deletion of Unrecognized Accounts Reference Numbers : FTC XXXX CFPB To Whom It May Concern, I, XXXX XXXX, am writing to formally dispute several inaccuracies on my credit report and request the following actions : 1. Removal of Unauthorized Accounts and Items : There are multiple creditors and items listed on my credit report that I have no knowledge of and did not authorize. These items must be removed immediately.

Disputed Accounts : XXXX XXXX XXXX ( XXXX XXXX ) : Account Ending # XXXX ( XX/XX/XXXX ) Account Ending # XXXX ( XX/XX/XXXX ) Account Ending # XXXX ( XX/XX/XXXX ) Additional Accounts Ending in # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXXXXXX XXXX XXXX XXXX  : Account # XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) Opened XX/XX/XXXX, {$430.00} balance XXXX XXXX XXXX ( # XXXX ) Opened XX/XX/XXXX, {$300.00} balance 2. Inquiries : I do not recognize the following inquiry and request its investigation and removal : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Background on Previous Actions : Experian ( XX/XX/XXXX ) - Dispute filed ( Reference : XXXX ). 

XXXX  XXXX ( # XXXX ) XXXX XXXX XXXX ( # XXXX ), XXXX XXXX ( # XXXX ) - Disputes previously filed. 


Please investigate and address these issues promptly. I expect a response confirming the resolution within the timeframe outlined by the Fair Credit Reporting Act ( FCRA ). If additional documentation is required, do not hesitate to contact me at the address listed above.

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX Experian Dispute Division XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Subject : Request for Investigation and Immediate Deletion of Unrecognized Accounts Reference Numbers : FTC XXXX CFPB To Whom It May Concern, I, XXXX XXXX, am writing to formally dispute several inaccuracies on my credit report and request the following actions : 1. Removal of Unauthorized Accounts and Items : There are multiple creditors and items listed on my credit report that I have no knowledge of and did not authorize. These items must be removed immediately.

Disputed Accounts : XXXX XXXX XXXX ( XXXX XXXX ) : Account Ending # XXXX ( XX/XX/XXXX ) Account Ending # XXXX ( XX/XX/XXXX ) Account Ending # XXXX ( XX/XX/XXXX ) Additional Accounts Ending in # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX XXXX XXXX XXXX : Account # XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) Opened XX/XX/XXXX, {$430.00} balance XXXX XXXX XXXX ( # XXXX ) Opened XX/XX/XXXX, {$300.00} balance 2. Inquiries : I do not recognize the following inquiry and request its investigation and removal : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Background on Previous Actions : Experian ( XX/XX/XXXX ) - Dispute filed ( Reference : XXXX ). 

XXXX  XXXX ( # XXXX ) XXXX XXXX XXXX ( # XXXX ), XXXX XXXX ( # XXXX ) - Disputes previously filed.


Please investigate and address these issues promptly. I expect a response confirming the resolution within the timeframe outlined by the Fair Credit Reporting Act ( FCRA ). If additional documentation is required, do not hesitate to contact me at the address listed above. Sincerely
, 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 2024-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
A former employee used altered date checks to withdraw money from our business accounttotal amount XXXX {$47000.00} $ unauthorized consumer purchase transaction was taken from our account in 2.5 months. 

The bank does not want to file disputes for us, and inform us to contact the merchant.We have contacted them all of them ask us to file disputes with my bank.

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 status incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Inconsistent late payments on my credit report need correction to match my usual history.

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: EQUIFAX, INC.
State: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Subject : Dispute of Inaccurate Information on Consumer Report Dear TransUnion, According to 15 U.S.C. 1681b ( a ) ( 2 ), a consumer report may only be furnished in accordance with the written instructions of the consumer to whom it relates. I was never given an opportunity to decide if I wanted the inaccurate and negative information currently on my report to be included.

I did not provide consent to anyone to furnish false or misleading information on my consumer report. I request that you investigate this matter and remove any inaccurate or unauthorized entries immediately. Please confirm in writing once this issue has been resolved.

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 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: 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 has violated my rights.

I looked at my TransUnion 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 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 status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2024-11-19 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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: PA

Complaint narrative:
This morning, I discovered inaccurate accounts on my credit report, and I am completely baffled as to how they got there. I routinely check my report, but this time, discrepancies appeared out of nowhere. I even refreshed my browser, hoping it was just a technical glitch, but nothing changed. These inaccuracies remained, and I am left deeply concerned. I urgently ask that the documents I've provided be carefully reviewed to ensure this issue is permanently resolved and I can stop worrying.

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 — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Requesting the immediate removal of unauthorized and inaccurate accounts from my credit report.

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: MI

Complaint narrative:
I am a victim of identity theft. Fraudulent items are being reported in error on my credit report. I submitted a police report listing the fraudulent items and requested that they be blocked pursuant to the Fair Credit Reporting Act Section 605B.

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: TX

Complaint narrative:
This complaint serves as a formal notice regarding the unresolved items on my credit report, submitted previously with an FTC report ( # XXXX, XXXX & XXXX ). Despite my efforts, these items have not yet been removed. Under Section 605B of the Fair Credit Reporting Act ( FCRA ), it is your duty to ensure the removal of any disputed items reported inaccurately, especially when accompanied by an FTC report. 

The items below continue to be reported inaccurately, infringing on my rights due to incorrect credit reporting. If these entries are not removed promptly, I will be left with no choice but to involve my attorney to initiate legal proceedings. However, I would prefer to avoid such steps if you adhere to the law in a timely manner. Attached here in this letter a new FTC report ( # XXXX & XXXX ) for reference. 

Please remove the disputed items below, as they were added to my credit report without my knowledge or consent, as required by FCRA Section 605B : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

As outlined in Section 605B ( a ) of the FCRA, you are obligated to delete any disputed items within four ( 4 ) business days when provided with : ( 1 ) appropriate proof of my identity, ( 2 ) a copy of an FTC report, ( 3 ) identification of the disputed information, and ( 4 ) my statement affirming that this information does not relate to any of my transactions. 

Please also note that I do not authorize the use of XXXX or any automated verification methods for this request. I expect your full compliance and confirmation of removal within the specified four business days. 

Thank you for your immediate attention to this matter. I await your response within the stipulated timeframe.

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: KS

Complaint narrative:
I recently reviewed my credit and noticed fraudulent activity on my report. Please remove all fraudulent activity as it is hurting my ability to obtain credit. Thank you.

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 status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
XXXX credit bureau refused to removed incorrect address from my credit report also they refused to removed fraudulent account I have been disputed are not mine

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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
XXXX credit bureau refused to removed incorrect address from my credit report also they refused to removed fraudulent account I have been disputed are not mine

Company response to consumer: Closed with explanation
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: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
Re : Account Number XXXX Original Lender : LVNV Funding LLC Original Balance : {$820.00} Current Balance : {$900.00} Dear LVNV Funding LLC, I am writing to request validation of the alleged debt associated with the above account number. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., I demand that you provide the following documentation : 1. Original contract or agreement.

2. Proof of assignment or transfer of debt.

3. Verification of the debt amount.

4. Proof of my liability for the debt.

5. Any relevant accounting or payment records.

Please confirm : 1. Date of last payment.

2. Amount paid. 
XXXX. Date account was charged-off. 

Provide documentation from the original creditor, XXXX XXXX BXXXX XXXXXXXX, demonstrating : 1. Assignment or sale of debt.

2. Authority to collect.

This request is made pursuant to : 1. Fair Debt Collectio
n Practices Act ( FDCPA ) 2. Fair Credit Reporting Act ( FCRA ) Failure to provide the requested documentation within 30 days will result in : 1. Disputation of the debt with XXXX, XXXX, and XXXX. 
2. Potential reporting violations. 
Validate this debt or consider it disputed.

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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. 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 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am a victim of identity theft. I provided the credit bureau with my police report listing fraudulent accounts in detail. Upon providing my police report, the credit bureau continues to report fraudulent accounts on my credit profile in error. I am requesting that they process my request to block fraudulent items listed in my police report pursuant to the Fair Credit Reporting Act Section 605B.

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
I was sued by portfolio recovery for a debt collection they purchased from XXXX XXXXXXXX XXXXd not give me a copy of a valid contract between me and creditor or terms and conditions of debt owed. In recent stipulation against portfolio recovery they are required to give these original documents to the consumer they are attempting to collect debt from. They have not provided them to me or the court and have received a judgement against me.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I recently viewed my credit and noticed fraudulent activity on my report. Please remove fraudulent activity as it is hurting my ability to obtain credit. Thank you.

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