vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.

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 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To whom it may concern, I am inquiring about my account with the name of XXXX XXXX. The account number is unknown. 
Please provide my consumer disclosure file under FCRA Section 609 ( a ) ( 1 ). I am also requesting the date of first delinquency, as well as the FCRA compliance date, along with the name of the party who reported the date of first delinquency. According to my credit report and what you are reporting the account was open in 2014 ( 10 years ago ). It appears this debt was re-aged, and needs to be deleted immediately. 
My rights dictate my ability to obtain this information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 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: PR

Complaint narrative:
I am writing to formally dispute the collection account listed on my credit reports with TransUnion, XXXX, and XXXX, Upon reviewing my credit reports, I have identified inaccuracies in the reporting of this account that require immediate attention and correction. 

Please find below the details of my dispute : Incorrect Account Status : The account status is reported as " Open '' on all three credit bureaus, which does not accurately reflect the current status of the account. While the account was previously delinquent, it has since been brought current and is being paid as agreed. Therefore, the account should be reported as " Paid as agreed '' or " Current, '' reflecting its updated status accurately. 

Inconsistent Payment History : Although the account history indicates past delinquencies, it fails to reflect recent payments made to bring the account current. While XXXX accurately reflects recent payments, TransUnion and XXXX continue to report delinquencies. This inconsistency in reporting requires clarification and correction to accurately reflect the current payment status of the account. 

Discrepancy in Balance Reporting : There is a discrepancy in the reported balance across the credit bureaus. TransUnion reports a balance of {$160000.00}, whereas XXXX and XXXX report a slightly higher balance of {$160000.00}. Given that the balance is a critical factor in assessing creditworthiness, I request verification and alignment of the reported balance across all three bureaus. 

Date Last Active : The date last active varies among the credit bureaus, with TransUnion reporting XX/XX/2024, while XXXX and XXXX report different dates. This inconsistency raises concerns about the accuracy of the reported information and requires verification to ensure consistent 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 2024-05-14 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: PR

Complaint narrative:
I am writing to formally dispute the collection account listed on my credit reports with XXXX, XXXX, and Equifax, Upon reviewing my credit reports, I have identified inaccuracies in the reporting of this account that require immediate attention and correction. 

Please find below the details of my dispute : Incorrect Account Status : The account status is reported as " Open '' on all three credit bureaus, which does not accurately reflect the current status of the account. While the account was previously delinquent, it has since been brought current and is being paid as agreed. Therefore, the account should be reported as " Paid as agreed '' or " Current, '' reflecting its updated status accurately. 

Inconsistent Payment History : Although the account history indicates past delinquencies, it fails to reflect recent payments made to bring the account current. While XXXX accurately reflects recent payments, XXXX and Equifax continue to report delinquencies. This inconsistency in reporting requires clarification and correction to accurately reflect the current payment status of the account. 

Discrepancy in Balance Reporting : There is a discrepancy in the reported balance across the credit bureaus. XXXX reports a balance of {$160000.00}, whereas XXXX and Equifax report a slightly higher balance of {$160000.00}. Given that the balance is a critical factor in assessing creditworthiness, I request verification and alignment of the reported balance across all three bureaus. 

Date Last Active : The date last active varies among the credit bureaus, with XXXX reporting XX/XX/year>, while XXXX and Equifax report different dates. This inconsistency raises concerns about the accuracy of the reported information and requires verification to ensure consistent reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 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: PR

Complaint narrative:
I am writing to formally dispute the collection account listed on my credit reports with XXXX, Experian, and XXXX, Upon reviewing my credit reports, I have identified inaccuracies in the reporting of this account that require immediate attention and correction. 

Please find below the details of my dispute : Incorrect Account Status : The account status is reported as " Open '' on all three credit bureaus, which does not accurately reflect the current status of the account. While the account was previously delinquent, it has since been brought current and is being paid as agreed. Therefore, the account should be reported as " Paid as agreed '' or " Current, '' reflecting its updated status accurately.

Inconsistent Payment History : Although the account history indicates past delinquencies, it fails to reflect recent payments made to bring the account current. While Experian accurately reflects recent payments, XXXX and XXXX continue to report delinquencies. This inconsistency in reporting requires clarification and correction to accurately reflect the current payment status of the account. 

Discrepancy in Balance Reporting : There is a discrepancy in the reported balance across the credit bureaus. XXXX reports a balance of {$160000.00}, whereas Experian and XXXX report a slightly higher balance of {$160000.00}. Given that the balance is a critical factor in assessing creditworthiness, I request verification and alignment of the reported balance across all three bureaus. 

Date Last Active : The date last active varies among the credit bureaus, with XXXX reporting XX/XX/year>, while Experian and XXXX report different dates. This inconsistency raises concerns about the accuracy of the reported information and requires verification to ensure consistent 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 explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
Transworld Systems Inc ( TSI ) never contacted me about this debt but made multiple attempts to contact my son regarding a supposed medical debit incurred by him as a XXXX On XX/XX/XXXX - after multiple phone calls my son, XXXX XXXX, took a call from TSI. They stated on the phone call it was an attempt to collect on a medical Debt for for XXXX XXXX. XXXX XXXX stated he was not XXXX XXXX but they told me they could contact him since he was now an XXXX over XXXX XXXX XXXX. TSI stated this was a debt collector on a recorded line. Our son was concerned that this debt would be reported on his or my credit, so he agreed to pay for the debt. On XX/XX/XXXX my wife, XXXX XXXX, contacted TSI and was told by a representative they should not have contacted on son since the debt occurred XX/XX/XXXX when he was a minor. XXXX XXXX attempted to validate the debt with TSI but they could only provide a date of service and was not able to provide any additional information ( such as the name of provider or a list of services ). On XX/XX/XXXX, a claim was filed with XXXX XXXX XXXX for the fraudulent charge. On XX/XX/XXXX, XXXX XXXX closed the claim stating XXXX XXXX authorized the charge. Our son was not made aware by the debt collector that he was not responsible for this debt. In addition, no attempts were made to contact me to resolve the debt which was in my name. 

On XX/XX/XXXX, XXXX XXXX contacted TSI again in attempt to reverse the charges. When asked why our son was contacted she was now told by TSI that they were authorized to contact our son and speak to him about the Debt since he was XXXX XXXX XXXX now despite the debt being obtained XX/XX/XXXX when he was only XXXX XXXX XXXX. When XXXX XXXX asked again for them to validate the debt, she was told they were not required to validate the debt since our son had already paid the Debt. This Debt Collector violated the Fair Credit Reporting Act ( FCRA ) by contacting our now adult son to attempt to collect on a debt that occurred when he was a minor. In addition, TSI violated FCRA by failing to validate by failing to provide enough information for us to be able to validate the debt and proof we were responsible for this debt ( failing to provide the name of the provider and a list of services provided ) to neither XXXX XXXX or XXXX XXXX. Both XXXX XXXX and myself have attempted to contact TSI to resolve this matter but their response has held firm that they were legally authorized to collect this debt from our son and that they are not required to validate the date for us.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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: FL

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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: FL

Complaint narrative:
Improper use of my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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:
I paid XXXX XXXX XXXX  to pay to delete however they are still reporting on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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: TX

Complaint narrative:
Under XXXX XXXX XXXX XXXX ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

XXXX XXXX XXXX XXXX ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) XXXX general if, after any reinvestigation under paragraph ( XXXX ) 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. 

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 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: NC

Complaint narrative:
I believe FCRA 605B requires the removal of any incorrect accounts from my credit report. Could you check the documents, please? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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: LA

Complaint narrative:
I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate 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 non-monetary relief
Consumer complaint received 2024-05-15 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX. 
XXXX XXXX XXXX XXXX 
I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2024-05-14 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
I am writing to file a formal complaint against One Main for continuous harassment and the unauthorized disclosure of my personal information, in violation of my legal rights. My name is XXXX, and I have been subjected to repeated and aggressive harassment by XXXX XXXX. This includes threats of lawsuits, and unwarranted phone calls to my family members discussing alleged legal actions against me. 

I have been a victim of identity theft, as substantiated by a police report I possess, which One Main has disregarded. Despite providing this proof, One Main 's representatives continue to disclose my personal information, including my address, over the phone. This conduct not only violates the Fair Debt Collection Practices Act but also endangers my privacy and security. 

Here are details of the harassment : Repeated Calls : I receive calls at inappropriate times, including nighttime, specifically from phone numbers XXXX and XXXX. 
XXXX to XXXX : My family members have been contacted by One Main, where my personal and supposed legal issues have been disclosed without my consent. 
Refusal to Provide Documentation : Despite requests, the agents have refused to provide any written documentation to verify the alleged debt or their claims. 
This situation has caused me considerable XXXX  and has unfairly tarnished my reputation among my family and peers. I am a responsible individual with evidence to support my claims of identity theft, and yet, I find myself battling baseless accusations and privacy invasions. 

I am requesting the XXXX XXXX  intervention in this matter to : Investigate the practices of One Main regarding harassment and misuse of personal information. 
Enforce appropriate penalties for violations of federal laws protecting consumer rights. 
Assist in stopping these infringements on my privacy and ensure such actions are not repeated.

Attached are copies of the police report, records of communication attempts from One Main, and other relevant documents to support my claims. 

Thank you for addressing this serious issue. I look forward to your prompt assistance and resolution. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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: NY

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIZENS FINANCIAL GROUP, INC.
State: MS

Complaint narrative:
this is my XXXX request sending Citizen, XXXX, and XXXX a letters requesting documentation of the alleged late payments pertaining to 15 usc 1666, and a certified letter that was sent out 21 days before any alleged late payments was posted ( 15 usc 1637 ) 15 USC 1666b - A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

they have violate the TILA and requesting the account be updated to paid as agreed, never late or Deleted from my consumer report they are reporting inaccurate information as well, see attachment - 15 USC 1666e ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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: NC

Complaint narrative:
I am deeply concerned about the inaccuracy of my credit report, which is unjustly harming me. I request that you thoroughly investigate this matter and make the necessary urgent corrections. If there are no updates, I will be forced to take legal action.

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 2024-05-14 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: T.S. Holdings
State: SC

Complaint narrative:
IQ DATA INTERNATIONAL continue to call me everyday after I've disputed and tried to cease all communication, but law 15 usc 1692c states that " If a consumer notifies a debt collecter that the consumer refuses to pay a debt the debt collecter must cease all communication. '' IQ DATA INTERNATIONAL also doesn't have my written wet consent meaning that account is opened fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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: IL

Complaint narrative:
According to FCRA 605B, it is required to remove any incorrect accounts from my credit report. Please review the documents, as some accounts are inaccurately reported. I should receive {$1000.00} for each erroneous report on my credit file.

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