vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-22 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: FL

Complaint narrative:
This letter serves as an official and urgent request that you, Experisn, immediately permanently block and remove the fraudulent and inaccurate information currently appearing on my consumer credit report. Pursuant to FCRA 605B ( 15 USC 1681c-2 ), you are required to take action within four ( 4 ) business days of receiving this complaint. The fraudulent account include : XXXX XXXX ( Opened : XX/XX/2020 ). This fraudulent account was not opened, initiated, or authorized by me. This is the result of identity theft and fraud and have led to serious harm and injury to my consumer FICO credit report. I do not recognize this account, and must be removed immediately. Enclosed with this letter, you will find : 1. A list of the fraudulent account in question. 2. A copy of my consumer FICO credit report, highlighting the fraudulent item. 3. A copy of the FTC Identity Theft Complaint ( XXXX ), which confirms that this account is indeed the result of identity theft and fraud. I demand that the account be immediately permanently deleted from my consumer FICO credit report. You are required to mail me a corrected version of my consumer FICO credit report without this fraudulent account. Failure to comply with this request will leave me with no choice but to take legal action against Experian under 15 USC 1681 ( e ) ( b ) for the harm and injury caused. This is your final opportunity to rectify this situation before further legal measures are pursued. I expect to see this matter resolved within the timeframe specified by law, and I will be monitoring my credit report closely to ensure compliance.

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 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
Debt was discharges which makes it a security of indebtedness. Security of indebtedness are considered income according to the IRS which makes it eligible for removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX {$370.00}

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 2024-09-22 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX TransUnion XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Subject : Formal Dispute for Removal of Inaccurate Information XXXX XXXX XXXX ( Account # XXXX ) Dear Sir/Madam, I am writing to formally dispute the information reported on my credit file regarding the account from XXXX XXXX XXXX, referenced above. This account is being inaccurately reported, and I am requesting its immediate and permanent removal from my credit report under the guidelines set forth by the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ). 

Legal Basis for Dispute : FCRA Violations Inaccurate Reporting ( 15 U.S.C. 1681 ) : The FCRA requires that all information on a consumer 's credit report be accurate, complete, and verifiable. Upon reviewing the details reported by your agency, I noticed discrepancies in payment status, delinquency dates, and terms across multiple bureaus. These inaccuracies violate my rights under the FCRA. Reporting this account with errors is damaging and does not meet the standards of accuracy outlined by the law. 

TILA Violations Creditor Definition ( 15 U.S.C. 1602 ( i ) ) : Under the Truth in Lending Act, a creditor is defined as an entity to whom a debt is owed. As this account does not reflect a true debt relationship that I agreed to, and the terms provided do not comply with the required definitions under TILA, this account should not appear on my credit report. Thus, the inclusion of this account is unlawful, and I demand its removal. 

Actions Requested : Permanent Deletion of Account : Due to the inaccurate and incomplete nature of the information, I request that this account be deleted from all credit reporting agencies permanently, with no reposting of any form. This action is required to ensure compliance with the FCRA and TILA. 

Written Confirmation : Please provide written confirmation once the account has been deleted, and my credit report has been updated to reflect this correction. I expect a response within 30 days, as required by law. 

I trust you will handle this matter in accordance with the law and appreciate your prompt attention to this issue. Failure to correct this may result in further action, as permitted under the FCRA and TILA. 

Thank you for your cooperation. 

Sincerely, 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 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX To : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Subject : Formal Dispute for Removal of Inaccurate Information Digital Employee Federal ( Account # XXXX ) Dear Sir/Madam, I am writing to formally dispute the information reported on my credit file regarding the account from Digital Employee Federal, referenced above. This account is being inaccurately reported, and I am requesting its immediate and permanent removal from my credit report under the guidelines set forth by the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ). 

Legal Basis for Dispute : FCRA Violations Inaccurate Reporting ( 15 U.S.C. 1681 ) : The FCRA requires that all information on a consumer 's credit report be accurate, complete, and verifiable. Upon reviewing the details reported by your agency, I noticed discrepancies in payment status, delinquency dates, and terms across multiple bureaus. These inaccuracies violate my rights under the FCRA. Reporting this account with errors is damaging and does not meet the standards of accuracy outlined by the law. 

TILA Violations Creditor Definition ( 15 U.S.C. 1602 ( i ) ) : Under the Truth in Lending Act, a creditor is defined as an entity to whom a debt is owed. As this account does not reflect a true debt relationship that I agreed to, and the terms provided do not comply with the required definitions under TILA, this account should not appear on my credit report. Thus, the inclusion of this account is unlawful, and I demand its removal. 

Actions Requested : Permanent Deletion of Account : Due to the inaccurate and incomplete nature of the information, I request that this account be deleted from all credit reporting agencies permanently, with no reposting of any form. This action is required to ensure compliance with the FCRA and TILA. 

Written Confirmation : Please provide written confirmation once the account has been deleted, and my credit report has been updated to reflect this correction. I expect a response within 30 days, as required by law. 

I trust you will handle this matter in accordance with the law and appreciate your prompt attention to this issue. Failure to correct this may result in further action, as permitted under the FCRA and TILA. 

Thank you for your cooperation. 

Sincerely, 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 2024-09-22 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: NY

Complaint narrative:
Since the date of last activity has been updated inconsistently across credit bureaus, I am concerned about the accuracy of this account. On Equifax, the last activity is reported as XX/XX/XXXX, on XXXX it's XX/XX/XXXX, and on XXXX it's XX/XX/XXXX. If the information is coming from the original creditor, these dates should be identical. Given these discrepancies, the account can not be considered fully accurate and is therefore deemed inaccurate. I request that this account be removed from my credit report. 
account name : XXXX  account number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-22 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: SC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. 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 non-monetary relief
Consumer complaint received 2024-09-22 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: SC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. 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 2024-09-22 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: FL

Complaint narrative:
I called XXXX and XXXX XXXX sent please report and I sent information that they asked for they have done nothing. I asked them to remove all the hard inquiries from both great reports and they have yet to do anything. They said theyre not. Its not hurting your Credit XXXX  XXXX And I asked him to remove old Close account and they said its not hurting your credit report and theyre still there after XXXX or XXXX years. These accounts are old and they have been closed for years and theyre still there.

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 2024-09-22 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: GA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. 

XXXX XXXX  XXXX {$240.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-22 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: GA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. 

XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/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 2024-09-23 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: LA

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have problems with Equifax I removing old accounts on my credit report and each time they say oh you want to dispute and XXXX days later it comes back they said no its not your account from the Credit company and theres hard inquiries thats on my report that are not mine they refused to remove them and they refused my disputes

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. 

Name : XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Previous Address ( es ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/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 2024-09-22 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: GA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. 

XXXX XXXX XXXXXXXX {$240.00}

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 2024-09-22 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: GA

Complaint narrative:
Please block this information from my credit report within four business days pursuant to section 605C the Fair Credit Reporting Act. Please send me a notification the actions taken. I appreciate your prompt swift attention to this important matter. Thanks, 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 2024-09-22 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: SC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. 

Also Known As : XXXX, XXXX, XXXX  Also Known As : XXXX  XXXX, XXXX Also Known As : XXXX XXXX Previous XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX Previous Address:XXXX XXXXXXXX XXXX XXXX, SC 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 2024-09-22 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: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
On XX/XX/XXXX I submitted a dispute with the cfpb about midland credit management account number XXXX Complaint numbers XXXX and XXXX with XXXX  and XXXX. 
Mentioned in the dispute is how midland is deliberately reporting inaccurate information on my report. In several disputes with XXXX  and XXXX, I have asked the company for proof that this account or alleged debt belongs to me. Midland, XXXX and XXXX have failed to provide adequate information to me. Midland is reporting a collection as open with XXXX  even and marked it as meeting fcra regulations. That is incorrect and a clear violation. To make matters worse, midland shows the date of last activity with XXXX  as XX/XX/XXXX and XX/XX/XXXX with XXXX. I have not made any sort of payment or arrangement for this alleged debt. Midland is updating the date of last activity to re-age the account and continue to harm me and my credit score. I demand that Midland provide proof to me. I request full validation including a contract with my signature that says I agreed to pay midland credit management something. Not some bill or statement that just has name and address. I was previously a victim of id several data leaks including the one with XXXX, employers and XXXX XXXX XXXX. Therefore I request the that midland provides me with the purchase agreement and original contract with my signature

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 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: SC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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.

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 2024-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I received a text from Wells Fargo asking if I had recently approved a transfer in the amount of {$2200.00} to someone. I responded no as I didn't obviously want that to go through or approve but I don't even have a Wells Fargo credit card. The next day I received a call from Wells Fargo asking if I had approved a transfer to a woman named XXXX XXXX, and I said no I do not know anyone by that name. After that we became disconnected, I waited for about 10 minutes cuz I assumed that the man would call me back however he did not. I then called the Wells Fargo number he called me from and spoke with a woman who was unable to verify my identity and suggested that I go into a local Wells Fargo branch, which I did on XXXX XXXX XXXX. The banker checked and confirmed that I do not have a bank account or credit card under Wells Fargo. She then proceeded to tell me that someone within the last month has come into the Wells Fargo Bank in XXXX XXXX XXXX I don't know which one under my name requesting an account be opened and money transferred to this person. I put a freeze on my credit report, but obviously somebody stole my identity, and coincidentally my car had been broken into on XX/XX/XXXX XXXX. I have filed a police report. I have two phone numbers, one is from the text I received and the other is the actual phone call number which I will attach that as well as my police 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 explanation
Consumer complaint received 2024-09-23 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: TX

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. 

Wrong Personal Informations : Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation