vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-05 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: TX

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( XXXX ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 
Please remove the following items from my credit report immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES 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 2024-12-05 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: IL

Complaint narrative:
I am requesting your intervention to resolve the issue of an inaccurate account on my credit report. This has harmed my reputation as a customer, and I urge you to remove these accounts because they are falsely reported and damaging.

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 2024-12-05 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: MS

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.

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 XXXX 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 non-monetary relief
Consumer complaint received 2024-12-05 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: WI

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

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 2024-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
PLEASE SEE THE ATTACHMENT DOCUMENTS FOR THE FOLLOWING ACCOUNTS. DELETE ASAP, WITH XXXX DAYS

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 2024-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Moss Law Firm, P.C.
State: TX

Complaint narrative:
Subject : Complaint Against Moss Law Firm for Violation of 15 USC 1692c Description of the Problem : I am filing this complaint because Moss Law Firm violated the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692c, by engaging in improper communication practices. 

On XX/XX/year> and XX/XX/year>, I requested in writing that Moss Law Firm cease all communication with me regarding an alleged debt. Despite this clear and lawful request, they continued to contact me. This behavior constitutes a violation of my rights under the FDCPA, which explicitly prohibits debt collectors from communicating with a consumer after a cease communication request has been made, except in specific circumstances. 

Details of the Violation : Dates of contact:XXXX  Methods of contact : Letters [ Phone calls, emails, letters, etc. ] Details of communication : Denial of any inaccuracies regarding my account and failing to provide information validating the debt. 

Outcome Desired : I request that Moss Law Firm immediately cease all communication with me regarding this matter as required under 15 USC 1692c. Additionally, I ask that the CFPB investigate this violation to ensure that Moss Law Firm complies with federal laws governing debt collection practices. 

Supporting Documentation : I have attached copies of my written cease communication request, proof of receipt ( if available ), and records of subsequent unauthorized communications from Moss Law Firm to substantiate my claim.

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-12-05 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: MI

Complaint narrative:
- Name : XXXX XXXX XXXX - Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX -New XXXX XXXX XXXX XXXX XXXX XXXXXXXX MI XXXX - Old - Phone : ( XXXX ) XXXX -New ( XXXX ) XXXXOld - Email : XXXX - Company Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX Complaint : I am submitting this complaint to request the immediate deletion of the XXXX XXXX XXXX XXXX account XXXX Reported : XXXX XXXX, 2024 - {$240.00} ) from my credit report. This account is inaccurate, and the derogatory marks are causing me significant harm. 

I also dispute the multiple different open and closed dates reported on my credit report for this account. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires that credit reporting agencies ( CRAs ) ensure the accuracy and completeness of the information reported. 

Furthermore, I dispute the validity of the debt being collected by XXXX XXXX XXXX XXXX. As a third-party debt collector, they have failed to provide me with a wet signature or the original contract, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Truth in Lending Act ( TILA ). 

I invoke the following consumer laws to support my request XXXX XXXX. _Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 et seq._ : This law requires that CRAs ensure the accuracy and completeness of the information reported. 
XXXX. XXXX15 U.S.C . 1681b_ : This law requires that CRAs verify the accuracy of disputed information and delete or correct it if it is found to be inaccurate. 
XXXX. XXXX15 U.S.C . 1681i_ : This law prohibits the reporting of inaccurate or incomplete information, including multiple different open and closed dates. 
XXXX. _Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692 et seq._ : This law prohibits debt collectors from engaging in harassing, oppressive, or abusive conduct. 
XXXX. XXXX15 U.S.C . 1692g_ : This law requires debt collectors to provide consumers with a validation notice, which includes the amount of the debt, the name of the creditor, and a statement indicating that the debt will be assumed valid unless disputed within XXXX  days. 
XXXX. _Truth in Lending Act ( TILA ), 15 U.S.C . 1601 et seq._ : This law requires creditors to provide consumers with clear and conspicuous disclosures regarding credit transactions. 
XXXX. XXXX15 U.S.C . 1638_ : This law requires creditors to provide consumers with a copy of the credit agreement, which includes the terms and conditions of the credit transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: MI

Complaint narrative:
- Name : XXXX XXXX XXXX - Address : XXXX XXXX XXXX, XXXX  XXXX, XXXX, MI XXXX -New XXXX XXXX  XXXX XXXX XXXX XXXX MI XXXX - Old  - Phone : ( XXXX ) XXXX -New ( XXXX ) XXXX - Email : XXXX - Company Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX Complaint : I am submitting this complaint to request the immediate deletion of the XXXX XXXX XXXX XXXX account XXXX XXXX : XXXX XXXX, XXXX  - {$240.00} ) from my credit report. This account is inaccurate, and the derogatory marks are causing me significant harm. 

I also dispute the multiple different open and closed dates reported on my credit report for this account. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires that credit reporting agencies ( CRAs ) ensure the accuracy and completeness of the information reported. 

Furthermore, I dispute the validity of the debt being collected by XXXX XXXX XXXX XXXX. As a third-party debt collector, they have failed to provide me with a wet signature or the original contract, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Truth in Lending Act ( TILA ). 

I invoke the following consumer laws to support my request : 1. _Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 et seq._ : This law requires that CRAs ensure the accuracy and completeness of the information reported.

2. _15 U.S.C . 1681b_ : This law requires that CRAs verify the accuracy of disputed information and delete or correct it if it is found to be inaccurate.

3. _15 U.S.C . 1681i_ : This law prohibits the reporting of inaccurate or incomplete information, including multiple different open and closed dates.

4. _Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692 et seq._ : This law prohibits debt collectors from engaging in harassing, oppressive, or abusive conduct.

5. _15 U.S.C . 1692g_ : This law requires debt collectors to provide consumers with a validation notice, which includes the amount of the debt, the name of the creditor, and a statement indicating that the debt will be assumed valid unless disputed within 30 days.

6. _Truth in Lending Act ( TILA ), 15 U.S.C . 1601 et seq._ : This law requires creditors to provide consumers with clear and conspicuous disclosures regarding credit transactions.

7. _15 U.S.C . 1638_ : This law requires creditors to provide consumers with a copy of the credit agreement, which includes the terms and conditions of the credit transaction.

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 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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:
A fraudulent address appears on my credit report : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. Despite disputing it, it remains on my report. The reporting company claimed to have corrected it. I have a police report, filed with identitytheft.gov, and possess dismissal letters from XXXX XXXX XXXX XXXX. These documents were provided to the credit bureaus and the reporting company, yet the address persists on my report. Erroneous accounts from XXXX XXXX and XXXX XXXX are also listed. Despite submitting a police report and a fraud packet, I received no correspondence, and the credit bureau continues to update these as recent and verified. Additionally, I disputed two XXXX accounts that are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: AL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-12-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: CT

Complaint narrative:
XXXX, I sent a formal debt validation request to Professional Debt Mediation under the Fair Debt Collection Practices Act ( FDCPA ). The debt, reported on my credit profile with a balance of {$2100.00}, is listed as " In Collections/Charge-off. '' I specifically requested : Proof of legal ownership of the debt, including documentation of transfer from the original creditor. 


A detailed, itemized breakdown of the balance, including fees, interest, and charges. 


A signed agreement verifying my obligation to repay the debt. 


As of today, I have not received any of the requested documentation. 

Without this information, the debt remains unvalidated, and I do not acknowledge responsibility for it. Additionally, the debt is inaccurately reported under both my name and my spouses name, which raises concerns about misreporting and errors. Their failure to provide the required information and potential inaccuracies in reporting violate the FDCPA and the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. I sent a letter to Transunion on XX/XX/year> and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. 
There are breaking Federal law, According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report 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.

So I then asked them to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure.

A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either.

They are also breaking these laws as well below According to 15 USC 1681i ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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 ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

This is unfair and if they are doing this to me imagine who else they are doing this too. Can you fix it.

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 2024-12-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX says they are having an issue getting my credit report from equifax. They said they are receiving an error EVERYTIME they try and get the credit report. I called equifax and equifax said credit karma needs to call them and resolve this issue that equifax can not call them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: NC

Complaint narrative:
I used PNC 's online bill pay to pay a credit card bill. Because of the amount of the payment PNC chose to mail a physical check instead of using ACH which is safe, secure, and highly dependable. My credit card company never received the payment and I was charged a {$30.00} late fee and interest of {$460.00}. Had PNC used ACH as they normally do I would not have been changed these fees. Additionally I am now at risk in having a negative entry on my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-05 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: FL

Complaint narrative:
Credit bureaus are continuing to report an account that contains obvious inaccuracies. According to the FCRA I have the right to dispute incomplete or inaccurate information and consumer agencies have the responsibility of deleting inaccurate, incomplete or unverifiable information.

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 2024-12-05 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:
Credit bureaus are continuing to report an account that contains obvious inaccuracies. According to the FCRA I have the right to dispute incomplete or inaccurate information and consumer agencies have the responsibility of deleting inaccurate, incomplete or unverifiable information.

Company response to consumer: Closed with explanation