vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-19 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: NJ

Complaint narrative:
Im reaching out to dispute incorrect details on my TransUnion credit report that could seriously harm my credit profile. The employer listed as " SELF EMPLOYED '' is inaccurate and does not reflect my actual employment. I am currently employed at XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ), I understand that I have the right to dispute incorrect information and that credit bureaus are required to investigate and make sure everything is accurate. I believe these personal details violate that standard of accuracy, and Id like some help to finally get this sorted out.

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 2024-12-19 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: FL

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2024-12-19 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: VA

Complaint narrative:
In reference to cfpb complaint XXXX Attention : CFPB my FCRA rights are continously being violated and i need for someone to look into this issue ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Dear CFPB, I am filing a complaint against the XXXX credit repair reporting agencies due to inaccurate credit reporting. Despite my efforts to resolve the matter, they have not addressed my concerns, negatively affecting my credit score. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I have the right to accurate information in my credit report and a proper investigation of disputes. I also invoke the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ) regarding unfair or abusive debt collection practices. 

I request that the CFPB : Investigate this issue. 
Ensure corrections are made to my credit report. 
Enforce compliance with federal laws. 


Thank you for addressing this matter promptly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I am writing to dispute inquiry on my credit report that I believe are not mine. Upon reviewing my credit report, I noticed several inquity that I did not authorize or recognize. It appears that someone may have used my personal information without my consent to make these inquiries. This inquiry not mine : XXXX XXXX XXXX Inquiry Date XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XX/XX/year>, a fraudulent person hacked into my XXXX  account and transferred out XXXX sets of concert tickets to themselves. They managed to do this because XXXX was compromised XXXX XXXX XXXX XXXXXXXX ). 

Immediatelly after this happened, I contacted ticketmaster asking that they restore the tickets. They did for XXXX of the concerts, for the other XXXX they said they would but never did. The response time was very slow, and all communication was through the live chat feature because I wasn't able to get through via phone. 

This dispute is about a XXXX XXXX concert in particular which was in XXXX. The tickets remained inaccessable on the day of the concert, XXXX  failed to help me before the concert and failed to provide a refund after the concert. I disputed this transaction with Chase, and they denied my dispute, saying XXXX had no record of me requesting a cancellation. 

Unfortunately transcripts of my conversations have now conveniently disappeared from the XXXX  website.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: Nelnet, Inc.
State: KY

Complaint narrative:
I just got my credit report and some accounts on my credit report are incomplete and inaccurate. Which is a violation of XXXX XXXX XXXX ( b ). You also violated XXXX XXXX XXXX ( a ) & ( b ), XXXX XXXX XXXX XXXX XXXX ) ( A ) ( i ) & ( ii ). Any person fails to comply and fix this matter will be liable under XXXX XXXX XXXX. Which is civil liability for willful non-compliance. 
XXXX 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 XXXX XXXX  Delete this accounts immediately, because of violation XXXX XXXX XXXX ( b ), XXXX XXXX XXXX ( XXXX ) ( A ) ( i ) & ( ii ), and XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Delete this account immediately, because of violation XXXX XXXX XXXX ( b ) XXXX XXXX XXXX ( XXXX ) ( A ) ( i ) & ( ii ), and XXXX XXXX XXXX. 
Once you have deleted this accounts from my credit report, please send me a copy of my updated report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: OH

Complaint narrative:
I XXXX XXXX XXXX, am writing on my own as natural person and consumer who is a victim of identity theft. I am requesting the immediate removal of the following items from my consumer credit report in accordance with XXXX XXXX XXXX XXXX. This statute requires that any information identified by the consumer as resulting from identity theft must be blocked from the consumer 's credit report within XXXX business days of receipt of my request. It has been over XXXX  days since my initial request, and you are in violation of this law. 
This dispute is not being made in error, nor is it based on any misrepresentation of fact on my part. The information I am disputing is fraudulent, and the entities that reported these items DO NOT have lawful authority to do so. According to the law, these companies are required to have tax documents or other forms of written consent to charge off or report these items under my name. I did not provide such consent, and as such, these items are in violation of my privacy XXXX XXXX XXXX XXXX XXXX, consumer reporting agencies may only furnish a consumer report in accordance with the written instructions of the consumer. I NEVER provided any written consent for any consumer reporting agency to report the information listed below on my behalf, and their failure to adhere to this law constitutes a clear violation of my rights as a federally protected consumer. 
Please delete the following items from my credit report immediately Addresses Collections XXXX Inquiries Employers These accounts should not appear on my consumer report, as they are the result of identity theft. Please ensure these fraudulent accounts are removed as required under the law. The companies reporting these items have failed to provide proof of my consent or authorization, which makes their actions unlawful. 
I respectfully demand that you take the necessary steps to delete these accounts from my credit report and send me written confirmation that these items have been removed. This request is made under the rights provided to me by the Fair Credit Reporting Act and related laws. 
Thank you for your immediate attention to this matter. I look forward to your timely response.

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 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UPGRADE, INC.
State: TX

Complaint narrative:
I am writing to address a serious issue regarding an account that your company charged off and reported to the credit bureaus. The account in question is as follows : Account Number : XXXX Under IRS guidelines, when a debt is charged off and considered canceled or forgiven, a Form XXXX ( Cancellation of Debt ) is typically issued to the debtor to report the cancellation as potential taxable income. To date, I have not received a Form XXXX for this charged-off account, which raises concerns about the legitimacy and completeness of your reporting. 
By failing to issue a XXXX, you have not complied with your obligations to notify me of any potential tax implications or the discharge of this debt. As such, the continued reporting of this account as a valid debt on my credit report is inaccurate and unjust. 
I respectfully request that you : XXXX. Remove this account from my credit report with all credit bureaus immediately. 
XXXX. Provide me with written confirmation of the removal. 
Failure to resolve this matter promptly may leave me no choice but to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursue legal remedies to address the inaccurate reporting. 
Thank you for your immediate attention to this matter. I expect a response within 30 days of receiving this letter. Please send any correspondence to the address listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: MS

Complaint narrative:
My recent review of my credit report revealed billing errors, specifically late payments, which are not consistent with my history. Please update my account to reflect accurate 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 2024-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Independence Capital Recovery, LLC
State: OH

Complaint narrative:
I am a third party who has been contacted by XXXX at XXXX  ( XXXX XXXX XXXX ) from phone number XXXX on several occasions over the last XXXX  years for a debt owed by my son XXXX XXXX I dont have the exact date in XXXX or XXXX but I asked XXXX  not to contact me any further about my sons debt and they stated they would remove my phone number from their systems. 
On XX/XX/XXXX yet again I received a call from XXXX. He never asked to confirm my identity nor my relation to the debtor before providing my sons full name, date of birth and the fact that his payments have been declining. I again asked them not to call my phone number and again he stated he would remove the number. I feel XXXX  is violating the FDCPA by calling me after being told not to. I feel XXXX is at this point harassing me about a debt I have no affiliation with. Not once did XXXX ask to confirm who I was, my name, nor if I even know the debtor. My son has not received any calls from XXXX despite having the same phone number for at least XXXX  years and despite providing the number to XXXX in XXXX or XXXX when they first contacted me and I informed my son about their call.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-12-19 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: NY

Complaint narrative:
This is my XXXX requests to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$10000.00} XXXX  XXXX XXXX Balance Owed : {$11000.00}

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 2024-12-19 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: EQUIFAX, INC.
State: NC

Complaint narrative:
After reviewing my credit report, i realized there were numerous items that are not accurate. i then contacted the credit reporting agency and unfortunately received no help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 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: IL

Complaint narrative:
I previously had XXXX XXXX separate accounts with XXXX XXXX  XXXX. A check and savings account and a credit card account. In order to use the credit card account, money has to be transferred to that account and XXXX pays for goods and services, but uses the consumers available money. I no longer use either accounts for XXXX because my account is closed and I should not have a past due balance of {$4700.00} because the money I transferred to the XXXX XXXX  account paid the {$4700.00}. There is no way to contact any representatives at XXXX via telephone pertaining to this and every email I have sent them does not get delivered, which is no fault of my own.

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 2024-12-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Reporting by TransUnion for Account XXXX Dear CFPB Team, I am filing a formal complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for account XXXX. Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Since my last dispute, nothing has changed, and the inaccuracies persist. 
FCRA Violations : 15 U.S. Code 1681i : This section mandates that credit reporting agencies ensure the accuracy of information in consumer files. The failure to correct the inaccurate reporting of late payments demonstrates non-compliance with this requirement.

15 U.S. Code 1666b : Creditors are required to send periodic statements at least 21 days before the payment due date. The reported late payment suggests a failure to comply with this standard.

TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness and financial reputation.

PAANL Violations : Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers. The persistent inaccuracies in my credit report violate this principle. 
Summary of Errors and Discrepancies for Account XXXX TransUnion Late Payment : A XXXX late payment was inaccurately reported for XX/XX/XXXX. 
XXXX XXXX : Reported as {$5000.00}, differing from other bureaus. 
Last Verified Date : Marked as XX/XX/XXXX, inconsistent with other bureaus. 
Closed Date : Listed as XX/XX/XXXX, different from other reports. 
Dispute Status : Marked as " Account not disputed, '' despite prior disputes submitted. 
Account Remarks : Incorrectly states " Canceled by credit grantor. '' Two-Year Payment History ( Late Payment Dates ) : Reported a XXXX late payment in XX/XX/XXXX. 
Desired Resolution : Immediate removal of the late payment notation from my credit report. 
Written confirmation of the correction. 
If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with relevant agencies. The continuous inaccuracies in my credit report must be addressed to ensure compliance with federal laws and to protect my consumer rights. 
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 2024-12-19 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Cease and Desist from Contact Regarding account number : XXXX Dear XXXX XXXX XXXX XXXX  I am writing to formally request that you cease and desist all communication with me regarding the above-referenced debt, including but not limited to phone calls, letters, emails, or any other form of contact. This request is made in accordance with the Fair Debt Collection Practices Act ( FDCPA ). 

Please be advised that I am requesting you to stop all further attempts to collect this debt, and I ask that you refrain from contacting me again. If you continue to attempt to collect this debt after receiving this notice, I may file a complaint with the Consumer Financial Protection Bureau ( CFPB ) or my states Attorney Generals office.

Please confirm in writing that you have received this request and that you will comply with it. Per Section 623 ( A ) ( 1 ) ( A ) ( B ) you have been notified and you are not allowed to report moving forward. Also per section 15 USC 1681i ( a ) ( 6 ) ( b ) ( iii ) Im also requesting the procedure used to determine the accuracy and completeness of the information that is reporting. If you continue to report this debt you will be in complete violation of the law. I am also requesting that you provide me with written verification of the debt, as required by law, if you have not done so already. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: OK

Complaint narrative:
There is an account on my credit report that appears to be incorrect and unverified.

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 2024-12-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Absolute Resolutions Corp.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX Account XXXX : XXXX and XXXX Absolute Resolutions LLC Account Numbers : XXXX ( {$22000.00} ) and XXXX ( {$6400.00} ) Original Creditor : XXXX XXXX XXXX XXXX These accounts were originally charged off by XXXX XXXX XXXX XXXX. Subsequently, XXXX XXXX negotiated a repayment plan for these debts on my behalf, and I began making payments in good faith toward these obligations. 

However, XXXX XXXX XXXX XXXX sold the accounts to Absolute Resolutions LLC despite the repayment agreement being in place. Absolute Resolutions LLC has since reported these accounts on my credit report. I believe that this action violates the terms of the repayment arrangement established through XXXX XXXX. 

This situation has caused significant harm to my credit profile, and I am requesting immediate resolution : XXXX XXXX XXXX XXXX should instruct Absolute Resolutions LLC to remove these accounts from my credit report. 
Absolute Resolutions LLC must cease reporting these accounts to the credit bureaus. 
If this matter is not resolved promptly, I will pursue legal action to protect my rights under applicable laws. 

Please respond in writing within 30 days of receiving this letter to confirm the steps you will take to address this matter. 

Thank you for your attention to this issue. I look forward to your prompt resolution. 

Sincerely

Company response to consumer: Closed with explanation