vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-19 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: TX

Complaint narrative:
I recently reviewed a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2024-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-07-19 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: MO

Complaint narrative:
I'm furious with how XXXX, XXXX, and Experian are screwing up my credit report! Ive tried to fix these errors, but you keep ignoring me, which breaks the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i.

I've sent letters through basic software, but your silence is illegal. No Power of Attorney is needed for this. Under FCRA Section 611 ( 15 U.S.C. 1681i ) and XXXX XXXX standards, I have the right to dispute false info on my report. Your bogus delinquency claims dont meet federal or state standards. 
Prove theres a valid reason for these inquiries or accounts, or admit you failed. The XXXX data breach screwed me with fraudulent entries, violating 15 U.S.C. 1681 Section 602A.

15 U.S.C. 1681 Section 602A : My right to privacy 15 U.S.C. 1681 Section 604A Section 2 : No account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items older than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) : No knowingly inaccurate info You have 30 days to fix this! I want proof of what you did and an updated credit report. Remove the false claims NOW!

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 2024-07-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
I did not have the opportunity to dispute this information prior to you putting a collection on my credit report. If in fact you ( Transworld Systems ) believe you gave me proper notification then please send me the certified mail receipt with my signature on it. Transworld Systems, you never sent me any notice within 5 days once you received this account from the original creditor. The {$500.00} amount was paid for and you ( Transworld Systems ) placed a collection on my credit report after the payment was already made. Note- I am XXXX XXXX XXXX natural person and I am the actual person submitting this dispute and I am not a XXXX party.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 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: AZ

Complaint narrative:
Please see attached documents. Do not close this complaint stating it is not me. I am a natural person and a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 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: NV

Complaint narrative:
This is my last notice before I move to litigation. You are reporting fraudulent accounts on my credit. Never had these accounts. I have already reported these fraudulent accounts.

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 2024-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My account with ( XXXX XXXX XXXX  ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments 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. 


( XXXX XXXX XXXX  ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2024-07-19 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Cell : XXXX [ Date ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Request for Assistance with Removal of Inaccurate Information from My Credit Report Dear XXXX XXXX XXXX hope this letter finds you well. 

My name is XXXX XXXX XXXX, and I am writing to seek your assistance regarding several inaccuracies currently reflected on my credit report. Despite multiple attempts to inform the credit bureaus ( XXXX, Equifax, and XXXX ) of these inaccuracies, I have yet to receive a response, and the erroneous information remains on my credit report. 

The presence of these errors is negatively impacting my credit score, my ability to make significant purchases, and my opportunities for obtaining a federal job. I have enclosed a copy of my credit report, highlighting the accounts that should have been deleted a long time ago, as they have been resolved. Specifically, I am requesting the immediate removal of the following : XXXX. XXXXXXXX XXXX XXXXXXXX : These accounts have been fully paid off and should no longer appear on my credit report. 
XXXX. XXXX XXXX : Any collections agency currently listed on my credit report should be removed, as I have successfully resolved these accounts. Enclosed are copies of letters confirming the resolution of these accounts. 
XXXX. **Incorrect Addresses** : My current and only address is XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX Any other addresses listed are incorrect and should be removed from my credit report. 

Additionally, I am an authorized user for XXXX bank accounts with XXXX XXXX  XXXX, XXXX, and XXXX XXXX. Please update my credit report to accurately reflect this status. 

The continued presence of these inaccuracies is causing undue hardship for my family and hindering my career opportunities. I kindly request that you intervene and assist in resolving these issues promptly. 

Once the necessary corrections have been made, please send me a copy of my most recent credit report for my records. 

Thank you for your prompt attention to this matter. I appreciate your assistance and understanding. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-19 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: WA

Complaint narrative:
Experian dropped my score by XXXX points yesterday ) XX/XX/XXXX ) because they claim : XXXX. " The time since your last delinquencywhich includes late payments, derogatory marks and collection accountsis now 2 months, meaning you have at least XXXX new delinquency on your report. '' Completely false. There are no new delinquencies. I clicked to review yesterday 's new report, and this accusation is false. 

XXXX. " The time since a payment was 30 days late is now 2 months, meaning you have at least XXXX new late payment on your report. '' Also completely false. I am currently disputing a late payment, but that account was paid in full and closed in XXXX of this year. 

I am already HOMELESS because of credit reporting errors, and they just won't stop! LOOK at my recent reports and you'll see that these statements from XXXX are complete LIES!

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 2024-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-07-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am writing to formally lodge a complaint concerning a persistent issue with my credit report that has severely impacted my financial well-being. Despite my efforts, this matter has remained unresolved since XX/XX/XXXX. 

In XX/XX/XXXX, I discovered a fraudulent Capital One account on my credit report, with the account number XXXX. Despite numerous attempts to rectify this issue with the credit bureau, including providing all necessary documentation, the account has been reinserted into my credit report. This ongoing issue has caused me significant stress and frustration. 

In an effort to resolve this matter and alleviate the associated stress, I decided to pay the account, despite its fraudulent nature. However, the account remains on my credit report with the following details : Current Payment Status : In Collections/Charge-off ( 15 USC 1681i ) Remarks : Payment after charge off/collection ; Dispute resolved; reported by grantor ( 15 USC 1681s-2 ) Times XX/XX/XXXX Days XXXX : ( 15 USC 1681i ) Closed As Of : XX/XX/XXXX Additionally, the credit bureau removed the account at XXXX point XXXX only to reinsert it later. This cycle of removal and reinsertion led me to pay the account in hopes of resolving the issue, but the account remains unresolved. I also requested validation from the creditor and completed an identity theft affidavit, yet the account persists on my report. 

For your reference, I previously filed a complaint on XX/XX/XXXX, under COMPLAINT ID XXXX & XXXX. However, the response addressed a different account, an auto loan with reference number XXXX. The account I am disputing is the Capital One account mentioned above. 

Thank you for your attention to this matter. Please contact me if you require any additional information or documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 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: IL

Complaint narrative:
I am writing to formally lodge a complaint concerning a persistent issue with my credit report that has severely impacted my financial well-being. Despite my efforts, this matter has remained unresolved since XX/XX/XXXX. 

In XX/XX/XXXX, I discovered a fraudulent XXXX XXXX account on my credit report, with the account number XXXX. Despite numerous attempts to rectify this issue with the credit bureau, including providing all necessary documentation, the account has been reinserted into my credit report. This ongoing issue has caused me significant stress and frustration. 

In an effort to resolve this matter and alleviate the associated stress, I decided to pay the account, despite its fraudulent nature. However, the account remains on my credit report with the following details : Current Payment Status : In Collections/Charge-off ( 15 USC 1681i ) Remarks XXXX Payment after charge off/collection ; Dispute resolved; reported by grantor ( 15 USC 1681s-2 ) Times XX/XX/XXXX Days XXXX : ( XXXX XXXX XXXX ) Closed As Of : XX/XX/XXXX Additionally, the credit bureau removed the account at XXXX point XXXX only to reinsert it later. This cycle of removal and reinsertion led me to pay the account in hopes of resolving the issue, but the account remains unresolved. I also requested validation from the creditor and completed an identity theft affidavit, yet the account persists on my report. 

For your reference, I previously filed a complaint on XX/XX/XXXX, under COMPLAINT ID XXXX & XXXX. However, the response addressed a different account, an auto loan with reference number XXXX. The account I am disputing is the XXXX XXXX account mentioned above. 

Thank you for your attention to this matter. Please contact me if you require any additional information or documentation.

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 2024-07-19 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: OH

Complaint narrative:
I looked at my report back on XX/XX/year>, and I noticed some things are incomplete or not accurate. According to the fair credit report act, when ever 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 repost relates. These accounts [ XXXX XXXX, XXXX ] and [ XXXX XXXX XXXX, XXXX ] are not complete and accurate. 

[ XXXX XXXX, XXXX ] open date is not reporting correctly, the balance, date last active, and date of last payment is not correct, this account is not accurate. 

[ XXXX XXXX XXXX, XXXX ] open date is not reporting correctly, the balance, date last active, and date of last payment is not correct, this account is not accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-19 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: OH

Complaint narrative:
I looked at my report back on XX/XX/year>, and I noticed some things are incomplete or not accurate. According to the fair credit report act, when ever 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 repost relates. These accounts [ XXXX XXXX, XXXX ] and [ XXXX XXXX XXXX, XXXX ] are not complete and accurate. 

[ XXXX XXXX, XXXX ] open date is not reporting correctly, the balance, date last active, and date of last payment is not correct, this account is not accurate. 

[ XXXX XXXX XXXX, XXXX ] open date is not reporting correctly, the balance, date last active, and date of last payment is not correct, this account is not accurate.

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 2024-07-19 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: NV

Complaint narrative:
This is my last notice before I move to litigation. You are reporting fraudulent accounts on my credit. Never had these accounts. I have already reported these fraudulent accounts.

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 2024-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
SPS has agreed to my modification request ; I want to modify my loan so that the XXXX XXXX is eliminated while continuing to impound my taxes and insurance as before. To wit, I know that the interest rate will go from XX/XX/XXXX % to about XX/XX/XXXX % or XX/XX/XXXX %, XXXX - year fixed so I am making sure that this happens in a smooth and reliable manner. I am have already submitted the XXXX form ( attached ) and will keep the CFPB and XXXX updated on the progress of the modification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I'm furious with how XXXX, TransUnion, and XXXX are screwing up my credit report! Ive tried to fix these errors, but you keep ignoring me, which breaks the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i. I've sent letters through basic software, but your silence is illegal. No Power of Attorney is needed for this. Under FCRA Section 611 ( 15 U.S.C. 1681i ) and XXXX XXXX standards, I have the right to dispute false info on my report. Your bogus delinquency claims dont meet federal or state standards. Prove theres a valid reason for these inquiries or accounts, or admit you failed. The XXXX data breach screwed me with fraudulent entries, violating 15 U.S.C. 1681 Section 602A. Heres where you messed up : 15 U.S.C. 1681 Section 602A : My right to privacy 15 U.S.C. 1681 Section 604A Section 2 : No account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items older than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) : No knowingly inaccurate info You have 30 days to fix this! I want proof of what you did and an updated credit report. Remove the false claims NOW!

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