vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Re : Identity Theft Report Account Fraud Notification Dear EQUIFAX, I am writing to inform you that I am a victim of identity theft, and I believe that an unauthorized account has been opened in my name. I did not authorize or apply for this account, and I suspect that my personal information has been used fraudulently. 
Account Information : Name on Account : XXXX XXXX Account Number : XXXX Date of Unauthorized Activity : XX/XX/XXXX NAME ON ACCOUNT : XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX  DATE OF UNAUTHORIZED ACTIVITY : XX/XX/XXXX NAME ON ACOUNT : XXXX XXXX  ACOUNT NUMBER : XXXX DATE OF UNAUTORIZED ACTIVITY : XX/XX/XXXX NAME ON ACCOUNT : XXXX XXXX XXXX XXXX DATE OF UNAUTHORIZED ACTIVITY : XX/XX/XXXX I request that you immediately investigate this matter, freeze the account, and take the following actions : 1. Close or freeze the account to prevent further unauthorized activity.

2. Remove any negative information related to this account from my credit report. 
3. POLICE REPORT NUMBER : XXXX In addition, I have filed a report with the Federal Trade Commission ( FTC ) about this identity theft incident, and I am including a copy of the FTC Identity Theft Report for your records. You can verify this report using the information below.

Details for FTC Identity Theft Report : FTC Report Number : FTC Report XXXX Date Report Filed : Date XXXX If you require additional information or documentation to assist in the investigation, please contact me at AT THE ADDRESS ABOVE. 
Thank you for your prompt attention to this matter. I look forward to your timely response and assistance in resolving this issue. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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.

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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 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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. 



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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 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-11-14 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: NH

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. 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 2024-11-14 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: Rent Recovery Solutions
State: NC

Complaint narrative:
I am writing to address a serious matter regarding a fraudulent debt that has been reported to my credit file under your companys name for years. I believe this debt is a result of identity fraud from XXXX  and I am requesting its immediate removal from my credit report.I have not opened any accounts with your company, nor have I authorized any debts to be recorded in my name. Upon discovering this issue, I have taken the necessary steps to report the identity theft to the appropriate authorities and have filed a dispute with the credit bureaus. Under the Fair Credit Reporting Act, I have the right to dispute inaccurate or information on my credit report. I kindly ask that you investigate this matter promptly and remove any references to this fraudulent debt from my records. Please consider this a formal request for action. If I do not receive a satisfactory response, I may have no choice but to seek legal advice and pursue further action to rectify this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. 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 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel pissed since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: NY

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Subject : Request for Assistance in Removing Settled Accounts from Credit Reports To Whom It May Concern, My name is XXXX XXXX, and I am writing to request your assistance in removing several settled accounts from my credit reports with the major credit bureaus. These accounts, which were previously with various creditors, have been fully settled and resolved for over two years. Despite these settlements, they continue to reflect as delinquent or negatively impacting my credit score, causing undue hardship as I strive to move forward financially. 

I have contacted each creditor and the relevant credit bureaus to have these entries removed, as they no longer accurately reflect my current financial standing. Unfortunately, my previous attempts have been unsuccessful. The creditors have either not responded or have refused to update the credit reports to reflect the settled status and remove the negative information. 

The accounts were paid in good faith, with full settlements achieved, yet the outdated and negative information remains. This situation is frustrating and disheartening, as I am being penalized for accounts that no longer hold a balance due or any valid claim against me. I have complied fully with the terms of each settlement, and it is only fair that my credit report reflects my current standing rather than outdated, resolved issues. 

I kindly request the CFPBs assistance in ensuring that these settled accounts are removed from my credit reports across all three major bureaus ( XXXX, Experian, and XXXX ). This action would allow me to rebuild my credit without the burden of settled accounts inaccurately dragging down my score. I urge the CFPB to support my efforts for a fair and accurate credit report, in accordance with the rights afforded to consumers. 

Please let me know if any further information or documentation is required to facilitate this process. I appreciate your attention to this matter and your support in helping me move forward. 

Thank you very much for your assistance. 

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 explanation
Consumer complaint received 2024-11-14 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-11-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: OK

Complaint narrative:
I do not believe the debt reported on my credit is valid

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: GA

Complaint narrative:
Just started business with US Bank on XX/XX/year>. I created a checking accounts, savings account, credit card account, two IRAs, and a brokerage account. I currently have two pre-existing IRAs moving to US Bank via XXXX from XXXX XXXX worth roughly $ XXXX and just attempted to transfer $ XXXX on XX/XX/year> from a XXXX XXXX savings account to the US Bank savings account. During the savings account transfer, the US Bank website requested me to verify my account by sending a push notification to my US Bank mobile app. Upon successful biometric verification in the app, the website then said it encountered an error and logged me out. When I immediately attempted to log back in, I was notified that my account login was disabled. The error message I now receive is " Your login is XXXX. Please call XXXX for help. '' I immediately called customer care and was told that I need to wait XXXX hours before being able to have access to my US Bank account. I was told I will need to call in again on XX/XX/year> as my account will not be automatically re-enabled. I have large transfers inbound and direct deposit setup to be received from my employer but now have no ability to see anything wihthin my accounts as US Bank has chosen to disable my access through some vague process that is archaic and doesn't give customer support agents authority to override.

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 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Account : XXXX Account Name : XXXX XXXX I am in receipt of your letter claiming that I owe your company for a debt. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act,15 USC 1692g stating your claim is disputed and validation is requested.

I have to date received no proof that I owe your company any debt and I am requesting that you forward to me full and proper documentation ( original alleged contract bearing my signature ) as evidence of this alleged debt. If you are unable to provide me with the proper proof then you must stop attempting to collect this alleged debt and remove it immediately from my consumer report. 
If you continue to claim I owe a alleged debt that you can not confirm with proof ( original alleged contract bearing my signature ) then you will be in direct Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 

You have committed the following FDCPA Violations : 806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts You have thirty ( 30 ) days from receipt of this notice to respond, during which time all collection activity must cease and desist. Failure to respond in writing, hand-signed, and in a timely manner, will be considered a waiver to any and all of your claims in this matter, and will entitle me to presume you placed this on my consumer report ( s ) in error and that this matter is permanently closed. Provide the proof, or remove this alleged debt from all sources to which you have reported it.

Please forward your documentation to me upon receipt of this certified letter. Please note that proper documentation is NOT a print out or bill from you but rather actual proof of the alleged debts existence ( original alleged contract bearing my signature ).

Lastly, please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 

If I don't get proper documentation I will be filing my complaint at : XXXX and XXXX And https : XXXX Also this letter shall be used as evidence in pending litigation provided you fail to comply under the FCRA. 

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 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX Balance {$390.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance {$2300.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance {$7600.00} XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I cash my mobile check in XX/XX/year> and still haven't got my funds and Citi bank closed my account for no reason

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 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). 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 am a victim of human trafficking of Debt Bondage and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following account : XXXX Account number : 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 2024-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX ) XXXX Account XXXX

Company response to consumer: Closed with explanation