vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-06 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: TX

Complaint narrative:
In XX/XX/XXXX, I submitted a XXXX vacate notice and requested the option to give a XXXX unit transfer notice if I could move to the opposite side of the community. I had safety and hygiene concerns for my building so I wanted to either relocate entirely or to another building. I submitted that email to complex management and it went unanswered. I then found the contact information to their corporate offices and urged a response there, in fear that there would be a fraudulent financial penalty if they didn't acknowledge my notice. XXXX XXXX purchased the alleged debt that XXXX XXXX tried to claim I owed them and began to harass me for payment in the summer of XXXX. I did not reside nor occupy that unit during the dates they are asking for me to pay. I signed the lease for my current home in XXXX and was fully out of my previous apartment by XX/XX/XXXX. This debt is not accurate, I was not occupying the residence when they claim and more importantly I gave my notices within a timely manner. I DEMAND they remove this collection from all three reporting credit bureaus and cease their demands for payment. Moreover, I REQUEST THAT THE CREDIT BUREAUS CONDUCT A FULL INVESTIGATION INTO THIS ILLEGAL DEROGATORY MARK ON MY CREDIT FILE. This is a sloppy and fraudulent debt they are attempting to collect for pennies on the dollar. MOST IMPORTANTLY, I requested a debt validation package in XXXX of XXXX and have not received it as of XX/XX/XXXX, which is ILLEGAL. Because this debt was not validated, it must be removed per the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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: LA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-11-06 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2024-11-06 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: Experian Information Solutions Inc.
State: IL

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 computer science, 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 2 out of 3 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 explanation
Consumer complaint received 2024-11-06 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: PA

Complaint narrative:
My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history 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 to be updated.

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. 


EQUIFAX 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! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 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: MD

Complaint narrative:
I keep seeing these inaccurate and unverifiable items on my credit report, which is really frustrating, especially since I have contacted you multiple times about this.

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 2024-11-06 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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: EQUIFAX, INC.
State: NY

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX  XXXX MO XXXX XXXX Subject : Follow-Up on Disputed Debts Due to Identity Theft Request for Validation ( Account number XXXX ) To Whom It May Concern, I am writing to follow up on my previous disputes regarding the account referenced above. As I have previously informed you, this account were opened as a result of identity theft. I have reported the incident to the appropriate authorities, including, Federal Trade Commission, XXXX, XXXX and XXXX. I have also taken the necessary steps to secure my identity. 
I ask that you cease all collection activities related to this alleged debt. Furthermore, I request that you refrain from reporting these debts to any credit bureaus until this matter is fully validated. 
Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide verification of these debts, including but not limited to the following : 1. The amount of the debt and a breakdown of any charges or fees applied to the balance.

2. The name of the original creditor.

3. Proof that I am legally obligated to pay this debt, including any documents or agreements signed by me.

4. Verification that this debt is not the result of identity theft, including supporting documentation or proof of how this account was opened and who authorized the charges.

5. A statement confirming that the account has been flagged as fraudulent in your records, and that collection efforts will cease until the matter is fully resolved.

Please be aware that until I receive proper validation of these debts, I consider it disputed. I request that you cease all collection activities, including reporting this debt to the credit bureaus, until you can provide the requested documentation to prove the legitimacy of the said debts. If you are unable to provide the necessary verification, I expect the this account be deleted from my credit file.

I expect a response within 30 days, as required by law. If you fail to provide the requested documentation, I will take appropriate steps to protect my rights, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the XXXX XXXX XXXX XXXX XXXX XXXX and my states Attorney General. I will also consider taking legal action to ensure that my rights under the Fair Debt Collection Practices Act are upheld. 
Please respond in writing to the address above. 
Thank you for your prompt attention to this matter. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2024-11-06 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: FL

Complaint narrative:
RE : Trafficking Block Request I am a XXXX of XXXX and the information listed below on my credit report is a result of that trafficking : Account Name : XXXX XXXXXXXX Account Number : XXXX Balance : {$0.00} Account Name : XXXX Account Number : XXXX Balance : {$6200.00} Account Name : XXXX XXXXXXXX Account Number : XXXX Balance : {$2900.00} Account Name : XXXX  Account Number : XXXX Balance : {$11000.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$0.00} Account Name : XXXX Account Number : XXXX Balance : {$5900.00} Account Name : XXXX Account Number : XXXX Balance : {$15000.00} In accordance with section 605C of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within four business days. Please notify me of the actions taken in response to this request.

Thank you for your prompt attention to this urgent 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 2024-11-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I saw a hard inquiry for capital one was made on XX/XX/XXXX and that was fraud and not me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 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: NJ

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under 
the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2024-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: MO

Complaint narrative:
XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX MO XXXX XX/XX/year> Dear XXXX XXXX, / Transworld Systems I am writing to dispute an account that has been opened under my name and is listed as a XXXX XXXX account. The account number associated with this dispute is XXXX ]. 
I would like to inform you that this account is not mine, and I did not authorize any activity associated with it. It was opened fraudulently without my consent, and I believe it is the result of identity theft. 
To support my claim, I have enclosed the following documents : A copy of my FTC Identity Theft Report, filed with the Federal Trade Commission. 
Given the fraudulent nature of this account, I am requesting that XXXX XXXX : XXXX. Investigate the account and confirm that it was opened without my consent.

2. Close and delete the account from your system.

3. Notify the credit reporting agencies ( XXXX, XXXX, and XXXX ) to ensure that this fraudulent account is removed from my credit report. 
Please confirm in writing that the account has been closed and deleted and provide me with any steps I need to take on my end to further resolve this issue. If you require additional information or documentation, please feel free to contact me at XXXX or the mailing address above. 
I trust that XXXX XXXX will promptly address this matter. Thank you for your immediate attention to this issue. 

Thank you XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
This company LVNV funding LLC has shown on my credit report for some time now and I'm not sure who or what this debt is from. However, several times I have disputed the debt and requested an original contract validation and to no avail. It would usually end in a validation of debt but never offer what was actually requested which was a copy of the original debt contract that I signed for this debt. Please provide me with a copy of the original signed debt contract or remove it from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: MA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Prepaidgiftbalance.com regarding issues with a prepaid gift card that has been rendered unusable. Despite multiple attempts to resolve this directly with the company, they have failed to provide a solution. Below are the details of my experience : Gift Card Unusable : The prepaid gift card I purchased can not be used either in-store or online. Attempts to register or activate the card on their website have also been unsuccessful. 

Customer Service Issues : I contacted Prepaidgiftbalance.com 's customer service to resolve these issues. However, they requested information on the state in which the card was purchased, which was unexpected and not helpful in resolving the matter.

Lack of Resolution : Despite my efforts, the company has not offered any assistance or taken responsibility for the malfunctioning card. Their failure to resolve the issue or provide any alternative solutions has been highly frustrating, and I believe this may indicate fraudulent practices.

This situation has led to financial loss, as I am unable to access the funds on the card. I request that the CFPB investigate Prepaidgiftbalance.com for potential fraud and consumer rights violations to prevent further harm to others facing similar issues. 

Thank you for your attention to this matter. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2024-11-06 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: TX

Complaint narrative:
These inquiries were not authorized by me, and I did not communicate with this under the specified date

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 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
on or around XXXX i mailed in certified letters to all XXXX credit bureaus to process dispute investigations for some inaccuracy on my credit reports which included my drivers license and utility verification documents. 
***These letters and documents that were previously sent will be attached which requested dispute investigations verification and method of verifications and Instead they mailed me stall letters back stating that they will not process my dispute requests or investigations and and it dont seem to be me. It seems I am working with a credit repair company. It has now been XXXX  days not 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 non-monetary relief