vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-02 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: FL

Complaint narrative:
On my credit report there is a hard inquiry from the XXXX XXXX XXXX This inquiry is scheduled to fall off my credit report in XX/XX/year>. It is now XX/XX/year> but the hard inquiry has not fallen off my credit report. Please remove/ delete this hard inquiry from my credit report immediately please.

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 2024-12-02 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: TN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of XXXX  XXXX XXXX  and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Account name : XXXX Account number : XXXX XX/XX/XXXX Account name : XXXX  Account number : XXXX XX/XX/XXXX Account name : XXXX  Account number : XXXX XX/XX/XXXX Account name : XXXX Account number : XXXX XX/XX/XXXX Account name : XXXX  Account number : XXXX XX/XX/XXXX Account name : XXXX  Account number : XXXX XX/XX/XXXX Account name : XXXX  Account number : XXXX XX/XX/XXXX Account name : XXXX  Account number : XXXX XX/XX/XXXX Account name : XXXX Account number : XXXX XX/XX/XXXX Account name : XXXX Account number : XXXX XX/XX/XXXX Account name : XXXX Account number : XXXX XX/XX/XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Postal Service

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 2024-12-02 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: NJ

Complaint narrative:
I regularly check my credit report because my credit score is important to me and I keep seeing inaccurate and false information on it, this has been a recurring issue on my credit report and hasn't been fixed since then no matter how many times I bring it up that it is so stressful and exhausting, it's badly affecting my life and my credit score unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: CA

Complaint narrative:
XXXX  to current please provide the original application thats shows the signature that was used. Please provide a copy of the identification or drivers license that was used. Please provide any information that proves the XXXX XXXX Credit Card that was fraudulently opened in my name actually belongs to me. Ive filed several claims with the bank stating that money was taken from my account without my authorization. Please provide any and all identifying information to prove this account actually belongs to me. XXXX XXXX  helps and supports identity thieves by not properly doing its due diligence when investigating and reporting fraud!

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 2024-12-02 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: CA

Complaint narrative:
XXXX to current please provide the original application thats shows the signature that was used. Please provide a copy of the identification or drivers license that was used. Please provide any information that proves the XXXX XXXXXXXX XXXX XXXX  that was fraudulently opened in my name actually belongs to me. Ive filed several claims with the bank stating that money was taken from my account without my authorization. Please provide any and all identifying information to prove this account actually belongs to me. XXXXXXXX XXXX helps and supports identity thieves by not properly doing its due diligence when investigating and reporting fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: CA

Complaint narrative:
2022 to current please provide the original application thats shows the signature that was used. Please provide a copy of the identification or drivers license that was used. Please provide any information that proves the XXXX XXXX Credit Card that was fraudulently opened in my name actually belongs to me. Ive filed several claims with the bank stating that money was taken from my account without my authorization. Please provide any and all identifying information to prove this account actually belongs to me. XXXX bank helps and supports identity thieves by not properly doing its due diligence when investigating and reporting fraud!

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 2024-12-02 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: CA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code XXXX ) says ( XXXX ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code XXXX ( XXXX ) and 15 U.S. Code XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code XXXX, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all 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 2024-12-02 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: CA

Complaint narrative:
REMOVE XXXX ACCOUNT FROM CREDIT FILE THIS ACCOUNT AND BALANCE DO NOT BELONG TO ME REMOVAL LETTER ATTACHED

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 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank
State: NC

Complaint narrative:
I closed this account on XX/XX/year>, and on that day this company received my payment of {$96.00}. However, after multiple calls and faxes, they continually stated they have no record of my payment. I spent $ XXXX for faxing, trying to get through to the back office, praying someone would help me. Nobody ever helped me, so I resorted to the BBB, hoping this would spark some sort of solution. It did not. The company CONTINUED to deny the payment was received THREE times on the BBB, despite my fulfillment of their requests to prove the payment was made by me. 

They requested my full bank statement from the month the payment was made, I provided that. Then, they request a letter from my bank regarding the payment. I provide that. They continue to say that they have no record of the payment!!!!!! 

Finally, I threaten to go to the CFPB, and on XX/XX/year>, I checked my account via their app and I noticed my account balance was FINALLY updated to {$0.00} after fighting with them for almost a year!!!! However. After a few seconds, the app timed out, and I am no longer able to access my account with them ( which is why only the screenshot I was able to take at the time is being uploaded for proof of that ). 

Although the company updated my balance with them to {$0.00}, my credit report still shows a balance of {$130.00} ( the {$96.00} balance on my credit card that I paid on the day I closed it + a late fee- for the payment I made lol ). 

Please note that I have attached proof of everything Ive stated. 

This company needs to update my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: I.C. System, Inc.
State: NY

Complaint narrative:
I am aware that according to article XXXX, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 USC XXXX ( XXXX ) ( XXXX ). I am not validating any alleged debt with I.C. SYSTEM, INC and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XXXX XX/XX/year> I have not received any documentary evidence such as a trilateral contract giving I.C. SYSTEM, INC any right to collect on this alleged debt. I have never received any documentation requesting validation from I.C. SYSTEM, INC before they committed multiple violations under the FCRA & the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 USC XXXX ( d ) ( XXXX ) which the FTC defines as debt parking. If I.C. SYSTEM, INC can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing this on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this alleged debt pursuant to 15 USC XXXX ( c ) ( c ). I am demanding a cease and desist of all illegal activities, any communication and collection activities of this and any alleged debt until I.C. SYSTEM, INC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and I.C. SYSTEM, INC continues its collection efforts, I will file for litigation for actual damages caused and I.C. SYSTEM, INC will be held criminally liable for aggravated identity theft pursuant to 18 USC XXXX, extortion, theft by deception, securities fraud and mail fraud. Upon receipt of the documents herein this notice, you are hereby notified pursuant UCC XXXX. Your prompt attention and response are both requested and required.

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 2024-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This morning, I was alarmed to see unauthorized inquiries on my credit report. I always check my credit report, but this time there were unexplainable discrepancies. Even after refreshing the browser to rule out a glitch, the issues were still there. I request a detailed review of the documents Ive provided to ensure this problem doesnt happen again.

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 2024-12-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Maximus Federal Services, Inc.
State: NH

Complaint narrative:
I am writing in response to your correspondence regarding my student loan dispute filed via the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/year>, under case number XXXX. Your response, dated [ XX/XX/year> ], acknowledges my requests but fails to address them in full. 

Validation of Debt and Legal Authority As stated in my initial dispute, I am requesting competent evidence of the alleged debts under the Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and Family Educational Rights and Privacy Act ( FERPA ). Specifically, I demanded : A Copy of the Original Promissory Note : While you provided a copy of electronically signed promissory notes, these do not satisfy my request for evidence of the original wet-ink signatures. Your reliance on the E-SIGN Act and related laws does not waive my right to demand verification of the debts authenticity under applicable consumer protection laws. 

Proof of Reporting Authorization : Your response cites the Borrowers Rights and Responsibilities Statement regarding credit reporting. However, I have not provided explicit consent for such disclosures. Reporting my account information without proper validation and consent is a potential FERPA violation. 

Accuracy of Reporting : Your letter asserts that the information reported is accurate. However, it fails to address my request for specific documentation that validates the reported amounts, account statuses, and ownership. I require detailed account-level information for all disputed accounts, including a comprehensive payment history, disbursement records, and transfer documents from XXXX to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc.
State: FL

Complaint narrative:
i keep disputing this saying i never missed a payment ..i have documents to show i never missed a payment please change this on my credit report as never late. or you will give me no other choose but to sue.this late payments is inaccurate and its affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: MI

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code XXXX ) says ( XXXX ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code XXXX ( XXXX ) and 15 U.S. Code XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code XXXX, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all 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 2024-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NV

Complaint narrative:
I am filing this formal complaint regarding an alleged collection account reported on my credit report by Credit Collection Services ( CCS ) and appearing on my credit reports with XXXX, XXXX, and XXXX. I have no knowledge of this alleged debt, and I have not been provided with proper documentation or validation to verify its legitimacy. 

Under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. XXXX ), I have the right to request validation of any debt before any further collection efforts or reporting to the credit bureaus. Debt validation must include clear documentation identifying the original creditor, proof of the debt 's validity, and confirmation that the debt is attributable to me. Credit Collection Services has failed to provide the legally required validation. 

Additionally, under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. XXXX ), XXXX, XXXX, and XXXX are obligated to ensure the accuracy and integrity of the information they report. If the debt can not be validated, the credit bureaus must investigate and promptly remove the unverifiable account from my credit report. Continuing to report unverifiable and unvalidated information is a violation of the FCRA and causes undue harm to my credit profile. 

I have made multiple attempts to resolve this matter, including disputing the account directly with the credit bureaus, but the issue remains unresolved. This lack of compliance with federal regulations by both Credit Collection Services and the credit reporting agencies has caused unnecessary financial and emotional distress, particularly as I am in the process of making important financial decisions that depend on an accurate credit report. 

I am requesting that XXXX, XXXX, and XXXX immediately investigate this matter and remove the Credit Collection Services account from my credit report unless proper validation of the debt can be provided. Failure to comply with the FDCPA and FCRA is unacceptable, and I seek appropriate corrective actions to ensure compliance with federal law. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue promptly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: LA

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: FL

Complaint narrative:
These accounts are the result of identity theft starting with a room mate from back in XXXX of XXXX. Her and I were sharing an apartment so she had access to my personal information. The following three accounts were opened by her without my knowledge or consent : 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 XXXXXX/XX/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 2024-12-02 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: FL

Complaint narrative:
I have had a XXXX point increase on both XXXX XXXX XXXX, due to nearly XXXX XXXXXXXX XXXX  of old debt falling off my credit report. My XXXX  report went up by XXXX points. My XXXX report went up by XXXX points. My equifax report did not go up, It appears that the report from Equifax is not updating monthly, nor in a timely status. 
These companies are doing consumers a great injustice, and harm to their lives by incorrect data and lack of reporting status. I dont know how they can be counted on to report real numbers, and this is not the first, nor second, time.

Company response to consumer: Closed with explanation