vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-01 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: NM

Complaint narrative:
I am writing to formally dispute several unauthorized hard inquiries appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ), credit inquiries XXXX only be made with my explicit consent or when otherwise permitted by law. I have reviewed my credit report and found the following inquiries that I did not authorize. picture have been unloaded Under Section 604 of the FCRA ( 15 U.S.C. 1681b ), a consumer reporting agency XXXX only provide a credit report for permissible purposes, such as a legitimate credit transaction that the consumer initiated. These inquiries were not authorized by me, and I am requesting their immediate removal as they violate this provision. 

XXXX. Section 607 ( b ) : Maximum Possible Accuracy Credit bureaus must follow reasonable procedures to ensure the maximum possible accuracy of the information included in a consumer report. This applies to all types of data, including inquiries.

2. Section 611 : Dispute Process Consumers have the right to dispute any inaccurate or incomplete information in their credit report, including unauthorized or incorrect credit inquiries. Credit bureaus must investigate disputes within 30 days and delete or correct any unverifiable or inaccurate information.

3. Section 604 : Permissible Purpose Inquiries must have a legitimate purpose and be authorized by the consumer or permissible under the law ( e.g., for a credit application, insurance underwriting, or employment ). If inquiries appear on your credit report without authorization, they violate this section. 
XXXX. Section 609 : Disclosure to Consumers Credit bureaus must provide consumers with a list of all entities that accessed their credit file, including inquiries. Consumers can request details on why their credit report was accessed and by whom.

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 2024-12-01 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: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXX XXXX XXXX XXXXXXXX account 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 2024-12-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
MIDLAND CREDIT XXXX XXXX, MI XXXX XXXX Subject : Request for Verification of Debt Dear MIDLAND CREDIT XXXX I am writing to formally dispute the validity of the debt referenced in your collection notice reported on XXXX XXXX which states that I owe {$5200.00} for Account number XXXX account number or creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide me with verification of this debt. 

To assist in the verification process, please provide the following information : XXXX. The amount of the debt : A detailed breakdown of the total amount owed, including any fees or interest. 
XXXX. XXXX XXXX : The name of the original creditor and any account numbers associated with the debt. 
XXXX. Proof of Ownership : Documentation that shows you have the right to collect this debt on behalf of the original creditor. 
XXXX. Payment History : Any records that indicate payments made toward this debt, if applicable. 

Please send this information to me at the address which you should have. Until I receive the requested verification, I ask that you cease all collection activities related to this account, as required by law. 

If you are unable to provide the requested verification within 30 days, I expect that you will remove this collection from my credit report and cease all further attempts to collect the alleged debt. 

I request that you provide me with validation of this debt, including proof of ownership and the original agreement. Until this is provided, I ask that you cease all collection activities related to this account. '' Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX to 18 USC 8, I do not owe this debt. Additionally, this company is violating my consumer rights to privacy under 15 USC 1681b ( 2 ) and does not have permission to report any information using my personal data in accordance with 15 USC 1681a.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Ally financial denied my company access to their auction platform. I questioned the decision why they denied credit? 
They sent a letter stating the following. 

Due to adverse public information

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: NM

Complaint narrative:
I am writing to formally dispute the accuracy of an account reported by XXXX XXXX on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate, complete, and verifiable credit reporting. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to be free from misleading or unauthorized debt collection practices. Below are the issues I have identified : XXXX. Inconsistent Reporting Across Bureaus : The Account Type - Detail is listed differently across bureaus, with XXXX stating Unknown - credit extension, review, or collection, and Equifax reporting Collection. This inconsistency violates 15 U.S.C. 1681e ( b ). 
XXXX. Improper Dispute Status : The comments from XXXX and Equifax state that the account is disputed. If this dispute has been resolved or if the reporting is incorrect, this information must be updated or removed. 
XXXX. Potential Obsolete Reporting : The Date Last Active is listed as XX/XX/year>. If no activity has occurred since then, the account XXXX exceed the seven-year reporting limit, per 15 U.S.C. 1681c ( a ) ( 4 ).

4. Lack of Verification and Payment History : The report does not provide any detailed payment history or verification of how the account reached Collection/Chargeoff status. 
XXXX. Unauthorized Transfer of XXXX : I did not authorize payments to XXXX XXXX or agree to the transfer of this debt. Reporting this without my consent XXXX violate the FDCPA ( 15 U.S.C. 1692e ).

Violations of the Fair Credit Reporting Act ( FCRA ) and FDCPA : 1. 15 U.S.C. 1681e ( b ) : Failure to Ensure Maximum Possible Accuracy : Credit reporting agencies must ensure that the information they report is accurate and consistent. The discrepancies in account descriptions and comments violate this standard. 
2. 15 U.S.C. 1681c ( a ) ( 4 ) : Reporting of Obsolete Information : Negative information, such as collections, must not be reported more than seven years from the date of first delinquency.

3. 15 U.S.C. 1681i ( a ) : Failure to Investigate Disputed Information : If you disputed the account and it remains unresolved or improperly updated, the credit bureaus may have failed to investigate properly.

4. 15 U.S.C. 1681s-2 ( a ) : Furnishing Inaccurate Information : The creditor or collection agency may have provided inaccurate or unverifiable information.

5. FDCPA ( 15 U.S.C. 1692e ) : False or Misleading Representations : Reporting this debt without proper verification or authorization from you to collect or transfer the debt XXXX violate the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: CA

Complaint narrative:
I am submitting this complaint to dispute XXXX fraudulent accounts that have been incorrectly reported on my credit file. I am a victim of identity theft, which has been documented in an FTC Identity Theft Report. I have never authorized their creation or reporting. Despite multiple disputes, the accounts remain on my credit reports. 

The disputed accounts are : BANK XXXX XXXX XXXX BANK XXXX XXXX XXXX These accounts contain inaccuracies and inconsistencies across all three major credit reporting agencies. Specifically, the " date of last activity '' and payment history appear to have been manipulated to extend the reporting period,

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 2024-12-01 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: CA

Complaint narrative:
I am submitting this complaint to dispute XXXX fraudulent accounts that have been incorrectly reported on my credit file. I am a victim of identity theft, which has been documented in an FTC Identity Theft Report. I have never authorized their creation or reporting. Despite multiple disputes, the accounts remain on my credit reports. 

The disputed accounts are : BANK XXXX XXXX XXXX BANK XXXX XXXX XXXX These accounts contain inaccuracies and inconsistencies across all three major credit reporting agencies. Specifically, the " date of last activity '' and payment history appear to have been manipulated to extend the reporting period,

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 2024-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Consumer Disputed a specific account on his Equifax Report XXXX '. However, Equifax opened an investigation involving XXXX Valid accounts on his Equifax report which consist of XXXX valid XXXX XXXX accounts. This accident changed remarks for which led to the decrease in The Consumer 's Equifax score!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
This vehicle was sold in XXXX of 2020, the dealership never sent write off Check to Ally until XXXX which resulted in a missed payment on my credit report even though I did not have vehicle anymore associated with this loan. This account is incorrectly reporting that I have XXXX late payments. On my XXXX report there are XXXX late payments being reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PNC Bank N.A.
State: VA

Complaint narrative:
At PNC Bank, I XXXX a Safe Depot Box at their branch at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX. The first attempt to pay was lost in the mail and they sent a second notice in XXXX. Because it was lost in the mail, I went to the branch on XXXX XX/XX/year> and paid in person with a check. The check was cashed and cleared my bank on XXXX XXXX. PNC Bank sent a notice on XXXX XXXX that they did not receive the money and charged a late fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-01 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence XXXX. v XXXX ( mo ) XXXX XXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX cc XXXX Bal. {$2100.00}, XXXX Bank XXXX XXXX {$1400.00}, XXXX XXXX XXXX. {$4100.00}, XXXX XXXX VIa Dealer XX/XX/year>, XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year>, XXXX XXXX Bank XXXX XX/XX/year>.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXX XXXX XXXX XXXX account XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: PA

Complaint narrative:
Equifax has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ). My credit report has not been updated since XX/XX/year>, despite regular updates from creditors and the other major bureaus, XXXX and XXXX. This prolonged inaction is unacceptable, especially given that I have provided all necessary documentation and have attempted to access my account multiple times to resolve these inaccuracies. 

Equifax 's failure to update my credit report has caused severe harm to my financial standing and reputation. Despite having credit scores above XXXX with XXXX and XXXX, the outdated and inaccurate report from Equifax is creating significant barriers for me. This negligence blatantly disregards the FCRAs mandate to ensure that consumer credit reports are accurate and updated in a timely manner. 

Furthermore, I have faced repeated denial of access to my Equifax account, despite correctly answering verification questions. This obstruction has prevented me from monitoring my credit report, disputing inaccuracies, or ensuring compliance with federal law. XXXX conduct represents a systematic failure to uphold its responsibilities to consumers. 

Desired Resolution : Immediate Update of My Credit Report : Reflecting all changes, including the removal of collections as previously requested by creditors. 
Restoration of Account Access : Allowing me full and unrestricted access to my Equifax account. 
Compliance Certification : A written statement confirming XXXX adherence to FCRA requirements, including timely updates to credit reports and transparency in dispute resolution. 
Legal Notice : If Equifax fails to resolve these issues within the XXXX XXXX period, I will escalate this matter by filing an Affidavit of Truth and initiating litigation for damages caused by their gross negligence. I will also seek penalties for XXXX failure to ensure timely updates and account access, which violates federal law. 

Equifax must understand that its continued disregard for consumer rights carries serious consequences. I am prepared to hold Equifax fully accountable for the harm inflicted on me, including reputational damage, financial losses, and emotional distress. Punitive damages will also be pursued to deter such conduct in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : DEMAND for IMMEDIATE DELETION of unlawfully reporting of inaccurate, incomplete, and unverifiable information in dire infraction of federal laws. 
To whom it XXXX concern CAPABLE of making appropriate changes, Please DELETE the illegally reported items below : XXXX XXXX XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Payment : {$0.00}, Issue : Unverified through FCRA and XXXX STANDARD. 
XXXX XXXX XXXX XXXX  XXXX, Date : XX/XX/XXXX, Account # : -, Issue : Unverified through FCRA and XXXX STANDARD. 
XXXX XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Payment : {$0.00}, Issue : UNVALIDATED THROGH FRCA AND XXXX XXXX COMPLIANCE XXXX XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Date : {$0.00}, Issue : Unverified through FCRA and XXXX STANDARD. 


XXXX. XXXX in case of disputed accuracy ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
( B ) Requirements relating to reinsertion of previously deleted material About XXXX XXXXs initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher based on the CRA and subscriber code affiliations indicated by the XXXX. The XXXX is returned to the initiating CRA with updated information ( if any ) relating to the consumers credit history. If an account is modified or deleted, XXXX Copies are sent to each CRA with whom the XXXX has a reporting relationship. 

XXXX XXXX TransUnion Credit Bureaus Must Delete Without Proof. 


XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: NH

Complaint narrative:
XXXX citibank has flagged me as fraud and is preventing me from opening any new line of credit anywhere. they are flagging me as XXXX and preventing me from opening any new line of credit anywhere. i will sue their XXXX XXXX XXXX if they keep XXXX with me.

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 2024-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC.
State: IL

Complaint narrative:
My account was frozen. I have XXXX in my checking and in my savings I have XXXX. I has been frozen becuase of a bounced check. I got scammed. Its been over a month cant deposit money, take out money, anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: NH

Complaint narrative:
I reviewed my consumer report and noticed that i havenumerous late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of [ XX/XX/year> ] [ XX/XX/year> ]. Please investigate and provide proof with statements showing that these payment were late. If proof can't be provided I demand this payment be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot 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 non-monetary relief
Consumer complaint received 2024-12-01 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: NH

Complaint narrative:
I reviewed my consumer report and noticed that i havea late payment on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of [ XX/XX/22 ]. Please investigate and provide proof with statements showing that this payment was late. If proof can't be provided I demand this payment be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :

Company response to consumer: Closed with non-monetary relief