vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/year>, XXXX XXXX closed my account [ Account Number ]. Despite the account being closed, they continue to report late payments for XXXX, XXXX, XXXX, XXXX, and XX/XX/year> on my credit reports. This is inaccurate and misleading, as no payments were due after the account closure date. 

Additionally, XXXX XXXX has failed to issue a 1099-C Cancellation of Debt, which is required under IRS regulations if the debt was canceled or written off. The absence of a 1099-C raises questions about the legitimacy of the charge-off status and whether XXXX XXXX has properly handled this account. 

Under the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), XXXX  XXXX and the credit bureaus are required to ensure the maximum accuracy of the information they report. Reporting late payments for months after the account was closed violates this requirement and damages my creditworthiness. 

I have previously disputed this matter with the credit bureaus and XXXX XXXX, but the issue remains unresolved. XXXX XXXX has failed to correct its reporting, validate the debt, or provide evidence that payments were due after the account closure date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: PA

Complaint narrative:
On XX/XX/year>, XXXX XXXX closed my account [ Account Number ]. Despite the account being closed, they continue to report late payments for XXXX, XXXX, XXXX, XXXX, and XX/XX/year> on my credit reports. This is inaccurate and misleading, as no payments were due after the account closure date. 

Additionally, XXXX XXXX has failed to issue a 1099-C Cancellation of Debt, which is required under IRS regulations if the debt was canceled or written off. The absence of a 1099-C raises questions about the legitimacy of the charge-off status and whether XXXX XXXX has properly handled this account. 

Under the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), XXXX  XXXX and the credit bureaus are required to ensure the maximum accuracy of the information they report. Reporting late payments for months after the account was closed violates this requirement and damages my creditworthiness. 

I have previously disputed this matter with the credit bureaus and XXXX XXXX, but the issue remains unresolved. XXXX XXXX has failed to correct its reporting, validate the debt, or provide evidence that payments were due after the account closure 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 explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: CA

Complaint narrative:
Discover Card Services XXXX XXXX XXXX XXXX XXXX, IL XXXX Subject : Response to Notice of Potential Account Closure Account # XXXX Dear Discover Card Services, I am writing in response to an email I received notifying me that my account may be closed. I would like to address this matter and provide additional information regarding the payment made to my account. 

On XX/XX/year>, I submitted payment to you using a negotiable instrument, tracked under USPS Tracking Number XXXX XXXX XXXX XXXX XXXX XXXX, and mailed to your address at XXXX XXXX XXXX, XXXX XXXX, IL XXXX. This payment represents lawful tender under applicable Uniform Commercial Code ( UCC ) provisions. 
I demand the immediate return of my negotiable instrument to my care, per UCC 3-501 ( b ) ( 3 ), which states that if a party refuses to accept or dishonors a negotiable instrument, the instrument must be returned to the issuer promptly. Failure to return the instrument constitutes acceptance of the payment.

Additionally, under UCC 3-603, a tender of payment discharges the obligation if made appropriately and in good faith, even if it is refused. According to UCC 3-604, tender of payment satisfies and discharges the debt unless the tender is returned. By failing to return the payment instrument, Discover Card has implicitly accepted it, and the payment must reflect on my account. 

Furthermore, under 3

1 U.S.C. 5118 ( b ), it is unlawful to demand payment in any specific form of currency, including U.S. Dollars, outside the framework of legal tender. Payments must be considered valid when tendered as negotiable instruments, which fulfill the conditions of UCC 3-104 and the Constitutions provisions for legal tender under Article I, Section 10.

If my payment has been accepted, you must update my account to reflect the cleared balance immediately. If the negotiable instrument is not returned within 10 business days, I will assume that Discover Card has accepted the payment in satisfaction of the debt and request that you update my account accordingly. 

Please confirm in writing that my payment has been properly credited or provide a detailed explanation of any outstanding issues within 15 days of receiving this letter. Failure to do so will compel me to explore all available remedies under the law. 

Thank you for your prompt attention to this matter. 

Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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:
The following personal information is reporting incorrectly on my credit report : Name : The correct spelling of my name isXXXX XXXX Current Address : My correct current address is : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Texas XXXX Previous Address : The following previous addresses are wrong : EMPLOYER - XXXX XXXX XXXXXXXX - The following personal information is incorrect- The personal data reporting is inaccurate. 

EMPLOYER - XXXXXXXX XXXX XXXX - The following personal information is incorrect- The personal data reporting is inaccurate.

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 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My credit information was apart of several data leaks that exposed my information. My information has shown up on the dark web as well as many other places including addresses, email info and password information. I received scammer calls daily now because of the data info leaking. Experian acknowledged that the security failure persisted for nearly seven weeks, between XXXX XXXX, XXXX and XXXX XXXX, XXXX. I believed to also be involved in the Experian XXXX XXXX XXXX data leak as well. I also believe that my data was leaked in the Experian XXXX data leak.

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 2025-01-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: T.S. Holdings
State: TX

Complaint narrative:
This case no. XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX has been resolved in MEDIATION XX/XX/year> XXXX I never owed them anything it took me 1 extra day to move out an they wanted to charge a months rent since I wasnt out on move out date which was XX/XX/XXXX I was moved out the next day XX/XX/XXXX. The Manager who is very nasty an is a XXXX once after they lost in Mediation they WERE Mad an started making these furnishings bad reports on my credit FOR THE PAST 4 YEARS which had me homeless I am writing to dispute certain information contained in the credit report of XXXX XXXX, as maintained by your credit reporting agency. Pursuant to Section 609 of the Fair Credit Reporting Act ( FCRA ), I am formally requesting an investigation into the accuracy and completeness of the information on XXXX XXXX 's credit report. 


I have reviewed XXXX XXXX 's credit report and have identified discrepancies and inaccuracies in the information provided. The inaccurate information is damaging XXXX XXXX 's creditworthiness and may have a negative impact on his ability to access credit and financial services.

I am requesting that the credit reporting agency conduct a thorough investigation into the disputed information and take the necessary steps to correct any inaccuracies or errors in XXXX XXXX 's credit report. I also request that the corrected information be provided to any entities that have recently received XXXX XXXX 's credit report for evaluation. 

Please provide me with a written notification of the results of the investigation and any actions taken to correct the inaccuracies in XXXX XXXX 's credit report. Additionally, I request that a corrected copy of XXXX XXXX 's credit report be sent to the following address : XXXX I appreciate your prompt attention to this matter and your compliance with the requirements of the Fair Credit Reporting Act. Please feel free to contact me at ( XXXX ) or XXXX if further information or documentation is needed. 

Thank you for your cooperation in resolving this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: CA

Complaint narrative:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

15 U.S. Code 1666b - Timing of payments ( 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 1637 ( b ) Statement required with each billing cycle is mailed or delivered to the consumer not later than 21 days before the payment due date. 

The items below should all be updated to paid as agreed on my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: CA

Complaint narrative:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

15 U.S. Code 1666b - Timing of payments ( 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 1637 ( b ) Statement required with each billing cycle is mailed or delivered to the consumer not later than 21 days before the payment due date.

The items below should all be updated to paid as agreed on my consumer report.

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 2025-01-06 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: MN

Complaint narrative:
I pulled my credit reports and found lots of addresses and my personal address with errors in it. I have attached my information so you can update my address to be accurate. Please update my personal information to one accurate address, one accurate name and such. Please mail me an update of my information updated when it's done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I am sending to address the adverse marks on my credit file that have been attributed to me. While I would willingly acknowledge and assume responsibility for any valid debts, I am unable to do so in this case without Proper Validation and Proof Of Claim. As per the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting comprehensive validation of the alleged debt. 

I seek evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : Complete payment history, as per the precedent set by XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX. Provide a detailed verification by line item, including information on the purchase date, itemized amounts, receipt of goods, and any relevant details directly from the Original Creditor. 
Date of Last Activity. 
Full, accurate social security number that may help to identify me as the correct person you are trying to collect from. 
Agreement that bears the signature of the alleged debtor, indicating the commitment to pay the original creditor. 
The obligation between your company XXXX XXXX and me that authorizes the collection of the alleged debt, along with any transactions binding me to an agreement to pay your company. 

Proof of photo identification ( i.e., driver 's license, state identification card, or other government issued identification card ) presented at the time of incurring the debt. 
Letter of sale or assignment from the original creditor to your company, including any agreement with your client granting the authority to collect on this alleged debt. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX ( XXXX XXXX  XXXX, XXXX ) - information relating to the purchase of a bad debt is not proprietary or burdensome. 
Any other pertinent information regarding the creation of the debt by your collection agency like ( 1. Where the debt originated from, 2. ) The sum paid by the bad debt buyer for the plaintiff 's debt, 3. ) How the total amount was determined, and 4 ) A list of documents that authorize the collection of debts. )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and are inaccurate orincomplete. I am requesting that the item be investigatedto correct the information THE XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX 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 2025-01-06 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: CA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : collection/Charged Off XXXX XXXX XX/XX/XXXX {$180.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$6300.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$4000.00} Inquiries XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/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 explanation
Consumer complaint received 2025-01-06 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: EQUIFAX, INC.
State: IL

Complaint narrative:
avid acceptance is reporting {$18000.00}, XXXX  XXXX {$430.00}, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX are fraudulently reporting on my consumer reports which is a violation of 15 usc 1681 and 15 usc 1666 I have been a victim of several data breaches including SSA, and Equifax data breach this is having an adverse effect on my life as I am in the process of securing my financial future and becoming a homeowner this identity theft issue needs to be resolved immediately I have filed an Identity theft report please remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$20000.00}, XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$590.00}, XXXX. XXXX, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$480.00}, XXXX XXXX XXXX Account XXXX XXXX date opened XX/XX/XXXX bal. {$430.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 non-monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX KikOff Inc . 
XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear KikOff, Im writing because I need some clarification on a few details about an account youve reported on my credit. Specifically, Im asking for the following : 1. Date of First Delinquency ( DOFD ) 2. Date of Last Payment 3. Date of Charge-Off ( if that applies ) Just to be clear, this isnt a request for validation or verification of the accountIm just asking some questions to keep my records straight. 

If you need anything from me to look this up, let me know. Thanks for taking care of this! 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: FL

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

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