vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-10 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Inquiries : XXXXXXXX XXXX XXXXXXXX XX/XX/year> : XXXX XXXX XXXXXXXX XX/XX/year> :

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 2024-09-10 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Inquiries : XXXXXXXX XXXX XXXX XX/XX/2023 : XXXXXXXX XXXX XXXXXXXX XX/XX/2023 :

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 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-10 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 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: CA

Complaint narrative:
I do not recognize the credit inquires and I have asked the bureaus to remove these inquires, however the bureaus did not remove the inquires as I asked them. 

Herein, I am providing " Identity Theft Report '' which is attached to this complaint. 

I am requesting these inquiries to be removed since they are inaccurate and unauthorized and not of mine.

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 2024-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Stone Creek Financial, Inc
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX are trying to garnish my wages. They say I owe a debt from XXXX in the amount of XXXX. I know nothing of this debt. This is a collection agency and not the true debtor. They will not give me proof of the true person behind this, I do not even recall owing this kind of debt, and I know it has to be identity theft. They sent a letter with a a lawyer behind it for garnishment of my check in 15 days starting from XX/XX/XXXX. They claim the debt is from XX/XX/XXXX. I do not see this debt on any of my credit bureaus for that amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-10 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-09-10 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: TX

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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
Consumer complaint received 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
I am writing to formally dispute a debt reported by Resurgent Receivables LLC on my credit report, which I was previously unaware of. I believe this entry to be in violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( a ), which mandates proper notification to consumers before reporting a debt to credit agencies. 

To date, I have not received any notification from Resurgent Receivables LLC regarding this alleged debt prior to it appearing on my consumer report. Under the FDCPA, debt collectors are required to provide written notice of the debt within five days of their initial contact, including information on how to dispute the debt. I have not received such notification, which constitutes a failure to comply with this requirement. 

If Resurgent Receivables LLC contends that they have provided proper notification of this debt, I request that they provide proof of such notification, including the certified mail receipt with my signature, to substantiate their claim. 

I am serving this letter as both a formal complaint against Resurgent Receivables LLC for their non-compliance with the FDCPA and as a pre-arbitration notice. Should my consumer rights not be respected and this false account is not removed from my credit report, I will be compelled to initiate arbitration proceedings to address the false and misleading practices in violation of the FDCPA and my consumer rights. 

Please investigate this matter and assist me in resolving this issue promptly. I would appreciate a written response from the CFPB regarding the steps taken to address this dispute. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 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: NJ

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 2024-09-10 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: LA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This account need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX : {$210000.00}

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 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This account need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$210000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-10 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:
On XX/XX/XXXX, I filed an identity theft report with the FTC identifying XXXX  accounts ( XXXX and XXXX ). 

According to the Fair Credit Reporting Act ( FCRA ), these accounts should have been blocked and removed from my consumer reports, but they remain listed. XXXX, XXXX only initiated their own identity theft investigation on XX/XX/XXXX, months after the FTC report and seemingly in response to a recent CFPB complaint. This delay highlights a failure in communication between consumer reporting agencies and furnishers and their lack of adherence to proper procedures. Despite this investigation, XXXX  has not validated the alleged debts or provided the required documentation requested in previous correspondence, violating the Fair Debt Collection Practices Act ( FDCPA ). 

Furthermore, none of the consumer reporting agencies ( XXXX, EXPERIAN, and XXXX ) have deleted this information. Moreover, despite XXXX 's claim that they would cease all communications as of XX/XX/XXXX, XXXX continues to send unauthorized communications to consumer reporting agencies and has not removed the disputed tradeline entries from my reports. 

The consumer reporting agencies have demonstrated a severe failure to follow proper procedures by neglecting to promptly delete the fraudulent entries associated with XXXX accounts from my credit reports. Despite my timely identity theft report filed with the FTC on XX/XX/XXXX, which required the immediate removal of these accounts, the agencies have failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Their negligence in updating their records and removing the disputed entries not only contravenes federal regulations but also continues to cause significant harm to my profile. This oversight reflects a serious lapse in their responsibility to ensure the accuracy and integrity of consumer reports, exacerbating the damage to my financial standing and rights.

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 2024-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: TN

Complaint narrative:
I am writing to formally dispute a debt reported by NCA on my credit report, which I was previously unaware of. I believe this entry to be in violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( a ), which mandates proper notification to consumers before reporting a debt to credit agencies. 

To date, I have not received any notification from NCA regarding this alleged debt prior to it appearing on my consumer report. Under the FDCPA, debt collectors are required to provide written notice of the debt within five days of their initial contact, including information on how to dispute the debt. I have not received such notification, which constitutes a failure to comply with this requirement. 

If NCA contends that they have provided proper notification of this debt, I request that they provide proof of such notification, including the certified mail receipt with my signature, to substantiate their claim. 

I am serving this letter as both a formal complaint against NCA for their non-compliance with the FDCPA and as a pre-arbitration notice. Should my consumer rights not be respected and this false account is not removed from my credit report, I will be compelled to initiate arbitration proceedings to address the false and misleading practices in violation of the FDCPA and my consumer rights. 

Please investigate this matter and assist me in resolving this issue promptly. I would appreciate a written response from the CFPB regarding the steps taken to address this dispute. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am a victim of XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who l am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2024-09-10 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: CITIBANK, N.A.
State: NY

Complaint narrative:
CBNA ACCOUNT # XXXX For over two years, I have been disputing CBNA to have this account removed from my credit report. I formally challenged the accuracy of the information reported by XXXX, XXXX, and XXXXprivate companies that collect and sell datadue to the inaccuracies present. I am frustrated by my repeated attempts to have this information removed, only to be ignored by the company. This situation has negatively impacted my credit, preventing me from applying for loans and lines of credit, resulting in higher interest rates and denial of credit access. 

I AM protected by law and CBNA IS BREAKING THE LAW 15 U.S. Code 1666b 15 U.S. Code 1681e

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 2024-09-10 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: RI

Complaint narrative:
Hello, a few months back I returned a bag I had purchased from XXXX. I returned it as the item was missing a strap and was just too small. A stuffed tortoise was with it that was too small for the gift it was intended for. I confirmed with them the package was received but the items not credited to my card. This was roughly {$300.00} or more. I disputed it with the company and got no resolution. I gave up trying to fight because I didnt think I had other options. Recently, I made a purchase and XXXX of the items was not received. I immediately wrote to them and alerted them. However, within a day they told me that they confirmed with the tracking information. My item was received. It was not in the box. This is another {$50.00} transaction. I am being billed for items. I dont have returned or didnt receive. I am interest on these purchases and I dont feel it is fair. I tried to resolve both issues multiple times without success. 


Please let me know what else I can do. {$350.00} may be a lot to some people, but its a lot to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
This company showing i have a debt that i dont have. My insurance bills was always paid to XXXX XXXX not XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief