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

Complaint narrative:
in accordance with the fair credit reporting act. the list of accounts below violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681 i told experian, XXXX, and XXXX to reinvestigate these accounts Account Name : ( XXXXXXXX XXXX ) Account Number : XXXX report inaccurate Account Name : ( XXXX XXXX  XXXX ) Account Number : XXXX Account Name : ( XXXX ) Account Number : XXXX However, they stated everything was completed and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to the 15 USC 1681i ( 5 ), they are supposed to modify accounts that arent reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information 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 explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Was never informed about this collection account. I never received any information about this debt. I am supposed to receive legal disclosures/notices regarding any debt a collector puts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 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: EQUIFAX, INC.
State: IN

Complaint narrative:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or amend the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-02 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: EQUIFAX, INC.
State: IA

Complaint narrative:
Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 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: Experian Information Solutions Inc.
State: IA

Complaint narrative:
Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 explanation
Consumer complaint received 2024-02-02 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: DreamSpring
State: NV

Complaint narrative:
I the consumer sent an Opt out letter to the company to stop reporting.

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

Complaint narrative:
I am writing this formal complaint against Experian, one of the major credit reporting agencies, for multiple inaccuracies in my credit report, which I believe are in direct violation of the Fair Credit Reporting Act ( FCRA ) and the Consumer Credit Protection Act ( CCPA ). 

Inaccurate Address Information ( ID # XXXX ) : The address information associated with ID # XXXX on my credit report is inaccurate and missing crucial details. The report fails to reflect the correct unit information and incorrectly categorizes the property as non-multifamily. Moreover, there should only be one listing for this address, and the current representation is misleading and inconsistent with the actual nature of the property. 
Incorrect XXXX  XXXX Credit Card Status and Payment History : Experian is reporting my XXXX  XXXX credit card as " charged off '' and " past due '' with a consistent monthly amount of {XXXX According to the FCRA, a charge-off should be reported only once at the time of charge-off. However, Experian is repeatedly updating this status on a monthly basis, which is not only inaccurate but also violates the guidelines set forth by the FCRA. 
Furthermore, the reporting of a XXXX  payment each month after the charge-off, along with the continuous display of the same current balance, is not only misleading but also a blatant violation of my privacy rights. All payment history is private information, and I did not authorize Experian to disclose this sensitive information to third parties. 
I believe these actions by Experian are illegal and willfully violating FCRA ( 15 USC 1681 ) and CCPA ( Title VI of 5 USC 1016.1 and 5 USC 552a ). I request that the Consumer Financial Protection Bureau conduct a thorough investigation into these matters and take appropriate penalty action and to rectify the inaccuracies on my credit report. 

I have attached supporting documentation, including proof of the inaccuracies and relevant legal provisions. I appreciate your prompt attention to this matter and look forward to a resolution that ensures the accuracy and integrity of my credit report. 

Thank you for your time and consideration.

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 2024-02-02 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: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
The Law states in 15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE. Nor are they supposed to exchange transaction history with non-affiliates. They have no affiliation with any credit reporting agency or smaller-scale reporting agency such as XXXX XXXX XXXX I have recently obtained a copy of the XXXX XXXX XXXX XXXX ; this company has every transaction relating to me and Navy Federal from the time I joined this credit union. Which is a clear violation of their terms and conditions and my Privacy more importantly. It's no one 's business if I a private American and federally protected consumer is having a hardship or not according to the Privacy act of XXXX removed this information immediately

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 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: T.S. Holdings
State: TX

Complaint narrative:
Last year there was an account added to my credit report from IQ Data International. I have never done business what this company and dont have any debt with them. I called them directly multiple times in XX/XX/2023 at XXXX XXXX to inquire about the account they put on my credit. They refused to send me any information regarding the so called balance I owe. They could not give me a ledger, invoice or anything showing I owe them a balance. The representative was very rude and told me I would have to pay anyway even if they didnt send me proof. I then disputed the claim with XXXX. They did absolutely nothing. I called XXXX in XX/XX/2023 directly and the representative told me anyone can put a debt in your name and there nothing they can do about it. There is no justice!! I have multiple account I tried to get help with but XXXX does nothing to investigate or atleast send documentation supporting items remaining after a dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 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:
Unauthorized entries were not promptly blocked and deleted from my consumer report after being named in an ID Theft Report. XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to dispute and demand the immediate removal of inaccurate information from my credit report. Despite my efforts, the banks have been unable to provide supporting records. In a recent conversation, they verbally committed to rectifying the inaccuracies and removing the accounts from my credit file. 
Account Details in Dispute : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-02 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I recently contacted XXXX XXXX, to replace the floors in my Home. I was approved for a Loan with Wells Fargo and was told my monthly payments would be {$360.00}. The agreement was to pay on the XXXX of each Month. I signed everything and have not missed a single payment. I recently noticed a {$40.00} late fee for making a payment on the XXXX instead of the XXXX. I was honest and mentioned to the Wells Fargo Representative that I'm currently undergoing XXXX XXXX  and I requested to change my due date. Wells Fargo declined to change the due date until I pay them the {$40.00} late fee. I told them that I was not able to do so. Wells Fargo started calling to collect the " Past Due '' amount. I told Wells Fargo at that time that I had already made a payment. The Representative told me that she was calling to collect the payment for the following Month. I asked if it was ethical to collect a payment that was not due yet. She pressed on to collect the payment which was not due yet. I politely asked Wells Fargo to cease and desist any form of communication with me. Wells Fargo has since violated my request and they continue to call to collect a bill I have already paid. Prime example ; I was due on XX/XX/XXXX. I paid {$370.00} on XX/XX/year>. On XX/XX/XXXX, Wells Fargo contacted me to collect a Payment I have already paid.Why? I think Wells Fargo is disregarding my request and is engaging in intimidating and harassing me on purpose. I signed a contract to payoff the loan in 4 years. I'm 6 months into my 48 months. I need the bullying to stop once and for all.

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 monetary relief
Consumer complaint received 2024-02-02 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: DC

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 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 XXXX 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 2024-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
accounts are not mine. no knowledge of it, no legal obligation 4 it and no information as 2 its origin. There is no police report or fraud affidavit possible. please check not untimely incmplete inaccurate. check attached for the completed details of the disputed 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 2024-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
accounts are not mine. no knowledge of it, no legal obligation 4 it and no information as 2 its origin. There is no police report or fraud affidavit possible. please check not untimely incmplete inaccurate. check attached for the completed details of the disputed accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
accounts are not mine. no knowledge of it, no legal obligation 4 it and no information as 2 its origin. There is no police report or fraud affidavit possible. please check not untimely incmplete inaccurate. check attached for the completed details of the disputed 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 2024-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CA

Complaint narrative:
Our company contracted with Merchant Services " XXXX '' for credit card processing in XX/XX/XXXX. Then in XXXX of XXXX, we were informed our account was now with Global Payments. However, XXXX continued to send invoices up until XX/XX/XXXX, resulting in duplicate merchant charges from XXXX to XX/XX/XXXX by the two companies. ( We now know that XXXX is owned by the parent company Global Payments. ) We were unaware that the old XXXX merchant number would be discontinued, and a second merchant account number would be created with Global Payments. Thus, we used the original merchant number to stay in compliance. We were advised by XXXX to maintain XXXXXXXX XXXX compliance and run external vulnerability scans for security and to avoid XXXX non-compliance fees. As it appeared we were complying, the parent company was charging us a XXXX non-compliant charge under the new merchant account from XX/XX/XXXX to the present. 
We also learned from XXXXXXXX XXXX that runs the XXXX vulnerability test, that since we are on a virtual payment terminal, and virtual payments are accessed by an Internet-connected web browser, that it would be impossible to detect payment transactions by running a XXXX test on our XXXX XXXX address at this physical location. It would rather be a case of testing our XXXX vendors web server at their data center where the integration between their software and merchant services takes place.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 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: MRS BPO, LLC
State: NV

Complaint narrative:
I the consumer sent an Opt out letter to the company to stop reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-02 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: AR

Complaint narrative:
I reviewed my consumer reports and noticed that i had two 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 a screenshot inside the complaint in on dates of XX/XX/24. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand I demand these payments be updated to paid as agreed on time as they should be due to the fact that i was never late. Thanks! Please see screenshot attached :

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

Complaint narrative:
I reviewed my consumer reports and noticed that i had two 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 a screenshot inside the complaint in on dates of XX/XX/24. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand I demand these payments be updated to paid as agreed on time as they should be due to the fact that 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 explanation
Consumer complaint received 2024-02-02 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: WY

Complaint narrative:
In relation to my previous complaints from earlier this month, Equifax Credit reporting bureau has given me an explanation claiming that they did an investigation internally as well as reporting that there was NO CREDIT FREEZE on my credit report. Upon review my credit, yet again, the statement as well as the placement of items disputed were still under the provisions of my credit report and the items that can not be identified. According to an updated screenshot on my XXXX, there is STILL a freeze that I reported from XXXX/2023 from a previous dispute and identity theft request made around that period. Due to the nature of the information that wasnt provided and the proof from the claim when I checked my credit reporting via the XXXX Portal ( which is indeed a validated and official record of credit reporting supported by their credit reporting agency and does reporting on behalf of Equifax and XXXX ) there have been no updates and the statement is still recorded on my credit report. Because they failed to provide notice, documentation, and validation of all my inquiries, they violated my rights again and have failed to provide information as I have requested. I am still undergoing legality issues in regards to my credit report and identify from XXXX/2023 and the fact that there is no documentation to support their hearsay and what their investigation is proclaiming and none of which was provided to me is violation of my FCRA rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I PROVIDED THE ( IDENTITY THEFT POLICE REPORT ) AS WELL AS THE FTC REPORT i provided all the documentaion to verify my identity this is also my SECOND cfpb complaint THE said credit reporting agency has not UPDATED NOR REPORTED ACCURATE INFORMATION as should be upheld due to the F.C.R.A.

15 U.S.C 1681n 15 U.S.C 1681q has been violated by the said CREDIT REPORTING AGENCY the credit reporting agency DID NOT DELETE THE NEGATIVE ACCOUNTS NOR THE UNAUTHORIZED HARD INQUIRIES

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 2024-02-02 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to address the presence of fraudulent accounts on my credit report, specifically linked to XXXX XXXX XXXX XXXX ( Account Number : XXXX ). I believe these accounts are the result of identity theft.

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