vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-08 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: EQUIFAX, INC.
State: PA

Complaint narrative:
The information should not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer, but I never received proof that these accounts have been verified. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Northstar Location Services, LLC
State: NY

Complaint narrative:
Company attempting to collect on a debt not owed to them in the amount of {$3000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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: FL

Complaint narrative:
I am writing to formally report the improper use of my credit report by XXXX TransUnion, and XXXX. I believe my credit report was either accessed or used by these entities for purposes that are not permitted under the Fair Credit Reporting Act ( FCRA ). 

Details of the Incident : Companies Involved : XXXX TransUnion, and XXXX accessed my report without permissible purpose, or if TransUnion and XXXX improperly shared my information The FCRA explicitly states that credit reports can only be accessed or used for permissible purposes, such as credit applications, employment screening ( with consent ), or other legitimate business reasons. Based on the information I have, these companies have violated these legal provisions. 

I have already contacted TransUnion, and XXXX XXXX regarding this issue. " XXXX trans Union XXXX did not respond to my inquiries. 

I have spoke with and wrote to the clerk of courts regarding the bankruptcy on my file and they let me know that they did not share information so how did the credit report or agencies get this information?

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 2024-12-09 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: NV

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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: NV

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2024-12-08 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: MD

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 explanation
Consumer complaint received 2024-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2024-12-08 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: MA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-08 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: FC HoldCo LLC
State: MI

Complaint narrative:
On XX/XX/year> I was harassed by a female customer service representative at Flagship Credit. She refused to give me an update on Flagship rectifying their error, and continued to yell and cut me off with every sentence. This representative went on to tell me that Flagship would never allow me to be a customer again because I can not afford their services. She assumed my socio-economic status due to my race. I have never been subjected to such abuse when seeking assistance from a customer service provider before.

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 2024-12-08 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: TX

Complaint narrative:
I am filing this complaint to dispute the reporting of a collection account by XXXX XXXX XXXX XXXX on my credit report. It is impossible for this account to have been verified because a CFPB complaint was sent to XXXX XXXX XXXX on XX/XX/2024, and they failed to validate this alleged account. 

The response provided by your bureau to my prior dispute was insufficient. This collection account remains inaccurate and unverified. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am entitled to validation of any alleged debt reported on my credit file. 

Despite my requests, the following critical items have not been provided by XXXX XXXX XXXX : An explanation of the alleged account balance, including a complete XXXX XXXX and payment history. Documentation showing my agreement to this debt, including my signature and authorization for you to report this information. Proof of a valid agreement authorizing XXXX XXXX XXXX to collect this debt. Evidence of their state license to operate and collect debts in my state. The original promissory note and chain of custody for this account. The purchase agreement showing how and why my information was obtained without consent. This lack of documentation raises concerns about the legitimacy of this account and the accuracy of its reporting. Additionally, XXXX XXXX XXXX appears to be in violation of 15 U.S. Code 1692j, furnishing deceptive forms to create a false belief of participation in the collection of this debt, which I have not authorized.

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 2024-12-08 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 am filing this complaint to dispute the reporting of a collection account by XXXX XXXX XXXX XXXX on my credit report. It is impossible for this account to have been verified because a CFPB complaint was sent to XXXX XXXX XXXX on XX/XX/year>, and they failed to validate this alleged account. 

The response provided by your bureau to my prior dispute was insufficient. This collection account remains inaccurate and unverified. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am entitled to validation of any alleged debt reported on my credit file. 

Despite my requests, the following critical items have not been provided by XXXX XXXX XXXX : An explanation of the alleged account balance, including a complete XXXX XXXX and payment history. Documentation showing my agreement to this debt, including my signature and authorization for you to report this information. Proof of a valid agreement authorizing XXXX XXXX XXXX to collect this debt. Evidence of their state license to operate and collect debts in my state. The original promissory note and chain of custody for this account. The purchase agreement showing how and why my information was obtained without consent. This lack of documentation raises concerns about the legitimacy of this account and the accuracy of its reporting. Additionally, XXXX XXXX XXXX appears to be in violation of 15 U.S. Code 1692j, furnishing deceptive forms to create a false belief of participation in the collection of this debt, which I have not authorized.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Fay Servicing, LLC
State: NY

Complaint narrative:
I've been having to file monthly complaints because this is the only was I have access to my monthly statements or any loan related details. When my loan became past due my online portal was restricted so I had no access to anything, this was XXXX years ago. Since then I have not received a single statement or had access to any loan information despite repeated requests for it. The response CFPB received from Fay Servicing to my last complaint states I have full access to statements and all details on my online portal, and the only thing I can't do is make payments. This is simply not true at all, when I log in a XXXX # appears and says due to account status I can't access anything, it's won't even show me my loan #, I simply can't do anything or change any settings at all. When I contact the XXXX # shown and spoke with a Fay representative for the customer portal, his name was " XXXX '' who refused to provide me with his last name stated, that Fay is not able to or will to provide me any of my loan information at all, I was also told the same thing by my single point of contact XXXX XXXX. Both referred me to the law firm representing them in the foreclosure case. I'm currently making on time payments according to the payment plan, and I've spoken to the law firm XXXX and XXXX about this issue, they say they have made several requests of their client Fay Servicing to provide me access to my account, I've also not involved the XXXX XXXX XXXX XXXXn this as well, since during the settlement conference it was agreed by all parties that I should have acces to all of my loan information, this was over XXXX months ago, and I still need to file monthly complaints with the CFPB just to get a copy of the monthly statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: John C. Heath, Attorney at Law, PLLC
State: AZ

Complaint narrative:
Lexington Law charged me monthly promising to remove derogatory marks on my credit. Said it would take a few months and it kept going way beyond what they said. No one responded when I tried to contact them. Got no results that I expected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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: NC

Complaint narrative:
I am writing to notify you that I am a victim of a data breach and identity theft. I request that the following fraudulent accounts and inquiries be blocked and deleted from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) : 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-08 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: MD

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-08 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: MD

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital one Bank USA Na- charge-off. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXl theses accounts are still on my credit and needs to be removed I have asked them to take this off my credit because it is affecting my credit and I have had creditors ask them and there has been no change some of this is fraud and it needs to be removed ( XXXX Wards, Global Lending Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX these XXXX all fraud I dont know any thing about these creditors ) I did not authorize any of these creditors

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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:
SECOND ATTEMPTTo whom it may concern I recently received a copy of my 3 bureau credit report, I noticed some late payments posted on my credit report XXXX XXXX XXXX XXXX XXXX XXXXXXXX Your company is in clear violation of the law under 15 USC 1681 b - permissible purpose of consumer reports, THE LAW CLEARLY STATES IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates to. Did I give written instructions to finish this on my credit report? Furthermore the Fair Credit Reporting Act 15 USC 1681 ( 2 ) ( a ) ( i ). ( 2 ) Exclusions except as provided in paragraph ( 3 ) The term consumer report does not include ( a ) subject to section 1681s-3 of this title, ( I ) any report containing information solely as to transactions or experiences between the consumer and the person making the report : Delete the above late payments from my consumer report this agency is in violation of 15 USC1681n Failure to respond satisfactorily with deletion of the listed referenced account, and send out a copy of my report after the changes have been made will result in legal actions being taken against your company. 1. Defamation of character ( per-se ) 2. Negligent Enablement of identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations for willful non compliance-616 civil liability for willful non compliance 15 USC 1681n 15 USC 1666 ( B ) A creditor may not treat a payment under any open - end credit plan as late for any purpose unless notified within 21 days by law ( I ) The term " CREDIT CARD '' means any card, plate, coupon book or other credit device existing for purpose of obtaining money, property, labor or services on credit and I was never notified about any late payment. I credited the transaction with my credit card/social security card . The late payments are in violation and also the inaccuracies in reporting history is in violation please correct payment history to paid on time because I was not late. And banks are dependent upon accurate information how can u guarantee accuracy when the reporting history and dates keep changing on this account and all 3 of my credit reports are reporting different information. And they also reported it late while I was disputing a late payment on my account already. I have XXXX confidence that my personal information is safe and secure with this reporting agency and my information is being reported incorrectly.

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 2024-12-08 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: SC

Complaint narrative:
I am writing to demand the immediate removal of fraudulent information from my credit report. The disputed items were not authorized by me and are the result of identity theft or inaccuracies that XXXX has failed to address despite its legal obligation under the Fair Credit Reporting Act ( FCRA ) These items were opened or reported without my authorization. I have previously notified XXXX of this matter and provided supporting documentation, but the erroneous entries remain, causing undue harm to my financial well-being. 



Violations of XXXX XXXX XXXX. Failure to Conduct a Reasonable Investigation ( FCRA XXXX ( a ) ( XXXX ) ( A ) ) Upon receiving a dispute, XXXX is required to investigate and remove unverifiable or fraudulent information. Your failure to take corrective action violates this provision. 

XXXX. Reporting Inaccurate Information ( FCRA 607 ( b ) ) Credit reporting agencies are required to maintain maximum accuracy in the information they report. The continued presence of fraudulent accounts on my credit file demonstrates a failure to meet this obligation.

3. Failure to Correct or Delete Fraudulent Entries ( FCRA 611 ( a ) ( 5 ) ( A ) ) If an item can not be verified as accurate, XXXX must delete it within 30 days of receiving the dispute. By failing to remove these fraudulent entries, XXXX has breached its legal responsibilities.

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