vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-07 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: NJ

Complaint narrative:
I did not instigate these inquiries and have suspicions of their fraudulent nature. I request a comprehensive investigation and their swift removal from my credit report. Supporting documents have been provided for your examination.

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 2024-12-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CCF Intermediate Holdings LLC
State: OH

Complaint narrative:
In the past month I have received no fewer than 3 threatening letters on a questionable debt not listed on my past 2 credit reports ( almost 16 years ). 

The letters, from XXXX XXXX XXXX XXXX XXXX imply they have the force of law behind them to the uninformed. Additionally, the threats can not be legal ( enclosures ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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 hope this letter finds you well. I am writing to formally lodge a complaint regarding an issue I encountered with Experian related to the removal of a remark from my credit report and the subsequent resubmission of that remark without proper certification, which I believe violates federal law. 

On XX/XX/year>, I contacted Experians customer service and spoke with a representative named XXXX ( confirmation number : XXXX ). During this conversation, I was informed that a remark associated with my credit accounts from XXXX and XXXX XXXX had been removed. However, this remark was later resubmitted to my credit report without the proper certification as required by federal law. 

Under the Fair Credit Reporting Act ( FCRA ), I understand that credit reporting agencies must ensure that all information reported is accurate and verifiable. It is my belief that Experian has failed to comply with these requirements by allowing XXXX and XXXX XXXX to resubmit the remark without a certification, which I understand is required for such actions. 

I respectfully request that your office investigate this matter thoroughly. The resubmission of this remark without the necessary documentation appears to be a clear violation of federal regulations, and I am seeking your assistance in ensuring this issue is corrected and that my credit report is accurately updated. 

For your reference, I have attached any relevant documentation, including my communication with Experian, the details of the remark in question, and any supporting records. 

I look forward to your prompt attention to this matter and appreciate your efforts in ensuring fair and legal credit reporting practices.

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 2024-12-07 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: TX

Complaint narrative:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

UNAUTHORIZED INQUIRY : XXXX XXXX XXXXXX/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 2024-12-07 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: FL

Complaint narrative:
My name is XXXX XXXX and Social Security Number : XXXX, and Date of XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you shall block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : CHILD SUPP XXXX - Opened on XX/XX/XXXX Unauthorized Inquiries : XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 and as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LoanCare, LLC
State: FL

Complaint narrative:
On XX/XX/year>, LoanCare falsely placed my mortgage into bankruptcy. On XX/XX/year>, at approximately XXXXXXXX XXXX EST, I contacted LoanCare via their customer service phone line. I informed them that I had not filed for personal bankruptcy and was instructed to submit my proof to their legal department. On the same day, at XXXX XXXX I submitted the actual docket, which showed that a company I worked for two years ago had filed for bankruptcy. My name was not included in their bankruptcy filing. 

The LoanCare representative provided me with the name of their attorney and advised me to speak with him. On XX/XX/year>, I spoke with XXXX XXXX, an attorney from the law firm XXXX XXXX XXXX, who was handling the case. I explained the error to him, and he requested that I send him the proof. During the call, at XXXXXXXXXXXX XXXX XXXX, I sent him the docket. He assured me that he would address the issue. However, as of the date of this report, he has not corrected the problem. 

On XX/XX/year>, LoanCare continued to engage in fraudulent misrepresentation and unfair or deceptive trade practices by changing the mortgage address to a different address. Despite being presented with clear evidence, they have ignored it and appear to be engaging in willful blindness.

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 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am submitting this formal statement to report several discrepancies in my credit report and request an investigation into the accuracy of the information being reported by the credit bureaus. The following issues require attention : Account Status Discrepancy : The account with Regions Bank ( Account Number : XXXX ) is reported as open with a late payment status on XXXX and XXXX as of XX/XX/XXXX, but XXXX reports the account as closed. This inconsistency across the credit bureaus needs to be corrected to ensure the accurate representation of my credit history. 
Under the Fair Credit Reporting Act ( FCRA ), Section 1681e ( b ), credit reporting agencies are required to maintain accurate and complete information in consumer credit reports. The conflicting statuses may constitute a violation of this provision. 
Discrepancy in Date of Last Payment : The XXXX report lists the date of last payment as XX/XX/XXXX, while XXXX and XXXX report it as XX/XX/XXXX. The differing dates across the reports may result in inaccurate account aging and could impact the removal of negative information from my report.Under FCRA, Section 1681c, negative information must be removed after seven years from the date of last activity. The inconsistency in the reported date of last payment could affect the accurate calculation of this period. 
Inconsistent Reporting of Payment Frequency : The payment frequency is reported as " monthly '' by XXXX, while no payment frequency is listed on XXXX or XXXX. The failure to provide consistent and complete information regarding payment frequency could lead to an inaccurate understanding of my payment history. According to FCRA, Section 1681i ( a ), consumers have the right to dispute inaccurate information. The inconsistencies across the reports may indicate inaccurate or incomplete data being reported. Dispute Status Discrepancy : The dispute status for this account is marked as " Account not disputed '' on both XXXX and XXXX, yet XXXX does not report a dispute status. This discrepancy may violate my rights to ensure the accuracy of disputed information.Under FCRA, Section 1681i, when an account is disputed by a consumer, it must be clearly marked as such in all credit reports.Given the discrepancies outlined above, I respectfully request that the credit bureaus investigate these issues and ensure the accuracy and completeness of my credit report. If the information can not be verified or corrected, I request that the inaccurate information be removed in accordance with the Fair Credit Reporting Act. 

Thank you for your prompt attention to this matter.

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 2024-12-07 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: FL

Complaint narrative:
My name is XXXX XXXX and Social Security Number : XXXX, and Date of XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you shall block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 and 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 explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
Paypal.com is permanent limited my account for reason that XXXX XXXX XXXX XXXX but when i said to them that is an error. 
And give strong proof in my transaction that XXXX XXXX XXXX XXXX they can not give.. 
And still permanent limited my account i want to restored my account because i have fund to withdraw and i cant withdraw because of they did error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: TX

Complaint narrative:
My name is XXXX XXXX and Social Security Number : XXXX, and Date of XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you shall block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX XXXX XXXX XXXX  - Opened on XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 and 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 explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: National Credit Adjusters, LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX is a 3rd party agency claims that I owed {$290.00} to XXXX XXXX XXXX. I submitted a desist letter on or about XX/XX/year> under 15 USC 1692c ( c ) to stop contacting about a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 non-monetary relief
Consumer complaint received 2024-12-07 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2024-12-07 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: AZ

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2024-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Please note that this case has been litigated in Court and moved to arbitration via XXXX ( XXXX XXXX. XXXX ). On or about XX/XX/year> I sent to Respondent the uploaded document marked as Exhibit 4 " AFFIDAVIT OF TRUTH / PROF OF CLAIM NON-NEGOTIABLE via their attorney, which was deliver on XX/XX/year> via XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX whereas XXXX requested documentation ( s ) ( See uploaded Affidavit ) to which was never received by XXXX To date MIDLAND CREDIT MANAGEMENT has failed to send XXXX said request documents as required by law and have defaulted on said request. Also to date, Respondent is still sending said negative reports and remarks to all credit reporting agencies despite their default in clear violation of XXXX 's due process rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 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: NC

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had five late payments on an account that I was never late for Consumer Reporting Agency have assumed a vital role and have a responsibility to reports Consumer information to the best of their ability with the Maximum Accuracy. I have never been late on payment for the account ( XXXX XXXX XXXX ) : ( XXXX ). Please investigate and provide Proof with statements showing that these payments were take. If the proof cant be provided I demand these payments be update to on time as they should be as I was never late. Thanks

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 2024-12-07 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: TX

Complaint narrative:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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