vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. XXXX XXXX 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 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through XXXXertfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. XXXX XXXX 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 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NH

Complaint narrative:
My XXXX XXXX XXXX  account was hacked and fraudulent charges totaling {$1700.00} were initiated on XX/XX/year>. They were both on an XXXX virtual card for XXXX through XXXX XXXX  I have a legitimate XXXX account for my XXXXXXXX XXXX  that I purchased in XX/XX/year> and have paid for the last 6 months. I never applied for XXXX credit especially 2 account totaling {$1700.00}. They went through mXXXX XXXX XXXX  XXXX checking account and stole from me. I called XXXX fraud services and was denied even though the purchases were initiated through XXXX. I have NEVER used XXXX money transfer in my life and never had an account with them. I submitted multiple claim to XXXX XXXX and they denied my legitimate claims without giving me any reasons why online or by mail. They are a crooked company and need to be called out for their flippant behavior towards customers with legitimate claims of fraud. I have an excellent credit history with no missed or late payments my entire life. These fraudulent XXXX accounts are 2 months past due now as I will NEVER pay for someone hacking and scamming me like that. If I have to file a police report with my local police department meant to get my money back then so be it. Please help me with this mess. Looking at XXXX online this has happened to numerous people with XXXX telling them there was nothing they could do about it which is obviously 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 2024-12-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
This capital one spark business card belonged to XXXX XXXX XXXX XXXX which XXXX XXXX XXXX XXXX XXXX  This card shouldnt have shown up on my personal credit report and was over limit and recently closed with balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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: ACIMA CREDIT, LLC
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX { Acima Digital Fka Simp } { XXXX XXXX XXXXXXXX XXXX XXXX  } { XXXX, Ut XXXX XXXX Account XXXX Dear Collector : My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt with my signature.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number that give you rights to collect in my state.

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only.

I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX to have confirmation of proof if you respond without the proper validation request or not in the 15 day timeframe you have. 

You have 15 days from the date of this letter to respond with all items requested or this is considered an insufficient validation response and this item must be removed immediately or I will seek litigation for Monetary damages. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Due to lack of physical verifiable proof the agency did not provide by the required timeframe of FCRA laws they must block and delete each account listed in my complaint. For each violation can pay u to {$1000.00} and I had several listed. Couldn't upload all documents so I will mail them in to the CFPB and the credit Agency

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 2024-12-12 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: FL

Complaint narrative:
We got a mortgage with XXXX XXXX Mortgage in the summer of XXXX. They reported us as having missed the XX/XX/XXXX and XX/XX/XXXX payments even though we did not, and they had assured us they wouldn't report us as late until they resolved thier internal investigation. We had provided them with proof of payment as well as bank statements showing payments were made. Six months later XXXX told us they sent letters to all three credit agencies to repair the mistake. XXXX corrected it, but Equifax and XXXX will not. I have filed multiple disputes with both, including providing all documentation and they will not correct the error. I have tried to talk with someone at both agencies but get the run around. We are at a year now that this issue has been unresolved and are at our wits end knowing we were wronged but can not get anyone to fix our credit! This is criplling our borrowing power or ability to refinance our house and needs to be resolved.

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

Complaint narrative:
[ XXXX XXXX ] [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] [ XX/XX/XXXX ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Request for Removal of Paid Collection from Credit Report Dear CFPB Team, I am writing to formally dispute the continued reporting of a collection account on my credit report, despite the fact that it has been fully paid. The account in question is detailed below : Original Lender : XXXX XXXX Name : [ XXXX XXXX XXXX ] Date Assigned : XX/XX/XXXX Original Balance : {$250.00} Current Balance : {$0.00} ( Paid in full ) Under the provisions of the Fair Credit Reporting Act ( FCRA ), consumers are entitled to accurate and fair reporting of their credit information. The continued listing of this account as unpaid is inaccurate and misleading. 

Enclosed, I have provided proof of payment for this debt, demonstrating that the balance has been satisfied in full. I kindly request that this inaccurate entry be promptly removed from my credit reports with Equifax, XXXX, and XXXX. 

Failure to address this issue may result in further action to protect my rights as a consumer. I trust that the CFPB will help ensure the compliance of the credit bureaus and the reporting agency with federal laws. 

Thank you for your attention to this matter. Please feel free to contact me directly if further information is required. 

Sincerely, [ XXXX XXXX XXXX ] Enclosures : XXXX of the credit report showing the collection account Proof of payment for the collection account

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

Complaint narrative:
[ XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, mi XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/XXXX ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Request for Removal of Paid Collection from Credit Report Dear CFPB Team, I am writing to formally dispute the continued reporting of a collection account on my credit report, despite the fact that it has been fully paid. The account in question is detailed below : Original Lender : XXXX XXXX Name : [ XXXX XXXX XXXX ] Date Assigned : XX/XX/XXXX Original Balance : {$250.00} Current Balance : {$0.00} ( Paid in full ) Under the provisions of the Fair Credit Reporting Act ( FCRA ), consumers are entitled to accurate and fair reporting of their credit information. The continued listing of this account as unpaid is inaccurate and misleading. 

Enclosed, I have provided proof of payment for this debt, demonstrating that the balance has been satisfied in full. I kindly request that this inaccurate entry be promptly removed from my credit reports with XXXX, XXXX, and Experian. 

Failure to address this issue XXXX result in further action to protect my rights as a consumer. I trust that the CFPB will help ensure the compliance of the credit bureaus and the reporting agency with federal laws. 

Thank you for your attention to this matter. Please feel free to contact me directly if further information is required. 

Sincerely, [ XXXX XXXX XXXX ] Enclosures : XXXX of the credit report showing the collection account Proof of payment for the collection account

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 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My account with EQUIFAX was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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: Unifin Inc.
State: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting 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 2024-12-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: MI

Complaint narrative:
On XX/XX/XXXX, I recieved an alert about a new account on my credit report. I am unaware of this debt. I request that you provide a notification of the debt to me with a TRACKING NUMBER and signed postage receipt acknowledging that I was made aware of this debt. Having an opening date on my report is a misrepresentation as I have never done business with this company nor recieved a service. 

I also would like you to provide me with the Forward Flow Agreement/Original Purchase Agreement with the ORIGINAL CREDITOR signed by all parties involved. I am requesting this, because I have had multiple companies reach out to me about this same alleged debt. 

If you are unable to provide this information, you are required to cease all collection efforts and remove any references to this debt from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: FL

Complaint narrative:
I have a Vanilla eGift card issued by XXXX XXXX  and serviced by InComm Financial Services. Despite the language on their site saying that " Visa eGift Cards can be used at any United States-based merchant where Visa debit cards are accepted including online, by phone, or by mail-order. Vanilla Visa eGift Cards are activated and ready for use immediately after purchase, '' I am unable to use it. I tried at three separate online merchants only to have it declined.

I spoke to a representative of InComm, who told me that the transactions were being blocked for " security '' reasons and to try another merchant. This isn't acceptable, so I told him I either wanted the restrictions lifted or I wanted the account closed and a check tendered to me for the balance. He refused.

InComm/Sutton are offering a defective service that doesn't work as it is advertised to.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: MO

Complaint narrative:
XXXX XX/XX/year>, I filed disputes with all three consumer reporting agencies pertaining to alleged debts under account numbers : # XXXX # XXXX. When I received my reports they had said accounts pertaining to Radius Global Solutions and XXXX XXXX XXXX claiming them to be verified. So today, XX/XX/year>, I called Radius Global Solutions and XXXX XXXX XXXX to get a copy of the Purchase Agreements they had with creditors pertaining to those alleged debts. Both agencies emphatically informed me today that they dont have any purchase agreements pertaining to any Debs XXXX any creditors. So I called XXXX and XXXX but XXXX wanted to text so I explain everything in the text. Radius Global also informed me that the account # XXXX was in fraudulent status, so I informed XXXX about that ( after Ive already disputed this months ago ), and about them not having any XXXX XXXX with any creditor about said alleged debt, emphatically stated to me that they can not delete that fraudulent inaccurate information. So now Im writing this complaint. Under 15 USC 1692g, I requested for these collection agencies to validate the debts by giving me a copy of the Purchase Agreements between them and the particular creditors, and both agencies informed me today that they dont have any purchase agreements pertaining to any debt with creditor 's!!! So they have never sent me anything! Since they couldnt validate the debts, I contacted XXXX and XXXX about said collection agencies not validating the debts and informed them that those accounts need to be deleted. I was told that they cant be deleted.

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