vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Harassment and Inaccurate Credit Reporting by Credence Resource Management To Whom It XXXX Concern, I am filing a formal complaint against XXXX XXXX XXXX regarding harassment and inaccurate reporting of an account I have no knowledge of. The details of the account are as follows : - **Company Name : ** XXXX XXXX XXXX - **Account Number : ** XXXX - **Account Type : ** Collection - **Balance : ** {$750.00} - **Date Opened : ** XX/XX/XXXX - **Status : ** Collection account reported as past due {$750.00} as of XX/XX/XXXX. 

This account, linked to XXXX, has been reported to my credit file despite my having no awareness of its existence, no knowledge of the alleged equipment, and no associated transactions. My efforts to resolve this matter have been met with continued harassment and negligence by the company. 

Under the Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681s-2**, it is unlawful for any company to furnish inaccurate or incomplete information to credit reporting agencies. Furthermore, the harassing communications from XXXX XXXX XXXX XXXX constitute a violation of the **Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692d**, which prohibits abusive, deceptive, and unfair practices by debt XXXX. 

I respectfully request the following : 1. Immediate cessation of all harassing communications regarding this account. 
2. An investigation into the legitimacy of this account, including validation of the debt.

3. Removal of this account from all credit reporting agencies if the claim is invalid. 

Sincerely, 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 2024-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Amex suspended my card on XX/XX/year> with XXXX reason provided, less than XXXX month after they charged me the first annual fee for the card ( XX/XX/XXXX ). All my transactions got declined since. I made all my payments duly ( actually, in advance ). 

I called on XX/XX/XXXX, and their representative told me to get a new replacement card. The replacement card arrived on the XXXX ; and, after all the hassle of payment method changes for each of the dozens of my accounts, it turned out to be not working, either. I called again ; this time their representative made me go through an online identity verification where I uploaded my driver 's license 's pic and had to smile ( ironically ) for a face recognition. Still didn't work. Several transfers of calls later, they were just sorry to inform me that my account has been flagged for a fraudulent account and the only factual basis they have is that " someone '' ( not me ) called them on XX/XX/XXXX to report a fraud. Turns out they did XXXX identification check for that caller and could not provide his/her name or even the phone number that he/she called from. And, based on that mysterious and unfounded call, my card got suspended, with XXXX guaranty that my membership fee could be refunded. 

I was appalled -- not only at the outcome of all this but at the sheer lack of any justification they ever bothered to give, and the arrogance therein, as well. I never made any fraud reports ; all " flagging '' was on Amex 's part only, for which they also refused to identify any factual/evidentiary basis. I called a third time tonight where I confirmed the case history with them ( with recorded transcript attached -- the recording itself exceeded the doc size limit ) and they basically still told me to wait ( indefinitely ) for a call ( that would be made at their convenience ) that probably would just tell me my account 's terminated, for ever, for no reason, period, thanks ( a possibility that they very readily admitted ). 

To clarify : I can link the card to all my other services. Up to now I can log into my Amex card account. I was able to make new payments to Amex ( a choice I regret ). Amex continued to send me offer emails re my second card -- a clear evidence that the system is not identifying my card as a " fraudulent '' one. It's just that all the transactions got declined. The total chaos and lack of organization within the company and their responsive system that this dispute unveils is astounding. 

Please let me know any other info I can provide to assist. Thanks for the help in advance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 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: CA

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 


XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX-XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 


XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Stark Collection Agency, Inc.
State: NM

Complaint narrative:
The company is called tds its a internet provider, I closed my account with them, but was never notified I owed a balance, I wasnt able to log back into my account to even possibly pay for that balance because they suspended my log in after I canceled with them. This happened in XXXX of XXXX  its a balance of XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I am filing a complaint regarding the incorrect reporting of a late payment on my account. Despite the companys records indicating the payment was late, the monthly statement and my own records confirm the payment was made and received on time, prior to the due date. This error has potentially harmed my credit profile and caused unnecessary stress. I request an investigation into this matter, correction of the error, and an update to all relevant credit reporting agencies to accurately reflect the on-time payment. Additionally, I seek written confirmation once the issue has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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 writing to file a complaint regarding inaccurate reporting of late payments by XXXX  XXXX XXXX XXXX  on my credit report. Despite my attempts to dispute this issue directly with the bank, the incorrect information remains on my credit report, negatively affecting my credit score. 

The details of the issue are as follows : Inaccurate Late Payments : XXXX  XXXX XXXX XXXX  has incorrectly reported late payments on my credit card account, even though I have made all payments on time. These incorrect late payment entries are adversely impacting my credit profile. 

Disputes Not Resolved : I have attempted to resolve this issue directly with XXXX  XXXX XXXX XXXX by [ briefly describe your attempts, e.g., disputing the late payments with the credit bureaus or contacting the bank directly ], but the errors have not been corrected, and the inaccurate information remains on my credit reports with XXXX, XXXX, and TransUnion. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and assist in ensuring that XXXX XXXX XXXX XXXX corrects the inaccurate information on my credit report. I also request that the bank be held accountable for their failure to correct these inaccuracies, which have caused significant harm to my credit score. 

Thank you for your attention to this matter. Please do not hesitate to contact me if you need further information or documentation to support my complaint.

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 2024-12-04 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 writing to file a complaint regarding inaccurate reporting of late payments by XXXX XXXX XXXX XXXX on my credit report. Despite my attempts to dispute this issue directly with the bank, the incorrect information remains on my credit report, negatively affecting my credit score. 

The details of the issue are as follows : Inaccurate Late Payments : XXXX XXXX XXXX XXXX  has incorrectly reported late payments on my credit card account, even though I have made all payments on time. These incorrect late payment entries are adversely impacting my credit profile. 

Disputes Not Resolved : I have attempted to resolve this issue directly with XXXX XXXX XXXX XXXX  by [ briefly describe your attempts, e.g., disputing the late payments with the credit bureaus or contacting the bank directly ], but the errors have not been corrected, and the inaccurate information remains on my credit reports with Equifax, XXXX, and XXXX. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and assist in ensuring that XXXX XXXX XXXX XXXX corrects the inaccurate information on my credit report. I also request that the bank be held accountable for their failure to correct these inaccuracies, which have caused significant harm to my credit score. 

Thank you for your attention to this matter. Please do not hesitate to contact me if you need further information or documentation to support my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to file a complaint regarding inaccurate reporting of late payments by XXXX XXXX XXXX XXXX  on my credit report. Despite my attempts to dispute this issue directly with the bank, the incorrect information remains on my credit report, negatively affecting my credit score. 

The details of the issue are as follows : Inaccurate Late Payments : XXXX XXXX XXXX XXXX  has incorrectly reported late payments on my credit card account, even though I have made all payments on time. These incorrect late payment entries are adversely impacting my credit profile. 

Disputes Not Resolved : I have attempted to resolve this issue directly with XXXX XXXX XXXX XXXX by [ briefly describe your attempts, e.g., disputing the late payments with the credit bureaus or contacting the bank directly ], but the errors have not been corrected, and the inaccurate information remains on my credit reports with XXXX, Experian, and XXXX. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and assist in ensuring that XXXX XXXX XXXX XXXX corrects the inaccurate information on my credit report. I also request that the bank be held accountable for their failure to correct these inaccuracies, which have caused significant harm to my credit score. 

Thank you for your attention to this matter. Please do not hesitate to contact me if you need further information or documentation to support my complaint.

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 2024-12-04 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: OH

Complaint narrative:
I recently looked at my Credit Report and I noticed some hard inquiries and accounts that did not have permissable purpose. I've also attached Dispute letter.

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 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 


XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$5800.00} XXXX XXXX Balance : {$140.00} XXXX XXXX Balance : {$460.00} XXXX  XXXX Balance : {$2800.00} XXXX  XXXX XXXX XXXX : {$230.00} XXXX  XXXX XXXX Balance : {$40.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

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

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA

Complaint narrative:
I discovered a fraudulent check had been deposited into my Bank of America checking account when I noticed an unexpected change in my account balance. I contacted the bank branch for assistance, but I was told there was nothing they could do, and that I would lose any money I had already in the 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 monetary relief
Consumer complaint received 2024-12-04 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: HI

Complaint narrative:
This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Experian credit reporting agency, block information appearing on my credit report that is the results of Identity theft, XXXX data Breach and fraud withing XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX  XXXX : Account number : XXXX, XXXX XXXX  | XX/XX/year> : XXXX  : Account number : XXXX, XXXX  XXXX : Account number : XXXX, XXXX  XXXX : Account number : XXXX, XXXX  XXXX : Account number : XXXX, XXXX XXXX : Account number : XXXX, XXXX  XXXX : Account number : XXXX, XXXX  XXXX : Account number : XXXX, XXXX  XXXX : Account number : XXXX, XXXX  XXXX : Account number : XXXX, XXXX  XXXX : Account number : XXXX, XXXX  XXXX : Account number : XXXX, XXXX  XXXX : Account number : XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.

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 2024-12-04 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
This loan was not originated by me. 

The IP address that this was originated from is not mine, my ISP, nor is it local to me. 

IP Address : XXXX I had a loan with a firm called XXXX XXXX that was paid off almost XXXX years ago. I did not take out another loan. This is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: I.C. System, Inc.
State: NC

Complaint narrative:
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1 5 U S C 1 6 8 1 S E C T I O N 6 0 4 A S E C T I O N 2 : I T A L S O S T A T E S A C O N S U M E R R E P O R T I N G A G E N C Y C A N N O T F U R N I S H A C C O U N T W I T H O U T M Y W R I T T E N I N S T R U C T I O N S 1 5 U S C 1 6 6 6 B : A C R E D I T O R M A Y N O T T R E A T P A Y M E N T O N A C R E D I T C A R D A C C O U N T U N D E R A N O P E N E N D C O N S U M E R C R E D I T P L A N A S L A T E F O R P U R P O S E S.

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 2024-12-04 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: PA

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 Account # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 SECTION 602A Stated I have the right privacy 15 U.S.C 1681 SECTION 604A SECTION 2 : It also states a consumer reporting agency can not furnish an 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 conviction of crimes which antedates the report by more than XXXX 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 response to consumer: Closed with explanation