vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-12 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:
Dear Equifax, I am writing to formally dispute the following accounts on my credit report, which I believe contain inaccurate information : XXXX Bank Account XXXX XXXX XXXX XXXX Bank Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX Upon reviewing my credit report, I have identified discrepancies in these accounts that are not accurate or complete. 

In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 ( i ), I am demanding a procedural investigation into the accuracy of these accounts.

I request that you promptly investigate the disputed information and remove any inaccurate accounts from my credit report without any further delay. 
Please provide me with a written confirmation of your receipt of this dispute and an update on the status of the investigation within 30 days. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX SSN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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: NV

Complaint narrative:
Discovering an error indicating a late payment on my account, despite my consistent adherence to payment deadlines, is disheartening. This oversight is generating unnecessary stress, and I urge you to promptly rectify the situation by updating my records accordingly.

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 2024-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: MoneyLion Inc.
State: TX

Complaint narrative:
I am disputing the accuracy of the following account on my credit report. This account was charged off but was settled, and I have not received the required 1099-C form. This omission constitutes tax fraud against the IRS.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), you must ensure that information reported is 100 % accurate. This account does not meet that standard, so I demand its immediate removal from my credit report. Additionally, please send the 1099-C so I can verify compliance.

The IRS has instructed me to file Form 3949-A regarding illegal tax violations against your company. Please take this seriously, as violations of the FCRA entitle consumers to actual damages and compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Please remove this information from my credit report within four business days, in accordance with Section 605C of the Fair Credit Reporting Act. I would appreciate a notification once this has been done. Thank you for your prompt attention to this importantmatter.

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 2024-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I lost my wallet and over the next couple of days I had two inquiries popped on my report one on the fourth one on the seventh I believe which was from XXXX XXXX and XXXX and accompany called XXXX  I had my report frozen and its the second time I disputed with them the fraud department and they have not removed it. Its a violation of my rights per 15 USC 1681 and if they dont remove these inquiries already talking to my lawyer about possible suing them. Litigation

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 2024-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Re : Late Payment Dispute under the CARES Act, FCRA, and TILA Account NumberXXXX Creditor Name : XXXX XXXX Dear CFPB, I am writing to formally file a complaint against XXXX XXXX for reporting inaccurate information related to a late payment on my credit report. This information does not reflect the protections provided under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ). 

CARES Act During the national emergency caused by the COVID-19 pandemic, I was approved for a financial relief program offered by XXXX XXXX XXXX Under the CARES Act, my account should have been reported in a favorable status while participating in the relief program. However, my credit report shows a late payment, which violates this law. 

Fair Credit Reporting Act ( FCRA ) Under the FCRA, creditors and credit reporting agencies are required to report accurate information. The incorrect reporting of a late payment on my account is unfairly damaging my credit history. I request that the CFPB investigate this inaccurate information and remove this late payment from my credit report. 

Truth in Lending Act ( TILA ) Additionally, under the TILA, creditors are obligated to provide clear and accurate terms and communicate any changes to loan terms. I was not properly informed by XXXX XXXX about how the relief program would impact my credit report, which is a violation of my rights under TILA. 

Request For these reasons, I request that the CFPB investigate this matter and ensure that the inaccurately reported late payment is removed from my credit report. I am attaching relevant documentation that supports my participation in the financial relief program and demonstrates that this late payment was incorrectly reported. 

Thank you for your prompt attention to this matter. I trust that the necessary steps will be taken to rectify this situation in accordance with applicable laws. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Re : Late Payment Dispute under the CARES Act, FCRA, and TILA Account NumberXXXX Creditor Name : XXXX XXXX Dear CFPB, I am writing to formally file a complaint against XXXX XXXX for reporting inaccurate information related to a late payment on my credit report. This information does not reflect the protections provided under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ). 

CARES Act During the national emergency caused by the COVID-19 pandemic, I was approved for a financial relief program offered by XXXX XXXX XXXX Under the XXXXARES Act, my account should have been reported in a favorable status while participating in the relief program. However, my credit report shows a late payment, which violates this law. 

Fair Credit Reporting Act ( FCRA ) Under the FCRA, creditors and credit reporting agencies are required to report accurate information. The incorrect reporting of a late payment on my account is unfairly damaging my credit history. I request that the CFPB investigate this inaccurate information and remove this late payment from my credit report. 

Truth in Lending Act ( TILA ) Additionally, under the TILA, creditors are obligated to provide clear and accurate terms and communicate any changes to loan terms. I was not properly informed by XXXX XXXX about how the relief program would impact my credit report, which is a violation of my rights under TILA. 

Request For these reasons, I request that the CFPB investigate this matter and ensure that the inaccurately reported late payment is removed from my credit report. I am attaching relevant documentation that supports my participation in the financial relief program and demonstrates that this late payment was incorrectly reported. 

Thank you for your prompt attention to this matter. I trust that the necessary steps will be taken to rectify this situation in accordance with applicable laws. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-14 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: 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 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 2024-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
No proof of documents with my valid signature on it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS
State: AL

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.

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 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
Consumer complaint received 2024-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
This company must remove and all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : 1. A debt collector/buyer must be bonded and licensed by the National Mortgage Licensing Service XXXX 
2. The debt must be legally collectible within the states jurisdiction where the creditor resides. 
3. Creditor must be given copies of debt collector/buyer license, bonding number with insurance carrieXXXX name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification. 
4. A debt purchase must have an assignment number and be registered with the National Mortgage Licensing Service. 
5. Any debt not within these guidelines must be deleted from a consumers credit report with prejudice. 
6. This company has posted one or more out dated collection against my credit report. It looks like the account was over 10 years old, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!!

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 2024-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
This company must remove and all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : 1. A debt collector/buyer must be bonded and licensed by the National Mortgage Licensing Service .

2. The debt must be legally collectible within the states jurisdiction where the creditor resides.

3. Creditor must be given copies of debt collector/buyer license, bonding number with insurance carrier name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification.

4. A debt purchase must have an assignment number and be registered with the National Mortgage Licensing Service.

5. Any debt not within these guidelines must be deleted from a consumers credit report with prejudice.

6. This company has posted one or more out dated collection against my credit report. It looks like the account was over 10 years old, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
On XX/XX/XXXX, I booked a round-trip flight # XXXX to XXXX, Minnesota, to the XXXX XXXX for medical attention . The booking was made through American Express XXXX XXXX using their website. Tickets were issued for flights ( # XXXX ) on XX/XX/XXXX from XXXX and for a return flight on XX/XX/XXXX from XXXX [ one stopover at XXXX ]. American Express booked the flights on XXXX and billed my AMEX card for {$510.00}. 
I discovered that I would not need to stay in XXXX for the full period from the XXXX through the XXXX, so I changed my reservation to get a return flight on the XXXX. This led to an increase in the ticket price, which added {$160.00} to my bill bringing the total to {$670.00}. I selected a flight that left XXXX at XXXX XXXX. and was routed through XXXX ( XXXX ) for a return flight to XXXX. The next day, I received an email from American Express showing that my XXXXXXXX XXXX flight routing had changed, and the flight would now take me from XXXX. 
I received notice on XX/XX/XXXX that my XXXX XXXX visit was no longer necessary, so I called AMEX and initiated efforts to cancel the trip. After spending at least 20 minutes on the phone with an AMEX agent, assuring him that I needed to cancel the booking, he apparently did nothing. I checked back on XX/XX/XXXX to find that the booking had not been canceled. I called AMEX again and told them to cancel the flight. They refused to cancel the booking unless I verbally agreed to give XXXX the {$680.00} for some future flight. I again requested cancellation and emphasized that giving XXXX my money was not part of any agreement I saw or agreed to when I booked. 
My plans were not finalized when I initially booked the trip to the XXXX XXXX, and I only booked then because the American Express website said the booking could be canceled up to 24 hours before the flight. Nothing on the website informed me that the ticket was non-refundable and that I would only be given a credit on the airline ( XXXX ). If, in fact, this was the case, this should have been displayed on the webpage. 
I have personally had no interactions with XXXX, only AMEX. AMEX should be responsible for returning my {$680.00}, and they should not give it to XXXX. 
This is my second bad experience with AMEX in less than a year. In XXXX, AMEX booked me with an unscrupulous rental car company in XXXX XXXX operating under over 20 names. They ( AMEX ) advertised the rental company as the lowest-price provider. Although I already had car rental insurance, the company refused to accept it ( I have a rider on my AMEX card ) and insisted that I buy insurance from them at the cost of {$500.00}, for they would not rent me a car. Stranded in a remote location without transportation because of this shady rental company AMEX was pushing on its website.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

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.

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 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 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 2024-10-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Quest Legal Group
State: FL

Complaint narrative:
This quest legal group is trying to say I owe money to a payday loan from 15 years ago or more and the suing me for XXXX loan I dont even know this place and more now I get another letter saying I can settle out of court I looked it up there address is a post office and they are trying to scam people and they have down to take my sons ex girlfriend to court as witnesses and she passed away 16 years ago and there saying there going to take my home away

Company response to consumer: Untimely response
Consumer complaint received 2024-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was looking over my report and I noticed several inaccuracies pertaining to this account. This account is hurting my ability to obtain credit. Its my understanding that the credit reporting agency will investigate this account for me to ensure accuracy. I would like for you to note that all accounts that are referenced are EXACTLY as it appears on my credit report that your company has reported as being accurate. 
Please correct or delete these accounts immediately. 
I have attached My DL, SSN, and Proof of residency for Verification of my identification. 

Company Name & Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was looking over my report and I noticed several inaccuracies pertaining to this account. This account is hurting my ability to obtain credit. Its my understanding that the credit reporting agency will investigate this account for me to ensure accuracy. I would like for you to note that all accounts that are referenced are EXACTLY as it appears on my credit report that your company has reported as being accurate.

Please correct or delete these accounts immediately.

I have attached My DL, SSN, and Proof of residency for Verification of my identification. 

Company Name & Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
According to 15 U.S. Code 1681 ( c ) ( 1 ) ( 3 ), your agency is prohibited from reporting inquiries related to credit or insurance transactions not initiated by me, unless these transactions fall within the exceptions outlined in the law.

Company response to consumer: Closed with non-monetary relief