vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-19 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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXXXXXX has violated my rights. 

I looked at my Equifax credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 non-monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
Dear CCS XXXX XXXX XXXX XXXX Sir/Madam , I am disputing the alleged debt reported by your company. This account is fraudulent, as I have no prior relationship or contract with either the original creditor or your company. 
The reporting of this account violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). To verify the legitimacy of this claim and your authority to collect, please provide : 1. Proof of Authorization under 15 U.S.C. 1692e and 1692f.

2. Legal Basis for attempting to collect this debt, including applicable statutes.

3. Proof of Authorization to Operate in my state.

4. Evidence of Alleged Debt, including any contract or agreement bearing my signature.

5. Full Account History, detailing all charges, fees, and payments.

Your lack of documentation would constitute a violation of FDCPA 1692d, 1692e, 1692g ( b ), and 1692f. Therefore, I demand the immediate removal of this account from my credit records. 
Per the doctrine of estoppel by silence ( XXXX v. XXXX, Mo. XXXX XXXX. XXXX, XXXX ), as I have not acknowledged any debt, I presume none exists. Failure to provide evidence within 30 days will confirm this accounts invalidity. I expect a written response confirming its removal from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
As per my prior complaints, my payments from XXXX to USAA are missing and/or have been returned by USAA with no explanation. 

My credit score continues to decline, as a result of the incorrect balance on my credit card statements. This appears to be extortion. 

Today, I received a call from USAA in the middle of my work day and the representative stated that he was " closing '' the case. 

My notes from his call are as follows : XXXX ( XXXX hours ago ) XXXX. A USAA representative named " XXXX  '' called and stated that an Investigation was done and based off of information they gave me, they are closing the CFPB case. 

XXXX. XXXX ( the USAA representative ) was addressing something from XX/XX/XXXX today. He mixed up payment data. 

XXXX. XXXX should have a `` trail of the transactions '', he stated. 

XXXX. USAA cant contact XXXX to resolve the issue. USAA can only contact me for information. 

5. " Theres a paper trail '', XXXX stated, " an electronic transmittal form ''. Usaa only talks to me and XXXX has to submit their electronic transmission form. 
I explained that I have spent XXXX hours during the workday at XXXX branches, so far, and that I have submitted all information that XXXX has on file. The information and records from XXXX have been submitted to the CFPB and to USAA. 

XXXX. Regarding interest charges, XXXX stated that I should " look at my bill '' and Interest calculations are based on a " purchase balance ''. The balance due makes no sense and does not factor in my multiple payments. 

USAA will not acknowledge my {$6000.00} payment from XXXX that disappeared, among other payments recorded by XXXX, as per my complaints to the CFPB. 

Mortgage fraud involving a USAA mortgage and refi is also impacting my credit score, as discussed. I was not on USAA 's note for XXXX XXXX XXXX, XXXXXXXX XXXX XXXX which appears to have been sold at auction without any information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My account with XXXX, XXXX XXXX, AND XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. 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 reported in to be removed.

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. 

XXXX, XXXX XXXX, AND XXXX 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!

Delete the late payments from my consumer reports

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 2024-11-19 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: NM

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FTC : XXXX CFPB : Date : XX/XX/XXXX Subject : Formal Dispute of Inaccurate and Fraudulent Information on Credit Report Dear TransUnion, I am writing to formally dispute several inaccuracies identified on my credit report. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I request that these inaccuracies be promptly investigated and corrected. The information in question is both incorrect and appears to have been fraudulently added. 

This dispute is submitted on my own behalf, without any third-party assistance. For your review, I have enclosed copies of my identification, Social Security card, an FTC complaint, and a CFPB complaint relevant to this matter. 

Additionally, I reference prior case law where TransUnion has been held accountable for similar violations : XXXX. XXXX XXXX Trans Union LLC ( XXXX ) : Found TransUnion liable for reporting inaccuracies and failing to remove erroneous accounts, violating the FCRA. 


2. United States v. TransUnion LLC ( XXXX ) : Highlighted ongoing FCRA violations, resulting in penalties for non-compliance. 



The specific violations I am addressing include : 1. Fair Debt Collection Practices Act ( FDCPA ) : TransUnion has inaccurately reported debt collection information, potentially violating FDCPA provisions.

2. Fair Credit Reporting Act ( FCRA ) : Numerous FCRA violations, as documented in cases like XXXX XXXX Trans Union LLC. 



XXXX. Attorney General Actions : Government enforcement actions, such as United States XXXX TransUnion LLC ( XXXX ), have cited TransUnion 's non-compliance with FCRA standards. 


Requested Actions : Under 15 U.S.C. 1681c-2, which mandates the removal of information resulting from identity theft within four business days, I request the immediate correction and removal of the following erroneous accounts : 1. Accounts : XXXX XXXX XXXX ( Account # XXXX ) Date : XX/XX/XXXX Balance : {$7800.00} XXXX XXXX XXXX. 

Address : XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX XXXX. Inquiries : XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I trust that TransUnion will XXXX this matter promptly and comply with all legal obligations. Please provide a written confirmation of your investigation and resolution. Should you require any additional information, do not hesitate to contact me at the address above. 

Sincerely, 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 2024-11-19 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: SANTANDER HOLDINGS USA, INC.
State: NM

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX FTC : XXXX CFPB : Date : XX/XX/XXXX Subject : Formal Dispute of Inaccurate and Fraudulent Information on Credit Report Dear XXXX, I am writing to formally dispute several inaccuracies identified on my credit report. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I request that these inaccuracies be promptly investigated and corrected. The information in question is both incorrect and appears to have been fraudulently added. 

This dispute is submitted on my own behalf, without any third-party assistance. For your review, I have enclosed copies of my identification, Social Security card, an FTC complaint, and a CFPB complaint relevant to this matter. 

Additionally, I reference prior case law where XXXX has been held accountable for similar violations : XXXX. XXXX XXXX XXXX XXXX XXXX ( XXXX ) : Found TransUnion liable for reporting inaccuracies and failing to remove erroneous accounts, violating the FCRA. 


XXXX. United States XXXX XXXX XXXX ( XXXX ) : Highlighted ongoing FCRA violations, resulting in penalties for non-compliance. 



The specific violations I am addressing include : XXXX. Fair Debt Collection Practices Act ( FDCPA ) : XXXX has inaccurately reported debt collection information, potentially violating FDCPA provisions. 



XXXX. Fair Credit Reporting Act ( FCRA ) : Numerous FCRA violations, as documented in cases like XXXX XXXX XXXX XXXX XXXX. 



XXXX. Attorney General Actions : Government enforcement actions, such as United States XXXX XXXX XXXX ( XXXX ), have cited XXXX 's non-compliance with FCRA standards. 


Requested Actions : Under 15 U.S.C. 1681c-2, which mandates the removal of information resulting from identity theft within four business days, I request the immediate correction and removal of the following erroneous accounts : 1. Accounts : Santander Consumer USA ( Account # XXXX ) Date : XX/XX/XXXX Balance : {$7800.00} XXXX XXXX XXXX. 

Address : XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX XXXX. Inquiries : XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX XXXX : XX/XX/XXXX I trust that XXXX will address this matter promptly and comply with all legal obligations. Please provide a written confirmation of your investigation and resolution. Should you require any additional information, do not hesitate to contact me at the address above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Validation of Debt - Account Number XXXX Dear Equifax, XXXX hope this letter finds you well. I am writing to formally dispute the collection account referenced above currently listed on my credit report. The account was opened with XXXX XXXX and is reported under XXXX collection agency, with a balance of {$1800.00} and an original balance of {$1900.00}. According to my records, this account does not accurately represent my credit history, and I am requesting validation under the Fair Debt Collection Practices Act ( FDCPA ).

Specifically, I am requesting the following : Verification that XXXX is indeed the legitimate creditor for this account and has the right to collect the debt. 
Complete account payoff details, including the payment history, and relevant documentation supporting the validity of this debt. 
Confirmation that the debt was properly assigned or sold to XXXX, including any and all records that substantiate this claim. 

I must emphasize that, as per the Fair Credit Reporting Act ( FCRA ), you are obligated to provide this information to me within 30 days of receipt of this letter. However, given the nature of this dispute, I kindly request that you expedite the review process and complete your investigation within 10 days. If validation can not be provided, I request that you remove this account from my consumer report, as unpaid debts that can not be verified are not compliant with FCRA guidelines. 

To facilitate a prompt investigation, I request that you respond to this letter at your earliest convenience, preferably via email. 

Thank you for your attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Subject : Request for Validation of Debt - Account Number XXXX Dear XXXX, I hope this letter finds you well. I am writing to formally dispute the collection account referenced above currently listed on my credit report. The account was opened with XXXX XXXX and is reported under XXXX  collection agency, with a balance of {$1800.00} and an original balance of {$1900.00}. According to my records, this account does not accurately represent my credit history, and I am requesting validation under the Fair Debt Collection Practices Act ( FDCPA ).

Specifically, I am requesting the following : Verification that XXXX is indeed the legitimate creditor for this account and has the right to collect the debt. 
Complete account payoff details, including the payment history, and relevant documentation supporting the validity of this debt. 
Confirmation that the debt was properly assigned or sold to XXXX, including any and all records that substantiate this claim. 

I must emphasize that, as per the Fair Credit Reporting Act ( FCRA ), you are obligated to provide this information to me within 30 days of receipt of this letter. However, given the nature of this dispute, I kindly request that you expedite the review process and complete your investigation within 10 days. If validation can not be provided, I request that you remove this account from my consumer report, as unpaid debts that can not be verified are not compliant with FCRA guidelines. 

To facilitate a prompt investigation, I request that you respond to this letter at your earliest convenience, preferably via email. 

Thank you for your attention to this matter. I look forward to your timely response. 

Sincerely, 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 2024-11-19 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Dear Macys/CBNA, I am writing regarding the late payments reported on my credit report for XX/XX/XXXX and XXXX through XX/XX/XXXX. Upon reviewing my records, I am uncertain how these occurred. I believe I made my payments when I received my statements, and any delay may have been due to not receiving my statements or a processing issue where payments were not applied quickly enough. 

During the XXXX XXXX timeframe, I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX during the XXXX XXXX. This extraordinary circumstance left me unable to fully manage my financial obligations. These late payments now stand as the only negative marks on my otherwise solid credit history and are significantly impacting my ability to close on a home. 

I kindly request, in light of our good-standing relationship and my history of timely payments, that you remove these 30/60-day late payments from my credit report and refund any late fees associated with these occurrences. 

Additionally, I believe this reporting may violate the Fair Credit Billing Act ( FCBA, 15 U.S.C. 1666b ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ), as the delays may have resulted from billing issues or errors. I trust you share my commitment to accurate and fair reporting, and I ask for your cooperation in rectifying this matter. 

Your prompt attention to this issue would be greatly appreciated, and I hope we can resolve this amicably. Thank you for your understanding and assistance.

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 2024-11-19 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: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: TX

Complaint narrative:
After original written communication and various phone calls. Experian continues to stall. They sent correspondence first stating falsely I did not represent myself which is a lie. I provided all personal information with factual evidence of identification, yet they did not provide me with any facts confirming the account. They still continue to report this false account XXXX XXXX XXXX  on my credit report. Without independently verifying disputed items Experian has not met the " reasonable reinvestigation '' standard. 

I am highly upset, and my consumer rights continue to be violated by Experian. They have not taken the reasonable steps to prevent inaccurate or damaging information from appearing on my credit report.

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 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Kind Attn : Office of Consumer Affairs, Equifax I am trying to dispute and view my credit report on your portal, MyEquifax.com and other portals like Experian.com and IdentityIQ.com. All are reporting blank Equifax credit reports. 
My username on MyEquifax is XXXX You have messed up my credit reports, for which I sent disputes. I was monitoring my disputes online, but you decided to make it blank and unavailable to me. This is a malpractice. By what right have you stopped the online access to my own records?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Kind Attn : Office of Consumer Affairs, Equifax I am trying to dispute and view my credit report on your portal, MyEquifax.com and other portals like Experian.com and XXXX All are reporting blank Equifax credit reports. 
My username on MyEquifax is XXXX You have messed up my credit reports, for which I sent disputes. I was monitoring my disputes online, but you decided to make it blank and unavailable to me. This is a malpractice. By what right have you stopped the online access to my own records?

Company response to consumer: Closed with non-monetary relief