vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-02 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: FL

Complaint narrative:
An item that has resulted from fraud which I never benefitted from still appears on my report and you continue to put this false and fraudulent information on my credit. This is incredibly insulting and a defamation of my character, it's stressing me out knowing that my rights are being violated as a consumer. This is already reported to the Federal Trade Commission but nothing is removed.

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 2025-01-02 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
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. Whos XXXX  XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 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 it you could assist in removing the following from my credit report, these are the accounts :

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 2025-01-02 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: NY

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 non-monetary relief
Consumer complaint received 2025-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PENTAGON FEDERAL CREDIT UNION
State: NV

Complaint narrative:
A XXXX  law firm obtained a judgement against me and levied my bank account. The state laws in XXXX  and XXXX  both have laws about funds that are exempt from levies. I have {$210.00} in my PenFed checking account, and {$300.00} in my PenFed savings accounts, for a total of {$510.00}. These funds are used for living expenses and are exempt from levy under law. The levy has been in place since XX/XX/year>- for over 40 days. The law in XXXX, where the law firm is located, requires an automatic exemption of nearly {$1700.00} from levy. The levy and judgement are related to a default judgement against my company. I was also listed in the lawsuit as the owner of the company. My accounts at PenFed are personal consumer accounts- not business accounts. Although the judgment was executed in XXXX, I live in XXXX. The law XXXX, XXXX XXXX Certain amount in personal bank account not subject to execution, exempts {$2000.00} from levy execution.

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 2025-01-02 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: NY

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 2025-01-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit score has always been pretty high. Up in the XXXX - XXXX. One day, out of nowhere, my score disappeared from both XXXX and Equifax. It dropped down from XXXX to XXXX. I knew there was an error and I called XXXX first to fix it. They were able to retrieve my credit score right back to normal and get it fixed. I called Equifax ( this was about 3 weeks ago ) and nothing has been fixed. I have called three times ( once a week ) to make sure this gets resolved and I get told the same things each time. I ask for a supervisor every time who acts like they do something to fix the issue and they dont. None of the agents know what theyre talking about and they are stuck reading the same script. This is incredibly frustrating because I was told by a supervisor that it would be nearly impossible FOR MY SCORE TO BE THAT HIGH. Ive had that score for over four years now and have managed to get several apartments and cars based off this credit??? how would it be impossible? I am still on the phone on the waiting list for them right now while I am writing this complaint. This is ridiculous they have been no help whatsoever and I cant believe I havent received a single text or email or update - I have had to YELL and demand they transfer me to a supervisor because nobody seems to understand that this is an ERROR that needs to be fixed. I am continuously made to believe this is of my own doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am reaching out to formally dispute the inclusion of a bankruptcy listed on my credit report. I have a court-issued letter that clearly confirms this bankruptcy should not have been reported to your agency. Despite this official documentation, the bankruptcy remains on my report, which is not only inaccurate but also highly concerning. Additionally, there appears to be the involvement of an unauthorized third party in this matter, further complicating the situation and raising serious concerns about the security and accuracy of my credit file. This is a pressing issue that requires immediate attention to ensure my report reflects only accurate and verified 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 non-monetary relief
Consumer complaint received 2025-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: DISCOVER BANK
State: OK

Complaint narrative:
I have attached the letter I have written for DISCOVER as well as the specific screenshot of the conversation between DISCOVER and myself. 

I mentioned this in my last complaint filed and provided the screenshots and DISCOVER chose to respond and not acknowledge that part. 

If DISCOVER would like to verify the validity of the conversation they I imagine have records of the conversation since it was via DISCOVER chat that this conversation occurred. 

I just want to say thank you very much to CFPB and to DISCOVER for being so kind and listening to my issue at hand.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: WI

Complaint narrative:
In XXXX of XXXX, Equifax had a data breach that exposed the personal information of XXXX XXXX people. I was XXXX of those people my information was stolen and used. There is an account by the name of XXXX XXXX thats on my report thats not mine and its also reporting as a collection with XXXX XXXXXXXX XXXX  I had sent documents to all credit bureaus and several disputes. Even contacted the creditor they cant verify me due to me giving them wrong information I dont have the address that was used for that account. This account shows inconsistent information this account says it was open in XXXX of XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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: WI

Complaint narrative:
In XXXX of XXXX, XXXX had a data breach that exposed the personal information of XXXX XXXX people. I was XXXX of those people my information was stolen and used. There is an account by the name of XXXX XXXX thats on my report thats not mine and its also reporting as a collection with XXXX XXXXXXXX XXXX I had sent documents to all credit bureaus and several disputes. Even contacted the creditor they cant verify me due to me giving them wrong information XXXX dont have the address that was used for that account. This account shows inconsistent information this account says it was open in XXXX of 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 2025-01-02 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: MoneyLion Inc.
State: SC

Complaint narrative:
I just had someone else open a new account with their credit report showing of XXXX which is really weird and considering my credit report is nowhere near that because XXXX sent me a notification showing that there was a new account created which I never created another a new account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a XXXX XXXX that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. XXXX XXXX has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I have been disputing 2 collection accounts from this agency. The account numbers goes as follows ; XXXX and XXXX. At first I requested evidence that they even sent me a notice of the debt by sending me a copy of the green return receipt/shipping number. They did not provide it. Then I requested that they show me proof that I am legally obligated to pay them anything and they refused to provide me that as well. I disputed the accounts with the XXXX major consumer reporting agencies and the results came back as ; XXXX - verified, XXXX - verified, XXXX - Deleted. Pursuant to the FCRA I demand that these account are deleted from my reports immediately. I also demand compensation as this agency has violated my rights. They have reported false information on my credit reports, reviewed my credit reports without permissible purpose and on top of it all they are attempting to collect a debt that they haven't proven the legal status of. Violation of both FCRA and FDCPA. I will not rest until this agency has both deleted the accounts & inquiries and has compensate me ; {$1000.00} per inquiry, {$3000.00} per consumer reporting agency you've obtained my information, {$3000.00} for violating my rights under the FDCPA, {$1000.00} per consumer reporting agency you reported the account to under the FCRA. Even if they delete the accounts and inquiries and do not compensate me, I will seek my compensation in the court of law as my rights have been violated. This is my last warning before I proceed with legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: WI

Complaint narrative:
In XXXX of XXXX, XXXX had a data breach that exposed the personal information of XXXX XXXX people. I was XXXX of those people my information was stolen and used. There is an account by the name of XXXX XXXX thats on my report thats not mine and its also reporting as a collection with XXXX XXXXXXXX XXXX I had sent documents to all credit bureaus and several disputes. Even contacted the creditor they cant verify me due to me giving them wrong information XXXX dont have the address that was used for that account. This account shows inconsistent information this account says it was open in XXXX of 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 2025-01-02 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: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint regarding an inaccurate late payment reported on my credit report by American Express ( AMEX ), which I believe constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ). Despite my efforts to resolve this matter directly with AMEX, their customer service has failed to provide sufficient proof to substantiate the late payment. 

I have made multiple requests for evidence of the late payment, but AMEX has been unable to provide the required documentation or proof of the alleged late charge. This raises serious concerns about the accuracy and validity of the information they have reported to the credit bureaus. 

Additionally, I am deeply concerned that American Express has experienced several data breaches in recent years, including a significant breach in 2023. These breaches may have compromised the accuracy of customer data, and I fear that the erroneous reporting of a late payment on my credit report could be the result of such a breach or internal system failures. AMEX 's inability to provide proof further raises questions about the integrity of their reporting processes and the protection of consumer data. 

I would like to highlight that under 15 U.S.C. 1681, the FCRA requires that credit reporting agencies and furnishers of information, such as AMEX, ensure that the information they report is accurate and verifiable. In this case, AMEXs failure to provide proof of the alleged late payment is a violation of this requirement. 

Furthermore, under 15 U.S.C. 1666b, the FCBA imposes clear guidelines regarding the proper handling of billing errors, including a requirement for creditors to provide verifiable documentation in response to disputes. Since AMEX has not fulfilled this obligation, I believe they are in violation of these provisions as well. 

Given these concerns, I am requesting that the CFPB investigate this matter and assist in ensuring that my credit report accurately reflects my payment history. I would also appreciate guidance on how I can formally dispute this entry with the credit reporting agencies, and ensure AMEX is held accountable for any inaccuracies or violations of my consumer rights. 

Thank you for your attention to this matter. I look forward to your prompt response and any further steps I can take to resolve this issue. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivable Management Group, Inc. (GA)
State: NM

Complaint narrative:
On XX/XX/XXXX I received a debt collection letter from Receivable Management Group XXXX XXXX XXXX XXXX. The later indicated I had the right to dispute the debt within XXXX days. On XX/XX/XXXX I mailed a response to the letter disputing the debt and requesting XXXX verify the debt by providing information such as the original age of the debt and delinquency date, their license to collect in the state of XXXX XXXX, and an itemization of the amount owed. The next communication I received from XXXX was a demand for payment in full on XX/XX/XXXX, and it did not contain information I had requested via letter in 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 2025-01-02 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: Resurgent Capital Services L.P.
State: WI

Complaint narrative:
This company is reporting a collection on my credit that I am not legally responsible for. I was a victim of multiple data breaches and have attempted to dispute it multiple times however they have yet to remove it from all XXXX credit bureaus. It has only been removed from XXXX but is still showing on XXXX XXXX XXXX. XXXX removed it back in XXXXXXXX XXXX. I have disputed it with XXXX and XXXX in XXXX, XXXX and XX/XX/year>. I also disputed it directly with the company in XX/XX/year>. I recently learned that this is a violation of FCRA 605 ( b ). This needs to be removed immediately as it is negatively impacting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
Hi, I am writing to formally lodge a complaint regarding the unauthorized exposure of my personal information on all credit reporting systems including but not limited to XXXX, XXXX, and XXXX. I have recently discovered thatmy sensitive data has been shared ormade accessible without my explicit consent, which I believe constitutes a serious violation of my privacy and legal rights. 
As you are likely aware, under the FCRA and other relevant data protection laws, it is illegal to disclose or share personal information without the individuals consent. The unauthorized exposure of my data is a direct infringement on my privacy, and I request that my personal information be immediately removed from all records. I insist that prompt action to remove my personal information from all systems, provide me with written confirmation that allmy data has been removed from all data bases and reports and confirmation that no further unauthorized disclosures or usage of my information will occur. 
Please be aware that if this issue is not resolved to satisfaction on a timely manner, I will have no choice but to pursue legal action including filing complaints with other regulatory bodies and taking this matter up in court. I trust this issue with be treated with the seriousness it deserves and immediate corrective action will be taken. 

Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: AR

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with explanation