vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-20 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: WA

Complaint narrative:
I have been very patient with Equifax and have requested them to remove inaccurate information from my credit report that has implications for fraudulent activity. This is the fifth time I am bringing this matter to your attention, and I don't have the words to explain how disappointed and frustrated I am. Dealing with people and systems that are purposely directed towards innocent individuals, treating them like trash and ignoring them, is unacceptable. This has gone far enough. This has to stop now, especially with XXXX, Equifax, and XXXX. 

If you graded them as criminals, they would be the worst of the worst. Their actions have XXXX so many people 's hopes and dreams and, in some cases, might have caused divorces, XXXX XXXX XXXX XXXX. Their corrupted actions only benefit the richest corporations and have actively been labeled above the law. Is that really happening? 

All information provided to the Bureau or the Commission, whether orally or in writing, shall be treated as confidential and not publicly disclosed until the Effective Date. This will be mentioned to the attorneys I am going to hire to sue and pursue punitive damages for the duration of the combined efforts accumulated over the last year. I was hacked by a hacker and lost over {$300000.00}. Now we know how they get their informationemails, passwordsall because of negligence and greed. Hope you are ready to pay again. This shouldn't happen to anyone. How do you recover from a loss like this? I have lost everything, and I have to live with that. I don't think you realize how much anger has built up. 

I would like XXXX, Equifax, and XXXX to please remove all the negative, inaccurate, and unverified information. Especially the charge-offs that are not supposed to show any balances and have been fraudulently added after being removed correctly. The creditors have already committed fraud by not removing them since they had their time to send the 1099c, and it has been sent to the IRS as 1099a. If anyone like you or I lied or stole money at that level, we would see prison time for sure. Above the law, you would think. Is fraud a crime or not? 

And next, please remove your own fabricated hard inquiries. If the consumer does not receive any funds from the transaction, why are you adding them back on after removing them? Sneaky, like you know you are breaking the law, like adding more apples to the bag that was already weighed and packaged equally, then expecting to pay the same price for stealing. I hope you find it in your hearts to give a little back sometimes instead of taking every drop you can like spoiled, entitled brats. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: TX

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

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

I demand the late payment 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 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 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have several closed accounts on my 3 credit bureaus and I would like them to be removed from 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 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
XXXX XXXX filed a 120 day late payment on XX/XX/year>. 

I was in a forbearance that went on far beyond XX/XX/year> through an extension. 

I called XXXX XXXX about this late payment filed on my credit report and they falsely stated they never filed this late payment on my credit score.

I can not rectify this mistake because XXXX XXXX keeps denying they have made this claim against my credit score.

I was in forbearance and this late payment is a false report that needs to be 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 2024-11-20 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I was shocked to find unauthorized inquiries on my credit report today, with no explanation for their presence. Ive tried troubleshooting on my end, but nothing has changed. Please review my submitted documents immediately to ensure this matter is fully resolved and wont happen again.

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 2024-11-20 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: IN

Complaint narrative:
Unexpected unauthorized inquiries appeared on my credit report today, leaving me confused and upset. I attempted to refresh my browser in hopes it was a mistake, but the issue persists. I urgently need your team to carefully examine the documents Ive sent so I can put this behind me.

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 2024-11-20 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: IN

Complaint narrative:
I was completely caught off guard this morning when I discovered inaccurate accounts on my credit report. This is something Ive never encountered before, and I have no explanation for why it happened. I checked my credit report, expecting everything to be in order, only to find unexpected discrepancies. Refreshing my browser didnt change anything, and the inaccuracies were still there. XXXX pleading for a thorough review of the documents Ive submitted to ensure I never have to deal with such a situation again.

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 2024-11-20 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 did not open these accounts and believe them to be fraudulent. I request a thorough investigation and removal from my credit report. Supporting documents are attached.

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 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Violation of My Consumer Rights!!!

This is Not a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 calendar days to investigate this information, during which time all collection activity shall CEASE and DESIST.

If your offices fail to respond to this validation request within 30 calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. Also {$1000.00} for each Violation commented 15 USC 1692 ( g ) 15 USC 6801 ( n ) 15 USC 6803 16 CFR 433.2 18 USC 911 15 USC 1662 28 USC 3002-3 28 USC 3002-4 28 USC 3002-10

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Violation of My Consumer Rights!!!

This is Not a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 calendar days to investigate this information, during which time all collection activity shall CEASE and DESIST.

If your offices fail to respond to this validation request within 30 calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. Also {$1000.00} for each Violation commented 15 USC 1692 ( g ) 15 USC 6801 ( n ) 15 USC 6803 16 CFR 433.2 18 USC 911 15 USC 1662 28 USC 3002-3 28 USC 3002-4 28 USC 3002-10

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 2024-11-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
I had a XXXX  account in Texas. I returned the equipment to XXXX and received an invoice. I was told by XXXX Collections, that there is no more debt, the debt was almost 4 years ago. I do not owe anything to them, actually have a new account. This company XXXX and XXXX have been texting and sending me messages for the past year, even after I showed proof of XXXX debt with XXXX XXXX.

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 2024-11-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I, XXXX XXXX, am addressing several violations of the Fair Credit Reporting Act ( FCRA ) by a credit reporting agency or other entity that has mishandled my personal information. I am asserting that they failed to comply with various provisions of the FCRA, which has negatively impacted my credit report. Specifically, I am alleging the following violations : Willful Noncompliance ( Section 616 ) : The agency accepted credit information about me without verifying its accuracy, which is a willful violation punishable by civil liability of up to {$1000.00} per violation. 

Failure to Disclose Opt-Out Rights ( Section 603 ( d ) ( 2 ) ( A ) ) : The agency did not inform me of my right to opt out of sharing my personal information, which is a deceptive violation of my rights. 

Furnishing Inaccurate Information ( Section 623 ( a ) ( 3 ) ) : The agency reported inaccurate inquiries and accounts without proper validation, potentially violating Generally Accepted Accounting Principles ( GAAP ), which makes this deceptive. 

Debt Collection Violations : I allege that the agency engaged in unfair debt collection practices by reporting inaccurate debts and accounts without my consent, causing distress and harassment.

Improper Disclosure of Debt Information : Debt collectors allegedly contacted third parties about my debt without my permission, violating regulations on disclosing debt information.

Late Payment Reporting Issues : I claim that the agency reported late payments on my credit report without explaining what constitutes a late payment, which is deceptive. 

Incorrect Finance Charges : The agency reportedly failed to accurately determine the finance charges on my credit report, which is their responsibility. 

Unauthorized Reporting : The agency reported information about me without obtaining my written consent, violating the permissible purposes outlined in the FCRA. 

As a result of these violations, I am requesting that the following actions be taken : Immediate removal of inaccurate personal information associated with my addresses in XXXX, SC, and XXXX, GA. 
Correction of the payment history for my XXXX account to reflect " Never late '' as per XXXX instructions. 
Validation of the XXXX XXXX debt, as it was reported without proper validation or evidence of my liability. 
Deletion of accounts reported by XXXX, XXXX, and XXXX XXXX which were reported without a permissible purpose. 
I am demanding prompt resolution to these issues, and I expect a response soon. If these violations are not addressed, I will pursue legal action under the FCRA to seek remedies for these violations.

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 2024-11-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
VALIDATION AND CEASE AND DESIST XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Dear CEO of XXXX XXXX XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. XXXX. XXXX of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other XXXX I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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 TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


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

I demand the late payment to be updated.

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

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


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

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


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


Update the late payments from my consumer reports

Company 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 2024-11-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Credit Karma, LLC
State: NY

Complaint narrative:
I am attempting to close a " Credit Builder '' account I started with Credit Karma. I submitted a request to close the account on XX/XX/XXXX, and was told the issue would be escalated to their Specialized team, but was not given a timeline for when this would take place. After reading other users ' issues where they did not get a response for weeks, I followed up on the XXXX and XXXX, and was told the same thing. On the XXXX, I was given a phone number ( XXXX ) XXXX, that did not work. After finally receiving a number that did work, I was put on hold, then disconnected. After I called back, I was able to get a supervisor who told me the same thing - that my issue would be escalated to their specialized team, but they had no idea when I would be contacted. It's suspicious to me that they 1 - do not have enough staff hired to handle the workload and 2 - that those staff can't provide a timeline for when they will catch up on the high volume of requests to close credit builder accounts. 

I have filed complaints with the XXXX and the NY Department of Financial services as well.

Company response to consumer: Closed with monetary relief