vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-21 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: MO

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
Subject : Complaint Against Credit Collection Services ( CCS ) for Inaccurate Reporting and Failure to Validate Debt Details of the Complaint : I am submitting a formal complaint against Credit Collection Services ( CCS ) for their failure to provide proper debt validation and their inaccurate reporting of a debt on my credit report. Despite multiple requests, CCS has continued to report this debt without providing the necessary documentation to verify its validity. 

Key Issues : Lack of Debt Validation : I requested validation of the debt, but CCS has failed to provide any documentation. Under the Fair Debt Collection Practices Act ( FDCPA ), they are required to cease all collection activities, including reporting this debt, until they have validated it. 
Inaccurate Reporting : CCS continues to report this debt, causing unwarranted harm to my credit score. The information they are reporting is not only unverified but also misleading. 
XXXX XXXX Code Violations : The continued reporting of this unvalidated debt likely violates XXXX XXXX guidelines, which require accurate reporting of consumer credit information. 
Requested Action : I request that CCS be required to cease all reporting of this debt until proper validation is provided. 
I also request that the CFPB investigate CCSs practices and hold them accountable for their violations of the FDCPA and other relevant consumer protection laws. 
Conclusion : This situation has caused significant damage to my creditworthiness, and I believe CCS must be held accountable for their actions. I respectfully ask for the CFPB 's intervention to ensure that my rights as a consumer are protected. 

Thank you for your attention to this matter.

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 2024-08-21 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX Please ensure that all information is accurate DEPARTMENT OF TREASU Account XXXX XXXX  XXXX Account XXXXXXXX XXXX Account XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX Account XXXX The unknown collection account reported negatively impacts my creditworthiness and violates my rights under federal law. Additionally, as a victim of the XXXX data breach, I am concerned about the security of my personal information and the accuracy of my credit report. I demand the immediate deletion of the unknown collection account from my credit report and request a thorough investigation into the matter. Please provide me with a written response detailing the actions taken to rectify the inaccuracies and ensure the security of my credit information. 

XXXX XXXX XXXX XXXX Account XXXX Please investigate and delete it 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 2024-08-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
My report allegedly claimed ova XX/XX/year> yrs old i cant open acct r get credit card build credit buy home i dnt know wats on my report r why

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 2024-08-21 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: AZ

Complaint narrative:
Dear Equifax To Whom It May Concern : I was in the process of applying for new employment and housing and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts There is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-21 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: Kriya Capital, LLC
State: NV

Complaint narrative:
Account was never mines, COMPANY NAME CRENDENCE RESOURCE MANAGEMENT. Also Dates being reported are inaccurate. XXXX XXXX was the first date, as well the date changed to XXXX XXXX the amount of {$1200.00}. Ive disputes this on XXXX XXXX  stating was never mine also the name on the debt is not my name its XXXX which is not my name. Its a fraudulent account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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 2024-08-21 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: MS

Complaint narrative:
I have multiple unauthorized inquiries and XXXX account that I have tried to dispute multiple times. 

Inquiries : XXXX XXXX XXXX : XXXX : XX/XX/XXXX XXXX XXXX XXXX : Transunion : XX/XX/XXXX XXXX XXXX  : Transunion XXXX XX/XX/XXXX XXXX XXXX  : XXXX : XX/XX/XXXX XXXX XXXX  XXXX : Transunion XXXX XX/XX/XXXX XXXX  XXXX : Transunion XXXX XX/XX/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 2024-08-21 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: LA

Complaint narrative:
My account with TransUnion 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 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.

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! 


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 2024-08-21 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: U.S. BANCORP
State: FL

Complaint narrative:
Credit inquiry was done without my permission. 
Information given was not mine as I did not apply for any loan of any type. 

The companies do XXXX  Us Bank and XXXX XXXX were given the following persons name phone and address : XXXX XXXX XXXX XXXX XXXX WAY XXXX XXXX CA XXXX Phone ( 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 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
To Whom It May Concern : Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure were reporting XXXX XXXX correct. Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

XXXX XXXX XXXX XXXX XXXX FDCPA Section XXXX Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX XXXX XXXX  FDCPA Section XXXX Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX XXXX XXXX FDCPA Section XXXX Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX XXXX XXXX  FDCPA Section XXXX Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX XXXX XXXX FDCPA Section XXXX Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX XXXX Please send me the docs that prove that I was ever late. If you can't prove that you had proof, you need to remove these late remarks.

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 2024-08-21 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: AL

Complaint narrative:
To Whom It May Concern : Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure were reporting XXXX XXXX  correct. Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

XXXX XXXX XXXX XXXX XXXX  FDCPA Section XXXX Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX XXXX XXXX  FDCPA Section XXXX Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX XXXX XXXX  FDCPA Section XXXX Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX XXXX XXXX FDCPA Section XXXX Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX XXXX XXXX  FDCPA Section XXXX Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX XXXX Please send me the docs that prove that I was ever late. If you can't prove that you had proof, you need to remove these late remarks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: AL

Complaint narrative:
I have been living in XXXX XXXX since XX/XX/year> and in XX/XX/year> I married XXXX  Woman there. I spend 9 months a year there and 3 months stateside. I have kept all my banking stateside. I use my debit card to make withdrawals from ATMs while I am there, and when I am stateside, I send money to my wife via Western Union or XXXX XXXX I have done this for 7 years with no problems. The amounts were usually between $ XXXX, for living expenses. We also take care of her elderly parents, who are very poor. I arrived here in late XXXX and in XXXX I attempted to send my wife money at XXXX via XXXX, but they said my account was flagged. I asked them to try XXXX XXXX, they said it was also flagged. 

After being told my account was flagead, I contacted my bank and debit card company. Both said they did not have a block on it. I contacted the XXXX  XXXX XXXX XXXX, who said they had never heard of such a thing. Western Union said to file a Fraud report, so I did with the FBI. 
Any help would be much appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 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: FL

Complaint narrative:
Good day, please read this complaint seriously and see the attached file. It's been such a long time that I have been trying to fix the errors being reported on my credit report, but to no avail. My requests to correct this incorrect information kept getting ignored and I had enough. This has affected all aspects of my life negatively ; it's taking a toll on my mental health that I wouldn't even be able to afford help because of my low XXXX XXXX due to these errors.

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 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
some XXXX inquare in XXXX XXXX XXXXXXXX for my credit report that i did not did it and i got alert from my reporting agency

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
This account has inaccurate reporting. The company has failed to properly investigate. attempt to collect payments that do not belong to me. If not resolved, I will sue for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 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: FL

Complaint narrative:
I JUST CHECKED MY PROFILE AND MY SOCIAL WAS USED FOR INFORMATION THAT IS NOT MINE INQUIRIES AND ACCOUNTS THAT DO NOT BELONG TO ME PLEASE HELP ME REMOVE THESE INACCURATE ITEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2024-08-21 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: MS

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 2024-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
Received a promotion email from XXXX that if a signed up for a checking account I would receive a {$100.00} XXXX gift card from XXXX XXXX opened the account months ago.I have phoned and spoke to the bank many times and a case was opened.I was given assurances that I had met all requirements to get this promotion. I was given a complaint number of XXXX and received emails saying case received and someone would resolve this and notify me. 
Also told I should receive email with promotion gift card code. I have checked all spam folders and never received. 
This is fraudulent XXXX ethical behavior by this bank to get customers to sign up and create a bank account with minimum {$500.00} deposit all fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
EQUIFAX COMPLAINT DUE TO YET ANOTHER NATIONAL DATA-BREACH BY XXXX ( XXXX, ETC. ) I WENT ON-LINE WITH EQUIFAX TO XXXX MY CREDIT, BUT WAS LEFT WITHOUT A PRINTABLE & CLEAR ON-LINE CONFIRMATION - THEREAFTER, EQUIFAX DID NOT PROVIDE XXXX IMMEDIATE XXXX CONFIRMATION EMAIL, AS DID BOTH XXXX & XXXX NEXT DAY, I CALLED EQUIFAX TO VERBALLY REQUST XXXX EMAIL AND WAS VERBALLY DENIED A CONFIRMATION EMAIL - ONLY OFFERED A TEXT. INSTEAD OF JUST SIMPLY TELLING ME ON THE PHONE EQUIFAX REFUSES TO PROVIDE EMAIL CONFIRMATION OF A REQUESTED XXXX, I WAS PUT THROUGH REDICULOUS IDENTIFICATION PROCESS AS FOLLOWS. AGAIN, THE OVER-THE-PHONE IDENTIFICATION PROCESS WAS UNECESSARY AND ABSURD INVASION OF MY PRIVACY - WHILE ON MY CELL-PHONE, TALKING TO EQUIFAX, EQUIFAX REQUIRED XXXX REPLY TO A TEXT TO SUBMIT BOTH A PHOTO OF THE FRONT & BACK OF MY DRIVERS LICENSE, AND A FACIAL PHOTO AS WELL- THIS KIND OF REQUEST, OR REQUIREMENT SHOULD BE ILLEGAL. 

AGAIN, THIS WAS AN ABSOLUTE INVASION OF MY PRIVACY!!!

Company response to consumer: Closed with explanation