vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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: HI

Complaint narrative:
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 it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-12-05 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: HI

Complaint narrative:
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 it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have identified multiple inaccurate accounts on my credit report, which I believe to be fraudulent. Please block and remove them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-12-05 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : 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 response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccuracies on my credit report regarding the account listed below. This dispute is made under the Fair Credit Reporting Act ( FCRA ) and other applicable federal regulations. 

Account Information : Creditor Name : 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 Disputed Issues : Charge-Off and 1099-C Reporting : Applicable Laws : 15 U.S.C. 1666b, 15 U.S.C. 1681i, 15 U.S.C. 1681s-2 The reported charge-off and associated 1099-C form appear inaccurate. If a debt is deemed canceled and reported via a 1099-C, it should no longer be reported as due. Please delete this charge-off entry and provide documentation of the cancellation or updated reporting. 

Late Payments : Applicable Laws : 15 U.S.C. 1666b, 15 U.S.C. 1637 ( b ), 15 U.S.C. 1681s-2, 15 U.S.C. 1681i Late payments have been reported inaccurately or beyond the allowable time frame. Per FCRA and billing dispute resolution laws, I request the removal of all late payment entries related to this account. 

Collections Reporting : Applicable Laws : 12 C.F.R. 1006.34 ( c ), 12 C.F.R. 1006.6 ( c ), 15 U.S.C. 1681e ( b ), 15 U.S.C. 1681s-2 ( a ) The collection entry associated with this account is inaccurate and does not comply with required validation standards under FDCPA and FCRA. Please delete this collection entry and provide documentation confirming its accuracy. 

Supporting Documentation : A copy of my credit report highlighting the disputed items. 

[ Include any relevant supporting documents, such as payment records, correspondence with the creditor, or the 1099-C form. ] Requested Action : Remove all inaccurate or unverifiable entries related to charge-offs, late payments, and collections. 

Conduct a thorough investigation of these disputes and provide written confirmation of the actions taken within the time frames required by law. 

Update my credit report accordingly to reflect accurate and compliant reporting. 

Additional Details : The account has been reported as charged off with the following remarks : Charged off as bad debt ; Profit and loss write-off. I have identified discrepancies in the reporting timeline and the handling of this account. Additionally, I have paid off 24 % of this loan, and this should be accurately reflected in all reporting. 

If you require further information or documentation, please do not hesitate to contact me. I expect a response and resolution within the legally mandated timeframe. 

Thank you for your attention to this matter. 

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 2024-12-05 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccuracies on my credit report regarding the account listed below. This dispute is made under the Fair Credit Reporting Act ( FCRA ) and other applicable federal regulations. 

Account Information : Creditor Name : Consumer Portfolio ServicesAccount Number : [ Insert Account Number, if available ] Last Reported Date : XX/XX/XXXX, XXXXReported Balance : $ XXXXHighest Balance : {$21000.00} Disputed Issues : Charge-Off and 1099-C Reporting : Applicable Laws : 15 U.S.C. 1666b, 15 U.S.C. 1681i, 15 U.S.C. 1681s-2 The reported charge-off and associated 1099-C form appear inaccurate. If a debt is deemed canceled and reported via a 1099-C, it should no longer be reported as due. Please delete this charge-off entry and provide documentation of the cancellation or updated reporting.

Late Payments : Applicable Laws : 15 U.S.C. 1666b, 15 U.S.C. 1637 ( b ), 15 U.S.C. 1681s-2, 15 U.S.C. 1681i Late payments have been reported inaccurately or beyond the allowable time frame. Per FCRA and billing dispute resolution laws, I request the removal of all late payment entries related to this account.

Collections Reporting : Applicable Laws : 12 C.F.R. 1006.34 ( c ), 12 C.F.R. 1006.6 ( c ), 15 U.S.C. 1681e ( b ), 15 U.S.C. 1681s-2 ( a ) The collection entry associated with this account is inaccurate and does not comply with required validation standards under FDCPA and FCRA. Please delete this collection entry and provide documentation confirming its accuracy.

Supporting Documentation : A copy of my credit report highlighting the disputed items.

[ Include any relevant supporting documents, such as payment records, correspondence with the creditor, or the 1099-C form. ] Requested Action : Remove all inaccurate or unverifiable entries related to charge-offs, late payments, and collections.

Conduct a thorough investigation of these disputes and provide written confirmation of the actions taken within the time frames required by law.

Update my credit report accordingly to reflect accurate and compliant reporting.

Additional Details : The account has been reported as charged off with the following remarks : Charged off as bad debt ; Profit and loss write-off. I have identified discrepancies in the reporting timeline and the handling of this account. Additionally, I have paid off 24 % of this loan, and this should be accurately reflected in all reporting. 

If you require further information or documentation, please do not hesitate to contact me. I expect a response and resolution within the legally mandated timeframe. 

Thank you for your attention to this matter. 

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 2024-12-05 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: FL

Complaint narrative:
I am submitting this complaint to the Consumer financial Protection Bureau ( CFPB ) regarding Bureau specifically in relation to the recent data breach that has compromised the personal information of countless consumers including myself. Pursuant to the Fair Credit Reporting Act ( FCRA ) s 605B ( 15 U.S.C s 1681c-2 ), I request the removal of fraudulent information from my credit report that has resulted from identity theft and fraud.XXXX  is legally required to complete this action within four business days of receiving this complaint XXXX XXXX Date of inquiry : XX/XX/2024 XXXX. XXXX XXXX XXXX  Date of inquiry : XX/XX/2024 XXXX. XXXX  XXXX XXXX  Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX  XXXX Account Number : XXXX The accounts listed above are fraudulent and have led to numerous unauthorized hard inquiries and derogatory collections appearing on my FICO credit report.These entities are unequivocally tied to identity theft and are negatively impacting my credit standing. To substantiate my claim, I have enclosed documentation documentation of my FTC identity Theft complaint ( XXXX ) which serves as compelling evidence that these accounts, inquiries and collection are the result of identity theft and fraud. The negligence of Equifax in safeguarding consumer data has enabled identity thieves to exploit my personal information.I expect immediate action to rectify the matter, with acknowledgment of receipt of this complaint and confirmation of the steps being taken to remove the fraudulent information.Failure to comply with the legal with legal obligation will compel me to take further action, including escalation to the CFPB Federal Commission, and legal avenues available to protect my rights as a consumer. Thank you your attention to this urgent matter. Sincerely XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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: FL

Complaint narrative:
UPLIFT REINSERTED THE ACCOUNT ON MY EQUIFAX REPORT IN XXXX, NO LATE PAYMENT NOR ACCOUNT VERIFICATIONS WERE PROVIDED TO ME REGARDING DELINQUENCIES AT ALL!!! 

IWANT THIS REMOVED IN ADDITION THEY ARE NO LONGER XXXX  BUT XXXX XXXX THIS ACCOUNT WAS PAID BEFORE IT WAS CHARGED OFF, I CALLED THE WEEK OF XX/XX/year> after I paid of the amount that was charged off and the representative said he was able to reserve the charge off status. I WANT THIS GONE NOW!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: NY

Complaint narrative:
Billing and reporting errors by my bank are having a serious negative impact on my credit. According to the Truth in Lending Act ( TILA ), 15 U.S. Code 1666 ( b ), creditors are legally required to accurately reflect payments and credits, but several mistakes have occurred. Payments I made on time were either not recorded properly or miscalculated, leading to inaccurate balances. Additionally, I was never given the mandatory 21-day notice before a payment was due, which makes any reported late payment invalid. These errors are not only misleading but also a violation of federal law, and they are unfairly damaging my credit score.

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 2024-12-05 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
Eastern Account System is trying to collect the service fee for XXXX and XXXX of XXXX  while the account had already been closed in XXXX, XXXX. I sent email and support documents and proofs on XX/XX/year> but Eastern Account System did not response and report the invalid debt to the 3 credit bureaus. 
The account was cancelled on Thursday, XX/XX/year>. 
The balance at the time of cancellation was {$.00} XXXX XXXX equipment was returned on XX/XX/year>. 
Please see the attached proofs.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I made a purchase from a XXXX company for XXXX pairs of sneakers. I was charged {$690.00} which was what me and the merchant agreed to. After waiting for my product for many days i reached out to merchant and asked where my product was. Merchant tells me i have to pay an extra {$200.00} if i want to get my product to the USA from customs. I refused because that was not part of our agreement. The merchant never sent me my product. I reached out to capital one and they said they could not return my funds i then reached out to wise and they also said they could not returned my funds. This has also caused a hardship for me because now im being charged interest by capital one for money they allowed someone to scam from me. Ive attached the conversation with me and the merchant and you can see he refuses to return my money as well as coversations with capital one and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
XXXX XXXX Midland Credit Management XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MI XXXX Re : Validation for Acct # XXXX To Whom It May Concern : This letter is being sent to you in response to a listing on my credit report. This is not a refusal to pay but a notice to request validation. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe. Be advised that I am not requesting a verification ; I am requesting a validation ; that is, competent evidence that I have some contractual obligation to pay you. 

Please provide at least the following information within 30 days from the date of your receipt of this request for validation : Name and Address of Alleged Creditor : Name on File of Alleged Debtor : Alleged Account # : Address On File of Alleged Debtor : Amount of alleged debt : Date that this alleged debt became payable : Date of original charge off or delinquency : Was this debt assigned to the debt collector or purchased? 
Amount paid if debt was purchased : Agreement that bears the signature of the alleged debtor wherein I agreed to pay the creditor. 

If your office fails to respond to this validation request within 30 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. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wi XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I sent certified letter in the mail ( copy attached ) disputing a collection item that was delivered on XX/XX/XXXX. They Call themselves XXXX XXXX XXXX, but on the credit report, they are named XXXX XXXX XXXX. llc with account number XXXX. The problem is, I can't see see my credit report directly with Transunion for whatever reason. I usually have to go through sites like XXXX XXXX, which can be unreliable. I have not seen any markings that a dispute investigation had begun, so this really isn't a complaint, but just to double check to make sure this investigation has started, because the person I talked to on chat said there has been no investigations.

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 2024-12-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BC SERVICES, INC.
State: CO

Complaint narrative:
Was contacted by bc services for a medical debt. I requested invoices so I could make sure it was mine. Never received anything from them till I received a court summons that they were suing me. Tried to set up payment plan with them and they would not work with what I could afford.

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 2024-12-05 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:
XXXX XXXX XXXX is attempting to collect a charged-off debt originally reported by XXXX XXXX. Despite my request for validation, I have sent out a letter XX/XX/year> they have failed to provide sufficient documentation proving the legitimacy of this debt. This is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically : 1. 15 U.S.C. 1692g ( b ) Failure to validate the debt upon request. 2. 15 U.S.C. 1692e Engaging in false or deceptive practices by continuing to pursue collections without providing adequate validation. Additionally, XXXX XXXX XXXX is violating the Fair Credit Reporting Act ( FCRA ), particularly : - 15 U.S.C. 1681s-2 ( b ) Reporting inaccurate or unverifiable information to the credit bureaus, thereby damaging my credit profile.

Impact on Me Their actions are causing significant harm to my creditworthiness and financial stability, as this debt is inaccurately reported and unvalidated. These practices are unlawful and have negatively impacted my ability to secure credit.

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