vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-31 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have called several phone numbers at Experian and I am unable to speak to a live agent at ( XXXX, XXXX, and XXXX ). I noticed for the following hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are not listed as auto loan. I was shopping for the best rate regarding auto loans. Thus said I was only supposed to lose XXXX point regarding my FICO 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 explanation
Consumer complaint received 2024-12-31 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: VA

Complaint narrative:
On XX/XX/2023 I received a notification email that I have changes on my credit report and my credit score dropped XXXX points I was upset because I didnt recognize the debt I never had XXXX XXXX XXXX I have XXXX XXXX XXXX  account so I call all three credit reporting agencies to dispute the collection and I was told that a dispute is open and it can take 30 days or more a few weeks later I received another email that the dispute came back verified so I contacted Resurgent and asked them to mail me a copy of the original contract and I never got a response the collection remains on my credit report and they keep selling my information without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern, I'm reaching out because XXXX is helping XXXX XXXX put incorrect information on my credit report related to the account below XXXX XXXX XXXX XXXX XXXXXXXX As Defined by the IRS : The IRS considers a charge-off to be income, either as gross or ordinary income. Income like this doesn't belong on a credit report, so this information on my report isn't accurate! 
By IRS rules, any canceled debt or charge-off is classified as income. Reporting this as debt is incorrect. 

According to 15 USC 1681 s-2, XXXX XXXX, as a provider of information to a credit reporting agency, is prohibited by law from sharing inaccurate info. I'm requesting that you delete this inaccurate information from my report right away.

**15 USC 1681 s-2 ( a ) ( 1 ) ( A ) : ** " A person shall not furnish information relating to a consumer to any consumer reporting agency if the person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate and ; the information is, in fact, inaccurate. '' In summary, l 've shown you that this information is wrong, and youve been notified. Keeping this inaccurate info on my report is a violation of the Fair Credit Reporting Act and your role as a credit reporting agency. 
IRS referral is XXXX. 

Please delete this incorrect information from my report immediately. 
Thank you,

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 2024-12-31 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern, I'm reaching out because experian is helping Foursight Capital put incorrect information on my credit report related to the account below : XXXX XXXX  Account XXXX As Defined by the IRS : The IRS considers a charge-off to be income, either as gross or ordinary income. Income like this doesn't belong on a credit report, so this information on my report isn't accurate! 
By IRS rules, any canceled debt or charge-off is classified as income. Reporting this as debt is incorrect.

According to 15 USC 1681 s-2, XXXX XXXX, as a provider of information to a credit reporting agency, is prohibited by law from sharing inaccurate info. I'm requesting that you delete this inaccurate information from my report right away.

**15 USC 1681 s-2 ( a ) ( 1 ) ( A ) : ** " A person shall not furnish information relating to a consumer to any consumer reporting agency if the person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate and ; the information is, in fact, inaccurate. '' In summary, l 've shown you that this information is wrong, and youve been notified. Keeping this inaccurate info on my report is a violation of the Fair Credit Reporting Act and your role as a credit reporting agency. 
IRS referral is XXXX. 

Please delete this incorrect information from my report immediately. 
Thank you,

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 2024-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 and 15 USC 1681s-2, I am disputing the accuracy of the information reported regarding the following account. I request immediate correction or deletion of the inaccurate information. Additionally, I demand that you cease and desist from all forms of communication with me, including phone calls, emails, and letters, in accordance with 15 USC 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ). Below are the details of my dispute XXXX XXXX XXXX XXXX  Credit Account Number : XXXX Discrepancy : This account is listed as open with 90 days past due as of XX/XX/XXXX. The payment of {$190.00} in XX/XX/XXXX is not reflected accurately in the delinquency status. First delinquency and payment history inconsistencies are evident. 
FCRA Violation : The misrepresentation of payment activity and delinquency dates breaches the obligations outlined in 15 USC 1681s-2 ( a ) ( 2 ), which prohibits the reporting of inaccurate information after notice of errors. 
FDCPA Violation : Cease and desist all communications in accordance with 15 USC 1692c ( c ). 
Relevant Case Law : In XXXX v. XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court emphasized the furnishers duty to investigate and correct inaccurate information. 
Request for Action I request the following actions : Conduct a thorough investigation into the inaccuracies outlined above. 
Provide me with a corrected report and written confirmation of the resolution. 
If you find the information to be accurate, provide me with a detailed explanation and evidence supporting this conclusion. 
Failure to correct this information will compel me to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider legal action to enforce my rights under the FCRA and FDCPA. 
Please confirm receipt of this dispute within five ( 5 ) business days and complete the investigation within the 30-day timeframe as stipulated under 15 USC 1681i .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I received a prepaid Amex Gift Card for XXXX, and right away, first purchase, it was declined. The website doesnt recognize the card and the customer service team just sends your running around from place to place. The last solution they gave me before giving up was that I need to mail them some information and theyll send me a new card, but theres no guarantee that, that card will even work. Ive read about so many situations like this, I dont know how Amex is still able to give out gift cards when so many of them dont work.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: CITIBANK, N.A.
State: NC

Complaint narrative:
I have a detailed 6 page document describing how this Fraud took place. I was unaware of it until it was too late. I want to upload this document to CFPB 's Fraud investigation group.

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 2024-12-31 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: 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. 

List of Unauthorized Inquiries : 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 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: TX

Complaint narrative:
CEASE AND DESIST OF UNAUTHORIZED FRAUDULENT REPORTING PART XXXX THIS IS FROM XXXX XXXX XXXX ) Please send the original application XXXX ) The beginning date and ending d ate of the contract 3 ) The last date this debt received a payment. 4 ) What's the insurance amount on this contract/debt 5 ) Copy of my written signature & a photocopy of my ID, and my SSN card. 6 ) Please send the application that shows I gave anyone person permission to use my name or Information to report on my consumer report. I don't recall giving consent to put these accounts on my report. 7 ) Also send me copies of ALL 13 warning letters that the creditor sent to me if this was my debt and to rectify this debt. 8 ) Send me a copy of the Forward Flow Agreement 9 ) Copy of my Bond and the highest Bond Bidder associated with these debts. It's a violation to report anything on my consumer report. I didn't give you written consent remove it immediately this is identity theft per code 15 USC 1681 B permissible purpose. All rights reserved Ucc 1-308 .XXXX XXXX XXXXXXXX. beneficiary XXXX XXXX XXXX XXXX XXXXXXXX., I'm a natural person and this dispute etuspdi isn't coming from a 3 " party I recently received a copy of my consumer report and I noticed there are 2 accounts that are posted on my consumer report. I'm requesting that these accounts be removed from my consumer report. Per law 15 U.S. Codes 1681a - Definitions : rules of construction | U.S. Code I US Law I Legal Information Institute. 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information. 1 ) Prohibition ( A ) Reporting Information with actual knowledge of errors. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; SEND REQUESTED DOCUMENTS OR delete these accountS : XXXXXXXX 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 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 explanation
Consumer complaint received 2024-12-31 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: MA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ( Experian ) credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

I am reporting fraudulent inquiries on my Experian consumer credit report, which I do not recognize and assert are unauthorized. I demar that these fraudulent items be removed from my credit reports pursuant to my rights under the Fair Credit Reporting Act ( FCRA ). These items must be removed within four ( 4 ) days of receipt of this notice. The fraudulent inquiries are as follows : XXXXXXXX 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 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. 

I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer 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 2024-12-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Southwest Credit Systems , LP Attn : Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Credit Report Entry Request for Correction/Removal Dear Southwest Credit Systems , LP , I am writing to formally dispute a credit reporting entry on my credit report that I believe is inaccurate. I recently reviewed my credit report, and I noticed the following information listed under your collection agency : Creditor Name : XXXX  Account Number : Amount Owed : {$890.00} Date Reported : XX/XX/XXXX I am disputing this entry because because I have no knowledge of this account, I have not had a XXXX account in the last XXXX  years. this has to be the result of identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681i, I am requesting that you conduct a full investigation of this dispute and provide me with a written response within 30 days. If you can not substantiate the accuracy of the debt, I request that you promptly remove the entry from my credit file.

Additionally, as per the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809, I request that you provide me with documentation verifying that you have the legal right to collect this debt, including any original agreement or evidence of the debt owed by me. If this information is not provided or verified, I request that the item be removed from my credit report. 

Please send me a written confirmation that this matter has been resolved, and provide an updated copy of my credit report reflecting the removal or correction of the disputed information. If the investigation reveals that the information is accurate, please provide me with the details and the supporting documentation that proves the validity of the debt. 

Please note that under the FCRA, inaccurate or unverifiable information must be deleted, and I trust that you will follow the law to ensure my credit report remains accurate. 

I have attached any relevant documentation to support my claim, including my credit report and any communication related to this matter. 

Thank you for your attention to this important matter. I look forward to your prompt resolution of this dispute. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Capital One Spark Description of complaint : XXXX have requested Spark Credit Card Statements for calendar year XXXX & XXXX. I was told by Capital One that this request would not be fulfilled. It is my understanding that Bank Financial Record should be kept for XXXX years and available to the card holder upon request. The online self service is unavailable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Technical errors on the websites of the XXXX major credit bureausXXXX, Experian, and XXXX has actually prevented me from accessing any of my credit reports. 

XXXX customer support from any of the XXXX bureaus.

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 2024-12-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: General Motors Financial Company, Inc.
State: AL

Complaint narrative:
[ XX/XX/year> GM FINANCIAL XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX *****SENT VIA CERTIFIED XXXXIL*** RE : VALIDATION OF ACCOUNT Account # : [ XXXX ] To Whom It XXXX Concern, I neither affirm, nor deny this purported debt. You claim I owe your company [ {$1400.00} ]. 

This letter is being sent to you in response to an entry made on my Credit Report dated open ( XXXX XXXX ). Please be advised that this is not a refusal to pay the debt, but a notice sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested. 

Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for verification via E-Oscar or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act. 

Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes. 

Debt validation includes the following : 1. Who was the original creditor on this account, and what was the account number? 
2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor. 
3. Please provide me documentation that indicates that I agreed to pay someone this sum of money. 
4. What was the original date of delinquency for this account? 
5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment. 
6. What did you pay for this account, and how did you calculate the current amount owed? 

I require compliance with the terms and conditions of this letter within 30 days of your certified receipt, or a complete removal from my credit profile, in writing, of your claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with the Consumer Financial Protection Bureau ( CFPB ), and appropriate county, state, and federal authorities. I also hereby reserve my right to take private civil action against your company to recover damages. 
In addition, the Fair Credit Reporting Act states that while this item is being investigated you must indicate to the bureau that the account is under dispute and will remove/cease from reporting this information to the Credit Reporting Agency until full validation has been completed. 
. 

Sincerely, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation