vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-03 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: TX

Complaint narrative:
Account Name : XXXX, Account # XXXX Account Name : XXXX XXXX, Account # XXXX 15 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 an 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 seven 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 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 2024-11-03 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: TX

Complaint narrative:
Account Name : XXXX, Account # XXXX Account Name : XXXX XXXX, Account # XXXX 15 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 an 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 seven 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 2024-11-03 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: PA

Complaint narrative:
I recently reviewed a copy of my credit report and realized some alarming information. I found there were fraudulent accounts that I have no knowledge of. I am disputing these inaccuracies and fraudulent accounts because none of these items on my report represent any transaction I made. I believe I am a victim of Identity Theft. 
These accounts being reported on my credit report calls for action of deletion because these accounts show many inaccuracies or fraudulent charges not made by me across all bureaus show that these accounts. This is in clear violation of my Fair Credit Reporting Act ( FCRA ). 
I ask that the accounts listed below be removed because its in clear violation of The Fair Credit Reporting Act section 15 U.S. Code 1681i - Procedure in case of disputed accuracy. I ask that the accounts and inquiries be investigated thoroughly and as a result 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 non-monetary relief
Consumer complaint received 2024-11-03 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: PA

Complaint narrative:
I recently reviewed a copy of my credit report and realized some alarming information. I found there were fraudulent accounts that I have no knowledge of. I am disputing these inaccuracies and fraudulent accounts because none of these items on my report represent any transaction I made. I believe I am a victim of Identity Theft. 
These accounts being reported on my credit report calls for action of deletion because these accounts show many inaccuracies or fraudulent charges not made by me across all bureaus show that these accounts. This is in clear violation of my Fair Credit Reporting Act ( FCRA ).

I ask that the accounts listed below be removed because its in clear violation of The Fair Credit Reporting Act section 15 U.S. Code 1681i - Procedure in case of disputed accuracy. I ask that the accounts and inquiries be investigated thoroughly and as a result removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-03 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: DE

Complaint narrative:
XXXX Prior CFPB Investigation [ XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX DelawareXXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Late Payment Reporting and Request for Deletion Dear Equifax, I am writing to formally dispute the accuracy of my credit report concerning several accounts that have been inaccurately marked as late. According to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681a, 15 USC 1681s-2, and 15 USC 1681n , I have the right to dispute any information that I believe is inaccurate. Additionally, under 15 USC 1666b, I am concerned about the timing of the payments reflected on my report. 

The accounts I am disputing are as follows : XXXX XXXX XXXX XXXX Date Opened : XXXX Account Number : XXXX XXXX XXXX XXXX Date Opened : XXXX Account Number : XXXX Universal XXXX XXXX Date Opened : XXXX Account Number : XXXX XXXX XXXX XXXX Date Opened : XXXX Account Numbers : XXXX, XXXX I have provided you with over 30 days to investigate and correct these discrepancies, yet no action has been taken. Your inaction has placed Equifax in violation of the above-referenced statutes. Therefore, I am requesting the deletion of all transactions marked as late for the accounts listed. 

If this matter is not resolved today, I will seek professional representation for small claims court. I am also pursuing monetary relief due to your noncompliance with the FCRA and related regulations. 

Please consider this letter a formal request for prompt resolution. I expect a written confirmation of the deletion of the late payments from my credit report within the next five business days. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX  XXXX Account Name : UNKNOWN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-03 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: GA

Complaint narrative:
EQUIFAX XXXX XXXX : XXXX XXXX XXXX XXXX {$26.00} XXXX : XXXX XXXX, XXXX {$32.00} Has reported two fraudulent collections on my credit report, with a balance of {$26.00} and {$32.00}. 
These are NOT my accounts I am a victim of fraud. My information has been exposed in all data breaches Equifax, experian, etc. Also my information and passwords are confirmed and exposed on the DARK WEB!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-03 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: PA

Complaint narrative:
I recently reviewed a copy of my credit report and realized some alarming information. I found there were fraudulent accounts that I have no knowledge of. I am disputing these inaccuracies and fraudulent accounts because none of these items on my report represent any transaction I made. I believe I am a victim of Identity Theft. 
These accounts being reported on my credit report calls for action of deletion because these accounts show many inaccuracies or fraudulent charges not made by me across all bureaus show that these accounts. This is in clear violation of my Fair Credit Reporting Act ( FCRA ). 
I ask that the accounts listed below be removed because its in clear violation of The Fair Credit Reporting Act section 15 U.S. Code 1681i - Procedure in case of disputed accuracy. I ask that the accounts and inquiries be investigated thoroughly and as a result 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 non-monetary relief
Consumer complaint received 2024-11-03 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:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 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 2024-11-03 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: CL Holdings LLC
State: NV

Complaint narrative:
Hired Credit Repair company to dispute inaccuracies for 2 fraud accounts XXXX and XXXX ; At the time ( 2022 ) the accounts were reporting XXXX to all 3 bureaus and XXXX was reporting only to XXXX ; Both of these were found to be inaccurate and were successfully deleted from all 3 bureaus ; however, 1 year later, BOTH accounts were allowed to be added back to XXXX and XXXX by yet ANOTHER collection company-JEFFERSON CAPITAL SYSTEM

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
Online payments were made on time from XXXX, according to XXXX XXXX at XXXX on XXXX XXXX XXXX, XXXX, CO, XXXX. XXXX last week. 

We called USAA from XXXX and USAA claimed that the there was a wrong address on the payments, which were to USAA at addresses on file. 

{$4000.00} XX/XX/XXXX made and posted XX/XX/XXXX returned by XXXX deducted from my Chase accounts for 2 days {$6000.00} XX/XX/XXXX was taken out of my Chase account and returned by USAA and posted XX/XX/XXXX - through bill pay. 

I am being charged interest by USAA and this has impacted by XXXX XXXX, because my credit card balance appears to be high even though it's been paid off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-03 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: FL

Complaint narrative:
On XX/XX/year>, I went to XXXX store # XXXX at XXXX to purchase a visa gift card. I paid {$160.00} for the card but upon arrival at home I open the package and i found a {$100.00} gift card instead. I called Visa customer service they told me the card that i have was already purchase for {$100.00} on XX/XX/year> which was 11 days before i bought that same card. I was confused. XXXX agent suggested that i go back to the retail store where i bought the card which is XXXX. Upon arrival, i was met with cashier XXXX who explained everything. XXXX suggested that i call back the company again or come back the next morning to speak with the manager. XXXX confirmed that it was not the first time a customer had that similar problem. XXXX pulled a similar card from the shelve and found it was double bar code just like the one i bought. The following morning, i went back to the store and spoke with XXXX XXXX who told me that he was aware of the fraud going on at his store but unfortunately, the store signed a contract with Visa that they can't break. XXXX was no help to me, he suggested that I open a claim with Visa. I told XXXX XXXX to get those fraudulent cards off of the shelves so other customers won't get into that same problem but he replied that it's above his power to get them off.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
In XXXX of XXXX  My pay was garnished for the amount due by the Credit Card XXXX Account was paid in full by end of XX/XX/year>. 
The Company Midland Credit is still reporting my account as delinquent on my credit report which is affecting my score. I have since reported and attempted to dispute and no resolve. I have the court documents and garnishment to prove payment in full

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
i am a victim of id theft. ive never open this account with BOA

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 2024-11-03 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX has not provided any information to verify this account belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally request validation and verification of a debt. Under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request verification of the alleged debt within 30 days of receiving your initial notice. Additionally, I am disputing the debt under 15 U.S.C. 1681 of the Fair Credit Reporting Act ( FCRA ) to ensure that any unverifiable information is not reported to credit bureaus. 

I request that you provide documentation to substantiate the validity of this debt and confirm your authority to collect on it. Specifically, I request the following : 1. Proof of Debt Validity : Please provide an itemized statement showing the principal, interest, fees, and other charges that constitute the amount owed.

2. Legal Right to Collect : Documentation demonstrating that [ Debt Collectors Name ] has the legal authority to collect on this debt, which includes any purchase agreements and assignment contracts that link this debt to your organization.

3. Original Creditor Information : The name and address of the original creditor, along with any associated account numbers or identifiers, to verify that this debt is accurate and that you are legally entitled to pursue its collection. 

Until this information is provided, please consider this letter a formal dispute of the debt, and cease all collection activity, including any reporting to credit bureaus, until verification is complete. 

Thank you for your attention to this matter. Please send all correspondence regarding this request to the address listed above. 

Sincerely, XXXX 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 2024-11-03 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX Date : XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax Information Services LLC, RE : Cease and Desist of All Communications Regarding Accounts Listed Below I am formally requesting that Equifax Information Services LLC immediately cease all forms of communication with me regarding the alleged debts associated with the accounts listed below. This request is made pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), which grants me the right to demand that a debt collector or creditor stop contacting me regarding an alleged debt. 

The accounts associated with this request are as follows : XXXX XXXX XXXX Account ending in XXXX XXXX XXXX XXXX  XXXX, XXXX  Account ending in XXXX XXXX XXXX XXXX XXXX Account ending in XXXX XXXX XXXX XXXX XXXX Account ending in XXXX Child Support Account ending in XXXX XXXX XXXX XXXX XXXX Account ending in XXXX XXXX XXXX XXXX  XXXX Account ending in XXXX This request applies to all forms of communication, including phone calls, text messages, emails, and postal mail. Additionally, I request that my personal information not be shared with any third parties without my written consent. 

If you believe any of the listed debts to be valid, I demand full verification of each debt under 15 U.S.C. 1692g ( b ). Until such verification is provided, any further contact or attempts to collect on the alleged debts will be deemed a violation of the FDCPA. 

Failure to comply with this cease and desist request may result in my pursuit of all legal remedies available to me under the law, including complaints to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

Please confirm in writing within 10 business days that you have received this letter and that all communication will cease as requested. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 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: CA

Complaint narrative:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXXXXXX Balance Owed : {$35000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: FL

Complaint narrative:
ASSETCARE LLC and XXXX XXXX  have made numerous amounts of debts on my credit. I have had to dispute them time and time again. It's getting to the point that I don't know if someone is stealing my identity or if they are doing it on purpose. Every time I dispute it another pops up from them. I don't know where they are coming from. I wish it could just stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-03 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: LA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX  XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX  XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 2024-11-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Below I have listed 4 UNAUTHORIZED Hard Inquires Listed on my EQUIFAX Credit Report from the following auto financial banks.

I have filed a report with FTC attached below to back evidence of authorized use of my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief