vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-23 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:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: LA

Complaint narrative:
Consumer Name XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth XX/XX/XXXX Contents of Complaint : 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. This fraudulent, inaccurate, and false information consists of a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a student loan account opened at XXXX on XX/XX/XXXX under the account number XXXX, an credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud

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 2025-01-23 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: McCarthy, Burgess & Wolff, Inc.
State: AZ

Complaint narrative:
I have tried multiple attempts to try and get this debt validated. I have sent multiple letters to get debt validated and no one has responded. sent letter on XX/XX/XXXX " XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX Collections XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Originally sent to XXXX, XXXX XXXX XXXX XXXX XXXX on XXXX Sent via email to XXXX. I have attached the original letter. Re : Account Number XXXX This letter is regrading the account listed above, which you claim is a collection that I have with your company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is a formal notice that your collection claim is being disputed, per the Fair Debt Collection Practices Act. I am requesting validation not verification of said debt, I also request a copy of the ORIGINAL PURCHASE AGREEMENT. Agreement must be with the original creditor and signed by all parties involved. I am requesting this because I have had different companies reach out to me about this same alleged debt. Per the Fair Debt Collection Practices Act. Please note that I am asking " validation that is competent evidence bearing my signature, showing that I have or ever had some contractual obligation to pay you Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you send or submit. You are to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : 1. Defamation 2. Negligent Enablement of Identity Fraud. 3. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act. You will have to appear in a court venue local to me, since you are clearly doing business in my area. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to correct your records, and any information or communication received from you, or any third party will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. Sincerely, XXXX XXXX '' I have also sent letters on XX/XX/XXXX and XX/XX/XXXX I have attached these letter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: FL

Complaint narrative:
Subject : Complaint Regarding Inadequate Investigation into Credit Reporting Violation of FCRA ( 15 USC 1681 ) To Whom It May Concern, I am filing this complaint regarding Transunions investigation into inaccuracies on my credit report. I believe their actions are in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681, Section 602 ( a ), which mandates that consumer reporting agencies ( CRAs ) act fairly, impartially, and with respect for consumer privacy when fulfilling their responsibilities.

Explanation of the Issue Failure to Conduct a Fair Investigation : Transunion failed to investigate disputed information thoroughly, relied solely on automated processes, and did not provide adequate documentation supporting their findings. This lack of due diligence undermines the FCRAs purpose of promoting accuracy and fairness in consumer credit reporting. 
Violation of Privacy Obligations : The FCRA requires CRAs to respect the privacy of consumers. 
The furnishing financial institution has disclosed late payment information to unauthorized parties or failed to protect such data from unauthorized access. 
The furnishing financial institution has not informed me of my right to opt out of sharing my personal information with nonaffiliated third parties. 
Inaccuracies in Credit Reporting : Transunions failure to ensure the accuracy and validity of the disputed debts and accounts has caused significant harm. These ongoing reporting errors have resulted in consequences such as denial of credit, higher interest rates, and damage to my personal and financial reputation.

Legal Basis Provisions of the FCRA Violated : 15 USC 1681c ( a ) ( 5 ) : This section states that no consumer reporting agency may make any consumer report containing adverse information ( other than records of convictions of crimes ) that antedates the report by more than seven years. Additionally, a CRA can not furnish an account without my written instructions.

15 USC 1681s-2 ( A ) ( 1 ) : This section prohibits a person from furnishing any information relating to a consumer to a CRA if they know or have reasonable cause to believe the information is inaccurate.

Other Privacy Protections Violated : 15 USC 6801 : Requires financial institutions to protect nonpublic personal information and respect customer privacy.

15 USC 6802 ( b ) and ( c ) : Obligate financial institutions to provide clear options for consumers to exercise their nondisclosure rights.

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 2025-01-23 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: OR

Complaint narrative:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to this matter.

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 2025-01-23 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: IL

Complaint narrative:
I never had a credit card from XXXX XXXXXXXX, never used it or received it and they put a hard inquiry on my equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: NJ

Complaint narrative:
I have complained about incorrect information on my credit report. When I reached out to the bureau, I was instructed to get a new social security number. IT IS NOT THAT SIMPLE TO GET A NEW SOCIAL SECURITY NUMBER. I have provided proof that I am a twin and that his information is showing under my report. Nothing was done and since had impacted my life tremendously!

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 2025-01-23 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: NY

Complaint narrative:
MY NAME AND INFORMATION HAVE BEEN IN YOUR DATA BREECH PLEASE DELETE EVERY ACCOUNT AND EVERY INQUIRY I HAVE SUBMIT DISPUTES FOR EVERY ACCOUNT EXPERIAN FAILED TO INFORM CONSUMERS OF DATA BREECH AND NOT UPDATING SCORES OR INFORMATION ON CREDIT REPORT AS PER THE FCRA AS PER THE PRIVACY ACT OF 1974 AS PER USC 1681 AS PER TILA

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 2025-01-23 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Alorica Inc.
State: TX

Complaint narrative:
XXXX sold my account to a company called SST and changed the service agreement of the account without my consent. This information is not accurate and this is fraud committed by SST. I did not agree to this and they are fraudulently reporting on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: NC

Complaint narrative:
The ssn that was attached to my credit was not my correct ssn. Ive filed a dispute to fix it and my ssn was updated but the things I disputed that were on my credit report were still not resolved. I am making this complaint because they are still on my credit report negatively impacting my credit. Despite me trying to resolve the issue directly with the reporting agency, it still remains unresolved. I request immediate investigation and removal of these items that are negatively impacting my credit, as it is incorrect and does not reflect my try credit history.

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 2025-01-23 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: DC

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
I am writing to bring to your attention an error on my credit report that requires immediate investigation. 

After reviewing my credit report, I noticed inaccurate information related to an account with a past due amount of {$15000.00}. According to my records, this account was opened on XXXX XXXX XXXX, which conflicts with the information on my credit report.

I kindly request your assistance in investigating this matter and correcting the inaccurate information on my credit report as soon as possible.Thank you for your prompt attention to this matter. I appreciate your assistance in resolving this issue in a timely manner

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: AZ

Complaint narrative:
On XXXX XXXX XXXX received an email from True Accord on an alleged debt with XXXX XXXX XXXX XXXX XXXX for an unknown debt with XXXX for {$320.00}, indicating I have until XX/XX/scrub>XXXX XXXX XXXX to dispute all or part of this debt and if I do not they will ASSUME THAT OUR INFORMATION IS CORRECT. 

I request that the Debt Collector cease in false attempts on a debt not known or owned by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Recovery Management Solutions LLC
State: OK

Complaint narrative:
I received a call from XXXX which is the XXXX XXXX XXXX XXXX when I answered recording goes sorry I missed you call me at XXXX which is recovery management solutions. This is a collection company using another companies phone number which is illegal! 

These people need to be taken down for this kind of shady business tactics

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I received an email from XXXX XXXX suggesting I check my account, which I did. Upon reviewing my account, I noticed a credit card that is not mine. It is from a company entitled " XXXX The Synchrony Car Care Credit Card. '' The amount shown is {$4300.00} and show as 28 % credit usage with a date of 16 days ago. 

I called the credit card company and spoke with XXXX at ( XXXX ) XXXX and she provided me with a direct number ( XXXX ) XXXX which is not in service. 

I then contacted XXXX XXXX and spoke by Chat with two representatives. Each one disconnected prior to the end of the conversation. 

I forwarded a copy of the information contained on the XXXX XXXX site to 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 2025-01-23 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: CA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a inorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

The accounts Ive marked as inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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