vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

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. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2024-12-09 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: LA

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2024-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Prosper Marketplace, Inc.
State: RI

Complaint narrative:
So I had just opened the card earlier this year or the ending of last year and havent used it so sometime in XXXX- XXXX I called to see what my limit was and they said I had a current balance of {$1200.00} and it was shocking because I have t used it I called to make a compliant and filing fraud I even spoke to the merchant where the card was used and they cant pull up a transaction because it was never used I have proof of that conversation but prosper keeps saying Im still at fault I havent used the card so I shouldnt be held responsible for using a card I didnt even use

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 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
I am filing this complaint against FIRST FEDERAL CREDIT C ( Account Number XXXX ) due to their failure to validate the accuracy of the information they are furnishing to the credit bureaus. Despite sending nine dispute letters requesting validation, they have not provided any proof or documentation showing how they verified the account details. Their actions violate my rights under the Fair Credit Reporting Act ( FCRA ). 

Specific Errors and Violations : Failure to Validate the Account : Under Section 623 ( a ) ( 8 ) of the FCRA, furnishers are required to investigate and provide accurate information when a consumer disputes an account. Despite my multiple requests, FIRST FEDERAL CREDIT C has not provided any verification of the debt or supporting documentation.

This lack of validation means the account should not continue to be reported, yet it remains on my credit reports with conflicting statuses. 
Inconsistent and Inaccurate Reporting : XXXX reports the account as Deleted with a balance of {$510.00}. 
XXXX reports the account as In Dispute with a balance of {$510.00}. 
XXXX does not report the account at all. 
These inconsistencies indicate that the information provided by FIRST FEDERAL CREDIT C is not being furnished accurately across all credit bureaus, violating Section 623 ( a ) ( 1 ) of the FCRA, which requires furnishers to report accurate information.

Failure to Conduct a Proper Investigation : Under Section 623 ( b ) of the FCRA, when a dispute is submitted, the creditor is required to conduct a reasonable investigation. The failure of FIRST FEDERAL CREDIT C to respond to my disputes with any meaningful validation demonstrates their failure to fulfill this obligation.

Continued Reporting of an Unverified Debt : Because the creditor has not verified the debt, continuing to report it violates my rights under the FCRA. If a furnisher can not verify the accuracy of the information, they are required to stop reporting it. 
Requested Resolution : I request that the CFPB take action to ensure that FIRST FEDERAL CREDIT C : Provides full validation of the debt, including original documentation proving the accuracy of the account. 
Ceases reporting this account to the credit bureaus if they can not provide proper verification. 
Corrects any inaccurate information or removes the account entirely from my credit reports. 
Their failure to validate and the continued inaccurate reporting are clear violations of my rights under the FCRA. Immediate action is necessary to prevent further damage to my credit profile.

Thank you for your assistance with this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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: LA

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2024-12-09 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XX/XX/XXXX XX/XX/XXXX Dispute Department Attn : Experian. Dispute Department. 

XXXX XXXX XXXXXXXX. 

XXXX, TX XXXX Subject : Request for Verification and Removal of Unverified Negative Entries Dear Dispute Department, I am writing under the provisions of the Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( 1 ) ( A ), to formally dispute the accuracy of certain information listed on my credit report. As mandated by federal law, I request that you provide physical verification of the original signed documents for the accounts listed below. If such verification can not be provided, the FCRA requires that these entries be removed from my credit report. 



Account Number ( s ) and Details : XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX Business Type : Bank Credit Cards // - Dont recognize this account Please be advised that the inability to verify these accounts may negatively impact my creditworthiness and financial opportunities. Therefore, in compliance with the FCRA, I expect any unverified accounts to be promptly removed. 

Furthermore, I wish to inform you that I have formally opted out of any arbitration clauses, reserving my right to seek legal action if necessary. 

I anticipate that you will undertake a thorough investigation of these matters and provide me with an updated credit report within 30 days, confirming the removal of any unverified information. 



Thank you for your attention to this matter. I look forward to your prompt compliance with these requests. 

Sincerely, 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 2024-12-09 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: MO

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. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Eastern Account Systems Inc. 
XXXX XXXX XXXX XXXX XXXX CT XXXX Subject : Request for Arbitration Regarding Failure to Validate Debt To Whom It May Concern, I am writing regarding your attempts to collect an alleged debt ( Account Number : XXXX ). Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I exercised my right to request debt validation by sending you a formal written request on XX/XX/XXXX, which you responded on XX/XX/XXXX. 

Under the FDCPA ( 15 U.S.C. 1692g ( b ) ), a debt collector must cease collection activities until the requested validation is provided. However, despite my valid request, you have failed to provide sufficient validation of the alleged debt. Specifically, you did not provide documentation to substantiate the legitimacy, ownership, and amount of the debt as required by law.

Your continued attempts to collect the alleged debt without proper validation are a direct violation of my consumer rights under federal law. These actions have caused me unnecessary stress, confusion, and frustration.

Given your failure to comply with the legal requirements to validate the alleged debt, I am formally requesting arbitration to resolve this matter. Please provide me with a copy of your arbitration agreement, as well as details on how to initiate the arbitration process.

Additionally, I demand that all collection activities cease immediately until proper validation of the alleged debt is provided and this dispute is resolved. Please send all future correspondence related to this matter in writing to the address listed above.

If I do not receive a satisfactory response within 15 days, I will have no choice but to escalate this matter by filing complaints with the Federal Trade Commission ( FTC ), and my states Attorney Generals office. 

I hope we can resolve this matter through arbitration in a professional and timely manner. 

Sincerely, XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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:
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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2024-12-09 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:
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 XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XX/XX/year> XXXX XX/XX/year> XXXXXXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Subject : Debt Validation Request for Commercial Auto Loan Account - Personal Guarantor Account # XXXX To whom it may concern, I am writing to formally request validation of the debt associated with the commercial loan XXXX, for which I am the personal guarantor. As the guarantor, it is crucial for me to ensure the accuracy and legitimacy of the debt I am being asked to satisfy. I hereby request debt validation in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

I kindly request that you provide me with the following information : XXXX. Verification of the existence of the debt and the amount owed, including a breakdown of principal, interest, and any other charges. 
XXXX. Detailed documentation outlining the loan agreement, including the terms and conditions, interest rate, repayment schedule, and any relevant amendments or modifications. 
XXXX. Proof of your authority to collect this debt, including any assignments or transfers of the loan. 
XXXX. Verification that the statute of limitations for collecting this debt has not expired. 
XXXX. Copies of any statements or records pertaining to the account, including loan statements, payment history, and any correspondence related to the loan. 

I want to emphasize that until sufficient validation of the debt is provided, I dispute its validity. According to the FDCPA, you are obligated to provide the requested information within XXXX days of receiving this letter. Failure to validate the debt will lead me to assume that the debt is not valid, and I will take appropriate actions to protect my rights. 

Furthermore, I kindly request that you halt any collection efforts until the debt has been properly validated. This includes any attempts at communication, whether by phone, mail, or any other means. 

I am hopeful that we can resolve this matter amicably and address any potential misunderstandings. Therefore, I kindly ask for your cooperation in providing the requested documentation within the specified time frame. Please send all correspondence to the address listed above. 

Thank you for your prompt attention to this matter. I anticipate receiving the requested information and resolving this issue in a timely manner. 

Sincerely, XXXX XXXX Representative

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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: MI

Complaint narrative:
RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by Your agency. Your agency has violated my consumer rights and violated federal law. This is now multiple attempts to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 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:
I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed XXXX system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the XXXX system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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: NY

Complaint narrative:
I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed XXXX system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the XXXX system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXXXXXX XXXX XXXXXXXX

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