vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-20 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: DE

Complaint narrative:
XXXX XXXX, XXXX : XXXX, XXXX XXXX XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) 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 XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. This account has resulted in several fraudulent XXXX appearing on my consumer XXXX credit report. I do not recognize the aforementioned account, XXXX as reported. The aforementioned account, XXXX, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, XXXX, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( waiting until the draft is approved ) as proof from the XXXX 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 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying computer science, helped me out by finding a way to check if my XXXX  emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear CFPB Representative, I am writing to file a formal complaint regarding unauthorized or fraudulent credit inquiries appearing on my credit report. These inquiries are in violation of my rights under federal consumer protection laws. 

Specifically, 15 U.S.C. 1681b ( f ) of the Fair Credit Reporting Act ( FCRA ) mandates that no consumer reporting agency may furnish a consumer report for any purpose unless the entity requesting the report has a permissible purpose and obtains the consumers authorization. 

Upon reviewing my credit report, I identified the following inquiries that I did not authorize : [ List the inquiries, including the name of the creditor and the date of the inquiry ] These inquiries have negatively impacted my credit score and have been placed on my report without my explicit consent or knowledge. Under the FCRA, credit reporting agencies and entities requesting credit reports are required to ensure that the request complies with lawful standards. 

I respectfully request the CFPBs assistance in investigating this matter and ensuring that the consumer reporting agencies and the entities responsible for these inquiries are held accountable. My ultimate goal is the removal of these unauthorized inquiries from my credit report. 

Please let me know if additional documentation is needed to expedite this resolution. Thank you for your time and support in safeguarding my consumer rights. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. 

Under XXXX XXXX. XXXX, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 

The following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX - XXXX As required by 15 U.S.C. 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report or no longer contains any fraudulent information.

Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children. These collections were eliminated and not verified by others bureaus. I dont understand how they usually say that these accounts are mine. 

I have requested contracts from this company with my information and for more than 60 days have not received any response from them. Please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation.

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 2024-11-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Management Solutions, LLC
State: DC

Complaint narrative:
XXXX XXXX XXXX XX/XX/year> FMS FINANCIAL SOLUTIONS XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Demand for Immediate Removal of Inaccurate Eviction Record from My Credit Report FCRA Violation Failure to Properly Report Eviction Dear FMS FINANCIAL SOLUTIONS, I am writing to formally dispute and demand the immediate removal of an inaccurate eviction record from my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C.

1681. This eviction listing is incorrect, unlawful, and outdated, and it is harming my creditworthiness.

As per my rights under the FCRA, specifically 15 U.S.C. 1681i, you are required to investigate and correct any inaccurate or incomplete information on my credit report within 30 days. I request that you remove this erroneous eviction entry immediately, as it violates the following provisions : Inaccurate Information : The eviction record you are reporting is either erroneous or incomplete.

It is critical that all information listed on my credit report is both accurate and verifiable. If the eviction record can not be verified by the landlord or property manager, it must be removed from my report as a matter of law. 
2. Failure to Provide Complete Verification : Under the FCRA, any information that is not adequately verified or substantiated by documentation must be removed from the credit report. I request you provide detailed proof that this eviction record has been thoroughly verified according to the law, including any signed contracts, eviction judgments, or other relevant documentation.

3. Outdated Information : If this eviction is over seven years old, it is a violation of the FCRAs time limitations. 15 U.S.C. 1681c ( a ) ( 1 ) explicitly prohibits reporting of negative information older than seven years. If the eviction entry falls outside of this window, it must be deleted immediately.

As you are well aware, failure to comply with the FCRA may result in legal action, including but not limited to claims for damages, statutory penalties, and attorney fees under 15 U.S.C.

1681n and 1681o. I have kept records of all relevant communications and documentation regarding this matter, and I will not hesitate to take further action to protect my rights.

Please remove this eviction from my credit report within the legally mandated 30-day investigation period. If you fail to do so, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states attorney generals office. 
Please confirm the removal of this eviction by sending an updated copy of my credit report reflecting the corrections made. 
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 2024-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: U.S. BANCORP
State: CA

Complaint narrative:
Applied for a loan in around XXXX of this year. Found a company that turned out to be a scam. That company managed to get access to my US Bank checking account and therefore to all of my personal information. After doing so they " added '' {$1000.00} into my checking account in the form of provisional credits from US Bank that scamers themselves applied for after gaining access to my bank account. Then the scamers asked me to send {$1000.00} by XXXX to a fake person who was supposedly in charge of my loan 's insurance that i would be required to obtain in case of financial default. As a result those fake but real provisional credits were reversed back by US Bank into real money which overdrawn my account and added {$1000.00} debt that I have to deal with now.

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 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CarMax, Inc.
State: FL

Complaint narrative:
I am writing to dispute an inaccuracy on my credit report concerning an auto loan with CarMax Auto Finance. Upon reviewing my credit profile, I noticed the following discrepancies : Creditor Name : CarMax Auto Finance Account Open Date : XX/XX/year> Reported Balance : {$2400.00} This account was paid in full and should reflect a zero balance, as agreed. Reporting a balance on an account that has been fully satisfied is a violation of the Fair Credit Reporting Act ( FCRA ) under Section 609, which ensures that all items on a credit report must be complete and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I did not approve this inquiry, nor did I have any conversation with this lender on the given date.

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 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
My accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AND XXXX XXXX XXXX XXXX were never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AND XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
You are in violation of 15 USC 1681s- ( 2 ) ( B ) and 15 USC 1681s- ( 2 ) ( E ) Responsibilities of furnishers of information to consumer reporting agencies. A furnisher has a " ( 2 ) Duty to correct and update information '' " A person who ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate '' You have failed to conduct a reasonable investigation within a timely matter and notify me of the results according to 15 USC 1681s ( 2 ) ( E ) Duty of person after receiving notice of dispute. " After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. 

Please see the attached disputes sent over the last few months.

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 2024-11-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
Subject : Formal Dispute Against Portfolio Recovery Associates To Whom It May Concern, I am writing to formally dispute any and all debts allegedly owed to Portfolio Recovery Associates ( hereinafter " XXXX '' ). I hereby revoke all rights of communication from XXXX to me through email, text, phone calls, or any other means, as permitted by law. 

Additionally, I request that XXXX provide the following : A copy of the purchase agreement between XXXX and the original creditor that establishes PRAs legal right to collect the alleged debt. 
Proof that XXXX is licensed and bonded to operate as a collection agency in my state of residence. 
Violations of Federal Law I assert that XXXX has violated my rights as a consumer under federal law. Specifically : Failure to Provide Validation Information : XXXX has failed to provide validation information as required under 12 CFR 1006.34 ( b ) ( 5 ).

Despite this failure, PRA has placed a collection account on my consumer report, infringing on my rights under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). 
Deceptive Practices : XXXX has engaged in false, misleading, and deceptive practices, in violation of XXXX CFR 1006.34 ( d ), by furnishing inaccurate information to consumer reporting agencies without providing the requisite disclosures and validations.

Improper Reporting to Consumer Reporting Agencies : XXXX has no authority to furnish information regarding the alleged account to any consumer reporting agencies without providing all disclosures required by law. Their actions are in clear violation of 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( A ).

Consumer Rights and Enforcement Under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I have a legal right to dispute any alleged debts and demand accurate reporting and disclosures. XXXX has failed to comply with these legal standards, and I request immediate corrective action.

I demand the following : Immediate cessation of all collection activities related to the alleged account until full validation is provided.

Removal of the collection account from all consumer reporting agencies until XXXX furnishes the required documentation and proof of authority. 
Failure to comply with these requests will result in further action, including but not limited to filing complaints with the appropriate regulatory agencies, such as the CFPB and my state Attorney Generals office. 

I trust that this matter will be resolved promptly and professionally. Please provide a written response to my address above within 30 days of receipt of this letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 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: TN

Complaint narrative:
In accordance with the Fair Credt Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, has violated my rights. 1 looked at my XXXX credit report on XX/XX/2024 and noticed some things are Incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report & shall follow reasonable procedures to assure maximum possible accuracy of the information conceming the Individual about whom the report relates according to 15 USC 1681 ( eXb ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in XXXX, ater any reinvestigation under paragraph ( 1 ) of any information disputed And according to 15 USC 1631i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( Ajin generalit, afer any reinvesfigation under paragrach ( 1 ) of any information disputed by a consumet, an bem of the information is found to be inaccurate or incomplese or can not be verfied, the consumer reporting agency shan.- ( promply delete that item of information from the file of the consumer, or modity that tem of information, as appropriate, based on the results of the reinvestigation ; and ( " promptly notty the fumisher of that information that the information has been modfied or deleted from the tie of the consumer and according to 15 USC 16818-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency il the person knows or has reasonable cause to XXXX 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 2024-11-20 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: VA

Complaint narrative:
XXXX XXXX transferred/sold my original debt to XXXX XXXX XXXX a collection agency, in XXXX of XXXX. Even though XXXX XXXX  gave this debt to XXXX XXXX, they continued to report negative information on my credit report to all three credit bureaus, so this account was being reported twice from XXXX until XXXX when it was settled with XXXX XXXX. I disputed this with Equifax, XXXX, and XXXX and all three bureaus stated it came back as a valid account, even though there is proof that XXXX Sold this debt. After I negotiated a pay to delete with XXXX XXXX, XXXX was and is still reporting this account. After XXXX sold my debt to XXXX XXXX, even though by law, they should have stopped reporting it on my credit report once it was sold. They were and still are reporting the account. This is directly affecting my reports in a negative way. I demand XXXX, Equifax, and XXXX delete this account immediately, because reporting on a debt they legally have not owned for three years, is against the fair credit reporting act which governs accurate reporting.

Company response to consumer: Closed with explanation