vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-14 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:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Date Open : XXXX XXXX, XXXX Balance : XXXX XXXX  Charge Off XXXX XXXX XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : XXXX XXXXXXXX Late/ Closed XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ccount # XXXX Date Open : XX/XX/XXXX Balance : XXXX XXXXXXXX Collection XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account # XXXX Date Open : XX/XX/XXXX Balance : XXXX XXXXXXXX Collection XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) Account Number XXXX Date Opened XX/XX/XXXX Balance : XXXX XXXX Collection Inquiry included in dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX Date Open : XX/XX/XXXX Balance : {$330.00} - Late/ Open XXXX XXXX Account # XXXX Date Open : XXXX XXXX, XXXX Balance : {$150.00} - Late/ Open XXXX XXXX XXXX  Account # XXXX Date Open : XX/XX/XXXX Balance : {$260.00} - Late/ Open XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : XXXX XXXXXXXX Late/ Open XXXX XXXX XXXX XXXXXXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$270.00} Late/Open XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$60.00} Late/Open

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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 explanation
Consumer complaint received 2024-12-14 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: AZ

Complaint narrative:
i am a victim of XXXX XXXX and someone has used my personal information to sucure credit cards and auto loans using my personal information. and also there are many fraudulant address on file that do not belong to me and XXXX is violating my rights by reporting these fraudulant address when i keep caaling them asking them to please remove the address but is refusing to do so! .there are also fruadulant accounts opened in my name due to XXXX XXXX. 
fraudulant address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-12-14 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: AZ

Complaint narrative:
i am a victim of XXXX XXXX and someone has used my personal information to sucure credit cards and auto loans using my personal information. and also there are many fraudulant address on file that do not belong to me and experian is violating my rights by reporting these fraudulant address when i keep caaling them asking them to please remove the address but is refusing to do so! .there are also fruadulant accounts opened in my name due to XXXX XXXX. 
fraudulant address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: GA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Date Open : XXXX XXXX, XXXX Balance : XXXX XXXXXXXX Charge Off XXXX XXXX XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : XXXX  XXXX Late/ Closed XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : XXXX XXXX Late/ Closed XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) Account # XXXX Date Open : XX/XX/XXXX Balance : XXXX XXXXXXXX Collection XXXX XXXX ( Original Creditor : XXXX XXXX  ) Account Number XXXX Date Opened XX/XX/XXXX Balance : XXXX XXXXXXXX Collection Inquiries included in dispute : XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX Late/Open Accounts NOT Included in Dispute : XXXX XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$270.00} Late/Open XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$60.00} Late/Open XXXX XXXXXXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$330.00} - Late/ Open XXXX  XXXX Account # XXXX Date Open : XXXX XXXX, XXXX Balance : {$150.00} - Late/ Open XXXX XXXX XXXX  Account # XXXX Date Open : XX/XX/XXXX Balance : {$280.00} - Late/ Open XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : XXXX XXXXXXXX Late/ Open

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 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXX account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXX account number : 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 2024-12-14 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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 2024-12-14 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: PA

Complaint narrative:
I recently looked at my credit report on XX/XX/XXXX. I recognized that there were some hard inquiries that did not have permissible purpose from XXXX posted by TransUnion. 

XXXX. XXXX XXXX from XXXX XXXX, XXXX : This inquiry has no permissible purpose to be on my report. I ask that you DELETE this inquiry due to violation 15 USC 1681b. 

XXXX. XXXX XXXX from XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. I ask that you DELETE this inquiry due to violation 15 USC 1681b. 

XXXX. XXXX  from XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. I ask that you DELETE this inquiry due to violation XXXX XXXX XXXX. 

XXXX. XXXX XXXX XXXX from XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. I ask that you DELETE this inquiry due to violation 15 USC 1681b. 

XXXX. XXXX XXXX from XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. I ask that you DELETE this inquiry due to violation 15 USC 1681b. 

XXXX. XXXX from XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. I ask that you DELETE this inquiry due to violation 15 USC 1681b.

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 2024-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Started supposedly a new job back in XXXX of last year, but resulted to be a scam, try to get my money back. The scammers asked for more money, stop sending my savings with at the moment i lost, trying to see if i can get help but it has been hopeless case. Lost more {$14000.00} dollars that had back then in my savings and checking accounts with bank of America and 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 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
Its clear as per complaint XXXX with the CFPB my account was closed in retaliation. You guys even said yourself my account was to be reviewed over 2 months before its closure and wasn't due to " error '' even though I made MANY attempts to get updates and to escalate the issue. I paid my bill in whole every month XXXX issues besides PROVEN and agreed upon fraud disputes. I then removed my XXXX  and used my XXXX XXXX until it was closed by you with XXXX warning and prior to the restrictions. Now I ask for more details it's " classified '' information but if I get another card I can't even use it without fear of an unexpected closure for XXXX reason..would n't it be right to atleadt tell someone their " violations '' so it's not repeated. I was due justly monetary relief and to evade those cost you guys closed my account. I will take this to court I have contacted the treasury and general attorney and this is my last attempt for you to make things right. 

Violations : THE DOCTRINE XXXX ( XXXX  ) XXXX XXXX XXXX. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS PURSUANT TO 18 USC 8, L OWE NO DEBT. XXXX XXXX IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681-B2 COMPANY HAS NO PERMISSION PROORT Y IFORMAAIPMPER 15 USC 160468 A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS. Pursuant to 15 USC 1666b 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. NONE OF THIS WAS LAWFULLY DONE.

If these laws don't apply to you and if my claims are incorrect please detail how and back your claims with LAW not company policy or I will send an Affidavit of notice to file suit for deformation due to the status of a perfect account now reflecting negitive as " closed by company ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
Its clear as per complaint XXXX with the CFPB my account was closed in retaliation. You guys even said yourself my account was to be reviewed over 2 months before its closure and wasn't due to " error '' even though I made MANY attempts to get updates and to escalate the issue. I paid my bill in whole every month XXXX issues besides PROVEN and agreed upon fraud disputes. I then removed my AU and used my cars up until it was closed by you with XXXX warning and prior to the restrictions. Now I ask for more details it's " classified '' information but if I get another card I can't even use it without fear of an unexpected closure for XXXX reason..would n't it be right to atleadt tell someone their " violations '' so it's not repeated. I was due justly monetary relief and to evade those cost you guys closed my account. I will take this to court I have contacted the treasury and general attorney and this is my last attempt for you to make things right. 

Violations : THE DOCTRINE XXXX ( XXXX  ) XXXX XXXX XXXX. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS PURSUANT TO 18 USC 8, L OWE NO DEBT. XXXX XXXXXXXX  IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681-B2 COMPANY HAS NO PERMISSION XXXX XXXX XXXX 15 USC 160468 A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS. Pursuant to 15 USC 1666b 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. NONE OF THIS WAS LAWFULLY DONE.

If these laws don't apply to you and if my claims are incorrect please detail how and back your claims with LAW not company policy or I will send an Affidavit of notice to file suit for deformation due to the status of a perfect account now reflecting negitive as " closed by company ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Resurgent Receivables LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX Subject : Follow-Up Dispute of Collection Account Request for Method of Verification To Whom It May Concern, I am following up on my previous dispute regarding the collection account listed on my credit report under the account # XXXX. In my initial dispute, I requested the removal of this account due to the collection agency 's failure to provide debt validation.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method used to verify the accuracy of this collection account. Specifically, I am requesting : 1. The method used to verify the accuracy of this collection account.

2. The name and contact information of the person or entity that provided the verification.

3. Copies of any documents or records used in the reinvestigation process.

As the collection agency did not provide validation, the continued presence of this account on my credit report is both inaccurate and non-compliant with the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ).

Please provide the requested information and update my credit report accordingly. If the information can not be verified, this collection account must be removed from my credit file as required by FCRA 611 ( a ) ( 5 ) ( A ).

Thank you for your prompt attention to this matter. I expect a response within the 30-day period allowed by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: MI

Complaint narrative:
Late payments XXXX XXXX Account number Date opened XXXX. XXXX, XXXX Late payment XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Per 15 usc 1681a 2 a ( i ), it is illegal for a consumer reporting agency to report a consumers experiences and transactions ; payment history, these " late payments '' must be removed and this account updated immediately Per 15 usc 1681a 2 a ( I ) XXXX a " consumer reporting Angency '' can not legally report consumer transactions and experiences the late payments on This account must be updated & removed from my consumer report. 15 usc 1681a 2 a ( i ) states that my transactions and experiences should not be a part of my consumer report. This account breaks the law and violates my right legally it must be updated and removed. Immediately 15 usc 1681a 2 a ( i ) 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Per 15 USC 1666 ( 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. The following accounts have been reflecting late payments onto my consumer report, which is a violation of my consumer rights. No interaction between a creditor and a consumer maybe communicated without my written permission and I do not give the following accounts or companies any permission to report these late payments please update and remove these late payments from my consumer 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