vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-15 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: NY

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately.it is saying had one late payment on an account that i in fact paid on time.The consumer reporting agencies need to report all information with complete accuracy.this account has not been late on payments ive attached a copy of my most recent credit report to this complaint on the following dates it was reporting late on experian XX/XX/year>, XXXX deleted the account from my credit profile do to the inaccurately reporting it was reporting late in XX/XX/year>, XXXX is reporting late in XXXX XXXXI was in fact on time during XXXX XXXX  and XXXX XXXXThe consumer reporting agencies need to report all information with complete accuracy.this account has not been late on payments I've attached a copy of my report to this complaint and proof of the XXXX deletion.Im now requesting you investigate and provide verifiable proof with records showing that i had late payments.If this information connot be verified I demand this account be deleted from my credit profile as XXXX removed it or updated to paid on time immediately.Thank you for your understanding and prompt action.Account name : XXXX XXXX Account 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 2024-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Old card from Bank of America expired and another card was issued but to the wrong ( old ) address. When I request the card to be send to my current address they sent a new one with a number different from before.

The different number is not a problem but now every transaction gets blocked by fraud department. I've contacted the bank three times, they unlock it but it locks again at the next transaction. 
When I try to contact the bank they keep doing the same process over and over again but it doesn't solve the problem. The last time I contacted them ( today at XXXXXXXX XXXX ) I told the operator the previous guy did exactly the same thing and he said that there's really nothing much else they can do. 
I tried to find a different channel to address this issue but couldn't find one on the website. 
I'm complaining here so that the complaint can get to the correct department to solve the issue ; the regular phone doesn't work and the operator also can't provide more information than the one already available to 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 non-monetary relief
Consumer complaint received 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I want to formally dispute the fraudulent information on my credit report. Upon reviewing my report, I discovered accounts that do not belong to me and are results of identity theft. These fraudulent accounts have already been removed from the records of other credit bureaus, indicating an inconsistency in your reporting. I contacted the bank associated with these accounts via phone call, and they have confirmed that the accounts were fraudulent and have removed them from their records. Despite this, the accounts remain on my credit report with your bureau. The presence of these fraudulent accounts negatively impacts my credit history and could have serious consequences for my financial future. So please DELETE the accounts listed below : XXXX XXXX XXXX & XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 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:
I just recently looked at my credit report XX/XX/2024. I saw some I hard a close account witch was pay n full n promise by the XXXX XXXX that it would be removed not have permissible purpose. I also attached evidence 1. [ XXXX XXXX  ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 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 2024-04-15 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: NY

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately.it is saying had one late payment on an account that i in fact paid on time.The consumer reporting agencies need to report all information with complete accuracy.this account has not been late on payments ive attached a copy of my most recent credit report to this complaint on the following dates it was reporting late on XXXX XX/XX/2022, XXXX deleted the account from my credit profile do to the inaccurately reporting it was reporting late in XX/XX/2022, Equifax is reporting late in XXXX XXXX.I was in fact on time during XXXX XXXX  and XXXX XXXXThe consumer reporting agencies need to report all information with complete accuracy.this account has not been late on payments I've attached a copy of my report to this complaint and proof of the XXXX deletion.Im now requesting you investigate and provide verifiable proof with records showing that i had late payments.If this information connot be verified I demand this account be deleted from my credit profile as XXXX removed it or updated to paid on time immediately.Thank you for your understanding and prompt action.Account name : XXXX XXXX Account Number:XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: FL

Complaint narrative:
Subject : Dispute of Debt Collection Account, Reference No : XXXX I have attempted to dispute the validity of the debt you claim I owe, which is referenced above. According to my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically under 15 USC 1692ce, I am requesting validation of this debt.

I dispute the following aspects of the debt : Accuracy of Information : I have no record of owing any debt to the creditor as stated in your collection notice. Therefore, I request detailed information about the origin and nature of this debt, including the original creditor 's name and contact information, the original account number, the dates of the alleged debt, and a breakdown of any fees or interest charges applied. 

Verification of Debt : Under the FDCPA, I am entitled to verification of this debt. Please provide documentation that substantiates your claim, including copies of the original agreement with the creditor, any contracts or invoices, a complete payment history, and proof of ownership and legally allowed to collect on this debt in my state.

Cease Communication Request : As provided by 15 USC 1692ce, I am formally requesting that you cease all communication with me regarding this debt, except as allowed by law, until you have provided the requested validation. Further communication in violation of this provision will be considered harassment and a violation of federal law.

Please note that failure to provide the requested validation within 30 days has resulted in a formal complaint being filed with the Consumer Financial Protection Bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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: LCI Acquisition Inc.
State: AL

Complaint narrative:
XXXX.. I Requested a full investigation of my Public Record Bankruptcy to include contacting the Federal Agency ( original furnisher ; not XXXX  ) and provide to me certified documents provided from a professional at the Federal Agency ( original source ) of all information reporting. Instead of doing so. XXXX closed my initial investigation request ( on XX/XX/24 ) WITHOUT providing me any documents Certified by a Professional ( employee ) at the Federal Agency ( Court ). XXXX.. I initiated a Second Request for a full investigation of my Public Record Bankruptcy to include contacting the Federal Agency ( original furnisher ; not XXXX  ) and provide to me certified documents provided from a professional at the Federal Agency ( original source ) of all information reporting. XX/XX/24 ... I received an email abruptly closing my request with XXXX FALSELY stating that I cancelled closed the investigation ( **SEE ATTACHMENTS PROVIDED TO INCLUDE STATEMENT ON CANCELLATION ). The agency is also selecting " Reason For Investigation/Dispute '' other than what is relayed over the phone... For example... Selection of " This Account Does Not Belong To Me '' instead of the true nature of the investigation,. XX/XX/24 ... I attempted to review my XXXX credit file and the company has locked me out... stating I needed to verify my email address. I clicked the Verify Email Address icon... was sent a verification email..clicked on the appropriate link only to see a message stating the link had expired ... .I attempted this ( 3 ) times without delay in clicking any links but have been locked out and prevented from viewing my report. I did advise XXXX I would report their illegal way of handling my Public Record full investigation request. 

Lundquist Consulting , IncXXXX may be XXXX 's data furnisher and should also have been a part of this full investigation request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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: TN

Complaint narrative:
Recent check my credit report notice I have fraudulent information on my credit report.Please remove this account from report it is hurting my ability to obtain credit.

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 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: MS

Complaint narrative:
My disputes are with XXXX predatory collection companies. 

XXXX XXXX  XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX Pl XXXX, SC XXXX Jefferson Capital Systems XXXX XXXX XXXX XXXX XXXX, MN XXXX and XXXX XXXX  XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX is reporting XXXX accounts ( {$2900.00}, {$2500.00}, {$1200.00}, {$3000.00}, {$1000.00} and {$4500.00} ) XXXX XXXX XXXX is reporting XXXX accounts ( {$2000.00}, {$2200.00} and {$970.00} ) Jefferson Capital Systems is reporting XXXX account for {$1500.00} Lastly, XXXX XXXX is reporting XXXX account for {$970.00}. 

Each one of these Collections companies has violated FCRA 609 ( a ) by failing to provide me with FULL and COMPLETE files on all listed collection amounts. Furthermore, after being denied this information, and per my request to cease and desist they violated FCRA 605 ( b ).

Each and every one of these companies have also violated 15 USC 1681 by violation of my Rights to privacy as well as reporting misinformation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
My disputes are with XXXX predatory collection companies. 

XXXX XXXX XXXX XXXX XXXX, TN XXXX LVNV Funding LLC XXXX XXXX Pl XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX and XXXX Collections XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX is reporting XXXX accounts ( {$2900.00}, {$2500.00}, {$1200.00}, {$3000.00}, {$1000.00} and {$4500.00} ) LVNV Funding LLC is reporting XXXX accounts ( {$2000.00}, {$2200.00} and {$970.00} ) XXXX XXXX XXXX is reporting XXXX account for {$1500.00} Lastly, XXXXXXXX XXXX is reporting XXXX account for {$970.00}. 

Each one of these Collections companies has violated FCRA 609 ( a ) by failing to provide me with FULL and COMPLETE files on all listed collection amounts. Furthermore, after being denied this information, and per my request to cease and desist they violated FCRA 605 ( b ).

Each and every one of these companies have also violated 15 USC 1681 by violation of my Rights to privacy as well as reporting misinformation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 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: AL

Complaint narrative:
I have took a look at my credit report recently and I'm honestly furious seeing my credit report reporting inaccurate information against me. I see inquiries that I did not authorize. According to 15 U.S. Code 1681c2, a consumer reporting agency shall block the reporting of information that results from an alleged identity theft. This is a form of identity theft. 

The following inquiries I did not authorize : XXXX and TransUnion : 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 non-monetary relief
Consumer complaint received 2024-04-15 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your Company notice pursuant to 15 USC 1602 ( k ) that your Company failed to provide adequate notice, as required by law, which clearly and conspicuously mentions the pertinent facts of this transaction. Your Company didnt even inform me about the Cost of Credit, and the only evidence of the indebtedness provided was just a computer-generated agreement.

According to 15 USC 1802 ( K ), the term " adequate notice '' means a printed notice to me that sets forth the pertinent facts clearly and conspicuously, ensuring that a person could reasonably be expected to have noticed it and understood its meaning. Such notice could have been given to me by printing the notice on each periodic statement of account issued to me, or by any other means reasonably assuring the receipt thereof by the account holder.

Since adequate notice was not provided as per the above-mentioned section, I was unable to understand its meaning, constituting a violation under 15 USC 1602 ( k ).

Furthermore, pursuant to 15 USC 1601 ( a ), a consumer must be aware of the cost of the transaction. Since I was not made aware of the transaction, I made an uninformed decision which resulted in multiple billing errors and unfair credit card practices. 
As per 15 USC 1602 ( p ), I have not benefited from this transaction, which is again a violation. The term " unauthorized use '' as defined by 15 USC 1602 ( p ), refers to a use of an account by a person other than the account holder who does not have actual, implied, or apparent authority for such use and from which the consumer receives no benefit. 
I hereby request the following : DELETE THESE ACCOUNTS OFF MY REPORT AND VALIDATE THE DEBT USING 15 USC 1692G ( 4 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LVNVFUNDG XXXX XXXX XXXX XXXX XXXX XXXX  ALSO UPDATE THE LATE PAYMENTS FOR DPEDXXXX XXXX XXXX  TO PAID ON TIME If you accept my request, I will not escalate this matter to Federal Court. However, if you do not accept the above requests, legal action shall be taken against your Company for compensatory damages. 
Thank you for your attention to this matter. 

Sincerely, : XXXX XXXX XXXX. 

All Rights Reserved Without Prejudice UCC 1-308

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your Company notice pursuant to 15 USC 1602 ( k ) that your Company failed to provide adequate notice, as required by law, which clearly and conspicuously mentions the pertinent facts of this transaction. Your Company didnt even inform me about the Cost of Credit, and the only evidence of the indebtedness provided was just a computer-generated agreement.

According to 15 USC 1802 ( K ), the term " adequate notice '' means a printed notice to me that sets forth the pertinent facts clearly and conspicuously, ensuring that a person could reasonably be expected to have noticed it and understood its meaning. Such notice could have been given to me by printing the notice on each periodic statement of account issued to me, or by any other means reasonably assuring the receipt thereof by the account holder.

Since adequate notice was not provided as per the above-mentioned section, I was unable to understand its meaning, constituting a violation under 15 USC 1602 ( k ).

Furthermore, pursuant to 15 USC 1601 ( a ), a consumer must be aware of the cost of the transaction. Since I was not made aware of the transaction, I made an uninformed decision which resulted in multiple billing errors and unfair credit card practices.

As per 15 USC 1602 ( p ), I have not benefited from this transaction, which is again a violation. The term " unauthorized use '' as defined by 15 USC 1602 ( p ), refers to a use of an account by a person other than the account holder who does not have actual, implied, or apparent authority for such use and from which the consumer receives no benefit.

I hereby request the following : DELETE THESE ACCOUNTS OFF MY REPORT AND VALIDATE THE DEBT USING 15 USC 1692G ( 4 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ALSO UPDATE THE LATE PAYMENTS FOR DPEDXXXX XXXX XXXX  TO PAID ON TIME If you accept my request, I will not escalate this matter to Federal Court. However, if you do not accept the above requests, legal action shall be taken against your Company for compensatory damages. 
Thank you for your attention to this matter. 

Sincerely, : XXXX XXXX XXXX. 

All Rights Reserved Without Prejudice UCC 1-308

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Macys customer department is garbage. I have received XXXX reference letters to unrestrict my card and now want to tell me to wait for more. This is 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 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion, XXXX, & XXXX continue to report incorrect information on my consumer file. They are several name variations and address that dont belong to me and causing problems with my identity when I apply for credit. My name is XXXX XXXX there should be no other name variations on my consumer report, my only address is any other address is not mine and I do not live there or receive any mailings XXXX XXXX  XXXX XXXX XXXX FL XXXX. Under Federal law you are required to report accurate information this is a violation of my rights.

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 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. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2024-04-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Iam trying to buy a house and this is damaging my credit. According to 15 U.S.C. 1681 it should not be damaging my credit. I would like to remove because I did not run my credit through that company and I see so many of the capital one hard inquiries. I only did one capital one inquiry and I see so many that they have run it. Need all capital one remove please.

Company response to consumer: Closed with non-monetary relief