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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
XXXX XXXX, Last XXXX SSN : ( XXXX ), Date of Birth : ( XXXX ), This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 5 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX, under the account number ( XXXX ), an account opened at XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ), an account opened at XXXX XXXXXXXX XXXX opened XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud.

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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 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  have ALL violated my rights. 15 USC 1681 section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. I also did NOT Authorize these misleading inquiries : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Delete them off my credit report. 
Equifax is failing to do their due diligence and is illegally violating my consumer rights. I would like to sue Equifax for damages and losses along with several other charges!

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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: GVA Holdings, LLC
State: IN

Complaint narrative:
Was trying to get a personal loan to help during rough times. This company directed me to a website- I did NOT engage in the advertised service which was a {$39.00} fee to credit boost. They stated that I had to engage in this program to get a credit boost so that they could give me a {$3000.00} loan. I reported this exact interaction to the FBI because they were also trying to get my log-in details for my bank account online. Despite not doing anything they told me- they managed to have my bank details from other loan applications some how. Just today they charged {$39.00} despite not ever utilizing their service.

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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Issue : XXXX XXXX XXXX XXXX has unlawfully manipulated my credit report and violated the Fair Credit Reporting Act ( FCRA ) by : Reaging a charge-off account on my credit report. 
Penalizing me for disputing the charge-off by causing a XXXX drop in my credit score without justification. 
Description : On XX/XX/XXXX, I reviewed my Experian credit report and observed that a charge-off account from XXXX XXXX XXXX had been updated with changes to its payment history. This alteration occurred following my lawful dispute of the account, which should not result in punitive measures or changes that harm my credit score. Attached, I will include the following evidence : Screenshots of my credit score before and after the dispute showing a drastic and unjustified XXXX drop. 
Comparisons of my Experian credit report before and after the dispute, highlighting the altered payment history. 
These actions are violations of the FCRA, as creditors are prohibited from " reaging '' accounts or altering account history to extend negative reporting periods. Additionally, penalizing consumers for exercising their legal right to dispute information under the FCRA constitutes an unfair practice. 

FCRA Violations and Supporting Case Law : Reaging Account History The FCRA ( 15 U.S.C. 1681c ( a ) ) specifies that negative information, such as charge-offs, may only remain on credit reports for up to XXXX years from the original delinquency date. Reaging a charge-off or manipulating its payment history is prohibited. 

Case Reference : XXXXXXXX XXXX XXXX XXXX XXXXXXXX. XXXX ( XXXX. XXXX XXXX ) : XXXX was found liable for inaccurate reporting practices and fined for reaging an account. 
Punishment for Dispute Consumers are protected from punitive credit reporting practices for filing disputes under the FCRA ( 15 U.S.C. 1681i ). 

Case Reference : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX XXXX. XXXX ) : XXXX paid damages for failing to investigate disputes accurately and penalizing the consumer. 
Failure to Correct Errors After Dispute The FCRA requires creditors and credit bureaus to conduct a reasonable investigation and remove or correct inaccuracies promptly. 

Case Reference : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX ) : XXXX was penalized for not promptly addressing consumer disputes regarding inaccurate reporting.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I sent letters out to the collection agency stating According to the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ), a collection agency must provide verification of the debt upon request. Since the collection agency has not provided this validation, the collection account should not be reported on my credit file.

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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Upon examining my credit report, I came across multiple billing inaccuracies. These late payments dont reflect my normal payment behavior. Please resolve these issues and update my account.

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: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

I have made previous attempts to fix these issues directly with them and They are violating my rights and I'm entitled to {$1000.00} for every violation I listed, they either pay me or delete these accounts immediately

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 status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My account with XXXX XXXX was never late! I have had exceptional payment history witH XX/XX/XXXXXXXX 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 in 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. 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 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: IL

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am filing this complaint regarding inaccurate inquiries reported by TransUnion on my credit report. These inquiries do not appear to be associated with any of my current accounts or credit applications, and I believe they have been reported in error. 

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), TransUnion is required to ensure the accuracy and integrity of the information they report. As these inquiries are not connected to any legitimate credit applications or accounts under my name, I request that they be investigated and removed promptly.

Furthermore, under FCRA Section 1681i, I have the right to dispute inaccurate information on my credit report, and TransUnion is obligated to conduct a reasonable investigation into the disputed entries. I have made multiple attempts to resolve this issue directly with TransUnion, but the inaccurate inquiries continue to be reported, damaging my credit score. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene and ensure that TransUnion complies with federal regulations regarding the removal of inaccurate inquiries from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 
\ inquiries on your TransUnion report. 

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

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I am a victim of identity theft. Enclosed are : my drivers license, my social security card, proof of my current address, my Federal Trade Commission Identity Theft Report, and a copy of SECTION 605B of the Fair Credit Reporting Act. I am writing to request that you remove/delete and place an immediate block on the fraudulent information listed below from my credit file within 4 days upon receipt of this correspondence.

I have recently obtained a copy of my credit file and the information listed below does not relate to any transactions that I have made ; therefore I am requesting that these items be completely removed/deleted and blocked from my credit file. This is not a regular dispute. I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please remove and block the following information from my credit report pursuant to section 605B of the Fair Credit Reporting Act within 4 days. I am requesting that the following fraudulent items be deleted and blocked from my credit file. 

Account Name : XXXX Account Number : XXXX Highest Balance : {$1900.00} Account Name : XXXX Account Number : XXXX Highest Balance : {$1700.00} Account Name : XXXX Account Number : XXXX Highest Balance : {$390.00} Account Name : XXXX Account Number : XXXX Highest Balance : {$960.00} Account Name : CO CHILD SUP Account Number : XXXX Highest Balance : {$0.00} Account Name XXXX XXXX XXXX XXXX  Account Number : XXXX Highest Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX Highest Balance : {$320.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Highest Balance : {$0.00} Account Name : XXXX Account Number : XXXX Highest Balance : {$830.00} Account Name : STATE OF COLORADO CH Account Number XXXX XXXX Highest Balance : {$0.00} I am writing to request a thorough investigation and correction of inaccurate information on my credit report. These items are either incorrectly reported or have already been resolved, and I kindly ask that they be reviewed and corrected accordingly.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I am a victim of identity theft. Enclosed are : my drivers license, my social security card, proof of my current address, my Federal Trade Commission Identity Theft Report, and a copy of SECTION 605B of the Fair Credit Reporting Act. I am writing to request that you remove/delete and place an immediate block on the fraudulent information listed below from my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information listed below does not relate to any transactions that I have made ; therefore I am requesting that these items be completely removed/deleted and blocked from my credit file. This is not a regular dispute. I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please remove and block the following information from my credit report pursuant to section 605B of the Fair Credit Reporting Act within 4 days. I am requesting that the following fraudulent items be deleted and blocked from my credit file. 

Account Name : XXXX Account Number : XXXX Highest Balance : {$1900.00} Account Name : XXXX XXXXccount XXXX : XXXX Highest Balance : {$1700.00} Account Name : XXXX Account Number : XXXX Highest Balance : {$390.00} Account Name XXXX XXXXXXXX Account Number : XXXX Highest Balance : {$960.00} Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Highest Balance : {$0.00} Account Name : DIS ATTOR OF Account Number : XXXX Highest Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX Highest Balance : {$320.00} Account Name : XXXX XXXX XXXX A Account Number : XXXX Highest Balance : {$0.00} Account Name : XXXX  Account Number : XXXX Highest Balance : {$830.00} Account Name : XXXX XXXX XXXX XXXX  Account Number XXXX XXXX Highest Balance : {$0.00} I am writing to request a thorough investigation and correction of inaccurate information on my credit report. These items are either incorrectly reported or have already been resolved, and I kindly ask that they be reviewed and corrected accordingly.

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 — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have three accounts in collection that are not correct. I have mailed Equifax via certified mail concerning this matter. They sent me a stall letter asking for identification and despite sending sufficient information in my initial dispute, I sent another letter via certified mail containing my ID, SSN and proof of address as requested. However, it has been well over 30 days and there has been no correspondence from Equifax and nothing has been updated on my credit report. This is causing me harm and hurting my credit standing

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
I disputed three charges on my account and they put my account on hold and theres been on hold for three weeks now they just let me know that theyre gon na close my account and have told me or gave me my money thats in the accounts.

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: EQUIFAX, INC.
State: CA

Complaint narrative:
Recently I XXXX XXXX did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX # XXXX Balance {$5800.00} Date opened XX/XX/XXXX XXXX XXXX # XXXX Balance {$0.00} Charge off {$3400.00} Date opened XXXX XXXX XXXX XXXX # XXXX. 
Balance {$3900.00} Date opened XX/XX/XXXX XXXX? XXXX # XXXX. 
Balance {$0.00} Charge off {$3400.00} Date opened XX/XX/XXXX XXXX XXXX XXXX # XXXX Balance {$69.00} Date opened XX/XX/XXXX Equifax XXXX XXXX XXXX Balance {$5800.00} Date opened XXXX

Company response to consumer: Closed with explanation