vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-06 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: NY

Complaint narrative:
i am writing to dispute unauthorized hard inquiries on my credit report from your agency and formally request that these inaccurate items be removed immediately, per my rights under the Fair Credit Reporting Act ( FCRA ). 
Specifically, I did not authorize the following hard inquiries to be made : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Under the FCRA , credit inquiries from companies I did not grant permission to are inaccurate items that must be removed from my credit report. These unauthorized hard inquiries also violate the Fair Debt Collection Practices Act ( FDCPA )

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 2024-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
Identity Theft Affidavit Affiant Information : Name : XXXX XXXX XXXX of Birth : XXXX  Social Security Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX Date : XX/XX/XXXX To : XXXX, XXXX XXXX XXXX Subject : Urgent Matter Regarding Fraudulent Accounts I, XXXX XXXX, hereby declare that I am a victim of identity theft. I am challenging the following items listed in my credit report as fraudulent. In accordance with the Fair Credit Reporting Act ( FCRA ), I request the immediate removal of these items from my credit report. 
The accounts and information listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Items to be Removed : Non-Mailing Addresses that do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Fraudulent Account : Creditor : AMSHER COLLECTION SERVICES/ T-mobile Account Number : XXXX Opened : XX/XX/XXXX Balance : {$2700.00} Payment Status : Collection Creditor Address : AMSHER COLLECTION SERVICES, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Creditor Phone Number : ( XXXX ) XXXX Legal Basis for Removal : 15 U.S.C. 1681 Section 602 A : Grants me the right to privacy.

15 U.S.C. 1681 Section 604 A ( 2 ) : Prohibits a consumer reporting agency from furnishing an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) : Prohibits reporting any adverse item of information that predates the report by more than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) : Prohibits the furnishing of information to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Request for Verification and Compliance : If the above accounts can not be verified, they must be removed immediately in accordance with FCRA Sections 609 & 611. Should your company fail to comply, I will be compelled to take legal action, which may include a small claims suit.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in further action. 
XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 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: SC

Complaint narrative:
There is a collection account by the name of XXXX XXXX XXXX XXXX  thats on my credit thats not mine.

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 2024-10-06 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: OH

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 
I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 
Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I became suspicious when multiple banks denied my applications for new credit cards, despite my history of always paying my bills on time. Upon reviewing my credit report, I found several items that I do not recognize, including unknown addresses, phone numbers, and accounts. Specifically, I do not recognize the following : XXXX. Multiple addresses XXXX. An unfamiliar phone number XXXX. A loan account with XXXX XXXX XXXX and XXXX XXXX Bank XXXX. Various soft credit inquiries that I did not authorize Here are the detailed items I do not recognize : XXXX. Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Phone Number : ( XXXX ) XXXX XXXX. Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. Various soft credit inquiries that I did not authorize or initiate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
On XX/XX/year>, I intended to transfer {$110.00} to an acquaintance via XXXX. However, she provided a wrong phone number by mistake ( the last 2 digits of the phone number were swapped by mistake ). Thus, a transaction was made based on the erroneous information provided by the intended recipient. After a few minutes, we discovered the mistake. Thus, I made a second transaction with the same amount to the correct number and reported the first transaction to Ally as erroneous on the same day. Ally closed the dispute without reversing the transaction. 

On XX/XX/year>, I called Ally Support again to dispute the transaction. In my phone call, I explained to them the transaction was made based on the erroneous information provided by the intended recipient. I did not intend the transaction to that recipient. The dispute details are as follows : Dispute Number : XXXX Account Number : XXXX Transaction Date : XX/XX/year> Transaction Amount : {$110.00} Recipient : XXXX payment XXXX XXXX XXXX XXXX Ally Spending Account XXXX ) to XXXX XXXX. 

On XX/XX/year>, Ally sent a letter to inform me that the dispute was closed and the transaction will remain posted to my account. I disagree with this decision. 

Ally stated that I have the right to request a copy of the information they used in making their decision. I sent a letter to request a copy of the information. As of XX/XX/year>, I have not received the requested information.

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 2024-10-06 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: Kikoff Inc.
State: FL

Complaint narrative:
you received my dispute regarding some transactions and late payments that you and ( Put creditor name here ) furnished to my consumer report and when I disputed these exclusions using the FCRA I received a response from you ( XXXX, XXXX, XXXX ) stating that the account was verified!!! 

I am not sure why you responded with XXXX as I did not ask for verification of anything! The law clearly states that ; ( XXXX ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; how can you validate a dispute regarding information that is excluded from the consumer report? The law says transactions are not apart of my consumer! So how can you validate a late payment? 

Further more lets take a look at 15 USC 1666b ( a ) Time to make payments XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless thecreditorhas adopted reasonable procedures designed to ensure that each periodic statement including the information required bysection XXXX ( b ) of this titleis mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

I am requesting all information pursuant Rule 1002 on 15 USC 1666b and the procedure that was used to authenticate accuracy ; What reasonable procedure that you have adopted designed to ensure that each peridioc statement including information required by section XXXX was mailed or delivered to the consumer not later than 21 days before the payment due date. 

The only way for you to validate a latepayment is to ensure that XXXX XXXX XXXX was done in compliance XXXX compliance and FCRA compliance!! to the specifications of the law XXXX XXXX XXXX! Further more this process must be certified by an agent that the information is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
15 U.S. Code 1666b - Timing of payments ( 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.

In order for any creditor to treat a payment as late you must prove that : The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the statement date.

15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 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: CA

Complaint narrative:
Subject : Formal Complaint Regarding Credit Reporting Dispute Handling by Equifax Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Equifax for their handling of my recent credit report dispute. After discovering inaccuracies regarding my XXXX XXXX XXXX XXXXXXXX account payment history on my Equifax credit report, I filed a dispute directly with Equifax on [ Date of Initial Dispute ]. Despite providing clear evidence that the payment statuses for XXXX through XX/XX/year> were reported incorrectly, my dispute has not been resolved satisfactorily. 

Identifying Information : Name : XXXX XXXX Disputed Account Information : Creditor Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Details of the Issue : The discrepancies relate to incorrect late payment entries listed for the months of XXXX through XX/XX/year>. Despite my providing sufficient documentary evidence such as bank statements and correspondence with the creditor that prove payments were made on time, the inaccuracies remain on my credit report. This issue has caused significant harm, including potential impacts on my ability to obtain credit under favorable terms. 

I requested that Equifax investigate these inaccuracies, correct my credit report, and provide me with a revised copy of my credit report. However, the response from Equifax did not address the inaccuracies as the erroneous information remains on my report. 

Attached are copies of all correspondence with Equifax, proof of timely payments, and any other relevant documents related to this issue. 

I am seeking the XXXX assistance in ensuring that Equifax addresses this matter appropriately and promptly. I request that the CFPB facilitate a correction of my credit report and ensure that Equifax complies with the Fair Credit Reporting Act. 

Thank you for your attention to this urgent matter. I look forward to your response and assistance. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-06 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) 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 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a secured loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a secured credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a unsecured loan account opened at XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX account number XXXX, a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$1000.00} under the account number XXXX, a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX balance of {$470.00} under the account number XXXX, and a collections account opened XXXX XXXX on XX/XX/XXXX XXXX a balance of {$580.00} under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Hard inquiries consist of XXXX XXXX  XXXX opened on XX/XX/XXXX, XXXX XXXX XXXX opened on XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries 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, 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 2024-10-06 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: TX

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : The reported late payment is inaccurate as I made my payment on time. I have included bank statements showing the payment was processed before the due date.

Account Closure : The account was closed at my request, and no late payments occurred at the time of closure. The reported late payment misrepresents the accounts closure status. Ive included the closure confirmation showing that the account was paid in full before the due date. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 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: TX

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : The reported late payment is inaccurate as I made my payment on time. I have included bank statements showing the payment was processed before the due date. 
Account Closure : The account was closed at my request, and no late payments occurred at the time of closure. The reported late payment misrepresents the accounts closure status. Ive included the closure confirmation showing that the account was paid in full before the due date. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation