vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I disputed these transactions with XXXX XXXX  as I dont have a signed contract with them or have I ever. I requested proof of my signature on a contract with them and they did not provide me with anything. They removed only from XXXX credit bureau not all XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: CA

Complaint narrative:
I disputed these transactions with XXXX XXXX  as I dont have a signed contract with them or have I ever. I requested proof of my signature on a contract with them and they did not provide me with anything. They removed only from XXXX credit bureau not all 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 2024-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CO

Complaint narrative:
Not sure about anything on the lvnv funding account and applied bank still shows up with no proof of the letter from my chapter XXXX Trustee off. Attached a screenshot shot all legal departments will be sent this complete to.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: CO

Complaint narrative:
I XXXX XXXX have been having a problem with your credit reporting department. There is some information I been asking for on three acounts. I am in a chapter XXXX bankruptcy by law I need the chapter XXXX trusses approval. I don't have that. And no one can provide the letter that states I can have this debt. Please contact you credit reporting department and have this removed. And not show up again. I attached the debt that need to be removed and not show up ever again. The acounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Thank you

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 2024-12-01 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: CO

Complaint narrative:
I XXXX XXXX have been having a problem with your credit reporting department. There is some information I been asking for on three acounts. I am in a XXXX  XXXX bankruptcy by law I need the XXXX  XXXX trusses approval. I don't have that. And no one can provide the letter that states I can have this debt. Please contact you credit reporting department and have this removed. And not show up again. I attached the debt that need to be removed and not show up ever again. The acounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: CO

Complaint narrative:
I XXXX XXXX have been having a problem with your credit reporting department. There is some information I been asking for on XXXX acounts. I am in a chapter XXXX bankruptcy by law I need the chapter XXXX trusses approval. I don't have that. And no one can provide the letter that states I can have this debt. Please contact you credit reporting department and have this removed. And not show up again. I attached the debt that need to be removed and not show up ever again. The acounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you

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 2024-12-01 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: MI

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX : # XXXX, Dept of EducationXXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX : has violated my rights. 

I looked at my Experian credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) In general. 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 ( i ) 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.

and according to 15 USC 1681s-2 they are supposed to 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 2024-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
After receiving my SSI benefits XXXX  my id bank account I was informed out the XXXX  XXXX my account was closed and id be receiving a closure notice and if my XXXX check came it be rejected back to social security XXXX In between. XXXX - XXXX XXXX I've recieved dispute resolution letters. Us bank csr also told me ask ssa to transfer my $ or ask for paper check The XXXX XXXX I get a notification my deposit had posted to the account .so I call us bank only to be told now my money is on hold due to fraud no one will give me any info in writing or by phone as XXXX my money is held. I was advised to go into branch but have no $ to get there also told them I was without food or money for my XXXX XXXX  due to them holding my SSI check unjustly .everytime I called was told something diferent after they. Got my check that I was told would be rejected.. So I called them back. And ask y they had it then they said account was pending closure after I was told was already closed, even no longer had access to my online banking due to it being closed now all of a sudden it's pending. I have no means of paying rent or request social security. Reissue check due to us bank won't provide documentation my account is closed

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 2024-12-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Millco Management
State: SC

Complaint narrative:
Consumer Name : XXXX XXXX XXXX XXXX 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 TransUnion 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 checking account opened at XXXX XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX, as well as another personal checking account opened at XXXX XXXX on XX/XX/XXXX, a cell phone/ utility account opened at AMERIFINANCIAL SOLUTIONS on XX/XX/XXXX and a excessive amount of evictions filed against myself from XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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, 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 # ( private case number ) 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B that you, the 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 consist of WAYPOINT opened on XX/XX/XXXX under the account number XXXX and XXXX XXXX XXXX opened in XX/XX/XXXX under the account number XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the XXXX Federal Trade Commission that all 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 2024-12-01 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Property Receivables, Corp
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the debt reported by your agency. This debt is inaccurate and should be removed from my credit report immediately. 

I vacated the property at XXXX XXXX XXXX XXXX in XX/XX/year>, and I do not owe the amount being claimed. Therefore, I request that you provide full validation of this debt, including : 1. Proof of the original debt, including an itemized breakdown of charges.

2. Documentation showing my agreement to the alleged debt.

3. Evidence that your agency has the legal right to collect this debt.

Additionally, I demand that you investigate this matter and correct any inaccuracies on my credit report. If you are unable to validate the debt, I request that you : 1. Remove the debt from my credit report with all credit bureaus.

2. Cease any further collection activity regarding this account.

Please be advised that reporting inaccurate information or failing to validate a disputed debt violates the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I reserve the right to pursue legal action if these laws are not followed.

I expect a written response within 30 days, confirming either the validation of this debt or its removal. 

Sincerely, XXXX XXXX XXXX -- - Tips : 1. Send via Certified Mail : This ensures you have proof of delivery.

2. Attach Evidence : Include any documents ( e.g., lease termination, move-out letter, or proof you left the property in XX/XX/year> ). 


XXXX. Monitor Your Credit Report : Use services like XXXX to confirm changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Inquiries from multiple companies that I didnt authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone number ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX XXXXXXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, DE XXXX Phone number ( XXXX ) XXXX FILES TO BE TAKEN OFF MY CREDIT REPORT NEGATIVE CHARGED OFF ACCOUNTS XXXX XXXX XXXX XXXX Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXXXXXX XXXX XXXX XXXX Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX FL XXXX XXXX XXXX, CA XXXX XXXX  XXXX XXXX Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX FL XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXXXXXX Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC
State: IL

Complaint narrative:
Dear Jefferson Capital Systems, I am writing regarding the above-referenced account. I want to clarify that I am not disputing this account. However, I am requesting additional information to ensure the accuracy of my records. Specifically, I am requesting the following details for this account : Date of Last Payment Date of First Delinquency Date of Charge-Off

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: CO

Complaint narrative:
I attached what I am asking for and XXXX  bankruptcy laws. I am asking for tge letter to incure new debt with these acounts. You legal departments will be getting the same suff. XXXX XXXX  needs to be remover and not show back on my credit report. Applied bank removed and show back up on my credit report. and lvnv funding And credit first fire stone. Need 's to be remover and not show back up. These credit card company and braking the federal laws. And I know nothing about these four acounts there 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 non-monetary relief
Consumer complaint received 2024-12-01 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: CO

Complaint narrative:
I attached what I am asking for and XXXX  bankruptcy laws. I am asking for XXXX  letter to incure new debt with these acounts. You legal departments will be getting the same suff. XXXX XXXX  needs to be remover and not show back on my credit report. XXXX XXXX removed and show back up on my credit report. and XXXX XXXX And XXXX XXXX XXXX XXXX. Need 's to be remover and not show back up. These credit card company and braking the federal laws. And I know nothing about these four acounts there not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: CO

Complaint narrative:
I attached what I am asking for and tge bankruptcy laws. I am asking for tge letter to incure new debt with these acounts. You legal departments will be getting the same suff. XXXX XXXX needs to be remover and not show back on my credit report. XXXX XXXX removed and show back up on my credit report. and XXXX XXXX And credit XXXX XXXX XXXX Need 's to be remover and not show back up. These credit card company and braking the federal laws. And I know nothing about these four acounts there 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 2024-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit 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
Consumer complaint received 2024-12-01 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: NM

Complaint narrative:
I am writing to dispute inaccurate information on my credit report regarding an account reported by XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate, complete, and verifiable reporting. Below, I have outlined the specific issues with this account : XXXX. Inconsistent Comments Across Credit Bureaus : XXXX : Closed. 
XXXX : Subscriber reports dispute resolved - consumer disagrees. 
Equifax : Closed or paid account/zero balance. 
These inconsistencies in comments create confusion and may mislead lenders about the status of the account. 
XXXX. Late Payment Reporting on a Closed, Paid Account : The account has a {$0.00} balance and is marked Closed or Paid across all bureaus. However, the payment history shows multiple 30-day late marks, which is inaccurate if the account is resolved and paid off.

3. Failure to Update or Resolve Dispute Comments : The comments reflect ongoing disputes despite the account being marked as resolved and closed. This misrepresentation may harm the creditworthiness of the consumer. 
XXXX. Inconsistent Reporting Across Bureaus : The Last Reported dates differ : XXXX and XXXXXXXX XXXX XXXX 
Equifax : XX/XX/scrub>XXXX 
While minor, this discrepancy shows a lack of synchronization and proper updates across the bureaus. 
XXXX. Contradictory Payment History : Despite the account being marked as Current and having a {$0.00} balance, the payment history contains 30-day late marks. If unverifiable or inaccurate, they violate FCRA requirements. 

Violations of the Fair Credit Reporting Act ( FCRA ) : XXXX. 15 U.S.C. 1681e ( b ) : Failure to Ensure Maximum Possible Accuracy : Credit bureaus are required to ensure the information they report is accurate and consistent. The discrepancies in dispute comments, payment history, and reporting dates violate this standard. 
XXXX. 15 U.S.C. 1681i ( a ) : Failure to Conduct a Proper Investigation : If disputes have been filed and the information remains inaccurate or unresolved, the credit bureaus may have failed to investigate and correct the errors properly. 
XXXX. 15 U.S.C. 1681s-2 ( a ) : Furnishing Inaccurate Information : The creditor ( XXXX XXXX ) may have provided inaccurate or misleading information regarding the payment history and dispute resolution. 
XXXX. 15 U.S.C. 1681c ( a ) ( 4 ) : Reporting of Obsolete Information : If the late payments are outdated or unverifiable, they must be removed from the report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-01 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: MA

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.

Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. 

As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days.

The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference.

My credit report contains fraudulent INQUIRIES that are not associated with me.

All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail.

In addition, I request the immediate removal of the following fraudulent INQUIRIES from my credit 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation