vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally dispute the accuracy of certain information regarding the account XXXX XXXX XXXX XX/XX/year> as reported on my credit report. I have identified that these entries may not comply with the Fair Credit Reporting Act ( FCRA ) requirements, specifically Sections 605B, 615 ( f ), and 623 ( a ) ( 6 ). 
According to Section 605B of the FCRA, any information that is inaccurate or incomplete must be promptly corrected or deleted. I have reason to believe that the negative history reported for my student loans does not accurately reflect my payment history and should be investigated.

Additionally, under Section 615 ( f ), I am entitled to request that the information related to these loans be verified or deleted if the creditor is unable to provide sufficient evidence of its accuracy. Furthermore, Section 623 ( a ) ( 6 ) requires that furnishers of information conduct a reasonable investigation when a dispute is raised.

I kindly request that you investigate this matter and provide me with a written response, detailing your findings. Should you find that the information can not be verified, I expect it to be removed from my credit report in accordance with the FCRA.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

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

Account Name : Unknown Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX Account Name XXXX XXXX Account Name : XXXX Account Name : XXXX  Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name XXXX XXXX  Account Name : XXXX Account Name : XXXX  Account Name : XXXX Account Name : XXXX XXXX XXXXccount Name : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to file a complaint against XXXX, TransUnion, and XXXX for failing to remove inaccurate information from my credit report despite providing enough evidence to support my dispute. I initially submitted a dispute regarding XXXX XXXX on XX/XX/XXXX, and then again on XX/XX/XXXX, accompanied by supporting documentation. However, after the XXXX investigation period, the reporting agencies failed to correct the error and continue to report inaccurate information, adversely affecting my XXXX XXXX and financial standing. It is believed that XXXX XXXX is consistently reporting random dates with no physical proof. The first noted dispute from about 3 years ago had the date of XX/XX/XXXX. I request the CFPB 's assistance in resolving this matter and ensuring that my rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to file a complaint against XXXX, XXXX, and Experian for failing to remove inaccurate information from my credit report despite providing enough evidence to support my dispute. I initially submitted a dispute regarding XXXX XXXX on XX/XX/XXXX, and then again on XX/XX/XXXX, accompanied by supporting documentation. However, after the 30-day investigation period, the reporting agencies failed to correct the error and continue to report inaccurate information, adversely affecting my credit score and financial standing. It is believed that XXXX XXXX is consistently reporting random dates with no physical proof. The first noted dispute from about 3 years ago had the date of XX/XX/XXXX. I request the CFPB 's assistance in resolving this matter and ensuring that my rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-11-17 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: NY

Complaint narrative:
I'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation. I would like this item to be immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, provide the names and business addresses of each individual with whom you verified above so I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

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 2024-11-17 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'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation. I would like this item to be immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, provide the names and business addresses of each individual with whom you verified above so I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-17 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 disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit scorXXXX XXXX XXXX XXXXXXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MT

Complaint narrative:
Keep saying I owe a student loan I never received since I withdrew 30 days before student loans were ever dispersed I never received this student loan and they keep putting this debt on my credit report and calling me repeatedly for 6 years straight. I have written letters and called back and disputed this claim every single month since XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX This CFPB complaint has been filed In pursuant of FCRA 605B ( 15 u.s.c. -1681C -2 ) that you experian reporting agency, block information appealeing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This is fraudulent, and inaccurate, and false information the accounts and information that appears related to the aforementioned personal accounts 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 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 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 2024-11-17 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  This CFPB complaint has been filed In pursuant of FCRA 605B ( 15 u.s.c. -1681C -2 ) that you experian reporting agency, block information appealeing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This is fraudulent, and inaccurate, and false information the accounts and information that appears related to the aforementioned personal accounts 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 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 response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 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'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation. I would like this item to be immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, provide the names and business addresses of each individual with whom you verified above so I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

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 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I SENT OFF A CERTIFIED LETTERS ON XXXX XXXX TO EQUIFAX,, XXXX AND XXXX ASKING THEM TO PROVIDE ME WITH A METHOD OF VERIFICATION ON HOW THEY VERIFIED THE DISPUTED ITEMS AND I NEVER RECEIVED ANY PROOF OF HOW THEY VERIFIED THE DISPUTED ITEMS BELOW FROM ANYONE OF THE XXXX CREDIT AGENCIES : 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 IS REPORTING XXXX LATE PAYMENTS ON MY CREDIT REPORTS! 
XXXX, XXXX & XXXX PURSUANT TO 15 U.S.C 1681i ( a ) ( 7 ) IF CAN NOT VERIFY THE INACCURATE DISPUTED ITEMS ABOVE, THEY MUST BE DELETED OFF MY CREDIT FILE IMMEDIATELY PER THE FCRA. 

I HAVE UPLOADED THE LETTERS I SENT OFF CERTIFIED TO ALL XXXX OF THE CREDIT AGENCIES ALONG WITH MY SSN AND DRIVERS LICENSE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I SENT OFF A CERTIFIED LETTERS ON XXXX XXXX TO XXXX,, XXXX AND EXPERIAN ASKING THEM TO PROVIDE ME WITH A METHOD OF VERIFICATION ON HOW THEY VERIFIED THE DISPUTED ITEMS AND I NEVER RECEIVED ANY PROOF OF HOW THEY VERIFIED THE DISPUTED ITEMS BELOW FROM ANYONE OF THE XXXX CREDIT AGENCIES : 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 IS REPORTING XXXX LATE PAYMENTS ON MY CREDIT REPORTS! 
XXXX, XXXX & XXXX PURSUANT TO 15 U.S.C 1681i ( a ) ( 7 ) IF CAN NOT VERIFY THE INACCURATE DISPUTED ITEMS ABOVE, THEY MUST BE DELETED OFF MY CREDIT FILE IMMEDIATELY PER THE FCRA. 

I HAVE UPLOADED THE LETTERS I SENT OFF CERTIFIED TO ALL XXXX OF THE CREDIT AGENCIES ALONG WITH MY SSN AND DRIVERS LICENSE

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 2024-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I recently opened an account with Citi and completed the required steps to verify my personal information. I also provided my contact information, including my telephone number ( XXXX ) and email address ( XXXX ). After opening the account, I deposited checks via mobile check deposit, waited for them to clear, and then used XXXX to transfer money to my wifes account since I have not yet received a debit card and there are no Citi branches in my area. 

Initially, there were no issues with these transactions. However, after receiving a XXXX payment of {$650.00}, I sent {$310.00} from that amount to cover a bill. While Citi shows the transaction as completed, the funds never arrived in my wifes account. As I tried to resolve this issue, I suddenly lost access to my online account and was instructed to call the fraud department. 

When I contacted the fraud department, I experienced extremely poor customer service. Representatives were dismissive, unhelpful, and even mocking. Despite my ability to verify my Social Security number, drivers license number, and other personal information, I was unable to verify my debit card number because I have not yet received it. This is precisely why I had been relying on XXXX for transfers, all within the allowable limits. 

Additionally, Citi informed me that they could not verify my phone number, even though it is registered in my name through XXXX XXXX XXXX and was the number I used to sign up for the account. They also claimed my email address couldnt be verified, despite the fact that I received fraud alerts at this same email and used it when opening the account. 

As a result, I was told that I would have to wait up to XXXX business days to receive a code in the mail to regain access to my account. This delay is unacceptable, as I urgently need access to my funds. The situation has caused significant financial hardship and disrupted my ability to manage essential expenses. 

Throughout this ordeal, Ive faced repeated challenges : Customer service representatives have been rude, refused to provide their names or employee IDs, and hung up on me multiple times. 
Ive been told on at least XXXX calls that the system is down, and the call ends abruptly. 
Attempts to escalate the matter to supervisors have been consistently denied. 

I have made every effort to cooperate and offered to verify my identity through other means, but the resolution Citi has proposed ( sending a code via mail ) is not viable given the circumstances. I need immediate access to my account and my funds to avoid further financial and personal hardship. 

I urge Citi to address this matter promptly and fairly.

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 2024-11-17 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. Its my understanding that Credit Bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-17 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. Its my understanding that Credit Bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-11-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I AM A VICTIM OF XXXX XXXX PLEASE BLOCK THESE ACCOUNTS PURSUANT TO FCRA 605C WITHING 4 BUSINESS DAYS. I AM ALSO A VICTIM OF IDENTITY THEFT AND SECURITY BREACHES PLEASE ADD A FRAUD ALERT AND FREEZE AND OPT ME OUT. PLEASE USE THE NUMBER XXXX AND SEND ME A COPY AND CPFB.

Company response to consumer: Closed with explanation