vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-16 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 am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX. Account # : XXXX XXXX  Account # : XXXX XXXX  XX/XX/2024 XXXX  XX/XX/2024 XXXX  XXXX XX/XX/2024 These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than XXXX years old, other than records of convictions of crimes. 

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 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: CCS Financial Services, Inc.
State: NY

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 My Consumer Report Recently.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
There was no late payment in XX/XX/year>. The Bank of America Auto Pay system failed to take any funds.

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 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

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.

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 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 2024-11-16 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: GA

Complaint narrative:
My identity was stolen, and 3 accounts were opened in my name. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I have no idea how this could have happened. XXXX and XXXX have already removed the fraudulent accounts. They have been exceptional I am now only waiting on Experian to remove them. according to the fair credit reporting act I am entitled to accurate credit reporting. please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This company is furnishing and reporting negative, inaccurate and fraudulent information to my rental history reports. This company is reporting negative information on my report in reference to properties that I have never lived in nor been associated with. They are reporting fraudulent, negative information with incorrect names, dates of birth and inaccurate social security numbers on my rental history reports. This information does not belong to me. These errors have caused me to be wrongly denied for rental applications. This company should remove all negative accounts from my rental reports immediately.

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 2024-11-16 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: MO

Complaint narrative:
I am writing to formally dispute unauthorized entries that have appeared on my credit report. As a victim of a data breach, my personal information was compromised, resulting in the inclusion of fraudulent accounts and inquiries on my credit file without my consent. Under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and pursuant to 15 U.S.C. 1681c-2 ( a ), I am requesting the immediate blocking and deletion of the following items from my credit report : Fraudulent Accounts : 1. Chapter XXXX Bankruptcy o Case Number : XXXX o Date Filed : XX/XX/XXXX o Balance : {$0.00} 2. Chapter XXXX Bankruptcy o Case Number : XXXX o Date Filed : XX/XX/XXXX o Balance : {$0.00} Unauthorized Inquiries : XXXX. XXXX XXXX o Date of Inquiry : XX/XX/XXXX XXXX. XXXX o Date of Inquiry : XX/XX/XXXX 2024

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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: NY

Complaint narrative:
I am writing to formally request the blocking and deletion of fraudulent accounts from my credit report due to unauthorized activity stemming from a data breach. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and 605 ( b ), I am entitled to request the removal of these accounts from my credit file. 
Accounts to Block and Delete : 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 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 explanation
Consumer complaint received 2024-11-16 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: CA

Complaint narrative:
Subject : Formal Dispute Under 15 USC 1681i ( 5 ) Request for Investigation and Correction To Whom It May Concern, I am writing to formally dispute an inaccurate item on my credit report, as provided under my rights outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( 5 ). This section of the law requires credit reporting agencies to investigate disputed information and promptly update or delete items that can not be verified or are found to be inaccurate. 

The disputed item is as follows : Account Name : XXXX XXXX XXXX ] Date Listed : [ XX/XX/2017 ] Under 15 USC 1681i ( 5 ) ( A ), any item that can not be verified as accurate must be promptly deleted from my credit report. I request that you conduct a thorough investigation of this matter and provide me with the following : Verification of the Disputed Item : Evidence confirming the accuracy of the account information. 

Correction or Deletion : If the item can not be verified, it must be corrected or deleted from my credit report as required by law. 

Notification of Results : Written confirmation of the investigation results, including an updated copy of my credit report reflecting any changes made. 

Please respond to this dispute within the legally mandated 30-day investigation period. Failure to comply may result in further action to enforce my rights under the FCRA. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, 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 explanation
Consumer complaint received 2024-11-16 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:
I reviewed my credit report through Experian and noticed inaccurate information that does not belong to me. Following their instructions, I promptly filed an FTC Identity Theft Report, submitted documentation outlining the disputed information, and provided my ID along with proof of address. 

Despite complying with all their requirements, Experian has failed to remove the incorrect items from my credit report and continues to give me the runaround regarding this matter. Additionally, they have not granted me access to view the results of my disputes online, which hinders my ability to track the progress or resolution of my claims. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputes within 30 days ( or 45 days if additional documentation is submitted ) and provide consumers with the results of the dispute investigation ( 611 ( a ) ( 6 ) ( B ) ). Furthermore, the FCRA mandates that credit reporting agencies maintain reasonable procedures to ensure the accuracy of the information they report ( 607 ( b ) ). XXXX failure to address these inaccuracies and provide timely access to dispute results appears to violate these provisions. 

I am requesting that the Consumer Financial Protection Bureau investigate XXXX practices and hold them accountable for their noncompliance with federal law.

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 2024-11-16 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: GA

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX - XXXX - XXXX - {$8700.00} XXXX - XXXX - XXXX - {$1400.00} XXXX - XXXX - XXXX - {$0.00} XXXX XXXX XXXX - XXXX - XXXX - {$220.00} INQUIRIES : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
My EX ( we are divoriced ) XXXX XXXX trouble starting husband XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX Kansas XXXX, phone number XXXX ) fraudulently started a capital one pmatnium credit card with my Social security number and other personal confidential Information and did NOT have my permission tondo so or notify me of this. He has committed fraud and forgery and is ( has ) committed several actions with this card hurting my credit, over maxing the card out, late fees, debit accumulation, and much more with numerous fraudulent transactions I am just now becoming aware of unfortunately. He needs held accountable for these crimes and I need my credit / financial history and credit and name and my social security number cleared of these fraudulent actions and actives as I have never used this credit card, never had it in my possession and I did not know it even existed until today. I am requesting your assistance onnthis matter as soon as possible and federal criminal charges to be placed against him with him being liable for ALL thus debt and transactions and done by him. I have another credit card that he dies not know about that I have started as a beginning to my new life and with out him and the beginning of my real credit that us my actions and responsibilities and I have had a 100 % SUCCESS RATIO WITH ITVIN EVERY WAY AS I BUILD MY CREDIT VERY QUICKLY WITH LOTS OF DEDICATION AND TVE HELP OF A GOID FRIEND WHO HAS PERFECT CREDIT FOR OVER 20 YEARS. I NEED THIS CASE AGAINST XXXX XXXX investigated and I need my credit / name cleared of HIS actions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 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: NM

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
INQUIRIES : XXXX XXXX XXXXXX/XX/year>

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 2024-11-16 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: Nelnet, Inc.
State: NH

Complaint narrative:
This letter is a formal request regarding the student loan debt ( s ) that you have reported on my consumer credit report. Please be advised that this is NOT a refusal to pay but a request sent pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ). I am disputing the validity of the alleged debt ( s ), and I am requesting proper validation. 
This is NOT a request for mere verification of my mailing address or other peripheral information, but a formal demand for competent evidence that establishes my legal obligation to pay this debt and the right of your office to report it to consumer reporting agencies. 
Specifically, I request the following : Account Name : DEPTEDNELNET Account Number : XXXX, Amount : {$2000.00}, Date Opened : XX/XX/XXXX Account Number : XXXX, Amount : {$3500.00}, Date Opened : XX/XX/XXXX Account Number : XXXX, Amount : {$2000.00}, Date Opened : XX/XX/XXXX Account Number : XXXX, Amount : {$3500.00}, Date Opened : XX/XX/XXXX Account Number : XXXX, Amount : {$5500.00}, Date Opened : XX/XX/XXXX Account Number : XXXX, Amount : {$2000.00}, Date Opened : XX/XX/XXXX Account Number : XXXX, Amount : {$5000.00}, Date Opened : XX/XX/XXXX Account Number : XXXX, Amount : {$1000.00}, Date Opened : XX/XX/XXXX Account Number : XXXX, Amount : {$5000.00}, Date Opened : XX/XX/XXXX Account Number : XXXX, Amount : {$45000.00}, Date Opened : XX/XX/XXXX Account Number : XXXX, Amount : {$4500.00}, Date Opened : XX/XX/XXXX Account Number : XXXX, Amount : {$3000.00}, Date Opened : XX/XX/XXXX Proof of Debt : I respectfully demand that you provide a copy of the original wet-ink promissory note or other documents that serve as the foundation of the alleged debt ( s ) you claim I owe. The absence of such documentation violates my rights under the FCRA, FDCPA, and any applicable state laws. You must provide evidence proving your legal authority to report this debt. 
1. Failure to Provide Proof : Should you be unable to furnish the original promissory note or other valid documentation within 30 days from receipt of this letter, I request that you immediately cease reporting this account to any and all consumer credit reporting agencies and remove it from my credit file. The continued reporting of unsubstantiated debts is a violation of the FCRA and may also constitute fraud. If no response is received within the 30-day window, I will pursue all available legal actions to ensure compliance.

2. Correction of Consumer Report : If your office decides to remove the accounts from my report, I request written confirmation of this removal, along with written verification from the credit bureaus that the accounts have been deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
XXXX XXXX has been sucking me dry with oops and taking money from transactions that they didnt cover for me anyway. I didnt have oops and then when I found out I had it then they said I didnt again. Idk y they take money from my account that they didnt cover. Its confusing and I only get disability benefits.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC
State: UT

Complaint narrative:
Sunrise credit services randomly sent me a bill for collections from a medical bill I received from XXXX XXXX XXXX. The hospital sent me a different date to pay bill before going to collections. The sunrise company link and phone number do not work. I DO NOT trust this company, they have scammed people in the past. 
They have called repeatedly at odd hours of the day/night and hang up when I answer. 
I have no idea what the collection is really for.

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 2024-11-16 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: OLIPHANT FINANCIAL, LLC
State: GA

Complaint narrative:
on XX/XX/XXXX, I noticed an unauthorized inquiry on my XXXX credit report dated XX/XX/XXXX by Oliphant Financial XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions
State: FL

Complaint narrative:
There is extensive documentation located in XXXX XXXX, FL XXXX XXXX case XXXX, which detail XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX clear and deliberate violations of Florida 's Landlord Tenant Law XXXX 

In a nutshell, the Landlord filed an eviction against me, I responded with detailed documentation of deliberate violations by XXXX of FL Landlord/Tenant law. Before the hearing took place in XXXX, I vacated the premises which I notified the judge of at the hearing. The judge asked XXXX 's attorney how they wished to proceed, the voluntarily dismissed the case. 

I never received any written notification from XXXX regarding any charges and thought the matter was settled until I received a collections notice from Rent Recovery Solutions ( RRS ) in XXXX of XXXX  stating I owed over {$12000.00} to the complex. I disputed the collections and requested RRS to validate the debt, I received a stated in the mail indicating a zero balance. 

In XX/XX/year>, I applied for a HELOC to consolidate debt and was denied due to the collections placed on my account by RRS and XXXX. 

The companies are using illegal practices to cause hardships on consumers when they are clearly the parties who are in violation of the law. I intend to file a lawsuit against XXXX for the XXXX XXXX and to clear the negative credit rating on my credit reports if this issue is not resolved expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Bureau of the South, Inc.
State: LA

Complaint narrative:
Back in XXXX, I contacted 2 different companies, Delenquent Recovery & Credit Bureau of the South, who were reporting the exact same debt on my credit report in the amount of {$720.00}. On XX/XX/XXXXXXXX XXXX XXXX XXXX  they responded by stating " We verified that this item belongs to you '' without providing any of the requested proof. I advised I had no recollection of the reported debt and needed proof to validate the information being reported. Here we are in XXXXXXXX XXXX XXXX and I have received nothing ; however, these two collection agencies are still reporting this debt on my credit. 

According to the laws, collection agencies are allotted 30 days to provide proof of validity. We have far exceeded that time. Not only did they not send the info requested, they are reporting this debt as an open account under 2 separate collection agencies. Additionally, collections should never be reported as open. I want these collections removed from my credit report asap.

Company response to consumer: Closed with explanation