vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: MO

Complaint narrative:
I cancelled XXXX went to anotherInsuranceAgency. I started with my new insurance on XX/XX/XXXX and that was the same payment date I had with XXXX XXXX, so it should have been a seemless transistion. I did not want a gap in my insurance. They not only did not cancel myinsuranceas I was told would happen. They charged me anyway and overdrew my account. They refunded my money ( document attached ) now I am being harasser by this company Credit Collection Services. Then also trying to get me to pay an return check fee????? I ended my relationship with them on XX/XX/XXXX and owe them nothing. They are trying to insinuate that the fees are forinsuranceupfront/deposit??? I did not pay an upfront fee forinsurancewith the original agent also named XXXX ( Who had me write my credit card info on a piece of paper which he conveniently lost and asked me over the phone to give it again? How do you refund the money and then request it again .... then forward it over to a collection to HARRASE me???? Account/Order/Tracking number : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 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:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Person has come to my job looking for me and threw my documents on the office floor with all my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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:
this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following account. Block and remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: CA

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
My address is ( your current address ) Please remove all the addresses from my report that are highlighted as they are not deliverable to me by the US post office, and they are not reportable as per the FCRA since they are inaccurate. 

My name is ( XXXX ) Please remove any other aliases. 

Please remove all phone numbers they do not belong to 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 non-monetary relief
Consumer complaint received 2024-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc.
State: AL

Complaint narrative:
I pulled my credit report and discovered that this company AR Resources Inc is reporting an alleged debt on my consumer report that I am requesting be VALIDATED, pursuant to the FDCPA validation of debt section, 15 USC 1692g.

I am also specifically requesting the ENTIRE PURCHASE AGREEMENT, not just the Bill of Sale associated with this alleged obligation, as it is my right to request this information because the burden of proof is on you to prove to me that I owe this alleged obligation.

If AR Resources can not produce proper documentation that suffices the reasonable procedures stated in the FCRA then this account MUST BE DELETED!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
I have notified your office multiple times about inaccurate accounts in pending litigation on my credit report, but I am still waiting for action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
We wish to file a complaint against Dillard Card Services and Citibank.

We closed our Dillard card several months ago BEFORE Citibank took over providing card services. Imagine our surprise when we were issued a new Citibank card for Dillards department stores on this closed account.

We were unable to close it right away as Citibank had not set up a processing unit for Dillard cards. We were finally able to close it today.

This leaves us with questions for them and the CFFB. 

XXXX Who are they to issue credit cards against closed accounts? No permission, no signature, no request. 

2. How many thousands of other former Dillard card holders did they issue cards to? Did they issue them to all closed accounts?

This harks back to the bad old days when credit card companies sent you cards without permission. These cards need to be cancelled and penalties assessed against Dillards and Citibank.

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 2024-11-14 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2024-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, and XXXX 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 personal credit card accounts opened.

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 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 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc.
State: CA

Complaint narrative:
The existence of these unauthorized accounts and inquiries has caused me significant XXXX  regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: OR

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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 2024-11-14 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: AL

Complaint narrative:
My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am writing to follow up on previous disputes concerning numerous negative items that continue to appear on my credit reports across TransUnion, XXXX, and XXXX. Upon reviewing my credit reports from each bureau, I have noted several inconsistencies in the reporting of collection accounts, which I do not recall and believe to be inaccurate and unverified.

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 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Please read this complaint seriously and see the attached file. It's been such a long time that I have been trying to fix the errors being reported on my credit report, but to no avail. My requests to correct this incorrect information kept getting ignored and I had enough. This has affected all aspects of my life negatively ; it's taking a toll on my XXXX XXXX that I wouldn't even be able to afford help because of my low credit score due to these errors.

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 2024-11-14 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:
Im reaching out to formally address a concerning issue regarding my recent credit card application with XXXX XXXX. It appears that multiple hard inquiries were made on my credit report for a single application, causing unnecessary and detrimental impacts on my credit score. I am respectfully requesting that these extra inquiries be removed immediately from my credit report. 

On XX/XX/year>, I submitted a single credit card application with XXXX XXXX, reference number XXXX. Since then, I have noticed that my credit report reflects several inquiries associated with this one application. These repeated inquiries have resulted in a significant decrease in my credit scores, affecting my financial standing and potential future applications. 

Upon receiving a letter from XXXX XXXX regarding my application on XX/XX/year>, I promptly contacted your customer service department to address this issue. I have since spent considerable time speaking with multiple representatives from XXXX XXXX, attempting to clarify why this error occurred. Unfortunately, no one has been able to offer a satisfactory explanation for the multiple inquiries. Instead, I have received apologies without any concrete answers or resolutions, which does not mitigate the negative impact on my credit score. 

To ensure the application could be processed, I followed XXXX XXXX  recommended steps. This included removing my security freezes from all major credit reporting agencies, including XXXX, XXXX, XXXX, XXXX, and XXXX. After doing so, I contacted XXXX XXXX  to inform them that my reports were unfrozen. Despite this, I was told repeatedly that my application could not be processed due to security freezes that, in fact, were no longer in place. Moreover, I have yet to receive a formal response regarding the status of my application, be it approval, denial, or any legitimate reason for the delay. 

Due to the financial impact caused by these multiple inquiries, I am formally requesting that XXXX XXXX  remove all the inquiries from my credit reports. Additionally, I ask that XXXX XXXX  provide me with written confirmation of the removal of these inquiries, which can be mailed to me at the address provided above. 

Thank you for your attention to this matter. I trust that XXXX XXXX  will take swift action to correct this issue, which will help to restore my credit standing and maintain my trust as a valued applicant. I look forward to receiving confirmation of the removal of these inquiries at your earliest convenience.

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 2024-11-14 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:
Im reaching out to formally address a concerning issue regarding my recent credit card application with XXXX XXXX. It appears that multiple hard inquiries were made on my credit report for a single application, causing unnecessary and detrimental impacts on my credit score. I am respectfully requesting that these extra inquiries be removed immediately from my credit report. 

On XX/XX/year>, I submitted a single credit card application with XXXX XXXX, reference number XXXX. Since then, I have noticed that my credit report reflects several inquiries associated with this one application. These repeated inquiries have resulted in a significant decrease in my credit scores, affecting my financial standing and potential future applications. 

Upon receiving a letter from XXXX XXXX  regarding my application on XX/XX/year>, I promptly contacted your customer service department to address this issue. I have since spent considerable time speaking with multiple representatives from XXXX XXXX, attempting to clarify why this error occurred. Unfortunately, no one has been able to offer a satisfactory explanation for the multiple inquiries. Instead, I have received apologies without any concrete answers or resolutions, which does not mitigate the negative impact on my credit score. 

To ensure the application could be processed, I followed XXXX XXXX  recommended steps. This included removing my security freezes from all major credit reporting agencies, including XXXX, Equifax, XXXX, XXXX, and XXXX. After doing so, I contacted XXXX XXXX  to inform them that my reports were unfrozen. Despite this, I was told repeatedly that my application could not be processed due to security freezes that, in fact, were no longer in place. Moreover, I have yet to receive a formal response regarding the status of my application, be it approval, denial, or any legitimate reason for the delay. 

Due to the financial impact caused by these multiple inquiries, I am formally requesting that XXXX XXXX  remove all the inquiries from my credit reports. Additionally, I ask that XXXX XXXX provide me with written confirmation of the removal of these inquiries, which can be mailed to me at the address provided above. 

Thank you for your attention to this matter. I trust that XXXX XXXX  will take swift action to correct this issue, which will help to restore my credit standing and maintain my trust as a valued applicant. I look forward to receiving confirmation of the removal of these inquiries at your earliest convenience.

Company response to consumer: Closed with explanation