vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-02 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I got credit inquiries show on my XXXX app. I also recieved letters in the mail stating I made an application for the credit cards.

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 2024-12-02 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: CT

Complaint narrative:
Inaccurate data on payment history. Car is fully paid off. How can a person be late 30 for 6 months? I demand Consumer reporting agency to show bank statements from creditor that shows my car payment was late fix immediately or delete

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 2024-12-02 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: CO

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: Credit Karma, LLC
State: GA

Complaint narrative:
I received notification from Credit Karma that my password was changed on a Friday evening while out of town. When seeing this message Saturday morning, I responded as directed in the notification to XXXX. 

the message bounced.

I called Credit Karma after difficult search to find a support number. After confirming ID info and speaking with support party, I was promised a return call from Fraud department, but had to call back two more times. Last support person told me my account was closed.

After reporting the errant password hack, I still received three XXXX XXXX  messages in 24 hours, and upon being told my account no longer existed, I click on the marketing message link and was taken directly into my account without a password.

I repeatedly asked to be connected to higher level service, as no one would help me correct password, and my pointing out that the hacking party changed my phone number led to no response whatsoever.

Latest call promises me -- - again -- - that I will be called by case manager, but wanted to raise my concerns here about lax security, backdoor access to information, and non-responsive, non-concerned attitude of the " customer support '' parties sitting in a crowded room making them nearly inaudible.

I am concerned my personal credit and identification is very vulnerable with them and they are totally unconcerned. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-12-02 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: TX

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report and believe these to be fraudulent. This is a violation of the fair credit reporting act section 1681 ( b ) c and a serious breach of my privacy rights I formally requested that these fraudulent inquiries and accounts be immediately deleted my credit. There are several inaccuracies regarding balance amounts, payment dates, payment status ', and debts owed. I requested that the inaccuracies be corrected by TransUnion, and no corrections have been made. I requested if anything comes, verified to show signatures and the original documents showing true accuracy. This was done beginning of XXXX last month. I also notated that they have 30 days to complete investigation as per fair credit reporting act section 611. Accounts remain on credit report, and no action has been taken.

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 2024-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TrueAccord XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Cease and Desist Notice Regarding Alleged Debt - CFPB Complaint To Whom It May Concern : This letter is a formal notice in accordance with Public Laws 95-109 and 99-361, also known as the Fair Debt Collection Practices Act ( FDCPA ). I am writing regarding an alleged debt in the amount of {$6500.00} that your company claims I owe.

You are hereby instructed to cease and desist all further communication with me regarding this alleged debt. As permitted by the FDCPA, I exercise my right to request that your organization stop all collection efforts immediately.

Failure to comply with this notice will result in my filing a complaint with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and the Attorney General of New Jersey. In addition, I reserve the right to pursue civil and criminal claims against TrueAccord and its representatives for any violations of federal or state law.

Be advised that any further contact from your company will be documented, including but not limited to recording telephone conversations. Moreover, if your agency places any negative information regarding this alleged debt on my credit reports following the receipt of this notice, I will initiate legal action to pursue all remedies available to me under applicable law.

Please also note that I do not recognize or deal with collection agencies. If this matter requires resolution, I will only communicate directly with the original creditor.

This letter serves as my final communication regarding this matter. Any future correspondence from TrueAccord regarding this alleged debt will be treated as a violation of the FDCPA.

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
Heres how you can adapt your complaint for submission to the Consumer Financial Protection Bureau ( CFPB ) : -- - Complaint Against Experian for Failure to Investigate Credit Dispute Subject : Failure to Investigate Credit Dispute Date Submitted : [ Date ] Summary of the Issue : I am filing this complaint against Experian for failing to properly investigate a dispute I submitted regarding inaccuracies on my credit report. Despite providing all necessary documentation to support my claim, Experian did not conduct a reasonable investigation, as required under the Fair Credit Reporting Act ( FCRA ).

Details of the Dispute : Accounts are closed & inaccurate Date Dispute Filed : Multiple Days Accounts in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nature of Dispute : incorrect balance, account status, incorrect dates Despite this, Experian has either failed to respond appropriately or has dismissed the dispute without addressing the evidence provided. The inaccurate information remains on my credit report, causing harm to my credit score and financial standing.

Violations of the FCRA : Experians failure to conduct a reasonable investigation violates my rights under the FCRA, specifically : Section 611 ( a ) : Requires credit reporting agencies to investigate disputes within 30 days.

Section 611 ( d ) : Mandates the provision of results from the investigation and the correction or removal of inaccurate information.

Resolution Sought : I am requesting the following actions : 1. A thorough reinvestigation of my credit dispute.

2. Correction or deletion of the inaccurate information from my credit report.

3. A detailed explanation of the investigations findings.

4. A free updated copy of my credit report.

Desired Outcome : I seek a resolution to this dispute and assurance that Experian will comply with its legal obligations under the FCRA.

Thank you for your assistance in addressing this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: Bull City Financial Solutions, Inc
State: MI

Complaint narrative:
There is an unauthorized collection on my report, according to the The Fair Credit Reporting Act ( FCRA ) is codified under Title 15 of the United States Code ( U.S.C. ), Section 1681, and the following sections. Specifically, you can reference it as 15 U.S.C. 1681 et seq.

This must be removed due to inaccuracy

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: MN

Complaint narrative:
Date XX/XX/year> Amount- {$6700.00} The day that is being reported on my credit report is not valid

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 2024-12-02 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: FL

Complaint narrative:
I recently reviewed my credit report and noticed inaccuracies related to the account listed below : Account Name : XXXX XXXX Account Number : XXXX This account is inaccurately listed as a charge-off with several late payments, including 30, 60, 90, and 120-day delinquencies. I strongly believe this information is incorrect and unfairly impacting my credit score.

I respectfully request that this account be reinvestigated for accuracy. The inconsistencies are affecting my financial opportunities and costing me thousands of dollars in interest. Additionally, not all credit bureaus are reporting the same status for this account, which further indicates potential inaccuracies.

As a fair resolution, I request that this account be corrected to accurately reflect my payment history. If the account can not be verified within the required timeline under the Fair Credit Reporting Act ( FCRA ), I request that it be removed from my credit report.

I am attaching supporting documentation for your review, including the credit report entry and other relevant evidence. Please investigate this matter thoroughly to ensure compliance with 15 U.S. Code 1681i and 15 U.S. Code 1681e ( b ).

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Identify item resulting from identity theft that should be blocked or deleted as sun as possible. 

XXXX XXXX Requested on XX/XX/year> 2024

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 2024-12-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: TN

Complaint narrative:
XX/XX/XXXX, {$6200.00} - XX/XX/XXXX XX/XX/XXXX {$8700.00} - XX/XX/XXXX XX/XX/XXXX {$10000.00} - deferment entered XX/XX/XXXX Carried over to XXXX XXXX  XX/XX/XXXX something is now off or inaccurate XX/XX/XXXX {$20000.00} I notice is different No record of in between

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: TX

Complaint narrative:
I woke up this morning to find incorrect accounts on my credit report, and I dont understand what went wrong. I check my credit report regularly, and its always accurate, but suddenly there are discrepancies that make no sense. I tried refreshing my browser, thinking it might be an error, but the accounts are still there. Please, Im asking for a thorough review of the documents Ive submitted so I can stop living with this constant worry.

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 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
15 U.S. Code $ XXXX 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, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS CLAIM TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION.

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 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I put a freeze on my credit report more than a year ago. I need to lift the freeze for employment reasons. I tried to log into the site and had issues. I tried resetting the password. I did this for more than 30 minutes. I then looked up the phone number and called. I have been on hold for 20 minutes now with no human to speak with. This is with Transunion. I was able to release the freeze with XXXX and XXXX in just a few minutes. I can't loose my job over this issue. Please help.

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 2024-12-02 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: TX

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report and believe these to be fraudulent. This is a violation of the fair credit reporting act section 1681 ( b ) c and a serious breach of my privacy rights I formally requested that these fraudulent inquiries and accounts be immediately deleted my credit. There are several inaccuracies regarding balance amounts, payment dates, payment status ', and debts owed. I requested that the inaccuracies be corrected by Experian and XXXX, and no corrections have been made. I requested if anything comes, verified to show signatures and the original documents showing true accuracy. This was done beginning of XXXX last month. I also notated that they have 30 days to complete investigation as per fair credit reporting act section 611. Accounts remain on credit report, and no action has been taken.

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 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
" 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. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : XXXX XXXX  : XXXX  address : Dear ( Debt Collector ) 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. 
XXXX

Company response to consumer: Closed with explanation