vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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: CA

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

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 2024-06-10 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: CA

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

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 2024-06-10 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: TX

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-06-10 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: VA

Complaint narrative:
I contact both XXXX and transunion to explain I was going through identity theft and there are hard inquiries that I did not authorize on my account. I explained to them I wanted them removed and what process I had to go through to have them removed. They simply told me I would need the FTC and the cfpb reports before they can move forward with removal of the three heart inquiries. I also stated to them that I had some issues with the IRS due to the identity theft as well to let them know this is not stop just on the credit bureau.

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 2024-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
From the last correspondence in case # XXXX, the company admitted to attempting to fraudulently collect on a debt past the Statute of limitations. I live in the state of XXXX where the Statute of limitations legally is 3 years for credit card debt, it is now year XXXX. Also, you continue to illegally send mailed correspondence to one of my rental addresses. You continue to break the State laws by attempting to illegally collect on a debt that you have already admitted to having since XXXX XXXX, it is now XXXX. I have also sent a Congressional letter to my state officials because of your continued harassment and illegal collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
Recently I was looking at my credit report because I am trying to buy a house. I noticed Navy Federal reporting late payments on my report from this year. I am confused because I was reading the fcra online and 15 USC 1666b says late payments are not to be reported. The reporting of this adverse information is affecting my ability to obtain a loan and properly support my XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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:
XXXX XXXX XXXX Account Number- XXXX To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe.

Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with 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 2024-06-10 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: NJ

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute an issue with Experian concerning incorrect information on my credit report. Despite my numerous attempts to resolve this matter directly with Experian, I have encountered significant difficulties, which have not been adequately addressed. This issue is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Metro 2 compliance standards for accurate and consistent reporting of consumer credit information. 

Details of the Issue : Incorrect Names and Addresses : My credit report with Experian contains the following incorrect names and addresses : Address ID : XXXX / Report number : XXXX Address ID : XXXX / Report number : XXXX Names : XXXX XXXX and XXXX XXXX XXXX These inaccuracies are resulting in someone else 's information being mixed with mine on my credit report. My correct name is XXXX XXXX XXXX. 
These inaccuracies violate Metro 2 compliance standards and are impacting my credit score, causing confusion in my financial dealings.

Failure to Address Dispute : I have sent multiple dispute letters to Experian via mail, requesting the removal of this incorrect information. However, it appears my mail has not been read or acted upon. 
I have also made numerous phone calls to the advertised number ( XXXX ) XXXX, which automatically states that I can not speak to a live representative. 
Despite my efforts, the incorrect information remains on my credit report. 
Impact on Me : The presence of inaccurate information on my credit report is a direct result of Experians violation of the FCRA and Metro 2 compliance standards, which mandate that credit reporting agencies maintain accurate and fair credit information. 
This issue is severely affecting my creditworthiness and causing me undue stress and financial harm.

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 2024-06-10 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: TX

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: TX

Complaint narrative:
I am personally filing this complaint to address an issue regarding late payment entries on my credit report. Upon reviewing my records, I discovered these late payment listings. However, more than 30 days ago, I sent correspondence about this matter, but I have not received a response, and they have failed to provide me with adequate validation of these supposed late payments. I kindly request your assistance in resolving this issue promptly and satisfactorily.

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 2024-06-10 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: FinCo Services Inc DBA Current
State: VA

Complaint narrative:
Closed account need then to remove account from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I tried to resolve this with Macy 's. Complaint XXXX. 

On XX/XX/year> a sales associateat Macy 's Boston store without my permission signed me up for a Macy '' s " XXXX XXXX '' card. I do not want this card, I want to keep my origional Macy 's card,. 

XXXX XXXX at Macy 's executive office was unable to prevail on Citibank to give me my old card back.

Citibank supports both these card products, I see no reason why they can not cancel the card I di not authorize and return my Macy 's card that I did not request be cancelled. 

I worked for XXXX XXXX for many years. This resulted in many years of compliance training classes. I never saw anything in all these classes that indicated it was legal to sign someone up for a credit card they did not want.

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 monetary relief
Consumer complaint received 2024-06-10 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 recently obtained a copy of my credit report and noticed that it contained numerous inaccuracies, indicating I am a victim of identity theft. These companies are in violation of the Fair Credit Reporting Act ( FCRA ), which mandates the accuracy and privacy of consumer information. 

Under the FCRA, specifically XXXX ( 15 U.S.C. 1681i ), consumers have the right to dispute inaccurate information in their credit reports, and credit reporting agencies are required to investigate and correct any inaccuracies. Additionally, as per XXXX ( 15 U.S.C. 1681c-2 ), I am entitled to have fraudulent information resulting from identity theft blocked from my credit report. 

Furthermore, any communication by debt XXXX regarding these inaccuracies violates my rights under the Fair Debt Collection Practices Act ( FDCPA ) XXXX ( c ) ( 15 U.S.C. 1692c ). According to this provision, if I notify a debt collector in writing that I refuse to pay a debt or wish for them to cease communication, they are required to stop, except under specific circumstances. 

In light of these regulations, I formally request the removal of all inaccurate and fraudulent information from my credit report. Please address this issue promptly to comply with federal laws and ensure my credit report accurately reflects my financial history. 
these companies are in violation of the FCRA XXXX. reporting to my consumer report is a form of communication XXXX. Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except- ( XXXX ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( XXXX ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( XXXX ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be complete upon receipt. please remove this information off my report. 

these are the account stemming from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-10 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:
I recently obtained a copy of my credit report and noticed that it contained numerous inaccuracies, indicating I am a victim of identity theft. These companies are in violation of the Fair Credit Reporting Act ( FCRA ), which mandates the accuracy and privacy of consumer information. 

Under the FCRA, specifically XXXX ( 15 U.S.C. 1681i ), consumers have the right to dispute inaccurate information in their credit reports, and credit reporting agencies are required to investigate and correct any inaccuracies. Additionally, as per XXXX ( 15 U.S.C. 1681c-2 ), I am entitled to have fraudulent information resulting from identity theft blocked from my credit report. 

Furthermore, any communication by debt XXXX regarding these inaccuracies violates my rights under the Fair Debt Collection Practices Act ( FDCPA ) XXXX ( c ) ( 15 U.S.C. 1692c ). According to this provision, if I notify a debt collector in writing that I refuse to pay a debt or wish for them to cease communication, they are required to stop, except under specific circumstances. 

In light of these regulations, I formally request the removal of all inaccurate and fraudulent information from my credit report. Please address this issue promptly to comply with federal laws and ensure my credit report accurately reflects my financial history. 
these companies are in violation of the FCRA XXXX. reporting to my consumer report is a form of communication XXXX. Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except- ( XXXX ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( XXXX ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( XXXX ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be complete upon receipt. please remove this information off my report. 

these are the account stemming from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-06-10 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: 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.

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 non-monetary relief
Consumer complaint received 2024-06-10 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: PA

Complaint narrative:
Consumer reporting agencies continually furnish my income on my consumer reports. I wrote letters with evidence and still no deletions have been made. They continue to break the law and defamation of character. In violation of 15 USC 1681.

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 2024-06-10 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Consumer reporting agencies continually furnish my income on my consumer reports. I wrote letters with evidence and still no deletions have been made. They continue to break the law and defamation of character. In violation of 15 USC 1681.

Company response to consumer: Closed with non-monetary relief