vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-09 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 was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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: NE

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Charge Off XXXX XXXX - XXXX - {$7400.00} ( tu ) Personal Information Name : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: AR

Complaint narrative:
reporting a charge off on my credit report as a balanced owed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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: MD

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Against US Department of Education for Unauthorized Reporting of Late Payments on Student Loans To Whom It May Concern, This complaint is filed regarding the unlawful reporting practices by the US Department of Education ( US DEPT ED ) on my Equifax credit report. My student loan account, which is currently in a documented deferment status, has been improperly reported as having late payments from XX/XX/XXXX to XX/XX/XXXX. 
Nature of the Complaint Inaccurate Reporting and Privacy Violation Under 15 USC 1681b, I retain the right to privacy regarding my personal financial information. Reporting inaccurate late payments during a deferment period violates this right. 
Violation of Consumer Protection Laws Reporting these accounts as late without permissible purpose breaches 15 USC 1681s-2, which mandates accuracy in furnishing credit data to third parties. 
Aggravated Identity Theft and Defamation The unauthorized reporting of my student loan account has caused significant emotional distress and damage to my reputation. Under 18 USC 1028A, this act constitutes aggravated identity theft through the unauthorized use of my information.

Willful Noncompliance Under 15 USC 1681n, the US Department of Education has shown willful noncompliance by knowingly reporting my account as late during deferment. 
Account Information Creditor Name : XXXX Account Number : XXXX High Balance : {$10000.00} Reported Late Payments : XX/XX/XXXX to XX/XX/XXXX Balance Owed : {$0.00} Account Status : Transferred, Closed Account Type : Educational Loan Evidence of Errors Documented Deferment Status My student loan was in deferment during the period of XX/XX/XXXX to XX/XX/XXXX. Reporting late payments during this time is a direct violation of FCRA guidelines. 
Documentation Attached I have included a copy of my deferment documentation, credit report, government-issued ID, Social Security card , and proof of address to validate my claims. 
Requested Resolution I request that Equifax immediately remove the inaccurate late payments from my credit report for the period of XX/XX/XXXX to XX/XX/XXXX. I expect written confirmation of the correction within XXXX calendar days from receipt of this complaint. Failure to resolve this matter will result in further action to protect my rights under the FCRA. 
Attachments : Deferment documentation Copy of my credit report Copy of my government-issued ID Copy of my Social Security card Proof of address Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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: RI

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to formally file a complaint regarding XXXX XXXX XXXX inaccurate reporting of information on my credit reports, specifically between XXXX and Experian. These discrepancies violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and have caused harm to my credit profile.

Issues Identified : 1. Last Activity & Status Inconsistencies : XXXX reports the last activity date as XX/XX/year>. 
Experian, however, reports the last activity date as XX/XX/year>. 

This inconsistency causes confusion regarding the accuracy and completeness of the account 's reported information. 

2. Account Status Discrepancy : The account status for the XXXX XXXX account is reported as Open on XXXX. 
However, Experian reports the account status as Closed. 

This conflicting information raises questions about the account 's current state and the integrity of XXXX XXXX XXXX 's reporting practices. 

3. Late Payment & Payment Timeliness Reporting : The information regarding payments for this account is ambiguously reported. For example : XXXX shows " 92 % of payments made on time. '' Experian, however, reflects " 0 % of payments made on time, '' which is factually misleading. 

These claims do not reflect my actual payment history and lack explanation of discrepancies, leading to harm to my creditworthiness.

Violations of Consumer Protection Laws : These discrepancies violate the FCRA mandate that furnishers ensure the information they report is accurate and consistent ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ). Furthermore, XXXX XXXX XXXX has not demonstrated compliance with their duty to investigate and correct disputed information as prescribed under 1681s-2 ( b ).

Resolution Requested : I respectfully request that the Consumer Financial Protection Bureau to order the removal of this account from my credit report. 

I am including copies of my credit reports and supporting documentation detailing the discrepancies described above. I kindly request the CFPBs assistance in resolving this matter as soon as possible.

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 2024-12-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Dear PORTFOLIO RECOV ASSOC I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

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

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

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

4. Proof that the original creditor securitized the debt.

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

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

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

CollectionXX/XX/XXXX - {$0.00} XX/XX/XXXX {$0.00} Bankruptcy XX/XX/XXXXBankruptcyXX/XX/XXXX Bankruptcy - XXXX Inquiry XXXXXX/XX/XXXX XX/XX/XXXX Personal XXXX XXXX XXXX ( es ) : XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: ID Analytics, Inc.
State: MA

Complaint narrative:
Dear SageStream , LLC Consumer Center Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. 

Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. 

I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. 

Thank you for your attention to this matter. Please feel free to contact me at XXXX or via email at XXXX if you have any questions or need further information. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 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: CA

Complaint narrative:
I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.

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 2024-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Dear FTC and CFPB, I am writing to file a complaint against Capital One I believe that the collection agency has violated my rights under the Fair Debt Collection Practices Act ( FDCPA ). The collection agency has not provided me with validation information under 12 CFR 1006.34 ( b ) ( 5 ), but they have placed a collection on my consumer report. I have been given a chance to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( I ). The collection agency is violating my consumer rights by using false, misleading, misrepresentation, and deceptive means. The collection agency has no authority to furnish any account to a consumer reporting agency without providing any/all disclosures required by law. They are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1661-52 ( 7 ) ( A ). I am requesting that the FTC and CFPB investigate this matter and take appropriate action against the collection agency. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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: FL

Complaint narrative:
I am writing to formally dispute the debt referenced above, which you are attempting to collect on behalf of collections XXXX XXXX account # XXXX date opened XX/XX/XXXXXXXX XXXX XXXX XXXX account # XXXX date opened XXXX XXXX XXXX XXXX account # XXXX date opened XX/XX/XXXXXXXX XXXX XXXX XXXX account # XXXX XX/XX/XXXX I believe this debt is not mine and is a result of fraudulent activity. I request that you immediately investigate and remove all accounts related to this matter. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute debts that I believe are incorrect or fraudulent. I have reviewed my records thoroughly and have no knowledge or recollection of any account associated with this debt. This appears to be a case of mistaken identity or fraud, and I demand a full investigation into this matter. 

Please take the following actions : Provide Documentation : I require that you provide written verification of this debt, including a copy of the original agreement or contract bearing my signature and any other relevant proof that this debt is legitimately mine. 

XXXX XXXX XXXX Efforts : I demand that all collection activities, including phone calls, letters, or any further communication regarding this debt, cease immediately until you can provide clear evidence that this debt belongs to me. 

Remove from Credit Report : If this account is being reported on my credit report, I request that it be removed immediately unless you can provide sufficient documentation to prove my responsibility for this debt. 

Failure to provide proper validation and evidence of this debt, or failure to remove this fraudulent account, will leave me no choice but to pursue legal action. If this matter is not resolved promptly and to my satisfaction, I will take appropriate steps, including filing a lawsuit for violations of my rights under the FDCPA and FCRA. Additionally, I will seek damages for any harm caused to my credit and any emotional distress caused by your collection efforts. 

I request a response within 30 days of receipt of this letter. Should you fail to validate this debt or remove it from my credit report, I will not hesitate to escalate this matter to the appropriate legal authorities, including the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. 

Please be advised that I am keeping a detailed record of all correspondence regarding this dispute and will take necessary legal action if required. I expect immediate attention to 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 non-monetary relief
Consumer complaint received 2024-12-09 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: FL

Complaint narrative:
I am writing to formally dispute the debt referenced above, which you are attempting to collect on behalf of collections XXXX XXXX account # XXXX date opened XX/XX/XXXXXXXX XXXX XXXX XXXX account # XXXX date opened XX/XX/XXXXXXXX XXXX XXXX XXXX account # XXXX date opened XX/XX/XXXXXXXX XXXX XXXX XXXX account # XXXX XX/XX/XXXX I believe this debt is not mine and is a result of fraudulent activity. I request that you immediately investigate and remove all accounts related to this matter. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute debts that I believe are incorrect or fraudulent. I have reviewed my records thoroughly and have no knowledge or recollection of any account associated with this debt. This appears to be a case of mistaken identity or fraud, and I demand a full investigation into this matter. 

Please take the following actions : Provide Documentation : I require that you provide written verification of this debt, including a copy of the original agreement or contract bearing my signature and any other relevant proof that this debt is legitimately mine. 

XXXX XXXX XXXX Efforts : I demand that all collection activities, including phone calls, letters, or any further communication regarding this debt, cease immediately until you can provide clear evidence that this debt belongs to me. 

Remove from Credit Report : If this account is being reported on my credit report, I request that it be removed immediately unless you can provide sufficient documentation to prove my responsibility for this debt. 

Failure to provide proper validation and evidence of this debt, or failure to remove this fraudulent account, will leave me no choice but to pursue legal action. If this matter is not resolved promptly and to my satisfaction, I will take appropriate steps, including filing a lawsuit for violations of my rights under the FDCPA and FCRA. Additionally, I will seek damages for any harm caused to my credit and any emotional distress caused by your collection efforts. 

I request a response within 30 days of receipt of this letter. Should you fail to validate this debt or remove it from my credit report, I will not hesitate to escalate this matter to the appropriate legal authorities, including the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. 

Please be advised that I am keeping a detailed record of all correspondence regarding this dispute and will take necessary legal action if required. I expect immediate attention to this matter.

Company response to consumer: Closed with non-monetary relief