vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have concrete evidence to prove that a few of these debits that occurred between XXXX to present are the result of someone stealing my Identity. This evidence includes documentation by government agencies showing where I lived during those years, witness statements, and other pertinent information that clearly demonstrates I was a victim of identity theft. 
Furthermore, I can attest that I was never served by any plaintiff or officer with a court date related to a few of those case 's. I had no knowledge of the legal proceedings taking place against me, and therefore, was deprived of the opportunity to defend myself in court. I have only ever lived at the below addresses : XXXX : my fianc and I live at XXXX XXXX XXXX XXXX XXXX XXXX XXXX : living with my older sister at XXXX XXXX XXXX XXXX Ca XXXX : XXXX. Homeless Shelter/Halfway house XXXX : Homeless XXXX : i lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX lived on XXXX XXXX just off of XXXX XXXX XXXX i lived on XXXX XXXX just off of XXXX and XXXX XXXX : I was serving in the XXXX, my duty stations were- XXXX XXXX XXXX  XXXX XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: CA

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report.

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items.

The identity of the entity or entities responsible for conducting the verification process.

Any documentation or evidence used to substantiate the accuracy of the disputed items.

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 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: WA

Complaint narrative:
I HAVE CONSISTENTLY CHALLENGED THE INACCURACIES IN THE FOLLOWING INFORMATION WITH EXPERIAN AND UNFORTUNATELY, THE ISSUE REMAINS UNRESOLVED TO THIS DAY. 

1. Under 15 US Code 1692f ( 1 ). Unfair PracticesXX/XX/XXXXAccount Number : XXXX Misleading and False Reporting- This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g )

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 2024-05-20 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-05-20 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: CCS Financial Services, Inc.
State: WI

Complaint narrative:
EVERY weekday they try calling. I have asked at least 10 times for them to stop calling. I have also done this by calling back the number at least 3 times to ask them to stop calling. The calls are from CCS. I have told them I will sue for harassment, and they keep calling! They already mail letters, I don't need phone calls! This has been happening for at least 2 months now and enough is enough.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: WI

Complaint narrative:
It is disheartening to come across an error indicating a late payment on my account, especially considering my consistent track record of meeting payment deadlines. This oversight is causing unnecessary stress, and I urge you to promptly correct it by ensuring my records accurately reflect my payment history.

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 2024-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital one closed all my credit card accounts for no reason. I have been a loyal customer with them for years and this is extremely upsetting, I dont think I will ever do business with them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have identified that there are unauthorized inquiries on my credit report. The listed inquiries on the letter was without authorization, and for no legitimate business purposes. 
Please delete these inquiries from my credit report. For the company to do what fair and equitable to me as a consumer by deleting the items identifies as Identity theft from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: AR

Complaint narrative:
I am reaching out to seek assistance in addressing and reporting inaccurate accounts to my report. Despite diligent efforts, I have been unable to ascertain its origin or relevance.

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 2024-05-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Georgia Student Finance Authority
State: GA

Complaint narrative:
in XXXX I started collage at XXXX XXXX  in the XXXX XXXX. 
I agreed to a grant from the Georgia Student Finance Authority of XXXX XXXX dollars for that program that would need to be repaid if i did not enter the engineering field in GA for at least 2 years after graduation. 
In XXXX XXXX i swapped over to the XXXX XXXX due to some politics, and personal dynamics that were not conducive to my success in the XXXX XXXX. 
in XXXX  XXXX I stopped going to the school in search of a position in XXXX XXXX within the state of Georgia such that I can finance the XXXX classes I had left. 
in XXXX i got a position with XXXX XXXX XXXX XXXX XXXX  for XXXX XXXX  remotely. 
In XXXX or there about i noticed that XXXX was reporting that an account of mine was " delinquent '' early XXXX i looked into getting access to their site to figure out what information i could gather and could not get any information from the site due to the site refusing to accept a legitimate Zip code. 
in XXXX I received a letter from the Georgia Department of Revenue about them seizing my tax return about this grant in an amount greater then the grant amount.

during this time I had received NO notice of anything regarding this grant since the date I started collage at XXXX. i had receive no bill, no calls or other contact regarding this alleged debt. no notice that the grant needed to be repaid, nothing.

I filed an letter with the department of revenue and the Georgia student finance authority requesting an appeal detailing these issues, and they immediately refunded the money. 
On the week of XXXX XXXX XXXX XXXX i received another notice of such a seizure and proceeded to get more information.

They refused to provide any information about the grant and refused to do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: AR

Complaint narrative:
I respectfully request that you conduct a thorough investigation into these discrepancies and take prompt action to correct the inaccuracies on my credit report. Furthermore, I kindly ask for written confirmation once the necessary corrections have been made.

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 2024-05-20 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: AR

Complaint narrative:
I am reaching out to seek assistance in addressing and reporting inaccurate accounts to my report. Despite diligent efforts, I have been unable to ascertain its origin or relevance.

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 2024-05-20 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: IL

Complaint narrative:
On XX/XX/2024 IQ data responded to a complaint about an unauthorized account on my credit report. I requested the company 's license and bond to operate in the state of Illinois. They refused to provide it and suggested I search them on the Illinois data base. I searched and they are not registered. I researched on the national database. They are licensed in 15 states. Illinois is not one of them. 
In addition, I am writing to request documentation pertaining to the alleged debt associated with the alleged account. Specifically, I request a copy of the contract between your agency and the original creditor related to the collection of this debt, as well as the original creditor 's 1099-C form for the alleged debt. 
Furthermore, I would like clarification on whether your company followed the requirements outlined below prior to reporting the alleged debt : 1. Did your company speak with me, XXXX, in person regarding this debt? 
2. Did your company speak with me, XXXX, by telephone regarding this debt? 
3. Was a letter mailed to me, XXXX, and was a reasonable amount of time,30 days given for a notice that the letter wasn't delivered? 
5. Was an electronic communication sent to me, XXXX, and was a reasonable amount of time ( 30 days ) given for a notice that the message wasn't delivered? 
6. Additionally, please provide information regarding who authorized the pulling of my credit report in relation to this alleged debt. Furthermore, I would like to inquire about if the alleged account is currently eligible to join in any lawsuits or class action lawsuits against the original creditor. If so how does that effect your company 's attempt to collect the alleged debt. Your prompt attention to this matter would be greatly appreciated

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: CREDIT ACCEPTANCE CORPORATION
State: MO

Complaint narrative:
Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear CREDITACPT, I am writing to address a significant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), alongside the Missouri Revised Statutes and identity theft fraud laws, specifically Missouri Statute 570.223.

It has unequivocally come to my attention that CREDITACPT has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that consumer consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law emphasizes the necessity of consumer consent for credit reporting. Furthermore, Missouri identity theft laws, such as Missouri Statute 570.223, underscore the severity of unauthorized access and misuse of personal information.

I assert with unwavering certainty that I have not provided consent for CREDITACPT to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.

I demand, with the utmost certainty, that CREDITACPT immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri identity theft fraud laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity theft fraud laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that CREDITACPT will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
Claim # XXXX XXXX was fraudulently stolen from my account. I trusted the bank to return my money and follow up yet they continue to deny my claims and their reasoning is either I authorized it or gave permission to someone to use my account. Ive sent a police report that disputes that argument % XXXX. I wasnt in the state of California when these transactions took place and I sent proof multiple documents plus my picture ID from another state to be compared to any footage. I am sending a demand letter for them to resolve this without legal council but if they continue to lie and keep my money from me then I will seek help of the federal courts! Ive done everything on my behalf to prove that my money was stolen from my account. This is unjust and unlawful and the bank knows it. Theyre abusing their power and trying to take advantage of the everyday people who use their banking system. I refuse to remain a victim!

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 2024-05-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 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 2024-05-20 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.

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 2024-05-20 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: GA

Complaint narrative:
I am reaching out to XXXX XXXX regarding a late payment on my credit report. 
As a consumer, I am made aware that 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. With this being said, please show proof where my periodic statement was sent regarding these one late payment. If a periodic statement can not be sent showing where this late payment occurred, please do your due diligence to update these one late payment. They are only affecting my financial reputation but also causing financial harm to myself. 

Account XXXX XXXX - XXXX Last 4 digit of SSN : 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 2024-05-20 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: GA

Complaint narrative:
I am reaching out to XXXX XXXX regarding a late payment on my credit report. 
As a consumer, I am made aware that 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. With this being said, please show proof where my periodic statement was sent regarding these one late payment. If a periodic statement can not be sent showing where this late payment occurred, please do your due diligence to update these one late payment. They are only affecting my financial reputation but also causing financial harm to myself. 

Account XXXX XXXX - XXXX Last 4 digit of SSN : 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 2024-05-20 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: NJ

Complaint narrative:
Under the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15U.S.C 1681. 

XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX, XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX/DEPT OF ED Account # XXXX, XXXX, XXXX  XXXX XXXX, Bankruptcy XXXX  XXXX Case Account # XXXX 15 U.S.C. 1681 Section 602A states that I have the right to privacy.

15 U.S.C .1681 Section 2 604A states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. Section ( a ) ( 5 ) states : No consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information other than records of convictions for crimes that antedate 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