vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX # XXXX**** - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: LEXISNEXIS
State: AL

Complaint narrative:
Lexisnexis is reporting false public record on my report i spoke with the courts that they say it was filed in and they told me they don't send information to any reporting agency 's

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
Improper Reopening and Reporting of a Time-Barred Debt from XXXX by 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 Complaint Details : In XXXX, I discovered that XXXX XXXX XXXX XXXX and reported a debt allegedly from XXXX, originally owed to XXXX  I became aware of this debt during a rental application when reviewing my credit report. I was never contacted by XXXX XXXX XXXX regarding this debt, which raises significant concerns about their collection and reporting practices. 

Statute of Limitations in California : California 's statute of limitations for most consumer debts, including telecommunications debt, is four years under the California Code of Civil Procedure 337. 
The debt in question originates from XXXX and would therefore have been time-barred by XXXX. Despite this, SW Credit Systems reopened and reported the debt, which may violate consumer protection laws governing time-barred debts. 

Failure to Notify or Validate Debt : I was never contacted by SW Credit Systems about this debt, denying me the opportunity to dispute or validate it as required by the Fair Debt Collection Practices Act ( FDCPA ). 
Their lack of communication raises questions about the legitimacy of the debt and their adherence to proper procedures. 

Credit Reporting Concerns : The reopening and reporting of this debt by SW Credit Systems in XXXX have negatively impacted my credit report and, as a result, my ability to secure housing in XXXX. 
Reporting a time-barred debt without proper validation may constitute inaccurate reporting and is harmful to consumers.

Potential Errors in Reporting and Collection : The age of the debt, the absence of direct communication, and its sudden appearance on my credit report suggest improper practices by SW Credit Systems, including possible violations of the FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 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: DC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a student loan account opened at XXXX on XX/XX/XXXX Account number ( XXXX ) an student loan account opened at XXXX on XX/XX/XXXX Account number ( XXXX ) an student loan account opened at XXXX on XX/XX/XXXX Account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 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:
This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

This fraudulent, inaccurate, and false information consists of a few Personal credit card accounts. 
ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX  DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX  DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX  DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX  DATE OPENED : XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer FICO credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of the FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all previous consumer credit accounts, collections, and hard inquiries result from identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 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:
This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency , block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

This fraudulent, inaccurate, and false information consists of a few Personal credit card accounts. 
ACCOUNT NAME : XXXX  ACCOUNT NUMBER : XXXX  DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX  ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX  DATE OPENED : XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer FICO credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of the FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all previous consumer credit accounts, collections, and hard inquiries result from identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
XXXX, tried to fixe my credit, despite with them, the company just put the amount higher.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME

Complaint narrative:
I requested my online Annual Credit Report and Trans Union sent a code by text to my phone. I input THE CORRECT CODE into their option, and they refused to give me my online report. I then called on the phone and was not given an option to receive assistance for my annual credit report. At the end of the call, a recording said it would be mailed to my address AND I AM NOT THERE!! So now, my private information will be floating around, while I am in another state!! WHY AM I DENIED MY CREDIT REPORT ONLINE??? If I wanted it mailed to me, I would have asked for it! Now because this company was FRAUDULENT, and LIED and stated that my code did not work A LIE, it was the correct code, I will NOT receive my credit report that was mailed and will be returned!! I want my annual credit report ONLINE. Why is that a problem?? Now I will be lucky if it is not stolen from my mail!! Why did this company need to PLAY GAMES?!

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 2024-12-28 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:
I am a victim of identity theft, and fraudulent accounts have been reported on my credit file. These accounts were opened without my knowledge or consent and are causing severe harm to my financial stability and emotional well-being. Despite my efforts to resolve this issue, these fraudulent accounts remain on my credit report. 

The most damaging fraudulent account is a XXXX car loan, opened in XX/XX/year>, which is falsely reported as a valid debt. This loan was not authorized by me, and its continued presence on my credit file is unjust and unlawful. Additionally, I have identified other fraudulent accounts, including : XXXX XXXX XXXX XXXX - {$530.00} XXXX XXXX XXXX - {$700.00} XXXX XXXX XXXX - {$1100.00} XXXX XXXX XXXX XXXX - {$1300.00} I have submitted all necessary evidence, including my FTC Identity Theft Report, a copy of my government-issued ID, and proof of address, to support my claim. Under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681c-2 ], I am entitled to the immediate removal of fraudulent accounts from my credit file. The continued reporting of these accounts also violates [ 15 U.S.C. 1681s-2 ], which prohibits the furnishing of inaccurate information to credit bureaus.

I am requesting urgent action to correct these errors. The failure to act promptly exacerbates the financial and emotional harm caused by this identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 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: AR

Complaint narrative:
In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank
State: OK

Complaint narrative:
XX/XX/year> : I received my declined letter from first digital but unsure what or why it states " insufficient auto finance collection experience ''. 

I did not apply for employment, I applied for a credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: SC

Complaint narrative:
I am writing to inform you that I am a victim of a data breach and request that the following accounts and inquiries be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts are not authorized by me, and I believe they are the result of identity theft or fraudulent activity linked to the data breach. 
Fraudulent Accounts XXXX XXXX XXXX XXXXXXXX Account : XXXX Date : XX/XX/XXXX Amount : {$230.00} XXXXXXXX XXXX XXXXXXXX Account : XXXX Date : XX/XX/XXXX Amount : {$140.00} XXXX XXXX XXXX  Account : XXXX  Date : XX/XX/XXXX Amount : {$19000.00} XXXXXXXX XXXX XXXX  Account XXXX XXXX Date : XX/XX/XXXX Amount : {$45000.00} XXXX. XXXX XXXX XXXX XXXX Account : XXXX Date : XX/XX/XXXX Amount : {$19000.00} XXXX. XXXX Account : XXXX Date : XX/XX/XXXX Amount : {$650.00} Fraudulent Inquiry : XXXX XXXX  A Date : XX/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 2024-12-28 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:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX # XXXX**** - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: SLM CORPORATION
State: SC

Complaint narrative:
I account showed up on on my credit a couple months ago after trying to build my credit. I have no idea where its from.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-12-28 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 HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX  Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2024-12-28 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: FL

Complaint narrative:
I am filing this formal complaint to request your assistance in resolving a dispute regarding an inaccurately reported account on my credit reports with Experian and XXXX. Specifically, the account in question is : XXXX XXXX Account XXXX XXXX This account is currently reported as a charge-off with the designation Profit and Loss Write-off by Grantor. However, I believe this information is inaccurate and constitutes a violation of the Fair Credit Reporting Act ( FCRA ) Section 623 ( 15 U.S.C. 1681s-2 ). 

If this account was indeed charged off as a profit and loss write-off, I should have received a Form 1099-C from XXXX XXXX, as required by IRS regulations for reporting the cancellation of debt. Since I have not received this form, it raises serious concerns regarding the accuracy of the reporting : 1. The account is being inaccurately reported to the credit bureaus, violating FCRA Section 623. 
XXXX. XXXX XXXX may have failed to report the charge-off correctly to the IRS, potentially indicating fraudulent or negligent activity.

Under the FCRA, creditors are obligated to furnish accurate, complete, and verifiable information to credit bureaus. Any inconsistencies between a creditors internal records and IRS filings, or between how the account is reported to credit bureaus, represent a clear violation of federal law.

Furthermore, under the FCRA, statutory damages may be sought if a creditor furnishes inaccurate information about a debt, such as misreporting a charge-off while continuing to claim the debt is owed.

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 2024-12-28 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: TX

Complaint narrative:
I reviewed my credit score and noticed several inaccurate information. I understand that you will review this matter within a reasonable amount of time. Below, I have provided the account in reference. 

XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-12-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Service International Corp
State: FL

Complaint narrative:
I dispute these account several time. They remove the debt temporarily then added back to my report. I ask for proof several time no info was provided. I even received letter that the debt and account was closed. Last time I spoke with them they refuse to knowledge that the account was deleted for same amount and the reported for same amount a month later.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
During covid-19 My landlord insisted that all his tenants should get on the program to help the future rent payments. I was told to come to the property managers office and they would set up the account and reach out to the rental assistance. Rental assistance paid the amount that they said was due. The amount could have been correct because I wasn't behind on my rent. The property manager came up with a balance and rental assistance paid and then months later when rental assistance shut down. I was facing and eviction me and my child was evicted. The owner of the property then sold the property to someone else after rental assistance sent the checks out to the property owner.

Company response to consumer: Closed with explanation