vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-17 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: MI

Complaint narrative:
RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX, XXXX XXXX XXXXXXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by XXXX, XXXX, Equifax. XXXX, XXXX, Equifax has violated my consumer rights and violated federal law. This is the FOURTH attempt to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I did not authorize nor consent to any of the following accounts or inquiries being on my credit report. I am aware of my consumer laws as you are able to see based on the documents attached. I demand that all accounts that are negatively affecting my credit rating and violating my consumer rights be removed or block from my credit report. I will pursue damages for each account that is in violation if not updated XXXX XXXX XXXX XX/XX/year> - This inquiry was not authorized XXXX XXXX XXXX XXXX XXXX  - This inquiry was not authorized XXXX XXXX XXXX - XX/XX/year> - This inquiry was not authorized XXXX XXXX XXXX XXXX XXXXXX/XX/year> - This inquiry was not authorized

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 2024-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Upon reviewing my credit report, I found billing inaccuracies. The late payments shown aren't consistent with my regular payment behavior. Kindly correct them and update my account.

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 2024-10-17 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: MS

Complaint narrative:
I came across billing errors on my credit report. The late payments shown are not representative of my normal payment history. Kindly fix these errors and update my account.

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 2024-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
To whom it may concern my debt was paid off and written off by the Credit company, therefore I am not obligated to pay if again. XXXX XXXX is collecting illegally. I have asked several times for LVNV Funding LLC to provide me with the following documents, but they failed to do so. debt validation claims per 15 USC1692G 1 They didn't provide me with a full detailed list of payment history on this account. the original signature that I agreed to on the contract with the creditor. Has there been any insurance claim found on this debt, the claim of Title that they have to collect on this debt. All they keep providing is a letter of explanation and a copy of the billing statements only. No other documents reflecting chain of title, a contract between them and the original creditor, or if there authorized to collect on this debt. no contract with my signature with the original creditor. or if there were insurance claim on this debt. since they can't provide all the documents, I requested it should be removed from my credit report per 15USC1692-C I and FDCR Laws Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 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: AL

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 explanation
Consumer complaint received 2024-10-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Westlake Services, LLC
State: CA

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX To whom it XXXX concern, After reviewing my credit reports, Ive noticed these unknown accounts. These accounts are products of identity theft, I am denying any responsibility for these accounts. 

XXXX XXXX : WESTLAKEFINANCIAL SVC-Account # XXXXXXXX XXXX XXXXAccount # XXXX Now please send all copies of the original documentation that legally connects me to these accounts, Also, the true ownership of the debt. These are unknown accounts to me and if you cant send me any proof, they must be removed. Please cease all collection attempts and remove accounts. Please respond in writing within 30 days so we can resolve this matter without any more violations. 



Best Regards, XXXX XXXX Without Prejudice, All Natural Inalienable Rights Reserved

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 2024-10-17 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:
I am writing to follow up on a previous communication regarding inaccuracies on my consumer report related to late payment entries. It has come to my attention that my report still inaccurately lists late payments for my account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX where I have consistently made timely payments.

As you are aware, the Fair Credit Reporting Act ( FCRA ) requires consumer reporting agencies to ensure that all reported information is accurate and complete. I kindly request a thorough investigation into these discrepancies.

Please provide verifiable documentation, such as account statements, that demonstrate any alleged late payments. If such proof can not be provided within the standard timeframe allowed by FCRA, I respectfully request that my report be updated immediately to reflect my true, on-time payment history, in compliance with FCRA Section 611.

This serves as my second formal request, and although I remain hopeful for a swift and amicable resolution, please be informed that if these inaccuracies are not corrected, I shall consider seeking legal counsel to ensure compliance with federal regulations.

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 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I've noticed mixed information in my credit report, which is affecting my scores. I believe it's crucial to have accurate information in my credit report for future financial transactions.

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 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc.
State: FL

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 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 cell phone account opened at XXXX on XX/XX/XXXX Account number ( XXXX ) an auto loan opened at XXXX XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) a personal credit card at XXXX  XXXX on XX/XX/XXXX Account number ( XXXX ) a personal credit card opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) An Collection Opened at XXXX XXXX, XXXX on XX/XX/XXXX Account number ( XXXX ) An Collection Opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) An Collection Opened at XXXX 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 ) ( XXXX ) ( 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 explanation
Consumer complaint received 2024-10-17 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
To Whom it May Concern : On XX/XX/XXXX I went to the XXXX XXXX XXXX XXXX capital one location to get XXXX XXXX  for an upcoming trip. I was charged XXXX at an exchange rate of XXXX. Yesterday XX/XX/XXXX I went and was told they do not have my currency and that I would be charged for them to get the money and send it back. They claim to have called me but left no message. On the XXXX of XXXX I was called and they did leave a message to which I immediately returned so I do not believe they ever contacted me. Now I do not have my yen and have been told they will return less that XXXX dollars to my account. I tried calling customer service and after being on the phone for almost a hour and being put on hold 7 times I was told there was nothing they could do. Today I tried to find an email I could file a complaint to but there isn't one. Tomorrow I will go back and inform them I have filed this complaint and I plan to remove my accounts with them if they do not resolve this to my satisfaction. 

Best Regards XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that XXXX, TransUnion, & XXXX didn't make sure it was reporting 100 % correct. 

In accordance with the FCRA and Metro 2 compliance reporting standards.

Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that XXXX, TransUnion, & XXXX have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.

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 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that Experian, XXXX, & XXXX didn't make sure it was reporting 100 % correct. 

In accordance with the FCRA and Metro 2 compliance reporting standards.

Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that Experian, XXXX, & XXXX have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.

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 2024-10-17 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: MS

Complaint narrative:
I noticed billing mistakes on my credit report. The late payments listed don't align with my usual payment record. Please correct these issues and update my account.

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 2024-10-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc.
State: FL

Complaint narrative:
As a victim of debt bondage, a severe form of human trafficking. I was coerced into accumulating debts, resulting in multiple derogatory marks on my credit report. I am collaborating with a representative from the XXXX XXXX XXXX, an organization dedicated to helping survivors of human trafficking. Together, we are invoking Section 605C of the Fair Credit Reporting Act ( FCRA ), which obligates credit reporting agencies to exclude adverse information resulting from trafficking once an official claim has been submitted.

DEPT OF EDUCATION/NELNET account XXXX XXXX DEPT OF EDUCATION/NELNET account # XXXX DEPT OF EDUCATION/NELNET account # XXXX DEPT OF EDUCATION/NELNET account # XXXX DEPT OF EDUCATION/NELNET account XXXX XXXX DEPT OF EDUCATION/NELNET account # XXXX DEPT OF EDUCATION/NELNET account # XXXX DEPT OF EDUCATION/NELNET account # XXXX DEPT OF EDUCATION/NELNET account XXXX XXXX DEPT OF EDUCATION/NELNET account # XXXX DEPT OF EDUCATION/NELNET account # XXXX DEPT OF EDUCATION/NELNET account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.

Complaint narrative:
We ( XXXX XXXX XXXX XXXX XXXX ) received 2 letters from Caine & Weiner, a law firm across the country, attempting to collect a {$13000.00} debt on behalf of " XXXX '' - a company that we had to look up as we had never even heard of them before receiving this letter ( late XX/XX/XXXX ). I left a message for XXXX XXXX ( XXXX ) in XX/XX/XXXX to let her know this was an attempt to collect a false debt and that she needs to contact her client to get the correct info because we do not owe them anything and the below email was also sent on XX/XX/XXXX .... with no response : Good Afternoon, This email is in response to a letter received today ( copy attached ). We are disputing this collection as we have never done business with, applied for credit with nor even heard of XXXX. This is a phantom collection attempt and will be reported to the FTC if any attempts to collect continue. Please confer with XXXX to get the correct account/customer information and provide a written acknowledgement of receipt of this email and how you plan on closing out this account, as again, we do not owe XXXX or Caine & Weiner any funds. I look forward to your response. 

Another email was sent to Ibis and complaints were filed XX/XX/XXXX due to the receipt of another collections letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 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: LA

Complaint narrative:
XXXX XXXX  account number XXXX for {$2500.00}, XXXX XXXX XXXX  account number XXXX for {$680.00}, XXXX  account number XXXX for {$600.00}, XXXX XXXX  account number XXXX for {$1300.00}, XXXX XXXX  account number XXXX for {$360.00}, XXXX  New account number XXXX for {$2800.00}, XXXX XXXX account number XXXX for {$150.00}, XXXX account number XXXX for {$3900.00}. I am the victim of identity theft. There are data breaches that are affecting me, I have run a dark web scan and it has confirmed that my personal information is being tracked to activity on the dark web and this is causing incorrect reporting to my credit. I am asking that you investigate and remove these incorrect accounts from my credit report.

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 2024-10-17 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: NC

Complaint narrative:
I am a victim of FRAUDULENTLY REPORTING OF ERRONEOUS INFORMATION. XXXX and Transunion are still reporting inaccurate information from XXXX XXXX XXXX XXXX on my credit report. Company is in direct violation of 15 USC 1692e False or misleading representations. I have EVIDENCE from the CFPB website that XXXX has already removed the account from my credit report for the violation of 15 USC 1692e. CFPBCOMPLIANT # XXXX. Pursuant to the Fair Debt Collection Practices Act. 15 USC, Sec. 1601 et seq, this constitutes timely written notice that the law requires the return of the attached erroneous purported debt which is unsigned and unattested, and which I herein discharge and cancel in its entirety, without dishonor, on the grounds of breach, false representation and fraud. These claims are bonded and under the mandates of Article VII of the Bill of Rights.

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 2024-10-17 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: NC

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I submitted a request to your organization in relation to incorrect credit score from all 3 credit bureaus Such as XXXX, Equifax and XXXX. Since then, XXXX, Equifax and XXXX have significantly increased my credit score. The last issue I am experiencing is inaccurate Fico score with all 3 Bureaus. XXXX has my Fico score listed as XXXX, Equifax XXXX, XXXX XXXX. 


I do not believe the Fico score in accurate. I have a credit balance {$1300.00}. Which you need some sort of credit card debt to keep score high. However, I am getting a message from the XXXX website to pay off at least {$480.00} and the Fico score will go up at least XXXX points. Thus, this will decrease my credit card debt and lower my overall credit scores. 

I would like to know what factors determine the Fico score.

Company response to consumer: Closed with explanation