vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-25 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: Consumer Portfolio Services, Inc.
State: FL

Complaint narrative:
I cosigned a car loan for my XXXX to get his car. Unbeknownst to me, that the dealer was doing several hard inquiries on my credit with multiple lenders. I would like to remove all companies from my credit that I DO NOT have any existing financial obligations, that have also done a hard inquiry on my credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 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: Southern Auto Finance Co
State: FL

Complaint narrative:
I cosigned a car loan for my husband to get his car. Unbeknownst to me, that the dealer was doing several hard inquiries on my credit with multiple lenders. I would like to remove all companies from my credit that I DO NOT have any existing financial obligations, that have also done a hard inquiry on my credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 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:
To Whom It May Concern, I am writing to formally dispute the inaccurate and unfair collection accounts that have been reported on my credit report. I believe these collections are being reported in violation of the Fair Credit Reporting Act ( FCRA ) and possibly in violation of the Uniform Commercial Code ( UCC ) as well. XXXX XXXX XXXX  Fair Credit Reporting Act ( FCRA ) Violations : Under the FCRA ( 15 U.S. Code 1681 et seq. ), I have the right to dispute inaccurate information in my credit report and to have those inaccuracies investigated and corrected. The information being reported by the collection agencies is either incorrect, unverifiable, or outdated, and as such, should not be reflected in my credit report. Specifically : XXXX. XXXXVerification Requirement ( Section 609 ) XXXX XXXX  The collection agencies must provide proper documentation proving that the debt is valid and that they have the right to collect it. As per Section 609 of the FCRA, I request that you furnish me with copies of all documentation that validates these debts. 

XXXX. XXXX*Accurate Reporting ( Section 611 ) : XXXX The credit reporting agencies must ensure that all information reported is accurate. If the collections can not be verified within the XXXX0-day investigation period, they must be removed from my credit report as per Section 611 of the FCRA. 

XXXX XXXXRe-aging of Debt : XXXX If the collection accounts have been re-aged, this is a violation of the FCRA XXXX and those accounts must be corrected or removed immediately. 

# # # Uniform Commercial Code ( UCC ) Considerations : Additionally, under UCC provisions, specifically regarding the rights to enforce a debt or obligation, I believe the collection agencies may not have legal standing or proper assignment of the debt. Under UCC Article 9, if the collection agency can not provide a valid assignment of the debt or a contract that explicitly grants them the right to collect, they are not legally allowed to report this debt on my credit file. 

XXXX XXXX XXXX Resolution Requested : I kindly request that you : XXXX. Investigate the accounts in question and ensure that they comply with the FCRA and UCC requirements. 
XXXX. Remove any erroneous or unverifiable collections from my credit report. 
XXXX. Provide me with written confirmation of your investigation results. 

Thank you for your prompt attention to this matter. I look forward to your swift resolution of this issue. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-25 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:
To Whom It May Concern, I am writing to formally dispute the inaccurate and unfair collection accounts that have been reported on my credit report. I believe these collections are being reported in violation of the Fair Credit Reporting Act ( FCRA ) and possibly in violation of the Uniform Commercial Code ( UCC ) as well. 

# # # Fair Credit Reporting Act ( FCRA ) Violations : Under the FCRA ( 15 U.S. Code 1681 et seq. ), I have the right to dispute inaccurate information in my credit report and to have those inaccuracies investigated and corrected. The information being reported by the collection agencies is either incorrect, unverifiable, or outdated, and as such, should not be reflected in my credit report. Specifically : 1. **Verification Requirement ( Section 609 ) : ** The collection agencies must provide proper documentation proving that the debt is valid and that they have the right to collect it. As per Section 609 of the FCRA, I request that you furnish me with copies of all documentation that validates these debts. 

XXXX. XXXXAccurate Reporting ( Section 611 ) : ** The credit reporting agencies must ensure that all information reported is accurate. If the collections can not be verified within the 30-day investigation period, they must be removed from my credit report as per Section 611 of the FCRA.

3. **Re-aging of Debt : ** If the collection accounts have been re-aged, this is a violation of the FCRA XXXX and those accounts must be corrected or removed immediately. 

# # # Uniform Commercial Code ( UCC ) Considerations : Additionally, under UCC provisions, specifically regarding the rights to enforce a debt or obligation, I believe the collection agencies may not have legal standing or proper assignment of the debt. Under UCC Article 9, if the collection agency can not provide a valid assignment of the debt or a contract that explicitly grants them the right to collect, they are not legally allowed to report this debt on my credit file.

# # # Resolution Requested : I kindly request that you : XXXX. Investigate the accounts in question and ensure that they comply with the FCRA and XXXX requirements. 
XXXX. Remove any erroneous or unverifiable collections from my credit report. 
XXXX. Provide me with written confirmation of your investigation results. 

Thank you for your prompt attention to this matter. I look forward to your swift resolution of this issue. 

Sincerely, XXXX XXXXXX/XX/XXXXXXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 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: KY

Complaint narrative:
In accordance with the Fair Credit reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account Name : XXXX XXXX Account Number : XXXX I looked at my XXXX credit report on XX/XX/year> and noticed some things are not accurate and incomplete. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) or any information disputed

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 2024-08-25 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: SECURITY FINANCE CORP
State: FL

Complaint narrative:
I cosigned a car loan for my husband to get his car. Unbeknownst to me, that the dealer was doing several hard inquiries on my credit with multiple lenders. I would like to remove all companies from my credit that I DO NOT have any existing financial obligations, that have also done a hard inquiry on my credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-08-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
On XXXX XXXX, I could not log into my Citibank CostcoAnywhere account to pay my bill. A call to customer service revealed that someone requested a replacement card for my account. On XX/XX/2024, a replacement card was mailed to that person, first name XXXX, living somewhere in Pennsylvania. The address, email, phone number and password on my account where changed at the same time. The same person placed a travel notice on the account and made 38 charges in XXXX using the replacement card from XXXX. I received no communication from Citibank about any of these changes to my account. 
The account was closed, fraud dispute filed, address, phone number and email where updated and a new account was issued. I did receive email notifications of these changes. 
XX/XX/2024 I called Fraud and Disputes department to provide additional information. The representative located the " take over '' within the online Chat records. She confirmed that a replacement card was mailed to XXXX XXXX. I confirmed that I do not know this person and did not authorize anyone to use my credit card. Also confirmed I had made no charges in XXXX and have never been there. The original card was and is still in my possession. 
XX/XX/2024 I received a letter stating dispute was closed. " The card 's XXXX chip was used to make the pisputed transactions at a chip enabled card reader. You verified that your card was in your possession at the time of the transactions, so we do not consider this fraudulent activity. '' XX/XX/2024 Appeals with lawyer 's letter where mailed to XXXX XXXX and XXXX XXXX. I recived an email confirmation of receipt of new information, but to date have received no further communication from Citibank other that advertising and payment due. notice

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 2024-08-25 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX  XXXX, Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX, Account name : XXXX XXXX XXXX has violated my rights. 


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 response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: V and H Portfolio
State: SC

Complaint narrative:
ACCOUNT # XXXX XXXX XXXX  Just wan na let you know Im disputin that debt you mentioned under the Fair Debt Collection Practices Act XXXX XXXX for more proof or docs just lettin you know I dont agree. If you need to reach me best way is by text on my cell or email on my cell or computer XXXX  to XXXX  between XXXX and XXXX XXXX XXXX XXXX Any other times or methods like live calls or voicemails aint good for me.ACCOUNT # XXXX plus other accounts you saying I'm oweing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
I have no proff that this is mine. The company sold my information to a third party. I did not agree or gave promisson to sell my information. They never proved this debt was true. They do not have the right to report it to the credit agency 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 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:
Complaint against XXXX TransUnion and XXXX and all other parities involved I am writing to dispute inaccurate information on my credit report. I found discrepancies in the following accounts and request an investigation and removal : XXXX / XXXX ( TransUnion ) Account : XXXX Dispute : {$0.00} balance but still open. Inactive since XXXX  2022. Please mark as closed. 
XXXX ( TransUnion, XXXX, XXXX ) Account : XXXX Dispute : {$0.00} balance, yet still open. Inconsistent reported high credit. Please close and correct. 
XXXX XXXX  XXXX ( TransUnion, XXXX, XXXX ) Account : XXXX Dispute : {$0.00} balance but reported as open. Varying last activity dates. Please close. 
XXXX ( TransUnion, XXXX, XXXX ) Account : XXXX Dispute : Reported as closed with no balance, but shows a conflicting XXXX late payment. Please update status. 
XXXX ( XXXX ) Account : XXXX Dispute : Opened XXXX  2022, but last activity listed as XXXX  2019. Reported XXXX  days late despite being a collection account. Please remove. 
XXXX XXXX  ( TransUnion, XXXX, XXXX ) Account : XXXX Dispute : Charged off, sold to another lender, but still listed. Please remove. 
XXXX XXXX ( TransUnion, XXXX, XXXX ) Account : XXXX Dispute : Charged off, sold to XXXX  XXXX XXXX XXXX yet appears as an open collection/charge-off. Please remove. 
XXXX XXXX XXXX ( XXXX, XXXX ) Account : XXXXXXXX  Dispute : {$220.00} balance, reported as charge-off. Opened in XX/XX/XXXX, rapid payment status deterioration. Please review and remove. 
XXXX ( Original Creditor : XXXX XXXX XXXX ) ( TransUnion, XXXX ) Account : XXXX Dispute : Inconsistent last activity date and payment status. Please remove. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX ) ( TransUnion, XXXX ) Account : XXXX Dispute : Reported as a collection with unclear balance and last activity date. Please remove.

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 2024-08-25 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:
Complaint against Equifax XXXX and XXXX and all other parities involved I am writing to dispute inaccurate information on my credit report. I found discrepancies in the following accounts and request an investigation and removal : XXXX / XXXX ( XXXX ) Account : XXXX Dispute : {$0.00} balance but still open. Inactive since XX/XX/XXXX. Please mark as closed. 
XXXX ( XXXX, XXXX, Equifax ) Account : XXXX Dispute : {$0.00} balance, yet still open. XXXX reported high credit. Please close and correct. 
XXXX XXXX  XXXX ( XXXX, XXXX, Equifax ) Account : XXXX Dispute : {$0.00} balance but reported as open. Varying last activity dates. Please close. 
XXXX ( XXXX, XXXX, Equifax ) Account : XXXX Dispute : Reported as closed with no balance, but shows a conflicting XXXX late payment. Please update status. 
XXXX ( Equifax ) Account : XXXX Dispute : Opened XX/XX/XXXX, but last activity listed as XX/XX/XXXX. Reported XXXX  days late despite being a collection account. Please remove. 
XXXX XXXX  ( XXXX, XXXX, Equifax ) Account : XXXX Dispute : Charged off, sold to another lender, but still listed. Please remove. 
XXXX XXXX ( XXXX, XXXX, Equifax ) Account : XXXX Dispute : Charged off, sold to XXXX  XXXX XXXX , yet appears as an open collection/charge-off. Please remove. 
XXXX XXXX XXXX ( XXXX, Equifax ) Account : XXXX Dispute : {$220.00} balance, reported as charge-off. Opened in XX/XX/XXXX, rapid payment status deterioration. Please review and remove. 
XXXX ( Original Creditor : XXXX XXXX XXXX ) ( XXXX, XXXX ) Account : XXXX Dispute : Inconsistent last activity date and payment status. Please remove. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX, Equifax ) Account : XXXX Dispute : Reported as a collection with unclear balance and last activity date. Please remove.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-25 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: TX

Complaint narrative:
I am writing to file a complaint against Equifax for inaccurately reporting a balance on my student loan. My Equifax credit report incorrectly shows that I have an outstanding student loan balance of {$12000.00}, despite the fact that this loan has been fully paid off. 

I have attached documentation, including a payoff statement from my loan servicer, that clearly shows the loan was paid in full and should no longer appear as a balance on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-25 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: TX

Complaint narrative:
Please remove and delete these accounts immediately as they were opened fraudulently without authorization and a valid written consent. I never had a contract with these creditors for any debt. Please provide me proof from the creditors that these debts are mine with the Contractual Agreement. 
XXXX XXXX XXXXXX/XX/XXXX XXXX Thank you in advance for your cooperation.

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 2024-08-26 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: DE

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2024-08-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I am writing to formally file a complaint over the handling of an account that you placed on my credit profile. Bank of America is in direct violation of **15 U.S.C. 1681s-2 ( a ) ( 3 ) **, as you failed to comply with federal law by not marking the account as disputed when I challenged its accuracy. Furnishers of information are required by the Fair Credit Reporting Act ( FCRA ) to report disputes to the credit reporting agencies, and your failure to do so is a clear violation of this obligation.

Additionally, your actions also constitute a violation of **15 U.S.C. 1681s-1**, as you should have known that failing to follow the FCRAs guidelines would lead to the reporting of incomplete and inaccurate information. This not only makes the account in question inaccurate but also causes harm to my credit profile. 

I request that you immediately : XXXX. **Correct the inaccurate information** by deleting this account off my credit report.. 
XXXX. **Notify all credit reporting agencies** of the removal of this account. 
XXXX. **Provide written confirmation** that the account has been updated in compliance with my demand. 
XXXX.monetary compensation of a {$1000.00} to which I am entitled to under 15 USC 1681n ( Civil Liability For Willful Noncompliance ). 

If you fail to take corrective action, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) again and pursue any legal remedies available to me under the FCRA.

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