vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/2024, I received a letter from Target Card Services notifying of an outstanding balance regarding a recent purchase in the total of {$38.00}. After verifying the debit charge not clearing on my account, I made immediate payment the same day XX/XX/2024. I then logged onto the Target Card Services transaction portal and notified them payment was made through TD Bill Pay. On XX/XX/2024, the payment of {$38.00} was processed withdrawn from the account. A final notice letter from Target Card Services dated XX/XX/2024, was recieved attempting to collect the {$38.00} which had been been paid on XXXX XXXX. After messaging Target Card Services that payment had been made, they denied payment was recieved despite providing a the bank and confirmation number to them multiple times. Target Card Services opened a dispute based on my complaints. On XX/XX/2024, I sent certified mail to Target Card Services and provided proof of payment from my banking institution. On XX/XX/2024, I received a letter from Target Card Services with a Minnesota address claiming they had not heard from me as of XX/XX/2024, depsite me having proof I sent them certifed mail and they signed and returned it to me during this time. They also never provided me with a written dispute case number leaving doubt a dispute was ever opened. In response to this, I sent certified mail again this time to the Minnesota address notifying them that it is deceptive to trick customers by changing addresses. This certifed letter also included multiple copies of proof of payment of the {$38.00} through TD bank, along with proof of contact with Target Card Services between the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX disputing their claim of not hearing from me. On XXXX XXXX XXXX I received a letter from Target Card Services claiming the {$38.00} remains unpaid and the documents I sent as proof of payment were not enough. The balance was paid on XX/XX/2024, through TD Bill Pay in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I had an isssue with identity theft but I was XXXX  so while trying g to lock credit and rentals credit my personal information a was compromised, publicizes, and vandalized and utilized for other peoples gain to establish credit And ruin mines. I reached out to the credit reporting XXXX XXXX XXXX was in contact with creditors on every XXXX  however my identity and account were still. Compromised and used. I attempted to dispute debt and pay off debts that I XXXX  even owe or have access to. I reached out to them about my bancruptcy supposed to be discharged and not still on my credit. I also reported my car stolen and then XXXX police reengineered a letter to my mothers home stating they had my car in their care for almost two year under an investigation that I wasnt apart of or knowledge of. They told me I could come get it and pay the fees for it sitting there and tow fee. When I got to the place to pay it they said the loan provider picked it up. I gave them the information and contact information of the detectives who red hex out to me to provide the lenders with to verify the information. However they still charged XXXX for the car late fees and would not allow me to obtain credit or be put in another vehicle due to my not having access to it. I have been constantly locking and unlocking my credit account to avails further discrepancies. However in order for me to gain employment and stable housing for me and my child inside to continuously unlock unfreeze my accounts and reports in order to apply for XXXX  and employee and other credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Subject : Dispute of Incorrect Address Information on My Credit Report To Whom It May Concern, I am writing to formally dispute the presence of incorrect addresses listed on my credit report. These addresses are not mine, and I am requesting their immediate investigation and removal to ensure the accuracy of my personal information, as required under the Fair Credit Reporting Act ( FCRA ). 

The following addresses appearing on my credit report are incorrect : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX My actual and current address is : [ Your Correct Address, e.g., XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ] Maintaining incorrect address information on my credit report can lead to confusion, misattributed accounts, and potential violations of my rights under FCRA 1681e ( b ), which mandates credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of consumer reports.

I request the following actions : Immediate Investigation : Review the incorrect address information and confirm that these addresses do not belong to me.

Correction or Removal : Remove all inaccurate addresses from my credit report.

Written Confirmation : Provide me with written confirmation of the changes made and an updated copy of my credit report reflecting the accurate information.

Please complete your investigation and respond within the 30 days required by the FCRA. Ensuring the accuracy of my credit report is essential, and I appreciate your prompt attention to this matter. 

Thank you for your cooperation. 

Sincerely, 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 2024-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I am writing to express my extreme dissatisfaction and concern regarding the unresolved status of my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/year>, followed XXXX and followed up on XX/XX/year>. This is my final attempt to resolve this matter amicably. I demand an immediate resolution in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
Unauthorized Inquiries in Question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Section 611 ( 15 U.S.C. 1681i ) requires an immediate investigation of disputed information. It has been more than 30 days since my initial dispute, and I have yet to receive an adequate resolution, which is unacceptable.

Section 609 ( 15 U.S.C. 1681g ) entitles me to access all information in my file, including the results of your investigation. To date, I have not received the required information, which constitutes a violation of my rights.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section, representing a serious infraction.

Immediate Action Required I demand immediate action to resolve this dispute. Specifically, I request the following : 1. Thorough and Immediate Reinvestigation : Conduct a complete and urgent reinvestigation of the unauthorized inquiries.

2. Immediate Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report without delay.

3. Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes immediately.

4. Detailed and Documented Notification : Inform me in detail of the steps taken and the results of your investigation within 15 days of receipt of this letter. Include documentation supporting your actions.

Warning of Legal Action If I do not receive a satisfactory resolution within the specified timeframe, I will escalate this issue to the Consumer Financial Protection Bureau ( CFPB ) and proceed with legal action to protect my rights as a consumer. I will not hesitate to seek compensation for any damages resulting from your failure to adequately resolve this matter. 
I expect your immediate response and resolution to this issue.

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 2024-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I am writing to express my extreme dissatisfaction and concern regarding the unresolved status of my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/year>, followed XXXX and followed up on XX/XX/year>. This is my final attempt to resolve this matter amicably. I demand an immediate resolution in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
Unauthorized Inquiries in Question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/scrub>XXXX  Section 611 ( 15 U.S.C. 1681i ) requires an immediate investigation of disputed information. It has been more than 30 days since my initial dispute, and I have yet to receive an adequate resolution, which is unacceptable. 
Section 609 ( 15 U.S.C. 1681g ) entitles me to access all information in my file, including the results of your investigation. To date, I have not received the required information, which constitutes a violation of my rights.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section, representing a serious infraction. 
Immediate Action Required I demand immediate action to resolve this dispute. Specifically, I request the following : 1. Thorough and Immediate Reinvestigation : Conduct a complete and urgent reinvestigation of the unauthorized inquiries.

2. Immediate Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report without delay.

3. Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes immediately.

4. Detailed and Documented Notification : Inform me in detail of the steps taken and the results of your investigation within 15 days of receipt of this letter. Include documentation supporting your actions. 
Warning of Legal Action If I do not receive a satisfactory resolution within the specified timeframe, I will escalate this issue to the Consumer Financial Protection Bureau ( CFPB ) and proceed with legal action to protect my rights as a consumer. I will not hesitate to seek compensation for any damages resulting from your failure to adequately resolve this matter. 
I expect your immediate response and resolution to this issue.

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 2024-12-01 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: OH

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. 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 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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
Consumer complaint received 2024-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My Credit Profile has been used & abused and I didn't give my consent to check my 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 explanation
Consumer complaint received 2024-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally request the removal and blocking of fraudulent accounts from my credit report under the Fair Credit Reporting Act ( FCRA ) Section 605B. The accounts listed below are the result of identity theft and do not belong to me. Account : XXXX XXXX, XXXX XXXX, And XXXX..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-01 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: TX

Complaint narrative:
I am writing to dispute the following information in my TRANSUNION consumer report because the negative items listed have been updated due to the CFPB Breach. This violates 15 US Code 1681aia. / 15 US Code 1666b Dispute 1 : LATE PAYMENTS Account Number XXXX : XXXX XXXX Type of disputed information : CREDIT ACCOUNT Dates associated with the late payment items being disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The status of my account is incorrect. The report shows that I am delinquent but I have made all my payments on time. Please update my consumer credit report to reflect the changes, and mail me an updated copy reflecting the deleted late payments and updated credit score. I have requested a payment ledger and have not received it. Thank you for your assistance.

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 2024-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX  XXXX bankruptcy : Bankruptcy - Reference Number - XXXX Subject : Dispute of Bankruptcy Reporting Under the FCRA To Whom It May Concern, I am writing to dispute the inaccurate reporting of a bankruptcy on my credit report. Upon confirmation with the bankruptcy court, I have verified that the court does not report credit information to any credit reporting agencies, including Equifax, XXXX, and XXXX. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), credit reporting agencies are required to maintain reasonable procedures to ensure the maximum possible accuracy of the information contained in consumer reports. Reporting a bankruptcy as originating from the court without direct verification from the source violates this requirement. 

Furthermore, under 15 USC 1681i, I have the right to dispute any inaccurate or unverifiable information on my credit report. Since the bankruptcy court does not furnish such information to credit reporting agencies, its inclusion on my credit report is unsubstantiated and must be removed. 

Actions Requested : Conduct an Investigation : Investigate the source of the bankruptcy information reported on my credit report. If the reporting can not be verified directly by the source ( the bankruptcy court ), it must be removed. 

Provide Written Confirmation : Notify me in writing of the results of your investigation and provide an updated copy of my credit report reflecting the removal of the inaccurate bankruptcy entry. 

Ensure Compliance : Verify that all procedures are in compliance with the FCRA to prevent similar inaccuracies in the future. 

Enclosed are supporting documents, including confirmation from the bankruptcy court that they do not furnish credit reporting data, and a copy of my credit report highlighting the disputed bankruptcy entry. 

I expect a response within the 30 days required under 15 USC 1681i ( a ) ( 1 ). Failure to comply with these legal obligations will leave me no choice but to report this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: OH

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX 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  Bankruptcy Ref : XXXX has violated my rights. 

I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. 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 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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 2024-12-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bonneville Billing and Collections
State: ID

Complaint narrative:
XX/XX/XXXX Reason : Dispute I am in dispute of a collection that has appeared on my credit report. 

Under Idaho state law, statute 5-217 collection agencies can not collect on an individual if the bill is older than 5 years old. Apparently, This was first reported on XX/XX/XXXX. 

The amount of the collection is XXXX. 
The information says its from the XXXX of XXXX XXXX collection is in violation of Idaho state law and this collection that is recorded on my credit report needs to be removed immediately. 

I have not had any services from the XXXX of XXXX for over 10 years. 

Please remove this collection from my credit report. 


XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, Idaho XXXX Social security number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: CA

Complaint narrative:
To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Experian Credit Report. 

15 USC 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT 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. 

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the accounts listed below. 

I demand that the following accounts be validated or DELETED immediately : 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX In addition, DELETE all non-account holding inquiries over 30 days old. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigtion. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, 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