vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-18 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: MA

Complaint narrative:
I Received A copy of My Credit Report I saw Accounts That Don't Suppose To Be There Please I Demand these ACCOUNTS and INQUIRIES to be REMOVED. PLEASE HELP ME RESOLVE THIS ISSUE. 
THESE ARE THE ACCOUNTS : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Under FCRA Consumer SECTION : 15 USC 1681B Permissible Purposes, 15 USC 1602 opt-out option, 15 USC 1681 ( B ) Disclosure, 15 USC 1681Q- any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be find under TITLE 18, XXXX  for not more then 2 years.

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 2024-11-18 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: CA

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

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 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 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: Shellpoint Partners, LLC
State: TX

Complaint narrative:
An overpayment was made by me to XXXX for my mortgage and I requested, and eventually received, a refund by check. They added a remark code to the credit bureaus that says " Account information disputed by customer ''. This has brought my credit score down substantially and it needs to be removed. They do not know what they are doing over there as they are a debt collection agency that started handling mortgages. They have been a nightmare to deal with since my mortgage was bought by them in XXXX! I have never been late as I am on auto pay. I tried to pay extra on my principle and they took out an entire mortgage payment plus the {$1000.00} extra principle payment. This was XXXX XXXX after my regular monthly payment came out. I simply requested a refund of the {$1000.00} payment. It took over a month and jumping through many hoops to receive that check. Just a nightmare! Now my credit score has been affected with their inaccurate reporting.

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 2024-11-18 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: IL

Complaint narrative:
Please block and remove the unauthorized accounts from my credit report as soon as possible. I did not open or authorize these accounts and have no knowledge of their origins. In compliance with USC 1681g, I request their removal within 15 days. Attached are the relevant documents for your review and reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 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: CA

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my XXXX XXXX. These errors are not a true reflection of my credit history, and I believe they XXXX have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my XXXX XXXX, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

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 2024-11-18 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: PR

Complaint narrative:
[ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute Regarding Inaccuracies in My Credit Report XXXX XXXXXXXX Account To Whom It May Concern, I am formally requesting an investigation into inaccuracies reported on my Capital One account. Under the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 8 ), the Truth in Lending Act ( TILA ), and the CARES Act, creditors are required to report accurate information and correct any errors.

I have identified several discrepancies in my report : 1. Inconsistent dates : The last activity, closure, and reporting dates do not match across bureaus.

2. Incorrect balances : The reported balance of {$270.00} does not align with the payment history.

3. Payment history : Experian shows CO for multiple months, while other bureaus provide different or incomplete records.

4. Days past due : The number of late days reported is inconsistent with the records.

These inaccuracies negatively impact my credit history and violate the FCRA, TILA, and CARES Act, particularly if COVID-19 relief measures were not properly reflected on this account.

I request that Experian initiate an immediate investigation and work with CXXXX XXXX to correct this information. Please send me a detailed update on the outcome within the legally allowed timeframe. 

I look forward to a prompt resolution. 
Sincerely, [ 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 explanation
Consumer complaint received 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Advanced Resolution Services Inc.
State: CA

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Personal Information : Former : XXXX XXXX XXXX Former : XXXX XXXX XXXX Also Known As : XXXX XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection/Charge Off : XXXX XXXX XXXX XX/XX/XXXX {$6800.00} XXXX Late Payment : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiries : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I'm a credit card attorney practicing for 20 years, for full transparency, and I am filing a proposed class action lawsuit in the XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Illinois. Bank of America allowed massive fraud to be committed on a credit card account, and debited unauthorized funds from my Bank of America checking account. Based on the nature of the circumstances this is likely an internal ATO. I reported it at the start of XXXX when I became aware of it ( they have XX/XX/XXXX in their system, each time I call they reset the clock ). They investigated, found the fraud, and there is currently a credit balance refund ( XXXX ) of over {$27000.00} sitting on the account. On XX/XX/XXXX, I made a request for the funds to be returned. BofA stated their policy is 10 business days. Regulation Z section 1026.11 requires that XXXX be refunded back to the customer within 7 days of the request. BofA has violated Regulation Z which carries statutory penalties and punitive damages. This in on top of the Regulation E violation for unauthorized withdrawals. It is now XX/XX/XXXX, and there is no refund. I have called at least 4 times, each time being transferred between fraud and customer service multiple times, each time being told they are still investigating. 1026.11 triggers the moment there is a XXXX on the account and the customer makes a request, Reg E 's 10 day investigation clock ( and 1 business day adjustment period, 3 business day notice period ) triggers when a claim of unauth withdrawal is made. I believe BofA is engaging in a pattern and practice of holding peoples ' funds XXXX and engaging in deceptive, never ending " investigations '' with no updates to the consumer, in addition to violation Regs E and Z. I asked them today, the XXXX, to notate my account with this information, advising that I would be filing both a CFPB complaint and a proposed class action if my funds are not returned in 24 hours. I am hopeful upon receiving that notation, someone will realize what they're up against and how what they're doing to me and countless others, first allowing the fraud and then holding the funds hostage indefinitely, is wrong.

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 2024-11-18 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: GA

Complaint narrative:
I recently reviewed my credit report from Experian, and unfortunately discovered several inaccuracies in my personal information. I demand Experian to review the accurate and real information provided by me and only, the consumer. Trusting that they will stop violating my federal protected rights and fix this inaccuracies immediately.

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 2024-11-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to express my deep disappointment upon discovering a bankruptcy entry in my credit report. After careful examination, it has become evident that this entry does not correspond to any actions or decisions made by me. As a diligent and responsible individual, maintaining a positive credit history has always been a top priority. Therefore, encountering such a significant error is not only concerning but also distressing. Please keep me informed of the steps taken to address this issue and provide updates on the progress of the dispute resolution process. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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: CA

Complaint narrative:
I am a victim of tXXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : 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 XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2024-11-18 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: NV

Complaint narrative:
To Whom It May Concern : Under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ), I have the right to request validation of any alleged debt. I previously requested XXXX XXXX XXXX to validate the account in question. However, they have failed to provide sufficient documentation, such as proof of the original creditor, account details, or any agreement linking me to this debt. 

According to the FDCPA, if a debt can not be validated, it must not be reported or pursued for collection. Additionally, under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ), credit reporting agencies are legally required to delete unvalidated or inaccurate accounts from a consumers credit report. Reporting unvalidated information violates these federal laws and causes undue harm to my credit profile. 

Since XXXX XXXX XXXX has not validated this account, I am requesting its immediate deletion from my credit report in compliance with these laws. Failure to remove this unvalidated account constitutes a violation of the FDCPA and FCRA, which protect consumers from inaccurate reporting and unlawful collection practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
To Whom It XXXX Concern : Under the Fair Debt Collection Practices Act ( FDCPA ) ( XXXX U.S.C. XXXX ), I have the right to request validation of any alleged debt. I previously requested XXXX XXXX XXXX to validate the account in question. However, they have failed to provide sufficient documentation, such as proof of the original creditor, account details, or any agreement linking me to this debt. 

According to the FDCPA, if a debt can not be validated, it must not be reported or pursued for collection. Additionally, under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ), credit reporting agencies are legally required to delete unvalidated or inaccurate accounts from a consumers credit report. Reporting unvalidated information violates these federal laws and causes undue harm to my credit profile. 

Since XXXX XXXX XXXX has not validated this account, I am requesting its immediate deletion from my credit report in compliance with these laws. Failure to remove this unvalidated account constitutes a violation of the FDCPA and FCRA, which protect consumers from inaccurate reporting and unlawful collection practices.

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 2024-11-18 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: OH

Complaint narrative:
on XXXX i sent certified mail to XXXX XXXX XXXX XXXX XXXX ) asking them to verify my mortgage payment history and information because it appears to be inaccurate ( late payments shown - which is inaccurate - also, account was paid in full in XX/XX/year> and closed in good standing ). more than 30 days passed no response received from XXXX. 

On XXXX i sent certified mail to TRANSUNION & XXXX stating the above along with all certified mail associated with the above referenced correspondence and TRANSUNION XXXX XXXX took no action ( it has been over XXXX XXXX months since then ).

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 2024-11-18 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I am disputing the collection account reported by RESURGENT/LVNV FUNDING with a balance of {$1600.00}, as this account is currently being managed by XXXX XXXX XXXX , where I have been making timely payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to all XXXX bureau for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

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 2024-11-18 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: NJ

Complaint narrative:
The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to all 3 bureau for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am reaching out to you regarding the compromise of my social security number, as I have fallen victim to Identity Theft. I have already taken the necessary steps to address this issue, including filing a complaint with the Federal Trade Commission

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am reaching out to you regarding the compromise of my social security number, as I have fallen victim to Identity Theft. I have already taken the necessary steps to address this issue, including filing a complaint with the Federal Trade Commission

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