vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bounce AI, Inc.
State: OH

Complaint narrative:
I contacted the debt collector bounce ai to try to find out what tge debt was as I'd never heard of tge original creditor XXXX XXXX. I was told {$700.00} worth of gift cards for XXXX were purchased on XX/XX/year>. I asked if they were able to verify were these cards were sent and was told they were sent via email. According to the agent I spoke to, my name and social security number were given to obtain this debt. I informed him this was not done by me and I was told I had to file a complaint on ftc as well as file a police report for identity theft - otherwise this debt would remain on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: AL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-12-30 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: NC

Complaint narrative:
On XX/XX/year> I sent disputes regarding my employment/ hard inquiries and collections and its been past 30days. I have received no response. Or deletions bc they can not prove inquiries connected to any accts and they have done no legit investigation on the XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: NJ

Complaint narrative:
I did not consent, nor benefit from, nor authorize the following account : SOUTHWEST CREDIT SYSTEMS LP- {$540.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: VA

Complaint narrative:
I used Lexington Law and the charged me {$250.00} per month for credit repair and they did not fix anything I used them in XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: CO

Complaint narrative:
Complaint Regarding Improper Reporting of XXXX Account on XXXX, TransUnion, and XXXX Credit Reports I am filing this complaint regarding the inaccurate and improper reporting of an account by all three major credit reporting agencies : XXXX, TransUnion, and XXXX. This complaint pertains to violations of 15 USC 1666b and the Fair Credit Reporting Act ( FCRA ). Below are the details of the account as listed by each credit reporting agency : XXXX : Listed as XXXX, Account Number XXXX XXXX TransUnion : Listed as XXXX Account Number XXXX XXXX : Listed as XXXX, Account Number XXXX Nature of the Issue The reporting of late payments on this account is improper under 15 USC 1666b, which states : " A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. '' Based on my review of this account, XXXX failed to adopt reasonable procedures to ensure that billing statements were mailed or delivered at least 21 days before the payment due date. This failure renders any late payment reporting on this account invalid under federal law. 

Violation of the Law XXXX violated 15 USC 1666b by failing to provide billing statements in compliance with the required timeframe while also reporting the account as late from XXXX - XX/XX/year>. 
XXXX, TransUnion, and XXXX perpetuated this error by reporting late payments based on information that is not legally enforceable under federal law. 
This reporting also constitutes a violation of the FCRAs mandate to ensure maximum possible accuracy ( 15 U.S. Code 1681e ( b ) ).

Supporting Information I request that each credit reporting agency obtain documentation from XXXX demonstrating compliance with 15 USC 1666b , specifically confirming that each periodic statement was mailed or delivered at least 21 days prior to the payment due date. Provide a signed affadavit from XXXX indicating that they certify that their company is in complaince with 15 USC 1666B and attest to the truth of the evidence provided. In the absence of such proof, the agencies must : Remove all late payment notations from this account. 
Remove the account from the credit report entirely if it can not be verified as accurate.

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 2024-12-30 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: CO

Complaint narrative:
Complaint Regarding Improper Reporting of XXXX Account on Equifax, XXXX, and XXXX Credit Reports I am filing this complaint regarding the inaccurate and improper reporting of an account by all three major credit reporting agencies : Equifax, XXXX, and XXXX. This complaint pertains to violations of 15 USC 1666b and the Fair Credit Reporting Act ( FCRA ). Below are the details of the account as listed by each credit reporting agency : Equifax : Listed as XXXX, Account Number XXXX XXXX XXXX : Listed as XXXX, Account Number XXXX XXXX : Listed as XXXX, Account Number XXXX Nature of the Issue The reporting of late payments on this account is improper under 15 USC 1666b, which states : " A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. '' Based on my review of this account, XXXX failed to adopt reasonable procedures to ensure that billing statements were mailed or delivered at least 21 days before the payment due date. This failure renders any late payment reporting on this account invalid under federal law. 

Violation of the Law XXXX violated 15 USC 1666b by failing to provide billing statements in compliance with the required timeframe while also reporting the account as late from XXXX - XX/XX/year>. 
Equifax, XXXX, and XXXX perpetuated this error by reporting late payments based on information that is not legally enforceable under federal law. 
This reporting also constitutes a violation of the FCRAs mandate to ensure maximum possible accuracy ( 15 U.S. Code 1681e ( b ) ). 
Supporting Information I request that each credit reporting agency obtain documentation from XXXX demonstrating compliance with 15 USC 1666b , specifically confirming that each periodic statement was mailed or delivered at least 21 days prior to the payment due date. Provide a signed affadavit from XXXX indicating that they certify that their company is in complaince with 15 USC 1666B and attest to the truth of the evidence provided. In the absence of such proof, the agencies must : Remove all late payment notations from this account. 
Remove the account from the credit report entirely if it can not be verified as accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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: CO

Complaint narrative:
Complaint Regarding Improper Reporting of XXXX Account on XXXX, XXXX, and Experian Credit Reports I am filing this complaint regarding the inaccurate and improper reporting of an account by all three major credit reporting agencies : XXXX, XXXX, and Experian. This complaint pertains to violations of 15 USC 1666b and the Fair Credit Reporting Act ( FCRA ). Below are the details of the account as listed by each credit reporting agency : XXXX : Listed as XXXX, Account Number XXXX XXXX XXXX : Listed as XXXX, Account Number XXXX Experian : Listed as XXXX, Account Number XXXX Nature of the Issue The reporting of late payments on this account is improper under 15 USC 1666b, which states : " A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. '' Based on my review of this account, XXXX failed to adopt reasonable procedures to ensure that billing statements were mailed or delivered at least 21 days before the payment due date. This failure renders any late payment reporting on this account invalid under federal law. 

Violation of the Law XXXX violated 15 USC 1666b by failing to provide billing statements in compliance with the required timeframe while also reporting the account as late from XXXX XXXX XXXX XXXX.

XXXX XXXX, and Experian perpetuated this error by reporting late payments based on information that is not legally enforceable under federal law. 
This reporting also constitutes a violation of the FCRAs mandate to ensure maximum possible accuracy ( 15 U.S. Code 1681e ( b ) ).

Supporting Information I request that each credit reporting agency obtain documentation from XXXX demonstrating compliance with 15 USC 1666b , specifically confirming that each periodic statement was mailed or delivered at least 21 days prior to the payment due date. Provide a signed affadavit from XXXX indicating that they certify that their company is in complaince with 15 USC 1666B and attest to the truth of the evidence provided. In the absence of such proof, the agencies must : Remove all late payment notations from this account. 
Remove the account from the credit report entirely if it can not be verified as accurate.

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 2024-12-30 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: FL

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Transunion credit report on XXXX XXXX XXXXXX/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 generally, 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 2024-12-30 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: TX

Complaint narrative:
I am formally requesting the elimination of the inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion and support my claim of identity theft. PLEASE BLOCK AND REMOVE this account from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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: FL

Complaint narrative:
I am filing this complaint against Experian for their ongoing refusal to remove fraudulent and inaccurate addresses from my credit report, despite multiple disputes over the past XXXX months. I have provided Experian with all necessary documentation, including government-issued identification, to verify my correct personal information. Despite this, Experian has ignored my requests, failed to conduct a reasonable investigation, and continues to report the following fraudulent addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These addresses are tied to identity theft and fraudulent activity, and they are not associated with me in any way. Experians refusal to act demonstrates blatant disregard for my rights under the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to : Conduct a reasonable and thorough investigation of disputes. 
Remove unverifiable or inaccurate information promptly. 
I have provided evidence, including screenshots, showing that Experian has repeatedly marked my disputes as verified without conducting a proper investigation. Their inaction has caused significant harm to my creditworthiness, delayed my ability to resolve identity theft issues, and created undue emotional and financial distress. 

Experian has had more than XXXX months to address this matter, yet they continue to ignore my disputes. Their negligence is unacceptable and has left me with no choice but to escalate this matter.

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 2024-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: LA

Complaint narrative:
The debt is not mines and I don't have knowledge of this account. The account is a result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: NC

Complaint narrative:
I have been notified of a potential violation of my privacy rights under the Fair Credit Reporting Act ( FCRA ), codified at 15 USC 1681, due to a data breach that resulted in the unauthorized disclosure of my personal information. I am requesting your immediate attention and assistance in addressing this matter. 

On XXXX and XXXX of this year 2024, I became aware that my personal information, including information, such as Social Security number, credit card information, or other sensitive data, was exposed during a data breach involving XXXX, XXXX and Equifax Credit Bureau. I believe this breach has compromised my right to privacy as protected by the FCRA, which mandates that consumer information be handled securely and only for permissible purposes. 

Since discovering this breach, I have experienced significant distress and inconvenience, and I am concerned about the potential for further misuse of my information. 

Under the FCRA, I understand that I have the right to : 1. Be notified of any unauthorized access or disclosure of my personal information.

2. Dispute inaccurate or incomplete information contained in my credit reports.

3. Take action against entities that fail to uphold their legal responsibilities under the Act.

I respectfully request the following actions : 1. Investigate the circumstances surrounding the data breach and the exposure of my personal information.

2. Provide me with detailed information about how my data was compromised and the measures being taken to prevent future breaches.

3. Assist me in addressing any inaccuracies in my credit report that may have resulted from the unauthorized use of my information.

4. Hold accountable any entities responsible for negligence or failure to comply with the provisions of the FCRA.

I have enclosed copies of relevant documents, such as notifications of the breach, credit reports, or correspondence with the company involved to support my claim. Please let me know if additional documentation is required.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-12-30 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have tried to fix this issue by reporting this inaccurate information. These affect my personal life & cause me mental stress. I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items showing on my consumer reports. They do not belong to me, I did not consent to any of this information to be reported on my consumer report. I'm a victim of identity theft. I have attached my letter along with the FTC report. If this situation is not handled accordingly, I will seek legal action against you guys.

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 2024-12-30 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: ME

Complaint narrative:
I have made all my payments on time, but I am still seeing XXXX missed payment on my credit report from the XXXX credit bureaus ( XXXX, TransUnion and XXXX ) I filled a dispute from all the XXXX bureaus and that was corrected after the investigation but few weeks later, as of today XX/XX/year> it is showing again that I have a missing payment. This is going to affect my home purchase. Please help me to correct this

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 2024-12-30 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: NV

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-12-30 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: NC

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF 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