vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-03 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: GA

Complaint narrative:
I am writing to formally address the inaccurate information you have reported to consumer reporting agencies regarding my account, reported on XX/XX/year>. This erroneous reporting has caused significant harm to my character, reputation, and overall quality of life, severely affecting my ability to obtain credit for personal and housing purposes. Your inaccurate reporting has directly impacted my livelihood.

Under 15 U.S.C. 1681s-2, as a furnisher of information to consumer reporting agencies, you have a legal duty to provide accurate information. Specifically, ( a ) ( 1 ) ( A ) prohibits you from furnishing information if you know or have reasonable cause to believe that it is inaccurate.

Moreover, the IRS clearly defines a charge-off or canceled debt as income, which does not belong on a consumer report. Reporting this account inaccurately misrepresents my financial status and is, therefore, misleading.

You are hereby put on notice that you are furnishing incorrect information. If the amount of canceled debt exceeds {$600.00}, as per IRS regulations, you are required to file Form 1099-C and provide me with a copy. Please send my Form 1099-C to the address listed below.

In accordance with 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), you must cease reporting this inaccurate information immediately. I have formally notified you of these inaccuracies, and your continued reporting is a clear violation of your responsibilities as a furnisher of information.

This is your final opportunity to rectify this matter. I demand that you delete this erroneous account from my consumer reports. You have 10 calendar days to comply with this request.

Thank you for your immediate attention 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 2024-11-03 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX  Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX Account number : XXXX Your NAME : XXXX XXXX Your address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX dc XXXX Dear XXXX XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to 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 2024-11-03 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: KY

Complaint narrative:
I requested the 1099 for this supposedly charged off account ( XXXX XXXX ) & received absolutely nothing. The account status was then changed so I requested validation of the debt and still received nothing. It has been over 90 days now and still no response. Balance was only changed.

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 2024-11-03 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: DISCOVER BANK
State: PA

Complaint narrative:
IVE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURACIES ACCOUNTS REPORTED. 
SEE ATTACHED BELOW

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 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 blocking and deletion of all accounts and inquiries listed below, as I am a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to request the removal of any information related to identity theft. 
Accounts to be Deleted : XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$6900.00} XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$190.00} Inquiries to be Deleted : XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I have had a card with AMEX since 2022 and I cancelled it back in XXXX and I paid the full remaining amount of {$11.00}, XXXX and I thought I would be done with this company. Now a 2 months after we paid they are telling me I owe {$150.00} in interest. I shouldn't be charged for their disorganization for not sharing the entire amount due. I need this charge to be waived I am not paying them anything. I called them and she tried to waive it and it got rejected for some reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 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: TX

Complaint narrative:
On my Experian only it shows a credit card. For a name similar to me but not the same name. Different address and I have only first second and last name not XXXX second names. Also as an adult only ever lived in XXXX XXXX. XXXX and XXXX as of recently. XXXX  XXXX XXXX did not want to help unless Experian asked for anything. Experian ignored and did not investigate. Please help remove from my credit report and put it on the correct person

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 2024-11-03 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: VA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXXXXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a credit card account opened at Credit card XXXX XXXX  XXXX on XX/XX/XXXX under the account number XXXX, and a credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX and ending in account number # XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-03 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I received a copy of my credit report and CBNA- Citi is an account listed. The account is fraud, and I immediately did a police report on XX/XX/year>. I requested them to validate the debt, and they failed to do so.

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 2024-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN HONDA FINANCE CORP
State: PA

Complaint narrative:
American Honda Finance This agency is violating your Consumer rights by using false misleading, misrepresentation, and deceptive means.

Gramm Leach Bliley Act 15 USC 6802- never received any disclosure forms and was never clearly given a notice of opting out of having my personal information shared.

15 USC 1681a3- failure of them honoring my request and discriminating against me for exercising my rights would be a violation under this law Additionally all bureaus show inaccuracy amongst Date Last Active Ive made multiple attempts to fix these issues with them directly They are violating my rights and I'm entitled to {$1000.00} for every violation I listed, they either pay or they need to delete these accounts ASAP Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 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: DC

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX  Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX Account number : XXXX Your NAME : XXXX XXXX Your address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX dc XXXX Dear XXXX XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to 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 non-monetary relief
Consumer complaint received 2024-11-03 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: EQUIFAX, INC.
State: DC

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : XXXXXXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX Account number : XXXX Your NAME : XXXX XXXX Your address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX dc XXXX Dear XXXX XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-03 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: KY

Complaint narrative:
I have requested validation of the account " XXXX XXXX XXXX '' XXXX different times. I am not receiving any proof that this account belongs to me nor have I ever lived at XXXX XXXX which is the original creditor. I have stated this multiple times & this account is NOT being removed from my report. 

I will file a formal complaint with the FTC should they continue to blatantly disregard the law, I also intend to seek redress in civil action for recovery of damage, costs, and attorney fees. For this purpose I am carefully documenting these events, including the lack of response REQUIRED under law from the bureau.

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 2024-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
On XX/XX/XXXX I made a payment of {$100.00} which should have been credited to my XXXX bill and instead Capital One claims because it was paid on the XXXX it was actually for the XXXX cycle. I have not once received a paper statement from Capital One and they claim it's because I asked for paperless billing which is another lie. I have paid my other card before the XXXX of the month when it is due and have never received a late fee for paying early. The statement I provided showed I paid {$610.00} which means that credit should have rolled over to the XXXX bill and taken care of the {$88.00} but for whatever reason they did not use it as a credit and hit me with a late fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-03 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:
Dear Experian, I am writing to formally dispute an incorrect address that appears on my Experian credit report. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I request that you remove the following incorrect address from my file as it is not associated with me and may lead to potential confusion or misrepresentation of my credit information. 
Incorrect Address : XXXX. XXXX XXXX XXXX XXXX, NC XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, NC XXXX Please note that I have not resided at or used the above address in any capacity, and I am concerned that its presence on my report may affect the accuracy of my credit file. 

As required by the FCRA, credit reporting agencies are obligated to ensure that only accurate information appears on consumers ' credit reports, and I respectfully request an investigation into this matter. 

Please complete the necessary investigation and provide written confirmation that the incorrect address has been removed. I trust that you will treat this request with urgency to ensure the accuracy of my credit file. 

Thank you for your attention to this matter. I look forward to a prompt response confirming the removal of the erroneous information from my report. 

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 2024-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I had applied for XXXX XXXX credit card through Capital One, to start my XXXX. This was a Sparks Credit Card for those who have fair credit and are starting to XXXX XXXX. I applied within second, I received a denial letter from Capital One stating I was not qualified and 4 points deduction from my other credit bureau. I downloaded the letter and to my surprise it was false information written on the letter. 
1. They stated I had several delinquent accounts- I do not have any delinquent accounts.

2. They stated I do not have a credit card history- I own 2 credit cards ; with Capital One I have kept in good standard ( 1-for 2ys no delayed or missed payments ) ( 2-Bj Capital One- 1 year in good standard ) 3. They stated I had several Derogatory Obligation and remarks, and I do not have any at all. 
4. They stated I had a credit score of XXXX my credit score with Capital One 's Credit Wise I uses with them to monitor my credit is XXXX. 
This was too much of false information which led me to believe of XXXX Discrimination at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Dear Equifax, I am writing to formally dispute an incorrect address that appears on my Equifax credit report. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I request that you remove the following incorrect address from my file as it is not associated with me and may lead to potential confusion or misrepresentation of my credit information. 
Incorrect Address : XXXX. XXXX XXXX XXXX XXXX, NC XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX My actual address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX Please note that I have not resided at or used the above address in any capacity, and I am concerned that its presence on my report may affect the accuracy of my credit file. 

As required by the FCRA, credit reporting agencies are obligated to ensure that only accurate information appears on consumers ' credit reports, and I respectfully request an investigation into this matter. 

Please complete the necessary investigation and provide written confirmation that the incorrect address has been removed. I trust that you will treat this request with urgency to ensure the accuracy of my credit file. 

Thank you for your attention to this matter. I look forward to a prompt response confirming the removal of the erroneous information from my report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief