vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-26 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: NY

Complaint narrative:
My account with XXXX XXXX XXXX XXXX AND XXXXXXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments 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. XXXX XXXX XXXXXXXX  XXXX AND XXXX XXXX XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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: ID Analytics, Inc.
State: GA

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information.

I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 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:
I looked at my credit report on XXXX XXXX, and noticed some things are incomplete and not accurate. According to the FAIR CREDIT REPORTING ACT, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual to whom the report relates. These accounts, [ XXXX - Account # XXXX ], [ XXXX XXXX XXXX - Account # XXXX ], [ DPT TREASURY - Account XXXX XXXX ], [ DPT TREASURY- Account # XXXX ] , [ DPT TREASURY - Account # XXXX ] , [ XXXX XXXX - Account # XXXX ], [ XXXX XXXX - Account # XXXX ] these are not complete and accurate, and also showing up on my report as negative items and I would like for them to be deleted and removed from my credit report immediately. According to 15 USC 1681s - 2, A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. According to 15 USC 1681e ( b ), the open date, /date last active is not accurate. - DELETE ACCOUNT IMMEDIATELY FOR VIOLATION OF 15 USC 1681s - 15 USC 1681e ( b )

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 2024-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
According to FCRA section 605b it is illegal to report anything on my credit report without my permission. Also I didn't give permission to share identity with anyone else. I asked for purchasing agreement and I received billing statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — Frequent or repeated messages
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
This is in reply to companys rely the company says they talked to me in XXXX of 2018. The company should be able to show proof of this interaction! Recording of this phone call proof of payment statement by law it is my right to receive these statements the company should be able to provide original signed statements of these transactions form the courts reporting payment history and any other proof supporting their statements!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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 recently did an investigation on my credit report and found several items that are inaccurate. Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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 shalli ) 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. Please remove the following items from my credit report, immediately : XXXX **** XXXX Account # XXXX Date opened : XX/XX/year> Balance : {$700.00} Payment Status : Collection/Chargeoff XXXX XXXX XXXX Account # XXXX Date opened : XX/XX/year> Balance : {$700.00} Payment Status : Collection/Chargeoff Equifax XXXX XXXX Account # XXXX Date XXXX XXXX XX/XX/year> Balance : {$700.00} Payment Status : Collection/Chargeoff

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 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 recently did an investigation on my credit report and found several items that are inaccurate. Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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 shalli ) 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. Please remove the following items from my credit report, immediately : Experian XXXX XXXX Account # XXXX Date opened : XX/XX/year> Balance : {$700.00} Payment Status : Collection/Chargeoff XXXXXXXX XXXX XXXX Account # XXXX Date opened : XX/XX/year> Balance : {$700.00} Payment Status : Collection/Chargeoff XXXX **** XXXX Account # XXXX Date opened XXXX XX/XX/year> Balance : {$700.00} Payment Status : Collection/Chargeoff

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 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Formal Complaint Against Bureaus for Violations of the Fair Credit Reporting Act ( FCRA ) and Other Federal and State Laws Complainant : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear CFPB, I am filing a formal complaint against Bureaus for multiple violations of federal and state laws regarding the handling of my credit report. Despite my repeated efforts to dispute fraudulent and inaccurate accounts on my credit file, Bureaus has failed to comply with legal requirements under the Fair Credit Reporting Act ( FCRA ) and other regulations. Below is a detailed account of the violations and demands for corrective action : Violations : Failure to Notify of Debt Validation ( 15 U.S.C. 1692g ) : Creditors and Bureaus failed to provide written validation of debts within five days of reporting accounts, violating debt collection laws.

Failure to Ensure Accuracy ( FCRA 607 ( b ) ) : Bureaus did not maintain maximum accuracy in reporting. Discrepancies in balances, dates, and account statuses persist.

Failure to Investigate ( FCRA 611 ( a ) ( 1 ) ( A ) ) : Bureaus failed to investigate disputes within 30 days, violating legal timelines.

Failure to Reinvestigate ( FCRA 611 ( a ) ( 6 ) ) : Despite multiple disputes, Bureaus did not conduct proper reinvestigations as required by law.

Failure to Protect Personal Information ( Gramm-Leach-Bliley Act, 15 U.S.C. 6801-6809 ) : Bureaus failed to safeguard my personal information, allowing identity theft.

Identity Theft Protections Ignored ( 18 U.S.C. 1028 ) : Bureaus failed to address fraudulent accounts despite identity theft protections under federal law.

Failure to Provide Resources for Identity Theft Victims ( 15 U.S.C. 1681g ( e ) ) : Bureaus did not implement fraud alerts or offer support for victims as mandated.

State Law Violations : Identity theft protections under Florida Statutes and Connecticut General Statutes 53a-129a to 53a-129d were ignored, violating state laws. 

Fraudulent Accounts : XXXX XXXX Account Number XXXX XXXX : Account Number XXXX Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Incorrect Addresses : Incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX, '' must be removed immediately XXXX 

Demands : XXXX removal and blocking these accounts Written confirmation of account removals and an updated credit report. 

Implementation of fraud alerts and compliance with identity theft protections. 

Detailed investigation findings in writing. 

If these issues are not resolved within 15 days, I request CFPB intervention to enforce compliance. I reserve the right to pursue legal action under FCRA and related laws.

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 2024-12-24 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:
Subject : Formal Complaint Against Bureaus for Violations of the Fair Credit Reporting Act ( FCRA ) and Other Federal and State Laws Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  SSN : XXXX XXXX XXXXXXXX Dear CFPB, I am filing a formal complaint against Bureaus for multiple violations of federal and state laws regarding the handling of my credit report. Despite my repeated efforts to dispute fraudulent and inaccurate accounts on my credit file, Bureaus has failed to comply with legal requirements under the Fair Credit Reporting Act ( FCRA ) and other regulations. Below is a detailed account of the violations and demands for corrective action : Violations : Failure to Notify of Debt Validation ( 15 U.S.C. 1692g ) : Creditors and Bureaus failed to provide written validation of debts within five days of reporting accounts, violating debt collection laws.

Failure to Ensure Accuracy ( FCRA 607 ( b ) ) : Bureaus did not maintain maximum accuracy in reporting. Discrepancies in balances, dates, and account statuses persist.

Failure to Investigate ( FCRA 611 ( a ) ( 1 ) ( A ) ) : Bureaus failed to investigate disputes within 30 days, violating legal timelines.

Failure to Reinvestigate ( FCRA 611 ( a ) ( 6 ) ) : Despite multiple disputes, Bureaus did not conduct proper reinvestigations as required by law.

Failure to Protect Personal Information ( Gramm-Leach-Bliley Act, 15 U.S.C. 6801-6809 ) : Bureaus failed to safeguard my personal information, allowing identity theft.

Identity Theft Protections Ignored ( 18 U.S.C. 1028 ) : Bureaus failed to address fraudulent accounts despite identity theft protections under federal law.

Failure to Provide Resources for Identity Theft Victims ( 15 U.S.C. 1681g ( e ) ) : Bureaus did not implement fraud alerts or offer support for victims as mandated.

State Law Violations : Identity theft protections under Florida Statutes and Connecticut General Statutes 53a-129a to 53a-129d were ignored, violating state laws.

Fraudulent Accounts : XXXX : Account Number XXXX XXXX : Account Number XXXX Unauthorized Inquiries : XXXX Equifax XXXX Equifax XXXX XXXX XXXX XXXX Incorrect Addresses : Incorrect addresses such as XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, '' must be removed immediately .

Demands : Immediate removal and blocking these accounts Written confirmation of account removals and an updated credit report.

Implementation of fraud alerts and compliance with identity theft protections.

Detailed investigation findings in writing.

If these issues are not resolved within 15 days, I request CFPB intervention to enforce compliance. I reserve the right to pursue legal action under FCRA and related laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX, XXXX ] [ XXXX ] [ XXXX ] Date : [ XXXX XXXX ] To : [ XXXX  XXXX ] [ XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ] Re : Dispute of Collections Account # XXXX Dear Sir/Madam, I am writing to formally dispute the collections account listed on my credit report under the account number referenced above. Under 15 U.S. Code 1681i, I have the right to dispute any information on my credit report that I believe to be inaccurate, incomplete, or unverifiable. 

I demand that you conduct a full investigation of this account in compliance with Section 1681i ( a ), which requires that the information be verified, corrected, or deleted if it can not be substantiated. As per Section 1681s-2, it is also the responsibility of the furnisher of information to ensure the accuracy of the data they are providing to the credit bureaus. 

Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ), a collections account must be fully validated with supporting documentation from the original creditor. If such validation can not be provided, this account must be removed from my credit report immediately. 

I expect this matter to be resolved within 30 days as required by law, and I look forward to your timely response. 

Thank you for your attention to this urgent matter. 

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 2024-12-24 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Received an American Express Gift Card ( {$300.00} ) as a gift from work, have tried to make purchases well or to pay off my XXXX balance under the total credit card limit and all orders are declined. 

Upon researching, there are many others who have complained about the same issue on XXXX. There was one user who suggested we file a complaint here.

I can't even check my card balance on the Amex website, it says error check back in a few minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: MN

Complaint narrative:
The incident occurred on XX/XX/year>. A unauthorized transaction was made on my account for a withdrawal for {$800.00} that wasn't authorized. I was told by Sofi that it was from an authorized device and wouldn't tell my anything. I was hung up on and was told to stop calling about that transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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: Harris & Harris, Ltd.
State: VA

Complaint narrative:
This amount that is allegedly owed originated with the XXXX XXXX XXXX XXXX and the amount owed is not the amount stated in the attached letter. The account was turned over to a collection company known as Harris & Harris while I was making payments to the XXXX XXXX XXXX XXXX. This debt collector has repeatedly demanded that I make payments to both them and the XXXX XXXX XXXX XXXX for the same amount which has been disputed. 

On XX/XX/year> I spoke with a collection specialist named XXXX XXXX. XXXX XXXX was very helpful and attentive listening to everything I stated to her from the confines of my XXXX  room. I am currently recovering from XXXX XXXX and multiple XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am currently on a payment plan with the XXXX XXXX XXXX XXXXXXXX at {$67.00} a month at the end of each month for the next 60 months which began on XX/XX/year>. This payment was negotiated and agreed upon by myself and XXXX XXXX XXXX, a Specialist in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX back on XX/XX/year> at XXXX XXXX  ( I spoke with him via XXXX which is his cell and work numbers Payments have been made to the XXXX and XXXX XXXX is watching over this account. I have received calls from Harris and Harris Collections 7-10 times a day while I am trying my best recuperate from the multiple XXXX  and XXXX treatments I have been receiving. I have asked the collectors not to continue to call from XXXX Monday-Thursday and 10 times a day on Fridays and Saturdays. The most letter they claimed to have sent me, which I am attaching a copy of to this complaint, states that they have made repeated contacts with me through letters and emails demanding payment for this alleged debt. This is an utter and blatant lie as this attached letter is the first one I have ever received from Harris and Harris Collections. They are and been requesting during their harassing and threatening phone calls that I pay both them and the XXXX XXXX XXXX XXXX t

he same amount which I think is absurd and totally asinine. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I would like to dispute these inaccurate accounts on my credit report.

Equifax : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX : XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 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: AL

Complaint narrative:
I disputed the debt with XXXX XXXX and XXXX with all three bureaus. I received my updated credit report and it looks like all of them say resolved. Yet, if you look at the screenshot I have attached here, they all have different information for who the creditor is, the status, the comments. They did not modify or update anything. It is not complete or accurate. I know a bunch of the information they're reporting is incorrect. Can you please look into 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 explanation
Consumer complaint received 2024-12-24 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: TX

Complaint narrative:
I

n accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told Experian, XXXX, and XXXX to reinvestigate these 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. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company 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