vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-19 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: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX To : Equifax XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Dispute of Fraudulent Accounts and Inquiries Reference Numbers : FTC Complaint : XXXX CFPB Complaint Dear Sir or Madam, I, XXXX XXXX, hereby state that the information provided in this letter is accurate to the best of my knowledge. Several accounts and inquiries are being reported on my credit report that I have no knowledge of and believe to be fraudulent. 

As a result, I have filed complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) under the reference numbers provided above. I kindly request that you review the following details and take the appropriate action to remove these accounts and inquiries from my credit report. 


-- - Accounts to Be Removed : XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Balance : {$900.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Balance : {$430.00} XXXX. XXXX XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Balance : {$930.00} XXXX. XXXX XXXX Account Number : XXXX Balance : {$1700.00} XXXX Credit XXXX Account Number : # XXXX Date Opened : XX/XX/XXXX XXXX. XXXX XXXX Account Number : # XXXX Date Opened : XX/XX/XXXX -- - Inquiries to Be Removed : XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX  Inquiry Date : XX/XX/XXXX -- - Additional Requests : Adhere to the consumers complaint -- - Thank you for your prompt attention to this matter. Please provide confirmation of the actions taken to resolve this issue. I can be reached at the address provided above should you require any further documentation or clarification. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
VALIDATION AND CEASE AND DESIST RE : NAME : XXXX XXXX ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX ACCOUNT # XXXX Dear Sr : I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor? 

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW 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 VALIDATED THE DEBT. 

Please do not look at my credit report or report anything to my credit. I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have this debt. 

PERMISSABLE PURPOSE Please state why you have a permissible purpose to contact my credit. I dispute this. 

IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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: ACIMA CREDIT, LLC
State: MD

Complaint narrative:
ACIMA refuses to recognize their violations pertaining to the unauthorized use of my credit card, aka, my social security number. I am writing to you all with regards to the unauthorized use of my credit card. A credit card is defined as : any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. In this context, my social security card and/or driver 's license are credit cards. A credit card is ANY card existing for the purpose of obtaining money, property, labor or services on credit. My credit card was issued by the US government through the XXXX XXXX XXXX, therefore, any and all unauthorized use will be considered a violation under 15 USC 1602 ( p ), 18 USC 1028 ( a ) ( 7 ), and the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
I had a TD credit card on XXXX account. I Didnt not know it was still an active account nor was aware it was on my XXXX. My first payment wasnt processed and they dropped my credit score. The balance was paid in full a week later. It was an honest mistake but it dropped my score by a substantial amount. My score was over XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am a victim of identity theft. I sent TransUnion and the other two bureaus my police report. XXXX and XXXX blocked the fraudulent accounts listed in the police report within 4 days pursuant to the Fair Credit Reporting Act. TransUnion continues to report fraudulent information ( XXXX XXXX ) on my credit to date. I have called in to resolve this and the representatives have heavy accents and are located outside of the United States. I don't think they are fully familiar with the Fair Credit Reporting Act.

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 2024-11-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Kriya Capital, LLC
State: VA

Complaint narrative:
I called this company after being advised to by my lender for a mortgage and asked for a pay to delete. The pay to delete was agreed to and was recorded the entire time. When my lender attempted to confirm this they denied it. And are now stating they dont do that because they cant. Well its on recording that said they would so. This is holding up my closing and leaving my family homeless come the end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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: MD

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I attempted to purchase online in XXXX and was declined. I called customer service and they could not provide a reason even though the card has been paid in full since XXXX. During that call, I updated both my phone number and mailing address. The company was still reporting late payments in XX/XX/XXXX despite being paid off. I attempted to make another purchase in XXXX and was declined again. In neither case, I was given a reason that my attempt was declined. I then got a notice via XXXX XXXX that my acct was closed on XX/XX/XXXX. I have not received a statement in the mail nor an email providing a reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: CA

Complaint narrative:
I discovered that some of the information was erroneous. The EX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX Balance : {$29000.00} XXXXXXXX XXXX XXXX Balance : {$5200.00}

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 2024-11-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: AZ

Complaint narrative:
I joined Robinhood stock broker as a conduit for moving my money to another service using their crypto feature. Now my money is stuck there. I put XXXX in there an now I can't access it because they have de-activated my account First they said they needed to review my account and would be done by XX/XX/XXXX. On XX/XX/XXXX they said it will be done on XX/XX/XXXX. Today ( XX/XX/XXXX ) I checked and they said to wait until XX/XX/XXXX. They have a phone number but when I call they say access the website to get the number to call. And they website provides no way for me to access them at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: PA

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

XXXX XXXX XXXX, has violated my rights. 

I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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: TX

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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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: NC

Complaint narrative:
My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history 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 to be updated.

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 TRANSUNION 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! 


Update the late payments from my consumer reports

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 2024-11-19 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:
My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history 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 to be updated.

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 EXPERIAN XXXX 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! 


Update the late payments from my consumer reports

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 2024-11-19 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: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
Upon reviewing account XXXX on my credit report I identified several inaccurate late payment entries. I kindly request that your institution investigate these discrepancies and take the necessary steps to remove any inaccurate late payment entries from my credit report. These errors are negatively impacting my credit score and may affect my ability to secure credit in the future. It is essential that my credit file accurately reflects my payment history, which, as I have stated, has been on time and in full. 
Please review my payment records and provide me with a written response confirming that these late payments will be corrected. 
I respectfully ask that this issue be resolved as soon as possible and that I be notified of the outcome of your investigation. Should you need further information, please feel free to contact me at XXXX or 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 2024-11-19 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: National Credit Adjusters, LLC
State: MO

Complaint narrative:
Phone number ( XXXX - XXXX XXXX Receivables ) called me multiple times. I do not speak XXXX XXXX so I had my daughter call them to explain because I did not understand. When having my daughter call, XXXX accused me of lying of not being able to speak XXXX and cussed out my daughter and hung up. My daughter had to call multiple times to be able to speak to someone about debt. When finally talking to someone, they explained this debt is from XXXX from Kay Jewelers and I needed to pay or show proof of payment completion or else I would be sued. My daughter explained this loan has been paid and its XXXX now and why are they calling 11 years later, they said it is because of XXXX and the courts were closed. We also asked about the statute of limitations- which it has been past due, they said jewelry is considered a collateral and will always be owed. When asking information regarding the debt and requesting information ( a letter or statement ) they stated they sent multiple to our old address and one to our new address which we did not receive. When we asked them to send it again or email it to us, they said if you want documents then we can go to court and they can explain it there. We still have not been able to get written or emailed communication because they want to talk on the phone only and when asking for written communication they threaten us with going to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
It is my personal statement that the inquiries that I have listed are a result of identity theft and are fraudulent and must be deleted within four business days of your receipt of this report pursuant to 15 USC 1681C-2 of the FCRA. Also, pursuant to 15 USC 1681e ( b ) of the FCRA, you must maintain accurate records of my personal information within my credit file. Update my personal information to reflect accurately within my consumer report. 

Please see attached identity theft 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
Consumer complaint received 2024-11-19 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: MD

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