vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the reporting of an account by XXXX XXXX XXXX  XXXX on my credit report, which I believe is inaccurate. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692c ( c ), I am requesting the immediate removal of this account from my credit report. On [ XX/XX/year>, I sent a written request to XXXX XXXX XXXX XXXX requesting that they cease all communications with me regarding the alleged debt. This written request was made pursuant to 15 USC 1692c ( c ), which clearly states that a debt collector must cease communication with a consumer once a request is made in writing to do so, except in certain circumstances ( such as to notify the consumer of legal actions being taken ). Since I have exercised my right to request that XXXX XXXX XXXX XXXX cease communication, I believe that the continued reporting of this account on my credit report is in violation of the law. As a result, I respectfully request that the CFPB investigate this matter and assist in removing this account from my credit file. I would greatly appreciate your prompt attention to this matter. Please confirm in writing that this dispute has been received and is under investigation. If you require any further documentation or information from me, do not hesitate to contact me. Thank you for your assistance in resolving this matter. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
After reviewing my credit report, I noticed that I am a victim of identity theft. Please remove the accounts listed in the report from my credit profile.

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 2024-12-22 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: CA

Complaint narrative:
After reviewing my credit report, I noticed that I am a victim of identity theft. Please remove the accounts listed in the report from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 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: VA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2024-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: John C. Heath, Attorney at Law, PLLC
State: LA

Complaint narrative:
They took my money acking like they was going to fix my credit repair but they didnt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 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: GA

Complaint narrative:
Subject : Failure to Conduct a Proper Investigation of Disputes and Address 1099-C Non-Issuance by Collection Agency I am filing this complaint against Equifax, XXXX, and XXXX for two significant violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) : 1. Failure to Conduct a Proper Investigation of Disputed Information : On XX/XX/year>, I filed a dispute with XXXX regarding inaccuracies in my credit report. I explicitly requested a manual review of the disputed information due to its complexity. I provided clear supporting evidence, including highlighted copies of my credit report identifying the errors. However, XXXX used the E-Oscar system to process my dispute electronically rather than conducting the manual review I requested. This process fails to ensure a thorough investigation, as required under the FCRA. 
The response I received was vague and did not provide sufficient detail regarding the methods, sources, or procedures used to verify the disputed information. My specific questions about the investigation process remain unanswered. 
2. Failure to Address 1099-C Non-Issuance by a Collection AgencXXXX : XXXX. Despite my dispute, XXXX, Equifax, and XXXX continue to report this collection account without verifying its validity or requiring the collection agency to issue a 1099-C. This raises questions about the legitimacy of the debt and violates federal regulations. 

Account Name Account Number XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX XXXX DEPTEDXXXX XXXX XXXX DEPTEDXXXX XXXXXXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Key Violations : XXXX. Failure to Conduct a Reasonable Investigation : o XXXX violated 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) by failing to conduct a manual review of my dispute as explicitly requested. 
o The use of E-Oscar resulted in an inadequate and incomplete investigation. 
2. Failure to Provide Details of Investigation : o XXXX failed to provide the methods, sources, and documentation used in their investigation, as required by 15 U.S.C. 1681i ( a ) ( 4 ) and 15 U.S.C. 1681i ( a ) ( 6 ).

3. Inaccurate Reporting and Failure to Address
1099-C Non-Issuance : o XXXX, Equifax, and XXXX continue to report inaccurate information, violating my rights under 15 U.S.C. 1681e ( b ).

o The collection agencys failure to issue a 1099-C for canceled or forgiven debt violates IRS regulations and raises concerns about the accounts validity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 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: TX

Complaint narrative:
XXXX, XXXX XXXX XXXX, and Transunion Information Services has violated the FCRA 1681, by not conducting a reasonable investigation of account reported by XXXX XXXX XXXX XXXX with a balance of XXXX. This account has been reporting on my credit report for a few years. Please block the fraudulent information that is reporting on my credit file from this company. Attached is the FTC Statement, and a copy of my identity.

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 2024-12-22 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:
XXXX, Equifax XXXX XXXX, and XXXX XXXX XXXX has violated the FCRA 1681, by not conducting a reasonable investigation of account reported by XXXX XXXX XXXX XXXX with a balance of XXXX. This account has been reporting on my credit report for a few years. Please block the fraudulent information that is reporting on my credit file from this company. Attached is the FTC Statement, and a copy of my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 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: GA

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from 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
Consumer complaint received 2024-12-22 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: ACIMA CREDIT, LLC
State: OH

Complaint narrative:
sent letters to the credit reporting agencies concerning the company violations of the right to report, Non public personal Information. So the credit reporting agencies verified the information with the company and they said they verified with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
GM financial offered me 5 extensions throughout the life of my auto loan but never disclosed to me that they would be marking the payment as 30 days late even though the payment was moved to the end. It is inaccurate to report that I paid 30 days late when I havent even made the payments at all, because it was extended to the end of my loan. GM financial needs to update those months to say no data, since it is inaccurate that I paid 30-59 days late. I spoke to a customer service rep who said a manager would call me, but she never returned my call.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE

Complaint narrative:
Western Union did not send my money, even after several attempts on my part to have the money sent, and they didn't contact me with any valid reason of why the money was not transferred between my XXXX XXXX  to my bank in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 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: TX

Complaint narrative:
I used Lexington law twice once in approximately XX/XX/year> and again XX/XX/year>. I had to pay upfront a amount XXXX cant recall, then monthly + small other fees. I have no access to my profile they have completely shut me out.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 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: TX

Complaint narrative:
XXXX XXXX offered me 5 extensions throughout the life of my auto loan but never disclosed to me that they would be marking the payment as 30 days late even though the payment was moved to the end. It is inaccurate to report that I paid 30 days late when I havent even made the payments at all, because it was extended to the end of my loan. XXXX XXXX needs to update those months to say no data, since it is inaccurate that I paid 30-59 days late. I spoke to a customer service rep who said a manager would call me, but she never returned my call.

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 2024-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Then XXXX visible leaders I have been auditing Capital One I sent out a third degree authorization letter for a cease and desist for a hardship Capital One standard operating procedures on multiple accounts is only adhering to it's on Criminal exercises period this is no longer a consumer violation I am taking into Supreme Court for elderly abuse on my mother because they're filing a lawsuit on an elderly woman they would never file lawsuits on anybody else and they're only filing a lawsuit on her because why because she sent in our letter of hardship and guess what else I would like to request all records of Capital One how many dirty debtors did they resell it to I need my forms my 1099-C immediately I need it to be deleted off my account immediately there's a statute of limitations I have 20 Page Long case origination I'm ready to take to sue thank you very much and this is going to be on RICO Act you guys commit crime on a regular basis day-to-day as your standard operating procedure that you don't even know that this is a criminal act of Rico Act. if you don't believe me just wait till I see what charges that you're based on and how many counts you guys conjure everyday

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2024-12-22 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: GA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

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 2024-12-22 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: MD

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 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:
In 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 U.S.C. 1681. 

Account 1- XXXX XXXX XXXX XXXX Collection. Due XXXX. XX/XX/year> Account 2- XXXX XXXX. Collection. Due XXXX. XX/XX/year> Account 3- XXXX XXXX Collection. Due XXXX. XX/XX/year> Account 4- XXXX. Collection. Due XXXX. XX/XX/year> Account 5- Ressurgent. Not aware of this one only shows up on one report. 

Account 6- XXXX XXXX XXXX Collection. Due XXXX. XX/XX/year> Account 7- XXXX XXXX XXXX XXXX. Collection. Due XXXX. XX/XX/year>. 

Account 8- XXXX XXXX. Collection. Due XXXX. XX/XX/year>. 

15 U.S.C. 1681 Section 602 A states I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

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 response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 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: NC

Complaint narrative:
In 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 U.S.C. 1681. 

Account 1XXXX XXXX XXXX XXXX XXXX Collection. Due XXXX. XX/XX/year> Account 2- XXXX XXXX. Collection. Due XXXX. XX/XX/year> Account 3- XXXX XXXX Collection. Due XXXX. XX/XX/year> Account 4- XXXX. Collection. Due XXXX. XX/XX/year> Account 5- Ressurgent. Not aware of this one only shows up on one report. 

Account 6- XXXX XXXX XXXX Collection. Due XXXX. XX/XX/year> Account 7XXXX XXXX XXXX XXXX XXXX. Collection. Due XXXX. XX/XX/year>. 

Account 8- XXXX XXXX. Collection. Due XXXX. XX/XX/year>. 

15 U.S.C. 1681 Section 602 A states I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

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
Consumer complaint received 2024-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XX/XX/year> Someone took my cellphone and got into banking and used XXXX to send money to separate parties. Bank of America doesnt want to help says they cant do anything and that the money has gone to XXXX transfer, this is a bank Ive been using for over 20 years and XXXX cant help me either there is no contact I

nformation to speak to anyone about fraud or payments. Police took the womans information down they have her on camera and its being perused by a detective. The phone numbers she sent money to have been contacted and say they have no XXXX transactions, however I have confirmation codes and names of people involved. Authorities and state of Florida will now be involved the total number is XXXX XXXX dollars ( one transaction being XXXX and the other being XXXX ) even though it shows on XXXX and banks site that large of a sum of money cant be sent same day. Only XXXX XXXX at a time. 

I recommend people not to use XXXX or have it attached to your account to transfer money and I recommend you pull your money out of Bank of America as soon as possible as they are no help even when you go into branch to speak to someone.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-22 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: NC

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief