vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-29 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: TX

Complaint narrative:
Subject : Formal Complaint Regarding Inaccurate Information and Identity Theft Impact Across Credit Reporting Agencies Dear CFPB, I am writing to request your assistance in resolving an ongoing issue with inaccurate information on my credit reports from XXXX, Equifax, and XXXX. Despite numerous attempts to have this incorrect information corrected, the credit reporting agencies have failed to address the problem, leaving me with a compromised credit profile and exacerbating the consequences of identity theft. 

The following personal information in is the only accurate and valid data for my credit report : All other personal details listed on my credit reportssuch as incorrect names, addresses, or phone numbersare outdated, false, or fraudulent. I have been a victim of identity theft, and these inaccuracies have contributed to further issues with my creditworthiness. I have already filed an identity theft report with the Federal Trade Commission and my local law enforcement, as required by 15 U.S.C. 1681g ( e ) of the Fair Credit Reporting Act ( FCRA ). 

I have previously requested that XXXX, Equifax, and XXXX delete this incorrect information from my credit reports as mandated under 15 U.S.C. 1681i and 15 U.S.C. 1681c-2 of the FCRA, as well as Texas Business & Commerce Code 20.03 . However, these agencies have not complied with the law. Under Texas Identity Theft Enforcement and Protection Act ( Texas Business & Commerce Code 521.051 ), I am further entitled to the removal of any data linked to identity theft, yet these rights have also been ignored. 

I am now seeking the CFPB 's assistance to investigate and enforce these corrections, as the reporting agencies have failed to comply with federal and state laws. This ongoing negligence is damaging my financial standing and causing further complications due to the unresolved identity theft issues. 

Please help ensure that these credit reporting agencies are held accountable for their legal obligations to maintain accurate records and promptly delete false or outdated information. 

I appreciate your immediate attention to this matter and look forward to your assistance in achieving a swift resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
Someone used my ID to apply for a loan from your company. I don't know how you approved it.

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 2024-09-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Upstart Holdings, Inc.
State: MD

Complaint narrative:
VALIDATION LETTER Date : XX/XX/year> To Whom it May Concern : This letter is being sent to you in response to a notice sent to me on XX/XX/year> regarding account XXXX Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is not a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with evidence that I have any legal obligation to pay you, including the following documentation : 1. Agreement with the creditor that authorizes you to collect on this alleged debt ; The agreement bearing my signature stating that I have agreed to assume the debt ; 3. Valid copies of the debt agreement stating the amount of the debt and interest charges ; 4. Proof that the Statute of Limitations has not expired ; 5. Complete payment history on this account along with an accounting of all additional charges being assessed ; 6. Proof that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent. At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your office fails to reply to this debt validation letter within thirty ( 30 ) days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have been dealing with a situation for several months now. There are numerous inaccuracies in my credit report, and it has reached a point where legal action will be taken in the next few weeks. I filed for bankruptcy two years ago, and according to the proceedings, everything was supposed to be removed after the two-year mark. However, this has not been done. There are also inaccurate accounts being reported, and the credit agencies are claiming to have verified my bankruptcy with the courts, which is not accurate as courts do not verify such information. Additionally, they are falsely reporting that I am deceased, which has greatly affected my ability to obtain credit. I have made multiple attempts to rectify these issues, and if they are not resolved within the next three weeks, I will be filing lawsuits against Trans Union, XXXX, and the Consumer Financial Protection Bureau ( CFPB ).

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 2024-09-29 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Westlake Services, LLC
State: NC

Complaint narrative:
This account was written off as in charged off, and I never received an 1099 c cancellation of debts form. And because of that this account is an accurate and has to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 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: FL

Complaint narrative:
Account NameXX/XX/XXXXAccount Number XXXX Account Name XXXX XXXX Account Number XXXX RE : Inaccurate Credit Reporting ( 15 USC 1681s2 ) To whom it may concern, I am writing this letter to inform you that I have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information.

The following account ( List name and number of account ) is reporting a balance of ( enter balance amount ) when it is my understanding an reason to believe that because this debt was charged off by you that is was memorialized with a Form 1099C as proof or evidence thereof. And that because of that fact, this debt is cancelled and at least should not reflect the balance that is currently showing of ( enter balance amount ) on my consumer file. 

This would indicate inaccurate reporting on your behalf and therefore is a violation of the FCRA by you the furnisher to continue to report this inaccurate information. Especially with the actual knowledge, notice and confirmation of the errors.

Please provide me with the return of the time and form as prescribed by regulation or the Secretary of my name, my address, my TIN, the date, and amount of the discharged/charged off debt and any other information as prescribed by the Secretary.

If not, then I would demand that the account be removed from my credit report completely to avoid any legal recourse or action on behalf of myself by retained counsel. 

Thank you for your time and consideration in this matter. I look forward to hearing a favorable reply. Please forward any correspondence or changes to my credit report to the address listed above. 

Regards,

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 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: U.S. BANCORP
State: IL

Complaint narrative:
USA Bank granted be XXXX car loans account numbers XXXX, and XXXX in the last XXXX years they refuse to report either of these accounts to my business credit XXXX XXXX XXXX or my personal credit. I have asked for an investigation to be conducted no one ever calls back. Lately, when I call every one at this bank suddenly do not speak English and hang up on me. Please help. 

It is quite suspicious to me when I call to make payment everyone speaks English.

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 2024-09-29 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am contacting XXXX in regards to Case # XXXX that was submitted on XX/XX/year> through CFPB regarding XXXX XXXX. XXXX has stated they have investigated and marked my report as verified/acceptable. I am now asking XXXX for verification of method of investigation. Please advise XXXX has a 15 day window allowable to provide the method of verification according to FCRA. If not provided within 15 days this will be a violation of my rights and I will seek damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 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: FL

Complaint narrative:
Inaccurate names reported on consumer report : A XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate addresses reported on consumer report : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CONTRACT CALLERS INC
State: CA

Complaint narrative:
XXXX XXXX Account # XXXX Date of birth : XX/XX/XXXX XXXX XXXX XXXX, XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX CONTRACT CALLERS INC XXXX XXXXXXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX Re : Disputing error [ s ] on credit report Dear Contract Callers, I am writing to dispute items and request a correction of the following information that appears on my [ XXXX, XXXX, XXXX ] consumer report. 
I am disputing this debt. The report shows I currently owe money for this account. This XXXX XXXX XXXX account was paid and closed in XXXX. Please do not call, text or email me about this matter. 

Dispute 1 : Collection agency has not provided me with validation information under 12 CFR1006.34 ( b ) ( 5 ) but yet they placed a collection on my consumer report. 
Dispute 2 : I have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( l ). 
Dispute 3 : Collection agency is violating my consumer rights by using false, misleading, misrepresentation and deceptive means. 
Dispute 4 : Collection agency has no authority to furnish any account to a consumer reporting agency without providing any and all disclosures required by law and they are in clear violation of 12CFR1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) Dispute 5 : Collection agency is listed as original creditor. XXXX XXXX XXXX was originally original creditor. 

I am requesting the following : 1. I am requesting you provide me with validation of this debt.

2. I am requesting the agreement between Contract callers and the original creditor.

3. Please provide proof that you are licensed and bonded.

4. Removal of this collection from my consumer report immediately. If this collection is not removed immediately, I will pursue all legal remedies available to me. 

Thank you for your assistance. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 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: Nelnet, Inc.
State: VA

Complaint narrative:
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 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 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 XXXX XXXX XXXX XXXX  I am reporting an issue under Section 605c of the FCRA ( Section 605c of the Fair Credit Reporting Act ). Thank you for your attention to this matter and express your hope for a prompt response. I am reporting an issue of inaccurate information of numerous account balances that is not mine. This information is highly affecting my credit score and my ability to secure loans. Please remove these accounts. These accounts are not mine. 
Please have these accounts removed as soon as possible. These accounts listed are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 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: OR

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TranUnion credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX 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 on XX/XX/XXXX, last XXXX account XXXX credit card account open at XXXX XXXX  on XX/XX/XXXX, last XXXX account XXXX an personal loan open at XXXX opened on XX/XX/XXXX under the account number XXXX and XXXX XXXX  account opened at XXXX XXXX on XX/XX/XXXX under the account XXXX. several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 the aforementioned consumer credit accounts, collections the result of identity theft and fraud.

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 2024-09-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
An Erroneous account reporting on my Credit Report Dear Sir/Madam, I am writing to express my concern regarding a significant data breach that reportedly compromised the personal information of nearly 3 billion individuals, including mine. According to recent reports, the stolen data includes sensitive information such as Social Security numbers, phone numbers, email addresses, and mailing addresses. Given the scale and severity of this breach, it is crucial to address the impact on individuals affected by this incident. In addition to the breach, I have discovered an account entry on my credit report. 

This entry is not only inaccurate, but I have never received a service nor product from company LVNV Funding. This is causing undue harm to my creditworthiness and financial stability. As a direct result of the breach, I am concerned that my personal information may have been used maliciously, leading to this erroneous reporting. 

I am a victim of a Data Breach : My personal information, including Social Security number, email address, and other sensitive data, was compromised in a recent cyberattack. A fictitious account is reporting on my credit from LVNV, I have asked this company to provide information on how my information was received and provide me a contract from their company with my signature and a service or product I have received. 

To no avail have LVNV provided me the requested contract with my signature. For this reason this is my reason for making a compliant with LVNV.I have contacted the credit reporting agencies to dispute the erroneous bankruptcy entry and requested a fraud alert be placed on my credit file. I have also monitored my financial statements for any signs of identity theft or fraudulent activity. Requested Action : I kindly request the FTCs assistance in investigating and they directed me the CFPB. Thank you for your time and assistance. 

Respectfully yours,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX I had XXXX charger for XXXX then on the XXXX they removed the charge and then it is said it must have not made the cut off time but it did. 

XXXX And they open an other checking account without me asking for it I feel like its retaliation for me sending the settlement request email to them. that they said they had not information about.

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 2024-09-29 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: DC

Complaint narrative:
I asked each company can they send the original documentation of myself giving authorization for them to have my information. I asked for this information a few times, I don't recall actual dates. I recently asked about a week ago and never received any information as of yet. This is my last resort to try and get something done or some help. I'm hoping I can get some much needed information to help me with long process. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am contacting Experian in regards to the account XXXX XXXX. Experian has stated they have investigated and marked my report as verified/acceptable. I am now asking Experian for verification of method of investigation. Please advise Experian has a 15 day window allowable to provide the method of verification according to FCRA. If not provided within 15 days this will be a violation of my rights and I will seek damages.

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 2024-09-29 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: NV

Complaint narrative:
Personal information associated with my name need to be removed Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I am no longer associated with this address and need it removed immediately According to the FCRA I as a consumer have the right to report and asked to be removed any inaccurate information on 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 2024-09-29 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I have been a victim of identity theft and I have a lot of inquiries on my credit report that I did not authorize, Due to my fcra rights I will like them removed from my credit profile I have learned now to lock my credit report. I will upload documentation of inquiries

Company response to consumer: Closed with explanation