vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint against XXXX XXXX and the credit reporting agencies for continued violations related to the account XXXX - XXXX. I have been disputing the inaccurate and unverifiable information on this account for over XXXX months, yet the errors remain. This is a blatant violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Issues and Violations : Inconsistent Reporting Across Bureaus : The reported balance is {$10000.00} across all bureaus. 
However, the high balance is inconsistently reported : Equifax and XXXX report a high balance of {$0.00}. 
XXXX reports a high balance of {$18000.00}. 
These discrepancies are unacceptable and reflect a failure to maintain accurate and consistent reporting. 

Contradictory Payment Status : The payment history reflects late payments while simultaneously indicating the account is charged off with no further payment obligations. This inconsistency undermines the validity of the reported information. 
Duplicate and Conflicting Comments : Comments state the account was closed due to inactivity and also charged off. How can an account be inactive yet continue to generate derogatory marks? 
Failure to Validate the Debt : Despite repeated disputes for over XXXX months, neither XXXX nor the credit bureaus have provided adequate validation for this debt. Reporting unverifiable information is a direct violation of the FCRA Section 609. 
My Frustration and Damages : I am beyond frustrated with the incompetence and disregard for my rights displayed by XXXX and the credit bureaus. This ongoing issue has caused significant damage to my credit profile, preventing me from accessing fair financial opportunities. The fact that this inaccurate information continues to be reported after XXXX months of disputes is inexcusable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, Ga XXXX XX/XX/year> American ExpressXXXX XXXX Department XXXX : Request for Account Information XXXX Dear American Express Team, I am writing to formally request information regarding my account with American Express. Please note that this is not a dispute but a request for clarification of specific details associated with the account. I kindly ask that you provide the following information : XXXX. The date of first delinquency associated with the account. 
XXXX. The date of the last payment made on the account. 
XXXX. The date of charge-off for the account. 
Your assistance in furnishing this information would be greatly appreciated. Please send your response to the address listed above or contact me at [ your phone number ] or [ your email address ] should you require any further details. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
XXXX XXXX : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This XXXX include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This XXXX include emails, letters, or notes documenting your interactions with the creditor. 
XXXX Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
XXXX XXXX : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This XXXX include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 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: FL

Complaint narrative:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of the accounting nature of the creditor on a statement. 

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor XXXX 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 XXXX ( b ) XXXX required with each billing cycle is mailed or delivered to the consumer not later than 21 days before the payment due date. 

The items below should all be updated to paid as agreed on my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 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:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

15 U.S. Code 1666b - Timing of payments ( 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 1637 ( b ) Statement required with each billing cycle is mailed or delivered to the consumer not later than 21 days before the payment due date. 

The items below should all be updated to paid as agreed on my consumer 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 2024-12-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XX/XX/XXXX To Whom This May Concern, After reviewing my credit reports, I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 

Account Name : XXXXXXXX XXXX- Account Number : XXXX Opened : XX/XX/XXXX As you know it is against the law to report any information not proven accurate. I demand that you provide me with concrete evidence of my obligation to said account. 

Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA and when you can not furnish the validity of the remark. I am not in dispute of the ownership of the account but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 

Warm Regards, XXXX XXXX XXXX Without Prejudice, All Natural Inalienable Rights Reserved

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 2024-12-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2024-12-11 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: FL

Complaint narrative:
I am filing this complaint against Equifax for unauthorized hard inquiries appearing on my Equifax credit report. i ve sent notices over and over since XXXX, XXXX These inquiries were made without my knowledge or consent and constitute a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I demand that you investigate this matter immediately and remove the fraudulent inquiries without delay. The unauthorized inquiries in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 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: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute inaccurate information that has been reported on my consumer file. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am entitled to accurate and complete information in my consumer reports, and I believe the following item ( s ) to be erroneous : - Creditor/Company Name : XXXX  - Account Number : XXXX - Inaccurate Information : - The Equifax report lists the account as having " XXXX XXXX ( terms ), '' which is inconsistent with XXXX and XXXX, which correctly report " XXXX XXXX ( terms ). '' This inconsistency creates confusion and misrepresents the accounts terms. 
- XXXX includes a " CONSUMER STATEMENT ITEM IN DISPUTE BY CONSUMER, '' which is not present in XXXX or Equifax reports, suggesting unresolved disputes. 
- The " Date Last Active '' is listed as " XX/XX/year> '' in Equifax, whereas XXXX and XXXX correctly report " XX/XX/year>. '' - The " Date of Last Payment '' is reported as " XX/XX/year> '' by Equifax, while XXXX and XXXX accurately list it as " XX/XX/year>. '' - XXXX includes comments regarding a " CONSUMER STATEMENT, '' while this field is blank for both XXXX and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 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: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute inaccurate information that has been reported on my consumer file. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am entitled to accurate and complete information in my consumer reports, and I believe the following item ( s ) to be erroneous : - Creditor/Company Name : XXXX  - Account Number : XXXX - Inaccurate Information : - The Equifax report lists the account as having " 0 months ( terms ), '' which is inconsistent with XXXX and XXXX, which correctly report " 120 months ( terms ). '' This inconsistency creates confusion and misrepresents the accounts terms. 
- XXXX includes a " CONSUMER STATEMENT ITEM IN DISPUTE BY CONSUMER, '' which is not present in XXXX or Equifax reports, suggesting unresolved disputes. 
- The " Date Last Active '' is listed as " XX/XX/year> '' in Equifax, whereas XXXX and XXXX correctly report " XX/XX/year>. '' - The " Date of Last Payment '' is reported as " XX/XX/year> '' by Equifax, while XXXX and XXXX accurately list it as " XX/XX/year>. '' - XXXX includes comments regarding a " CONSUMER STATEMENT, '' while this field is blank for both XXXX and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NY

Complaint narrative:
I am again submitting another formal complaint against ECSI in regards to my Perkins Loan account, XXXX, currently managed by ECSI. ECSI dare claimed they check with XXXX XXXX ( aka ) XXXX XXXX XXXX , who owned the Perkins Loan on whether this loan was paid in full, but they did not! After extensive emailing with Student Loan Office and their XXXX XXXX for XXXX XXXX University, the loan office agreed with me that this loan was paid in full on XX/XX/year> to them via their lawyer XXXX XXXX XXXX XXXX XXXX on XX/XX/year> in the amount of {$1300.00}, covering all principal, interest, and fees. I received a pdf letter via email from the Student Loan Office stating this loan is now {$0.00}, as well as, their emails agreeing to the dismissal of the loan as payment in full at that time. 

To clarify : I now have proof of payment of loan in full via credit card statement showing payment to the lawyer XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXXXXXX XXXX XXXX XXXX  on XX/XX/year> in the amount of {$1300.00} and a letter from XXXX XXXX XXXX  Student Loan Office stating Paid in Full for that payment. 

Therefore ECSI 's claims on my fully paid Perkins loan debt including their predatory actions of adding nonsensical fees to line their greedy pockets is no longer valid. My letter can be verify with XXXX XXXX XXXX  via my contact persons XXXX XXXX and XXXX XXXX at XXXX. ( who kindly provided me the letter stating payment in full for the loan mentioned ). This letter has been upload with my private information blocked out as per CFPB 's suggestions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 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: FL

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. 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 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint against XXXX XXXX and the credit reporting agencies for continued violations related to the account XXXX - XXXX. I have been disputing the inaccurate and unverifiable information on this account for over XXXX months, yet the errors remain. This is a blatant violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Issues and Violations : Inconsistent Reporting Across Bureaus : The reported balance is {$10000.00} across all bureaus. 
However, the high balance is inconsistently reported : XXXX and XXXX report a high balance of {$0.00}. 
TransUnion reports a high balance of {$18000.00}. 
These discrepancies are unacceptable and reflect a failure to maintain accurate and consistent reporting. 

Contradictory Payment Status : The payment history reflects late payments while simultaneously indicating the account is charged off with no further payment obligations. This inconsistency undermines the validity of the reported information. 
Duplicate and Conflicting Comments : Comments state the account was closed due to inactivity and also charged off. How can an account be inactive yet continue to generate derogatory marks? 
Failure to Validate the Debt : Despite repeated disputes for over XXXX months, neither XXXX nor the credit bureaus have provided adequate validation for this debt. Reporting unverifiable information is a direct violation of the FCRA Section 609.

My Frustration and Damages : I am beyond frustrated with the incompetence and disregard for my rights displayed by XXXX and the credit bureaus. This ongoing issue has caused significant damage to my credit profile, preventing me from accessing fair financial opportunities. The fact that this inaccurate information continues to be reported after XXXX months of disputes is inexcusable.

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 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint against XXXX XXXX and the credit reporting agencies for continued violations related to the account XXXX - XXXX. I have been disputing the inaccurate and unverifiable information on this account for over XXXX months, yet the errors remain. This is a blatant violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Issues and Violations : Inconsistent Reporting Across Bureaus : The reported balance is {$10000.00} across all bureaus. 
However, the high balance is inconsistently reported : Equifax and XXXX report a high balance of {$0.00}. 
XXXX reports a high balance of {$18000.00}. 
These discrepancies are unacceptable and reflect a failure to maintain accurate and consistent reporting. 

Contradictory Payment Status : The payment history reflects late payments while simultaneously indicating the account is charged off with no further payment obligations. This inconsistency undermines the validity of the reported information. 
Duplicate and Conflicting Comments : Comments state the account was closed due to inactivity and also charged off. How can an account be inactive yet continue to generate derogatory marks? 
Failure to Validate the Debt : Despite repeated disputes for over XXXX months, neither XXXX nor the credit bureaus have provided adequate validation for this debt. Reporting unverifiable information is a direct violation of the FCRA Section 609.

My Frustration and Damages : I am beyond frustrated with the incompetence and disregard for my rights displayed by XXXX and the credit bureaus. This ongoing issue has caused significant damage to my credit profile, preventing me from accessing fair financial opportunities. The fact that this inaccurate information continues to be reported after XXXX months of disputes is inexcusable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: LJ Ross Associates
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation