vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-10 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: VA

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 response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
I have ask this company to stop reporting actively on my credit report because this card has been attached to my income as I showed proof of that and two its in bankrupcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
I am formally disputing the CB/EXPRESS account ( Account Number : XXXX ) as reported on my credit reports by XXXX, XXXX, and XXXX. Despite submitting multiple dispute requests over the past several months, CB/EXPRESS has failed to validate this debt within the required 30-day timeframe, as stipulated by the Fair Credit Reporting Act ( FCRA ). Additionally, there are several errors and inconsistencies in how this account is reported, which justify the immediate deletion of this account. 

Errors Identified Illogical Reporting Dates : The Start Date is reported as XX/XX/XXXX, which is a future date. 
Error : Reporting a start date in the future is factually incorrect and misleading. 
Violation : FCRA 607 ( b ) Failure to ensure maximum possible accuracy. 
Inconsistent High Balance Reporting : XXXX : High Balance {$1100.00} XXXX : High Balance {$0.00} XXXX : High Balance {$1100.00} Error : The high balance should be consistently reported across all credit bureaus. 
Violation : FCRA 607 ( b ) Inaccurate and inconsistent reporting of high balance. 
Conflicting Reporting on Payment Status : Reported Payment Status : Collection/Chargeoff with a {$0.00} balance. 
Error : If the balance is {$0.00}, the account should not be reported as a collection or charge-off. 
Violation : FCRA 623 ( a ) ( 1 ) Furnishing misleading or inaccurate information. 
Discrepancies in Last Activity Dates : XXXX : Last Activity XX/XX/XXXX XXXX : Last Activity XX/XX/XXXX XXXX : Last Activity XX/XX/XXXX Error : Inconsistent reporting of the last activity date across the bureaus. 
Violation : FCRA 607 ( b ) Failure to ensure consistency in reporting. 
Failure to Validate the Debt : Despite multiple dispute requests, CB/EXPRESS has not provided documentation to validate the debt. 
Violation : FCRA 611 ( a ) ( 1 ) ( A ) Creditors must verify disputed information within 30 days or delete the account. 
Specific FCRA Violations Failure to Investigate and Verify Disputed Information : Violation : FCRA 611 ( a ) ( 1 ) ( A ) Failure to validate the debt within 30 days of dispute. 
Failure to Ensure Maximum Possible Accuracy : Violation : FCRA 607 ( b ) Errors in reporting dates, high balances, and payment statuses violate the requirement for accuracy. 
Failure to Delete Unverified Information : Violation : FCRA 611 ( a ) ( 5 ) ( A ) If information can not be verified within 30 days, it must be deleted.

Misleading and Conflicting Reporting : Violation : FCRA 623 ( a ) ( 1 ) Providing false or misleading information to the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 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: National Enterprise Systems, Inc.
State: TX

Complaint narrative:
National Enterprise System is the 3rd party trying to collect in this debt. XXXX XXXX purchased this debt from XXXX. Now XXXX is claiming that I owe them this debt. {$2600.00}, from XX/XX/year>. 
Summary of Complaint : I am submitting this complaint against XXXX XXXX concerning their collection practices and the validity of the debt they claim I owe. Below are the specific issues : Ownership of Debt : Provide documentation of the chain of ownership, including how the debt was purchased and transferred to the collector. 
Legal Collectability of Charged-Off Debt : Clarify how a charged-off debt remains legally collectable and why collection efforts are continuing. 
IRS Reporting ( 1099-C ) : Explain why a 1099-C form has not been issued if the original creditor has canceled the debt for tax purposes.

Compliance with FDCPA : Detail how the collector is adhering to FDCPA rules in their communication and collection practices.

Use of OC-10 Federal Reserve Window : Explain whether the original creditor used an OC-10 Federal Reserve Window or similar process involving negotiable instruments, such as a promissory note, to settle this debt, and clarify why this debt is still being pursued if it was already processed through such mechanisms.

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 2024-12-10 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: UPGRADE, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX is the 3rd party trying to collect in this debt. XXXX XXXX purchased this debt from Upgrade. Now XXXX is claiming that I owe them this debt. {$2600.00}, from XX/XX/year>. 
Summary of Complaint : I am submitting this complaint against XXXX XXXX concerning their collection practices and the validity of the debt they claim I owe. Below are the specific issues : Ownership of Debt : Provide documentation of the chain of ownership, including how the debt was purchased and transferred to the collector. 
Legal Collectability of Charged-Off Debt : Clarify how a charged-off debt remains legally collectable and why collection efforts are continuing.

IRS Reporting ( 1099-C ) : Explain why a 1099-C form has not been issued if the original creditor has canceled the debt for tax purposes. 
Compliance with FDCPA : Detail how the collector is adhering to FDCPA rules in their communication and collection practices. 
Use of OC-10 Federal Reserve Window : Explain whether the original creditor used an OC-10 Federal Reserve Window or similar process involving negotiable instruments, such as a promissory note, to settle this debt, and clarify why this debt is still being pursued if it was already processed through such mechanisms.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX BALANCED {$3800.00} CREDIT COLL ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX BALANCED {$150.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX BALANCED {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX BALANCED {$3800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX BALANCED {$150.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX BALANCED {$1100.00}

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 2024-12-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CCS Financial Services, Inc.
State: NV

Complaint narrative:
I believe the account is invalid. CREDIT CONTROL SERVICE needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.CREDIT CONTROL SERVICE XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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:
I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX 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 non-monetary relief
Consumer complaint received 2024-12-10 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: GA

Complaint narrative:
[ XXXX XXXX  XXXX ] [ XXXX XXXX XXXX XXXX, XXXX  XXXX ] [ XXXX, Ga, XXXX ] [ XXXX ] [ XXXX ] [ XXXX ] Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Complaint of FCRA Violations and Cease and Desist Request To Whom It May Concern, I am writing to formally lodge a complaint regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) as it pertains to the improper handling and reporting of my credit file by Equifax. 

On XX/XX/year>, I received three correspondences from Equifax related to identity theft, which requested documentation to validate my identity. These correspondences were sent to my correct address at XXXX XXXX XXXX XXXX. In compliance with your requests, I have provided the necessary documentation several times over the past three months. The documents submitted include, but are not limited to : 1. Short and long form birth certificates 2. W-2 forms displaying my complete Social Security Number 3. Recent pay stubs 4. Georgia rental lease containing my current address 5. Georgia identification card Despite my repeated and timely submissions of these documents, Equifax has made no significant progress in updating my credit file to reflect the verified information. This ongoing pattern of hindering and delaying the accurate reporting of my credit information is highly concerning and indicative of egregious mishandling. 

I have not encountered such malicious resistance from XXXX or any other credit reporting agency. My requests to Equifax have gone unanswered, and the situation has only escalated. It is important to note that a Federal Trade Commission ( FTC ) fraud alert was placed on all my credit files in XXXX. Since then, instead of addressing the issue responsibly, Equifax has renewed its efforts to evade accountability for the FCRA violations that have been committed against me. 

Additionally, I wish to highlight that Equifax has enabled and allowed fraudulent companies to report inaccurate information on my credit file, constituting violations of both the FCRA and the Fair Debt Collection Practices Act ( FDCPA ). 

I hereby demand the following : 1. An immediate cessation of all improper handling of my credit file.

2. The removal of any inaccurate or unverified information reported by Equifax.

3. A thorough investigation ; into the current, not new investigation, into my identity theft claims based on the documentation I have provided.

4. Updated and accurate reporting on my credit file reflecting the verified information I have submitted. 

If these demands are not met promptly, I will not hesitate to escalate this matter to the Consumer Financial Protection Bureau and seek legal counsel to protect my rights under the law. 

Sincerely, [ XXXX XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: TX

Complaint narrative:
These items I did not authorize or give them to run my personal information. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-12-10 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
This letter is to inform you that I have received a copy of my credit report and found a number of items on the report that is incorrect.

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 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I am formally disputing the SYNCB/PPC account ( Account Number : XXXX ) as reported on my credit reports by XXXX, XXXX, and XXXX. Despite submitting multiple dispute requests over the past several months, SYNCB/PPC has failed to validate this debt within the legally required 30-day timeframe under the Fair Credit Reporting Act ( FCRA ). Additionally, the following errors and inconsistencies are present in the reporting, which warrant the immediate deletion of this account. 

Errors Identified Illogical Reporting Dates : The Start Date is reported as XX/XX/XXXX, which is a future date. 
Error : Reporting a start date in the future is factually inaccurate and misleading. 
Violation : FCRA 607 ( b ) Failure to ensure maximum possible accuracy. 
Inconsistent High Balances : XXXX : High Balance {$180.00} XXXX : High Balance {$0.00} XXXX : High Balance {$240.00} Error : The high balance should be consistently reported across all credit bureaus. 
Violation : FCRA 607 ( b ) Inaccurate and inconsistent reporting of high balances. 
Conflicting Last Activity Dates : XXXX : Last Activity XX/XX/XXXX XXXX : Last Activity XX/XX/XXXX XXXX : Last Activity XX/XX/XXXX Error : Inconsistent reporting of last activity dates indicates unreliable data. 
Violation : FCRA 607 ( b ) Inaccurate reporting of account activity. 
Failure to Validate the Debt : Despite multiple disputes, SYNCB/PPC has not provided any documentation to validate this debt. 
Violation : FCRA 611 ( a ) ( 1 ) ( A ) Creditors are required to verify disputed information within 30 days.

Discrepancies in Past Due Amounts : XXXX : Past Due {$170.00} XXXX : Past Due {$170.00} XXXX : Past Due {$170.00} This balance should not be classified as past due if the account is charged off with a {$0.00} balance. 
Specific FCRA Violations Failure to Verify Disputed Information : Violation : FCRA 611 ( a ) ( 1 ) ( A ) SYNCB/PPC failed to verify the disputed information within 30 days.

Failure to Ensure Maximum Possible Accuracy : Violation : FCRA 607 ( b ) Errors in reporting dates, high balances, and activity dates demonstrate failure to ensure accurate reporting.

Failure to Delete Unverified Information : Violation : FCRA 611 ( a ) ( 5 ) ( A ) If the debt can not be verified, it must be deleted from my credit report. 
Providing Misleading Information : Violation : FCRA 623 ( a ) ( 1 ) Furnishing inaccurate or misleading information to credit reporting agencies.

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 2024-12-10 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: NJ

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 2024-12-10 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: NV

Complaint narrative:
These accounts are in violation of 15 USC 1681 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

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 2024-12-10 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: FL

Complaint narrative:
My rights enacted by the FCRA, FBCA and privacy act are in violation by the unaffiliated 3rd party ( s ) this complaint is going to. For items that have been placed on my credit report. I have included attached documents of these items. As for 15 USC 6802 B and C. I was never provided the knowledge of the opportunity to opt out of my personal information being reported. I then was also not provided knowledge and instructions on how to opt out of my personal information being reported. In addition I have late payments that are being listed that were never verified and violating my rights for 15 USC 1666 B. Both the credit furnisher and reporting agencies are in violation of these acts. They are unable to provide adequate verifiable proof. Which has also been attached in the documents uploaded, providing exact types of acceptable proof to have it considered verified. Lack of this acceptable proof based on the claim is lack of Corporate Compliance and a crime. If the proper recordings matching the letters are not rectified within 30 days and updated immediately with proof of the update. I will next exercise my rights to take legal actions. Since both parties are currently the acting fiduciary agents over my entrusted interests and information. I will take this to federal court to seek the highest claim of the Federal Reserve Act section 29.

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