vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-11 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I tried several times to access my Money Network card account online. I called only to discover that my card had been compromised. Someone had changed the email/phone on my account and was spending the money. I was given a partial accounting and only discovered that when I was given the new card, with a much smaller balance than expected. I had already filed a dispute for the transactions I was told about. They neglected to give a full accounting and now say they can not access my account and that I don't even show up in their system. I am currently missing {$600.00} This is an incompetent and non-secure system. They should not have the government account. I previously had a card from XXXX and never worried about the card constantly being hacked. 
Regarding the dispute, they said that the transactions had digital validation and that I could see the documentation used to make this determination. They claim now that I have no account and there is no information for them to share. They have given me a number that goes back to a general EDD number that has nothing to do with the credit card. They claim to have no record of an account. Even claiming that they have no information for the new card, even though this is the same number I used to begin the dispute over 2 months ago.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, 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 non-monetary relief
Consumer complaint received 2024-12-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to request the immediate deletion of two XXXX accounts that are inaccurately reporting on my credit report. I have confirmed directly with XXXX that these accounts are beyond the statute of limitations for debt collection under Illinois law, which is five years. I have attached proof of this confirmation for your reference. 

The specific accounts are as follows : Account XXXX Shows a past due balance of {$5400.00}, with the status listed as " written off. '' Account XXXX : Shows a balance of {$6000.00}. 
Neither account includes the last payment date on my credit report, but XXXX has verified that both are outside the statute of limitations. Reporting these debts as active and collectible violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2, as they are no longer valid for collection and misrepresent my creditworthiness.

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 — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : AMERICAN EXPRESS In addition, please remove all non-account holding inquries over 30 days old. Also, please add a promotional suppression to my credit file. 

Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, tro o be provided within fifteen ( 15 ) days of the completion of your re-investigation.

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: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
To Whom It May Concern : I am writing due to the negative marks you've made on my credit file. I would be willing to accept this debt if it were mine and upon Validation and Proof of Claim but it's not mine and there's no way that you can validate it. I'm sure you are aware of the provisions of the Fair Debt Collection Practices Act ( FDCPA ) so let it be known that I am requesting full validation of this debt. I am requesting proof that I am indeed the party you are asking to pay this debt, and that there is some contractual obligation which is binding on me to pay it. I request that you stop contacting me by telephone and restrict your contact with me to writing only, and only when you can provide adequate validation of this alleged debt. To refresh your memory on what constitutes legal validation, here is a list of the required documentation : Complete payment history, the requirement of which has been established by XXXX v XXXX, XXXX XXXX XXXX ; XXXX XXXX. App. LEXIS XXXX. Please provide verification by line item ( with an explanation of each item such as when the purchase took place, how much the item was, were th goods received, when were the goods received, etc. ) for the entire amount you say I owe obtained directly from the Original Creditor.

Date of Last Activity My full, complete and correct social security number that may help to identify me as the correct person you are trying to collect from. 
Agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor. 
The obligation between you and I that allows you to collect on the alleged debt and any transactions between your company that binds me to an agreement to pay your company any money that you claim I owe. Proof of photo identification ( i.e., driver 's license, state identification card, or other government issued identification card ) that was presented to you at the time of incurring this debt. 
Letter of sale or assignment from the original creditor to your company. I'm sure you know, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until this debt is validated. You should be made aware that in XXXX v. XXXX XXXX, XXXX. Civ XXXX ( XXXX XXXX XXXX ), the court XXXX ruled that reporting a collection account is, indeed, considered collection activity. You should also note that this is not a request for " Partial '' Validation but rather, it's a request for EVERYTHING listed here in order to constitute full and sufficient validation of this debt. 
XXXX While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FDCPA and other statutes. I look forward to an uneventful resolution of this matter.

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 status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Recently, I reviewed my credit report and found multiple mistakes regarding late payments. These do not match my usual payment record. Please address these errors and make the necessary updates.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to inform you of the recent outcome regarding a dispute I initiated concerning a {$12000.00} charge-off from XXXX XXXX XXXX XXXX XXXX on my XXXX secondary credit report. On XX/XX/year>, XXXX completed its investigation of this disputed account and subsequently deleted the account from my XXXX report. As this account has now been deleted by XXXX, I respectfully request that the same action be taken on my credit reports with your agency, as this account is no longer verifiable. According to the Fair Credit Reporting Act ( FCRA ), specifically Section 1681i, if an account is found to be unverifiable by any of the credit reporting agencies, it must be removed from the consumers credit report within a reasonable time frame, generally 30 days from the completion of the dispute process. 
If XXXX has determined the account to be unverifiable and deleted it, I believe this serves as definitive evidence that the account should not appear on my credit report with your agency either. I respectfully urge you to remove the unverifiable {$12000.00} XXXX XXXX XXXX charge-off from my credit report within 30 days of this notice. 
In accordance with the FCRA, specifically Section 1681i ( a ), the credit reporting agencies are required to conduct a reasonable reinvestigation if a dispute is raised and ensure that any account that can not be verified is removed from the consumers report. If you fail to remove this unverifiable account within 30 days or less, I am aware that I have the right to take legal action under the FCRA and other applicable consumer protection laws. Section 1681n of the FCRA provides that if a consumer reporting agency willfully fails to comply with the FCRA, the consumer is entitled to actual damages, punitive damages, and attorney fees. Further, Section 1681o provides for actual damages in cases of negligent non-compliance. Given this, I ask that you take prompt action to remove the unverifiable account from my credit report within 30 days to ensure compliance with the law and avoid the necessity of pursuing legal remedies. 
Thank you for your prompt attention to this matter. I expect confirmation of the removal of this account from my credit report within the next 30 days.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I just recently noticed on XX/XX/2024 a collection was added to my credit report that didnt have permissible purpose according to the Fair Credit Act according to 15USC1681B. 

The Company is XXXX XXXX XXXX XXXX CO Amount XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ( 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 belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VI

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b
) ( 6 ). These accounts are false and falls under trafficking according to Trafficking-Debt Final Rule XXXX002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information XXXX, Equifax, 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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. 
I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). These accounts are false and falls under trafficking according to XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information XXXX, XXXX, Experian.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND THESE ARE DAMAGING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT BECAUSE THESE ARE PURELY IDENTITY THEFT. 

Account Name : XXXX XXXXXXXX XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX XXXXXXXX XX/XX/XXXX - Balance : {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TD XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX GA XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXX/XX/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 2024-12-11 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: AZ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND THESE ARE DAMAGING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT BECAUSE THESE ARE PURELY IDENTITY THEFT. 

Account Name : XXXX  XXXX XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX  XXXX XX/XX/XXXX - Balance : {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXI XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX 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 XXXXXX/XX/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 2024-12-11 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, TRANSUNION CONSUMER SOLUTIONS, AND XXXX XXXX XXXX, has violated the FCRA, by conducting a reasonable investigation under FCRA 1681s-2 ( b ) requires the furnisher to examine sufficient evidence to determine whether the disputed information is accurate1. The FCRA requires consumer reporting agencies ( CRAs ) to conduct a reasonable reinvestigation to determine whether disputed information in a consumers file is inaccurate 4.

15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity thef
t report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
I filed a dispute with XXXX, Transunion, and XXXX regarding fraudulent accounts that had been reporting under my name and social security number that they maintain under a credit profile on XX/XX/year>. I filed another dispute XX/XX/year>, also addressing the accounts, by providing an Identity Theft statement, that outlines the accounts reporting. In the affidavit I made it clear that these are accounts are not transactions that I have been associated with, and that they were fraudulent. As of today, my dispute came back from XXXX stating that the XXXX account was verified. At this time the accounts from XXXX Bank account ( XXXX and JPMCB ( XXXX ) are not accounts authorized by me. I want the accounts removed from the credit reports that are maintained under my number. Failure to remove the accounts, will result in a lawsuit being filed against each credit reporting agency. I will attach verifying documents.

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