vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-12 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: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
My information was breached and solicited by the XXXX XXXX and XXXX on XX/XX/XXXX for {$940.00}, Transworld systems XXXX on XX/XX/XXXX for {$140.00}, XXXX Money on XX/XX/XXXX for {$2900.00}. No action has been taken to remove these payments from my credit report, nor was I contacted or received any documentation by either company, why this is reflecting on my credit report. 15 US code 645 states that this is false information and needs to be removed immediately from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: EGL US, LLC
State: GA

Complaint narrative:
My information was breached and solicited by the XXXX XXXX and XXXX on XX/XX/XXXX for {$940.00}, XXXX XXXX XXXX on XX/XX/XXXX for {$140.00}, BMG Money on XX/XX/XXXX for {$2900.00}. No action has been taken to remove these payments from my credit report, nor was I contacted or received any documentation by either company, why this is reflecting on my credit report. 15 US code 645 states that this is false information and needs to be removed immediately from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
I am disputing the collection account with TARGET/TD, account XXXX, dated XX/XX/year>, with a balance of {$0.00} This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that TARGET/TD, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Absolute Resolutions Corp.
State: DC

Complaint narrative:
When I was initially alerted about this debt, I requested debt validation and proof that this collection agency was licensed to collect on debt in XXXX  XXXX DC. After several requests, that information was never provided and months later this account is still being reported as a collection on my credit reports. Neither XXXX nor this debt collection agency have properly validated this debt. There is no way an account previously included in bankruptcy should appear as a new collection years later. Furthermore, this company isnt licensed to collect debt in XXXX XXXX DC.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: CITIZENS FINANCIAL GROUP, INC.
State: NC

Complaint narrative:
I have had two hard inquiries on my credit report that I did not authorize. One by XXXXXXXX XXXX on XX/XX/XXXX and another by Citizens Bank on XX/XX/XXXX 12th

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: Happy Money, Inc.
State: CA

Complaint narrative:
I am writing to formally dispute the following accounts on my most recent credit report due to significant violations of the Fair Credit Reporting Act ( FCRA ), Consumer Financial Protection Bureau ( CFPB ), & the Federal Trade Commission ( FTC ). These violations pertain to inaccuracies, incomplete reporting, and failures to comply wither federal laws requiring accuracy & proper handling of disputes. All of these accounts below have been completely paid in full for several years now. The accounts in dispute follow : XXXX. HAPPY MONEY INC/PAYOFF INC Account XXXX XXXX ) After reviewing my credit report, I have identified several discrepancies & violations that render these accounts invalid for reporting. Below are the specific violations of the FCRA, CFPB, & FTC : HAPPY MONEY INC/PAYOFF INC Account XXXX XXXX ) Inconsistencies Found : Different company names for same account Inconsistent charge-off reporting Different settlement status reporting Applicable Laws & Violations : 1. FCRA 623 ( a ) ( 5 ) [ 15 U.S.C. 1681s-2 ( a ) ( 5 ) ] : Requirements for furnishing information after settlement Violation : Misrepresentation of settlement/charge-off status Violation : Inconsistent reporting of settlement terms 2. Section 611 ( a ) ( 5 ) ( A ) of FCRA [ 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ] : " If the credit bureau can not verify the accuracy of the disputed information, it must delete the information on the credit report. '' Violation : The Credit Reporting Agencys failure of accurate reporting means the disputed items/accounts should have been removed.

3. Section 623 ( a ) ( 2 ) of FCRA [ 15 U.S.C. 1681s-2 ( a ) ( 2 ) ] : Violation : Failed to update account information consistently after company name change 4. Section 623 ( a ) ( 1 ) ( A ) of FCRA [ 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ] : Violation : Misrepresentation of settlement/charge-off status Violation : Inconsistent reporting of settlement terms 5. CFPB Bulletin 2014-01 : " Requirements for furnishing accurate information after debt settlement. '' Violation : Misrepresentation of settlement/charge-off status Violation : Inconsistent reporting of settlement terms 6. FTC Commentary 607 ( b ) -3 : Accuracy in reporting account transfers/acquisitions Violation : Misrepresentation of settlement/charge-off status Violation : Inconsistent reporting of settlement terms

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I ordered a phone case on XX/XX/year> that cost {$97.00}. It was financed with a promotion for deferred interest and equal payments for 12 months with td bank. ( 0 % APR for 12 months XXXX XXXX ). My original payments were less than $ 4 monthly. Sometimes I would pay more because the payments were so small. At some point my payment due amounts started to increase on my monthly statements. I could never get a sensible explanation from anyone as to why this was happening, so I just start making the increased payment thinking I was paying several months at a time. Next, they started adding late fees on my increased payment amounts. After several " investigations '' with no results, I paid off my remaining balance in full just to be through with the whole situation. I was told by a representative that had a system glitch that had caused payment errors in the system. Before I heard back from them regarding his escalation ticket, they sent my account off to collections for " late fees ''. I called and spoke to a supervisor named XXXX that offered to knock off one of the fees if I would pay the other one, even though I had already paid more than the original cost of the case. I agreed to do it, but I told her I needed a receipt for payment. She said she could not send a receipt and hung up the call. TD Bank, according to their site, no longer finance for XXXX. I believe that they are scamming XXXX customers for additional monies because it is hard to hold them accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
All these hard inquiries were done without my consent. When I asked for written proof I was not given any. Please delete these inquiries off my credit report. 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 2025-01-12 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: DE

Complaint narrative:
Subject : Request for Deletion of Inaccurate and Unverifiable Account Information Account XXXX To Whom It May Concern, I am writing to formally request the permanent deletion of the following account from my credit report due to inaccurate information, lack of verification, and non-compliance with consumer protection laws. 

Account Information Account Number : XXXX Creditor Name : XXXX XXXX XXXX XXXX : {$XXXX} Credit Bureau XXXX XXXX Equifax XXXX and Violations 1. Inaccurate and Unverifiable Information The account status is reported as closed, but there is no clarity on whether the account has been resolved. The balance owed remains at {$XXXX}, but no payment history or past due amount is reported.

FCRA Section 1681i ( a ) ( 1 ) requires accurate and complete reporting, but the account fails to meet this standard, rendering it unverifiable. 
2. Dispute Status and Lack of Documentation The account is reported as disputed, with a reinvestigation in progress. However, no verification has been provided, and the account remains open despite this dispute. According to FCRA Section 1681i ( a ) ( 5 ), if an account is disputed and can not be verified, it must be deleted.

3. No Payment History or Past Due Amount No payment history or past due amount is reported. This missing information violates FCRA Section 1681e ( b ), which mandates the accurate reporting of payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the XXXX section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$XXXX} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: MD

Complaint narrative:
Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I am disputing the collection account with TRUIST account number XXXX, dated XX/XX/year>, with a balance of {$XXXX}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that TRUIST, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

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 2025-01-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-01-12 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 listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-01-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, 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 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CNG FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX This is not a dispute but a formal request for validation of the above-referenced account. Under the Fair Credit Reporting Act ( FCRA ) and case law reinforcing creditors ' obligations, I request the following information for this account : Date of First Delinquency : Provide documentation supporting when the account first became delinquent. 
Date of XXXX : XXXX the date and evidence of the accounts charge-off status. 
Date of Last Payment : Include the exact date of the last payment made on the account and the amount paid. 
Furthermore, I am requesting : A cease of communication regarding this account, as permitted under 15 U.S.C. 1692c ( c ).

A cease in reporting of this account to any credit reporting agency until the requested validation is completed. 
Case Law References : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) : Establishes the responsibilities of creditors regarding the accuracy of their reporting. 
XXXX v. XXXX Bank, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ) : Highlights the necessity for creditors to provide clear and substantiated account details. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Reinforces the obligation of furnishers to ensure accuracy in the information provided to CRAs. 
Failure to provide validation in compliance with these requirements may result in legal actions, including but not limited to filing formal complaints with the CFPB and other regulatory bodies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: GA

Complaint narrative:
I'm writing to ask all credit bureaus to please remove all negative items from my credit report. Because my info was exposed in the XXXXee billion people data breach that accured. And under FCRA LAWS I want everything removed ASAP.

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 2025-01-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NJ

Complaint narrative:
Hello, there has been a credit report on my account placed by Genesis credit management. I would like to report fraud on my credit account due to the breach of personal information being leaked. This account was not my account and I have no knowledge of any debt from this company, which is affecting trying to get into a car rental property. The date that they have listed for this debt is XX/XX/2023, which makes this depth a little over a year If someone can, please help me get this get off my report it would be a great help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc.
State: SC

Complaint narrative:
Accounts are closed and should be removed from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: FL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation