vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-18 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: FL

Complaint narrative:
I am submitting this complaint against Equifax regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : 1 Name : My current legal name is : XXXX XXXX, but it is listed incorrectly on my credit report. I request that my name be updated to reflect the correct information. 

2 Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida, XXXX, but my credit report shows an outdated address. I request that my current address be updated accordingly. 

3 Contact Information : My main contact number is XXXX :. I would like this number to be updated. 
4 5 Date of Birth : XX/XX/year> ( XX/XX/year> ) 6 Employer : XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, FL XXXX. 


Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license A copy of my Social Security A recent utility bill

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 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: FL

Complaint narrative:
I am submitting this complaint against Equifax regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : 1 Name : My current legal name is : XXXX XXXX, but it is listed incorrectly on my credit report. I request that my name be updated to reflect the correct information. 

2 Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida, XXXX, but my credit report shows an outdated address. I request that my current address be updated accordingly. 

3 Contact Information : My main contact number is XXXX :. I would like this number to be updated. 
4 5 Date of Birth : XX/XX/year> ( XX/XX/year> ) 6 Employer : XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. 


Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license A copy of my Social Security A recent utility bill

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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: PA

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.

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 2024-11-18 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: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORtT NUMBER:XXXX  ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent INOUIRIES from my credit report. XXXX XXXX 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2024-11-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
15 US code 1666B timing of payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637B of this title is mailed or delivered to the consumer not later than 21 days before payment due date XXXX, TRANSUNION, and XXXX are reporting this account as late for XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> and XX/XX/year> I made a request for the XXXX XXXX  to provide documentary evidence that the periodic statements were mailed or delivered not later than 21 days before payment due due date XXXX XXXX  failed to provide documentary evidence. XXXX Failed to respond at all. 

I made a request to XXXX to provide documentary evidence or have this item changed or removed from my report. That request was denied, nor did XXXX provide documentary evidence. XXXX denied my request. And has failed to remove the inaccurate information I made the same request to TransUnion to provide documentary evidence that the periodic statements were sent not later than 21 days before payment due date. TransUnion failed to provide documentary evidence. And denied my request. I dispute this adverse action on my report as it is an open end consumer credit plan and should not be reported as late for any purpose. 

I request {$1000.00} per infraction and immediate deletion of this account or this account reported as paid as agreed.

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 2024-11-18 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: CA

Complaint narrative:
15 US code 1666B timing of payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637B of this title is mailed or delivered to the consumer not later than 21 days before payment due date XXXX, XXXX, and EXPERIAN are reporting this account as late for XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> and XX/XX/year> I made a request for the XXXX XXXX  to provide documentary evidence that the periodic statements were mailed or delivered not later than 21 days before payment due due date XXXX XXXX  failed to provide documentary evidence. XXXX Failed to respond at all. 

I made a request to Experian to provide documentary evidence or have this item changed or removed from my report. That request was denied, nor did Experian provide documentary evidence. Experian denied my request. And has failed to remove the inaccurate information I made the same request to XXXX to provide documentary evidence that the periodic statements were sent not later than 21 days before payment due date. XXXX failed to provide documentary evidence. And denied my request. I dispute this adverse action on my report as it is an open end consumer credit plan and should not be reported as late for any purpose. 

I request {$1000.00} per infraction and immediate deletion of this account or this account reported as paid as agreed.

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 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Barclay 's Bank still is not providing the correct solution to my request to remove the inaccurate information reported about my account. they have not adequately addressed the serious violations of the Fair Credit Reporting Act ( FCRA ) as Inaccuracy of reported information and proof of compliance with 15 USC 1666b and other regulations mentioned in my original letter.

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 2024-11-18 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I opened a XXXX with XXXX by Goldman Sachs on XX/XX/year>. XXXX unilaterally closed the account. XXXX failed to return my money until XX/XX/year>. XXXX has failed to pay all interest owed to me while it possessed my money. XXXX owes me 5.15 % interest ( the agreed upon CD rate ) for the months of XXXX, XXXX, XXXX and 14 days of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: LA

Complaint narrative:
Requested validation information as my right under FCRA law. Was not provided with any such information which as states in the law is against my legal rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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: FL

Complaint narrative:
Subject : Dispute of Unauthorized Credit Inquiries What Happened? 
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Inquiry Details 1. XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft.

" I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements. 
Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 
Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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: FL

Complaint narrative:
Subject : Dispute of Unauthorized Credit Inquiries What Happened? 
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Inquiry Details XXXX. XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft.

" I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements. 
Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 
Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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: NY

Complaint narrative:
I discovered unauthorized inquiries on my credit report this morning, and I dont know how they got there. I checked as I usually do, but today I found discrepancies that werent there before. I tried refreshing my browser, hoping it was just a glitch, but nothing changed. I need the documents I sent to be reviewed immediately so I can stop worrying about this.

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 2024-11-18 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: NJ

Complaint narrative:
I recently looked at my credit report and seen an account that was not reporting accurately. The delinquencies payment shown on my credit report in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX was a result of my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which was signed into law on XX/XX/XXXX and ended XX/XX/XXXX amended the Fair Reporting Act ( FCRA ) crisis under these circumstances. Please update this information to PAID AS AGREED for the following time period : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Account Number XXXX Account Name : 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 non-monetary relief
Consumer complaint received 2024-11-18 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: IL

Complaint narrative:
I am writing to formally request the blocking and deletion of the inquiries listed below due to my status as a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I ask that these inquiries be immediately removed from my credit report to protect my personal and financial information. 
Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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: MO

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of the following unauthorized account and credit inquiries from my credit report. I have been a victim of a data breach, resulting in fraudulent activity associated with my personal information. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and 605 ( b ), I am entitled to have these fraudulent items removed.

Fraudulent Account to Block and Delete : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX way XXXX, MA XXXX LVnV Funding LLC XXXXXXXX XXXX XXXX XXXXXXXX, SC XXXX To whom it XXXX concern, I have recently pulled my credit report and notice their is a collection listing from your agency i have never been notified of this collection action or that I owed the debt. This letter is to inform you that I have the right to request a validation of this debt and you ability to collect this money from me. I ask that you prove that I am indeed the party who is a contractually bound to pay off this debit or stop collection activity, and remove all together. 

Please attach the copies of the following documents : Agreement that you have the authority to collect on this alleged debt. 
agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
complete payment history on this account, to prove that amount you wish to collect is correct. 
I hope your legal staff that noncompliance with this request will result in legal trouble for your company sincerely, XXXX XXXX

Company response to consumer: Closed with explanation