vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-17 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: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I sent the company a Cease and Desist letter I haven't received anything in the mail. All I have gotten is a disregard for my rights. I ask the company to stop collection activity until this matter can be properly resolved reviewed and investigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Account Number : XXXX Creditor : XXXX XXXX XXXX To Whom It May Concern, I am filing a formal complaint regarding an auto loan account closed account ( Account # XXXX ) that TransUnion is reporting inaccurately. The following issues violate the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to ensure the maximum possible accuracy of all consumer information : High Balance Discrepancy : TransUnion is reporting a high balance of {$15000.00}, which does not match/conflicting with other agencies report Violation : 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy. 
Date of Last Activity : TransUnion reports XX/XX/year>, which are conflicting dates respectively ).

Violation : 15 U.S.C. 1681c ( a ) Reporting inaccurate dates can impact delinquency timelines. 
Closed Date Discrepancy : TransUnion reports the closed date as XX/XX/year> Creditor Type Inconsistency : TransUnion lists the creditor type as Savings and Loan Companies, and does not match the accuracy of the other reports.

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 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-12-17 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:
It is unacceptable to have this late payment on my account, given my history of making payments on time. Please remove it and update my account accordingly.

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 2024-12-17 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: AL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-12-17 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: AZ

Complaint narrative:
I am writing to file a formal complaint against TD Bank USA/Target Credit regarding their failure to report the Date of First Delinquency on a charged-off account. This omission creates significant inaccuracies in my credit report and prevents the correct calculation of the seven-year reporting timeline under the Fair Credit Reporting Act ( FCRA ). 

Had the Date of First Delinquency been reported correctly, it would allow the charge-off and associated account to be eligible for early exclusion from my credit report. Without this critical information, the account remains inaccurately reported, which has unfairly impacted my ability to obtain financing for a new home. 

Since the initial delinquency, I have worked diligently to improve my credit and have demonstrated financial responsibility. However, this account continues to be an obstacle in achieving my homeownership goals. I request that TD Bank USA/Target Credit promptly correct this error and ensure the accurate reporting of the Date of First Delinquency so that the timeline for this account can be properly assessed. 

I appreciate the Consumer Financial Protection Bureau 's attention to this matter and kindly ask for an investigation to ensure compliance with all applicable credit reporting regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: CA

Complaint narrative:
FTC report attached fraudulent inquiry from transunion I am a victim of identity theft. Fraudulent Inquiries are on my credit report on transunion and must be removed - light stream XXXX. my identity has been used without my knowledge due to my identiy being stolen, please block and remove the following inquiries. it is a result of identity theft. 
Thes fraudlent transunion inquiries are listed below are fraudulent and must be deleted and blocked.

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 2024-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: KEYCORP
State: NY

Complaint narrative:
For years - KeyBank advertised to me about a lot about a lot of things. In this conversation - Focusing on KeyBank Smart Checking Account - KeyBank promised me a FUNCTIONAL Checking Account with a FUNCTIONAL Debit Card! 

KeyBank also promised a XXXX $ Bonus! 


I did hundreds of things for KeyBank- I entered Account Numbers & Routing Numbers & Telephone Numbers & Social Security Numbers & so many things like that! 

I was very careful I got every digit right! 


Still - my so-called " Account '' is still not functional!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
Complaint is against TD Bank Credit Card Division ( phone XXXX ) Context : - I bought a Proform Treadmill using TD Card Financing in XX/XX/year>. 
- TD Card account number XXXX- I made the initial payment of around {$180.00}. I set up auto-pay for the other installments. 
- The auto-pay apparently never worked. I did not receive notification from TD Bank for the same - I received a physical letter from TD Bank on XX/XX/year> stating my account is overdue - Since then ( TD Bank has all the records of the conversations as confirmed by them ), I have been calling TD Bank to make the payment with no avail. 
- In XXXX, I was told my account has been given to Collections. 
- I was told account is with collection agency called XXXX ( phone - XXXX ). I have been repeatedly calling XXXX. For nearly a month I was told they don't have my account- In XXXX, XXXX told my account is with another collection agency called XXXX XXXX. When I called XXXX XXXX ( XXXX ) XXXX ), they confirmed they do NOT have my account - To convince TD Bank that my account is not with collections, I had a conference call with the representative of XXXX XXXXy and TD Bank ( XX/XX/XXXX ). This call is recorded by TD Bank - Finally, TD Bank agreed to their missteps and said they will rehaul the account, that is claim is back from collections and bring it back to TD Bank. today is XX/XX/XXXX, I want to make the payment, have called multiple times and I still do not have a way to make the payment. 
- Additionally, they gave me the website links to experion and asked me to write to these agencies directly to fight the impact it had on my credit score Impact - TD Bank reported to credit bureau and my credit rating has been severely affected. My credit score was never below XXXX before this. 
- TD Bank increased the amount I owe them to over {$4000.00}. The cost of the brand new equipment is {$1800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following accounts are not accurate : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax, XXXX XXXX XXXX Equifax, XXXX XXXX XXXX Equifax, XXXX XXXX XXXX Equifax, 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 Equifax , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax, 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 Equifax 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following accounts are not accurate : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  ExperianXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ExperianXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian, 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 Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian, XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-12-17 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: IL

Complaint narrative:
I am writing to inform you that I am a victim of a data breach that has compromised my personal information. As such, I request that all inquiries listed below be blocked and deleted from my credit report, pursuant to XXXX5 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
The affected inquiries are as follows : 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 non-monetary relief
Consumer complaint received 2024-12-17 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: CO

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of the following accounts from my credit file. These accounts are the result of identity theft caused by a data breach. 
Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I assert my right to have these fraudulent items removed. 
Fraudulent Accounts : XXXX - XXXX - XX/XX/XXXX - {$10000.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$500.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$280.00} XXXX - XXXX - XX/XX/XXXX - {$26000.00} XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - {$1300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: VA

Complaint narrative:
On XX/XX/XXXX I received a bill by email for normal wear and tear of a rental property ( carpet, tub re-glaze, and toilet paper holder ). I emailed back and forth with the billing office several times and they refused to remove the charges. They then sent the bill to Genesis collections agency. I was contacted by email by Genesis collection agency on XX/XX/XXXX. I sent certified mailed them a debt validation letter on XX/XX/XXXX, in which I asked for the following : The Notice of Assignment The Deed of Assignment The original executed agreement A full statement of account Documentation showing that you are licensed to collect debts in Virginia Documentation that you have verified that I am responsible for this debt or a copy of any default notice/judgment Any signed agreements where I have stated that I am responsible for this debt. 
On XX/XX/XXXX XXXX mailed the bill stating that the charges were for carpet, tub re-glaze and a toilet paper holder with only 2 pages of a lease that expired on XX/XX/XXXX. The 2 pages did not state that a tenant is responsible for normal wear and tear of a rental unit. To which I replied by certified mail on XX/XX/XXXX that the charges are for normal wear and tear of a rental property bound by laws of the state of Virginia. I received an email on XX/XX/XXXX with the billing amount that they are saying is owed. These charges are an attempt at extortion and are illegal in the state of Virginia.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I am writing this letter in response to the phone call/letter received from you on ( Date ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you.

Please provide me with the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed or disputed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 


Thanking you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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:
This morning, I discovered unauthorized inquiries on my credit report, and I have no idea why they appeared. I checked my report as I normally do, but to my surprise, there were discrepancies that seemed to come out of nowhere. I even refreshed the page, hoping it was a glitch, but the inquiries remained. Im extremely frustrated and need this issue resolved immediately. Please review the documents Ive sent thoroughly so I can stop worrying about this happening again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: NY

Complaint narrative:
Inaccurate accounts are suddenly showing up on my credit report, and I am completely baffled. Ive been diligent about monitoring my report, and this has never happened before. I tried refreshing my browser, thinking it might be a technical glitch, but the errors remained. Im desperate for a resolutionplease check the documents I submitted carefully so I can finally feel some relief.

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