vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-02 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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: FC HoldCo LLC
State: IL

Complaint narrative:
On XX/XX/year>, I was perusing auto refinance offers. While looking, I received several email and text notifications that my credit had been pulled. I never received notification that my credit would be pulled and I did not authorize a hard pull. I immediately called XXXX to report the fraud, and XXXX identified the company as Flagship Credit Acceptance, based in XXXX, Texas, but said there was nothing they could do to reverse or stop the pull. I have never heard of Flagship Credit Acceptance, and I did not authorize any credit check from them. Since XX/XX/XXXX, I have called multiple times to address this with Flagship, but they do not answer their phone. The company I was perusing on XX/XX/year>, XXXX, said they have no record of me filing an application or authorizing a hard pull of my credit.

I have since received a rejection letter from Flagship, but, again, I did not authorize Flagship to pull my credit or review an application for refinance.

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 2025-01-02 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: VA

Complaint narrative:
I recently noticed XXXX XXXX on my credit report. I have NEVER obtained ANY CREDIT from this company. I have reached out to this company and requested documentation with my signed wet signature but they have failed to send proof. The reason they could not provide proof is because I have never had credit with the company, they have listed themselves for a collection company but again I have not contract or credit with this company. When asked for validation they sent me documents saying my personal information is correct. This documentation does not prove any monetary obligation to this company. As I further research I also notice this company is collecting on behalf of XXXX XXXX. This account also has not been verified as accurate but instead documentation was sent to me stating my personal information is correct. This is not how accounts are verified or validated. THIS IS A VIOLATION OF MY FCRA RIGHTS. These 2 accounts are basically attempting to collect on the same unverified debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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: VA

Complaint narrative:
I recently noticed XXXX XXXX on my credit report. I have NEVER obtained ANY CREDIT from this company. I have reached out to this company and requested documentation with my signed wet signature but they have failed to send proof. The reason they could not provide proof is because I have never had credit with the company, they have listed themselves for a collection company but again I have not contract or credit with this company. When asked for validation they sent me documents saying my personal information is correct. This documentation does not prove any monetary obligation to this company. As I further research I also notice this company is collecting on behalf of XXXX XXXX. This account also has not been verified as accurate but instead documentation was sent to me stating my personal information is correct. This is not how accounts are verified or validated. THIS IS A VIOLATION OF MY FCRA RIGHTS. These 2 accounts are basically attempting to collect on the same unverified debt.

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 2025-01-02 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: VA

Complaint narrative:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately.

Thank you for your prompt attention to this matter.

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 2025-01-02 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: EQUIFAX, INC.
State: VA

Complaint narrative:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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: KY

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the reporting of an account by XXXX with account numberXXXX on my credit report. The account contains multiple inaccuracies, specifically reporting late payments that are false or unverifiable. These errors are negatively impacting my credit score and constitute a violation of my rights under the Fair Credit Reporting Act ( FCRA ). Account Details : Creditor Name : XXXX Account Number : XXXX This account reflects multiple late payments that are incorrect or unverifiable, which violates the legal standards for accuracy and reliability of credit reporting. I have not received valid proof or notification from the creditor regarding these alleged delinquencies. Legal Basis for My Request : 1. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 : Under the FCRA, all information included in a credit report must be accurate, verifiable, and complete. The reported late payments fail to meet these standards. 2. Section 611 of the FCRA - 15 U.S.C. 1681i : When a consumer disputes the accuracy of an account, credit reporting agencies must investigate and correct or delete the information within a maximum of 30 days if it can not be verified. 3. Section 623 of the FCRA - 15 U.S.C. 1681s-2 : Data furnishers, such as CB/VICSCRT, are legally obligated to ensure the accuracy of the information they report. If they can not provide verifiable evidence of these alleged late payments, the account must be corrected or removed immediately. 4. Dodd-Frank Consumer Protection Act : The CFPB has the authority to ensure that consumers are not harmed by inaccurate or unverifiable information on their credit reports. Specific Requests : 1. Conduct a thorough investigation into this account. 2. Request XXXX to provide verifiable evidence of the alleged late payments, including copies of account statements, payment records, and any correspondence. 3. If the late payments can not be verified with clear and compelling evidence, I request that this account be removed from all of my credit reports immediately. 4. Provide me with a written response detailing the results of the investigation and actions taken. I expect this matter to be resolved promptly within the timeframes established by law. Should I not receive an adequate resolution, I reserve the right to take additional action, including legal measures, to protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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: Upstart Holdings, Inc.
State: CA

Complaint narrative:
I am disputing the accuracy of this account as it appears on my credit report. The balance and charge-off status reported are incorrect, as the account was fully resolved previously. This erroneous information is negatively affecting my creditworthiness, and I am requesting an immediate investigation. Please update my credit report to remove this inaccurate entry and notify me once the correction has been made. It is critical that my credit report accurately reflects my financial history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This reflect complaint about XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, their debt collection agency handling account ending in XXXX. I am extremely concerned about how both companies have handled my account and their failure to comply with both federal and state laws. Below are the issues experienced : XXXX. Failure to Provide Debt Valuation On XX/XX/year>, I sent a letter to XXXX, XXXX XXXX XXXX requesting a full breakdown and valuation of the debt. As of XX/XX/XXXX, no response or the requested documentation have been received This violates the requirement for creditors to provide accurate account details when asked. 
XXXX. Multiple Disputes to Credit Bureaus Ive submitted several disputes to the credit bureaus, asking for a breakdown of the account balances. Despite this, neither XXXX nor XXXX has provided any clarification, nor have they taken action to correct the errors. Their failure to verify the debt is unacceptable. 
XXXX. Violation of Consumer Protection Laws The actions of XXXX, XXXX XXXX XXXX and XXXX have been unfair, deceptive, and abusive, violating both the Fair Debt Collection Practices Act ( FDCPA ) and Floridas Consumer Collection Practices Act ( FCCPA ). Theyve failed to verify the debt, misrepresented amounts due, and havent provided adequate information to support their claims.

4. Misleading Account Information The amounts listed on my credit report dont match the figures provided by XXXX XXXX which is damaging my credit score. Ive received no explanation for these discrepancies. 
XXXX. Violation of Privacy I have not agreed to any contract with a third-party collection agency, nor have I authorized XXXX, XXXX XXXX XXXX to act on my behalf. Their involvement in this matter is a clear violation of my privacy rights, and I did not consent to this third-party collection effort. This unauthorized handling of my account is an infringement on my personal and financial privacy.

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 2025-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
In 2023 i got behind with my capitol one card. I called and made a payment to get caught up. Then agreed to a monthly payment plan, {$85.00}. To get back in compliance. I was told i had been placed on the ( charged off list ) and i could never get another capitol one card. How can i be placed as a charge off, in a dispute and payment plan at the same time? i don't understand.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: TX

Complaint narrative:
I had an account on Cash App and when I logged in, it would not allow me access. I called for assistance and they stated they were unable to restore my account. In order to get the money out of the account, they would need to transfer it to another Cash App account. I gave them my other Cash App account to transfer to and they stated for security reasons the " system '' won't allow the transfer. I asked why and they were unable to tell me why. I asked to speak to someone higher up and was told they would " email me ''. I had {$480.00} in the account that I need transferred to me ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: OH

Complaint narrative:
Pursuant of FCRA Section B and Congressional Law 15 US C 1681 C-2.

Violations of 15 U.S. Code 16815-2. Inaccurate Reporting of information. I have reached out to Equifax regarding to unauthorized Inquiries on my credit report and fraudulent accounts opened on my credit report without my consent. In XX/XX/year> I reached out to Equifax to investigate the matter. After 30 days i received rests from the dispute but nothing was changed after saying the accounts was updated and verified, I compared my report from the prior months and noticed nothing had been updated, which is a violations of my consumer rights and a violation to the FCRA Laws. I made them aware that these accounts at question was fraudulently opened under my identity which put me as a consumer and my credit report at great jeopardy. Failing to investigate this matter was a violation and how they are not to be reporting such information especially if I have made them aware that I didn't apply for any lines of credit nor product, as a data Furnisher, there job is to make sure accuracy reflects on a consumer reports and I have showed them where they have violated with them not complying with my request to have these inquiries and accounts deleted is a violation of my consumer rights and that they are being no compliant with Federal, State and FCRAS guidelines. I have pointed out the Laws to this Data Furnishers and how they are in clear violations of the what they have been furnishing, Credit Reporting Agencies from what they have allowed these institutions to Knowingly Report the inaccurate information. This is a clear violation of 15 U.S. Code 16815-2 and my Consumer Rights, this has affected my ability to obtain Credit and have damaged my Reputation as a Consumer. I Demand these Inquires and accounts be Deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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: KY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  I've never applied for credit with these companies Ive tried to get these removed before but haven't had any luck.

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 2025-01-02 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: KY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  I've never applied for credit with these companies Ive tried to get these removed before but haven't had any luck.

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 2025-01-02 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: NC

Complaint narrative:
ALL consumer reporting agencies identified XXXX XXXX XXXX, Experian XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX are in violation of the " Privacy Act of 1974, per 5 U.S.C. 552a ( b ), '' for disclosing my nonpublic personal records to other persons without my prior written request or verbal consent, and in violation of the " Gramm-Leach-Bliley Act, per 15 U.S.C. 6821 ( a ) ( 1 ), ( a ) ( 2 ), and ( a ) ( 3 ) and 15 U.S.C. 6823 ( a ) and 15 U.S.C. 6823 ( b ), '' for violating my privacy by, knowingly causing to be disclosed to multiple persons my nonpublic customer information of financial institutions, NOT relating to those persons. Additionally, by violating the " Gramm-Leach-Bliley Act, '' All consumer reporting agencies identified are also in violation of " Aggravated identity theft '' per " 18 U.S.C. 1028A ( a ) ( 1 ), '' for knowingly transferring, possessing or using, without lawful authority, my nonpublic personal means of identification. Lastly, ALL consumer reporting agencies are in violation of " Tax Fraud '' for reporting ANY alleged collection/charge-off accounts. 
Furthermore, attached consumer reports prove above stated violations, errors, and inaccuracies across ALL 3 consumer reporting agencies. 
SEE AND REVIEW ALL ATTACHMENTS

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