vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-27 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: FL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
According to the IRS a charge off is considered income. XXXX should not be reported on a credit report. For any charge off that is above {$600.00} a creditor should mail out a XXXX. This is a violation of the truth and lending act in FDCPA. This account was charged off in XX/XX/year>. According to 15 USC 1681 2 AI no transactions or experiences can be reported on my credit. XXXX should not be reporting to the credit bureaus. All 3 credit Bureaus need to remove the charged off account. The IRS is expecting me to file the XXXX on my tax return as income. This is a violation in reporting!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 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: GA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any 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 2024-10-27 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: MI

Complaint narrative:
I was notified by XXXXXXXX XXXX XXXX  that they received correspondence from Experian that they have notified my creditors that my utilization ratio has excelerated and as a result every singe creditor reduced my credit limits which harmed me by taking my utilization ratio from 40 % to 82 % causing harm to my score. 2 creditors closed my unused lines of credit. Experian 's job is to report my payment history on my accounts they had no right to send this correspondence out to creditors. My payment history is exceptional 54 accounts 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 2024-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I received a notice that I was being sued for a debt that doesn't belong to me. In XXXX I was informed by Florida XXXX XXXX XXXX XXXX XXXX XXXX that my identity had been compromised. I went into the office to get more information and was told someone came into the office changed my address and took a picture and had the ID routed to an address in Corral Gables, FL. At that time FHSMV didn't give an ID with a XXXX endorsement immediately because they must perform a background check. I asked when this happened and they gave a date. I asked what documents they presented but they didn't have that information. This incident explained why since about XXXX when an avalanche of credit accounts and payday loans and scam calls and repeated incursions into my computer networks were occurring. These incidents persist to this day. When I was informed in XXXX I asked XXXX what they had done or planned to do. They told me nothing and it was my responsibility. I was advised to buy credit monitoring services and file a police report at the XXXX XXXX police department. At the time I was working in the XXXX XXXX XXXX XXXX XXXX and I didn't have a working vehicle so i didn't file the report. I called the XXXX XXXX police department and asked could I file the report online. They told me I had to do it in person. They also asked when did i think it happened and who I suspect did it? I gave them that information from the XXXX and told they the ID theft was probably the result of a data breach. The police told me that filing the report was probably a waste of time because data breaches were the FBI and Secret Services jurisdiction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-27 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: IL

Complaint narrative:
My account with XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX XXXX XXXX DAYS to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer 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 explanation
Consumer complaint received 2024-10-27 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: FL

Complaint narrative:
i recently reviewed my credit report and noticed that was not reporting accurately, i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i have attached a copy of my report to this complaint on the following dates ( XXXX and XX/XX/year> ). i am now requesting you investigate and provide verifiable proof with records showing that i had late payments. If this information can not be verified i demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.

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 2024-10-27 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: NC

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-27 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: TX

Complaint narrative:
Hello, I am contacting you today because all three companies TransUnion, XXXX and XXXX have violated my rights over a time period and broken the law 15 u.s.c. 1681 a ( 2 ) ( a ) ( ii ) states that experiences and transactions late payments charge offs credit, utilization, inquiries, and other judgments and etc. should not be reported due to the fact that these companies have broken the law, I would like to have automatic deletions and removed from my credit report from all three companies. As a reminder willful noncompliance is also against the law says 15 u.s.c 1681 ( N )

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 2024-10-27 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: TX

Complaint narrative:
Hello, I am contacting you today because all three companies XXXX, Equifax and XXXX have violated my rights over a time period and broken the law 15 u.s.c. 1681 a ( 2 ) ( a ) ( ii ) states that experiences and transactions late payments charge offs credit, utilization, inquiries, and other judgments and etc. should not be reported due to the fact that these companies have broken the law, I would like to have automatic deletions and removed from my credit report from all three companies. As a reminder willful noncompliance is also against the law says 15 u.s.c 1681 ( N )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 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: AZ

Complaint narrative:
I need your help with this false account appearing on my credit report. It has damaged my reputation as a customer, and I am seeking your assistance. These accounts need to be taken off as they are reported inaccurately and reflect poorly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Zip Co US Inc.
State: TX

Complaint narrative:
I have agreement with ZIP Co and they are in breach. I have been using ZIP Co for many months for business transactions buy now and pay later in installments. I am now being blocked from continuing further transactions without an explanation. I have repeatedly tried to resolve this issue with customer service reps. ZIP Co has collected my personal info including bank info as part of agreement. They are restricting me without cause or valid claim. I have purchasing power that I'm unable to use and I'm given the reason is my credit report is frozen. THIS IS NOT TRUE AND HAS NOT BEEN TRUE SINCE USING ZIP. I have brought this to they're attention and they are refusing to fix the problem. They have refused to contact me after numerous requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I was asked to file a a police report with my account financial advisor showing a dispute with a XXXX affidavit with a report on my telecheck but we had a fraudulent review error from my trans union identity restoration officer. I have to guide my report with a transcript from my compromised account from XXXX data breach considering it was a compromised account from cloud servers with my identity theft affidavit police report. XXXX XXXX was a hacker from the account. I was asked to file a policy claim with my consumer attorney XXXX XXXX showing identity theft fraud alert. My claim will have to contact the credit bureau for claim number with the insurance claim policy. I also want to file a report regarding my account not showing a dispute from my email on my pawned website from my XXXX XXXX account and XXXX XXXX business account recovery account phone passwords were compromised from a spy not showings on the credit report.

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 2024-10-27 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: TN

Complaint narrative:
This company is reporting a late payment on my account and the other two bureaus are not reporting. This is a violation of 1681b ( e ) ( 6 ). All CRA 's must maintain a joint notification system. I was never late on the account. This is a billing error.15 USC Code 1666b.

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 2024-10-28 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: IL

Complaint narrative:
Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and it you are unable to provide me a copy of verifiable proof, you must remove the account listed below. I demand that the following account be verified or removed immediately : 109 1. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Delete these items immediately XXXX XXXX {$2500.00}

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 2024-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have been providing proof to Equifax that I have no Bankruptcy, XXXX XXXX has given me proof to show to Equifax that a Bankruptcy doesn't exist. XXXX XXXX checked PACER and found no Bankruptcies, PACER is a service that provides public access to federal court records and furthermore I was given a letter from the UNITED STATES BANKRUPTCY OFFICE at XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX that they DO NOT PROVIDE INFORMATION TO ANY AND ALL CREDIT REPORTING AGENCIES! If it doesn't show on PACER it doesn't exist! I have provided all documents below.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: ME

Complaint narrative:
Hello. I am an employee at a company that offers a XXXX XXXX  student loan benefit through XXXX. I have attached evidence of these payments being sent by XXXX on XX/XX/year>, XX/XX/year>, and XX/XX/year>, as well as older payments. These payments have not appeared on my Mohela account ( my federal loan servicer ). I have called and spoken to representatives of both Mohela and XXXX XXXX XXXX reconfirmed that payments are in fact being sent. I " reverified '' my loan with XXXX to ensure that the correct loan was on file. When I spoke with Mohela, I was bounced between many representatives, and was ultimately not given any answer, but it was confirmed that payments were being " seen '' in the {$100.00} amount despite not being applied on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 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: Collection Management Holdings, LLC
State: AR

Complaint narrative:
XXXX XXXX XXXX opened XX/XX/XXXX XXXX {$1000.00} XXXX Account charged off. {$1000.00} written off. {$1000.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$15000.00} written off. 

XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$28000.00} Status XXXX XXXX XXXX opened XX/XX/XXXX Balance {$4700.00} Status Account charged off. {$4700.00} written off. {$4700.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
COLLECTION MANAGEMENT CO Date opened XX/XX/XXXX Balance {$1400.00} Status Collection account. {$1400.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$9900.00} Status Collection account. {$9900.00} past due as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 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: NCB Management Services Inc.
State: AR

Complaint narrative:
XXXX XXXX XXXX opened XX/XX/XXXX XXXX {$1000.00} XXXX Account charged off. {$1000.00} written off. {$1000.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$15000.00} written off. 

XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$28000.00} Status XXXX XXXX XXXX opened XX/XX/XXXX Balance {$4700.00} Status Account charged off. {$4700.00} written off. {$4700.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$1400.00} Status Collection account. {$1400.00} past due as of XX/XX/XXXX. 

NCB MANAGEMENT SERVICES Date opened XX/XX/XXXX Balance {$9900.00} Status Collection account. {$9900.00} past due as of XX/XX/XXXX.

Company response to consumer: Closed with explanation