vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-01 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: MI

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding inaccuracies and potential violations of the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws by [ name the creditors/collection agencies involved, e.g., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the credit reporting agencies ( Equifax, XXXXXXXX XXXX XXXX XXXX XXXX XXXX 

Upon reviewing my credit report dated [ Insert Date of Report ], I identified serious issues with the reporting of a collection account associated with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Below, I will outline the inaccuracies and legal violations that have impacted my creditworthiness and caused significant harm : 1. Violations of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Reporting Inaccurate or Misleading Information Issue : The same debt is reported by both the original creditor ( XXXX XXXX XXXX XXXX XXXX XXXXnd the collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This results in duplicate reporting of a single debt, misleading creditors and lenders. 
Impact : This duplication artificially lowers my credit score and misrepresents my financial obligations. 
2. Violations of 15 U.S.C. 1681e ( b ) Inaccurate and Inconsistent Reporting Issue : There are discrepancies between the information reported by Equifax, XXXX, and XXXX : Equifax lists the collection agency as XXXX, which is unclear and inconsistent with other XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, but Equifax omits this information. 
The account statuses are inconsistent. Equifax lists the status as " Unpaid, '' while XXXX and XXXX list it as " Collection Account. '' 3. Violations of 15 U.S.C. 1681s-2 ( a ) ( 2 ) Failure to Update or Correct Information Issue : The debt was assigned to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX continues to report the debt. This failure to update or correct the account after the transfer creates inaccurate and misleading information. 
Impact on Me as a Consumer These violations of the Fair Credit Reporting Act have : Harmed my credit score due to duplicate reporting. 
Caused confusion about the status and ownership of the debt. 
Made it difficult for me to apply for credit, leading to higher interest rates and financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: MI

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding inaccuracies and potential violations of the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws by [ name the creditors/collection agencies involved, e.g., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the credit reporting agencies ( XXXX, XXXX, and Experian ) '' ]. 

Upon reviewing my credit report dated [ Insert Date of Report ], I identified serious issues with the reporting of a collection account associated with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Below, I will outline the inaccuracies and legal violations that have impacted my creditworthiness and caused significant harm : 1. Violations of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Reporting Inaccurate or Misleading Information Issue : The same debt is reported by both the original creditor ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This results in duplicate reporting of a single debt, misleading creditors and lenders. 
Impact : This duplication artificially lowers my credit score and misrepresents my financial obligations. 
2. Violations of 15 U.S.C. 1681e ( b ) Inaccurate and Inconsistent Reporting Issue : There are discrepancies between the information reported by XXXX, XXXX, and Experian : XXXX lists the collection agency as XXXX, which is unclear and inconsistent with other XXXX  and Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX omits this information. 
The account statuses are inconsistent. XXXX lists the status as " Unpaid, '' while XXXX and Experian list it as " Collection Account. '' 3. Violations of 15 U.S.C. 1681s-2 ( a ) ( 2 ) Failure to Update or Correct Information Issue : The debt was assigned to XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX  continues to report the debt. This failure to update or correct the account after the transfer creates inaccurate and misleading information. 
Impact on Me as a Consumer These violations of the Fair Credit Reporting Act have : Harmed my credit score due to duplicate reporting. 
Caused confusion about the status and ownership of the debt. 
Made it difficult for me to apply for credit, leading to higher interest rates and financial harm.

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 2024-12-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stillman, P.C. d.b.a. Stillman Law Office
State: CT

Complaint narrative:
A decision was made against me regarding outstanding debt originated by XXXX and represented by attorney Stillman Law Office XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This debt was used to fund XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that has been dissolved. Stillman Law Office has numerous complaints by reviews on XXXX and filed against in the Consumer Complaint Database. I dont believe I should be required to make monthly payments on a debt that wasnt issued to me personally and a business that has been dissolved. 

This law office has a negative track record, they didnt show up for scheduled XXXX meeting and a judgement without trial was granted against me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: KY

Complaint narrative:
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 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.

I would like this item immediately re-investigated. 
XXXX XXXXXX/XX/year> In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 a 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 ) ( a ) A person shall 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 response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: KY

Complaint narrative:
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 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. 
I would like this item immediately re-investigated. 
XXXX XXXX  In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 a 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 ) ( a ) A person shall 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 response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: NY

Complaint narrative:
These account was charged off on the following date : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: SC

Complaint narrative:
I contacted the credit bureau to remove these 4 inaccurate accounts on my credit report. They have not responded back to my request. I would like for these inaccurate accounts to be removed from my credit report immediately. They are violating my rights and hurting my ability to obtain credit. I asked for these accounts to be blocked and deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: WI

Complaint narrative:
I got a check in my mail box and then I get call from the person who send me check and the person tell me to deposit the check I send when you see available money in your bank account send it to the vendor so you can get the work stuff so I did whatever she person tells me then I get call from the DCU Bank and said that your account balance is negative then they close my bank account and they did credit report for me so I went to the police station so they gave me information to report here

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 2024-12-01 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: MI

Complaint narrative:
What happened ( statement of pertinent facts ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

This fraudulent, inaccurate, and false information consists of the following accounts : 1. A credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question, as well as a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. 

I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. These items were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 

I have also attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 

Let me know if any further adjustments are needed.

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 2024-11-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TD BANK US HOLDING COMPANY
State: WA

Complaint narrative:
I had a loan through TD Auto. I made payments every two weeks for half the amount of my monthly payment. I traded my vehicle in, and when the loan was paid off the amount was more than the balance on my account. TD put the extra amount for the payoff to fees instead of refunding me the extra amount paid that is my money. 

XX/XX/year> a payoff check was posted for {$28000.00}. 

Principal {$28000.00} Interest {$14.00} Fees {$440.00} I did send a message through the portal today to them as well, but I think they should not have to be contacted to return money that is not theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
On XX/XX/year>, I received a notification that LVNV Funding LLC posted a collection account to my credit file for the amount of XXXX XXXX XXXX I sent a certified letter through the mail requesting to receive validation from Resurgent Capital Services L.P./LVNV Funding LLC of this debt and that documentation was never received by these companies. Under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to validate a debt before attempting to collect it and this process has never occurred in any capacity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
There was a charge for {$3100.00} that I did not authorize. I opened a fraud claim and was sent an email that Amex will not investigate it. I asked for it to be reopened and Amex said their decision stands. I know that Amex can investigate it for fraud when I did not do the transaction and evidence will show this as I did not do it so it is impossible that they can not investigate the fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-01 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: FL

Complaint narrative:
I am writing to formally dispute inaccurate and unauthorized information appearing on my TransUnion credit report. These accounts were added due to a data breach and are not authorized or representative of my financial history. I request immediate investigation and removal of the following accounts from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to the Fair Credit Reporting Act ( FCRA ), I assert the following rights and request specific actions to address this issue : Under 15 U.S.C. 1681i ( FCRA 611 ) : I request that the disputed information be investigated and verified as accurate. If the disputed accounts can not be verified, they must be deleted from my credit report.

Under 15 U.S.C. 1681e ( b ) ( FCRA 607 ) : TransUnion is obligated to ensure maximum possible accuracy in reporting my credit information. These accounts are inaccurate and result from identity theft or misreporting tied to the referenced data breach.

Under 15 U.S.C. 1681c-2 ( FCRA 605A ( b ) ) : I request that these fraudulent items be removed as they stem from a breach of my personal data.

Under 15 U.S.C. 1681g ( FCRA 609 ) : I request access to all documentation, records, and communications related to the inclusion of these accounts on my credit report.

Given the widespread data breaches that have affected financial institutions and compromised consumers ' sensitive information, I believe these accounts may have been fraudulently opened or erroneously reported. I demand that these accounts be thoroughly investigated in compliance with FCRA requirements and deleted from my credit report if found unverifiable or inaccurate.

Additionally, under the Federal Trade Commission Act ( 15 U.S.C. 45 ), it is illegal for businesses to engage in unfair or deceptive practices. Reporting inaccurate or fraudulent accounts on my credit report due to negligence in protecting consumer data constitutes a violation of this statute. 
I have attached all relevant documents to support this dispute, including copies of my TransUnion credit report highlighting the disputed accounts.

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 2024-12-01 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: FL

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting TransunionXXXX XXXX XXXX XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2024-12-01 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: FL

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: GA

Complaint narrative:
In accordance with the Fair Credit Report Act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 Section 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 166b A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Report Act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 Section 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 166b A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

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