vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX and Equifax 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 : LIST OF ITEMS TO BE REMOVED XXXX XXXX BALANCED {$0.00} XXXX  - XX/XX/XXXXXXXX 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you 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 attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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: Cascade CISS Holdings, LLC
State: MA

Complaint narrative:
In accordance with the fair credit reporting act, the list of accounts below has violated my federally reporting consumer rights to privacy and confidentiality under 15usc 1681, I understand that consumer reports may only be accessed for permissible purposes, such as evaluating creditworthiness for a legitimate credit transaction initiated by the consumer. 

XACTUS XXXX XXXX XXXX XXXX XXXX XXXX CT XXXXXXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX Date of inquiry XX/XX/XXXX XACTUS LLC XXXX XXXX XXXX XXXX, MD XXXX Date of inquiry XX/XX/XXXX XACTUS LLC XXXX XXXX XXXX XXXX, MD XXXX XXXX of inquiry. XXXX/XXXX/XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX Date of inquiry XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX Date of inquiry XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX Date of inquiry XX/XX/XXXX As the consumer, I am the lawful owner of my credit information, which means any entity seeking to access or use it must do so with explicit authorization and solely for permissible purposes. 15 u.s.c 1681 section 602 15 u.s.c 1681 section 604 Reporting agency can not furnish an account without my written authorization consent. Also any negative items report on XXXX credit bureau must be '' Deleted '' and removed from my credit report. Sincerely; thanks I appreciate. 

The resulting inquiry have caused significant harm to my family and me, and I believe my rights under these federal laws have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: PA

Complaint narrative:
ABILITY RECOVERY SERVICE XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Debt Validation Request and Credit Report Dispute under XXXX XXXX Compliance and Federal Law Account Number : XXXX To Whom It May Concern, I am writing to formally dispute the account referenced above, which is being reported on my credit file by your agency. This account is in violation of XXXX XXXX compliance standards and federal credit reporting laws under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 ). 

Despite my previous disputes, you have continued reporting this collection account to credit bureaus without sufficient validation of the debt, thereby violating the accuracy and compliance requirements of XXXX XXXX standards. Under these laws, I am exercising my right to request the following : 1. Validation of the debt in full compliance with the FDCPA : A copy of the original agreement with my wet-ink signature proving I agreed to this debt. 
A detailed accounting of the original balance and how it reached the amount of {$520.00}. 
Documentation proving that your agency has the legal right to collect this debt. 
2. XXXX XXXX Compliance Documentation : Confirm that this account is being reported correctly and in full compliance with XXXX XXXX reporting guidelines, including accurate status codes and permissible dates. 
3. Immediate Action to Cease Reporting Until Verified : As this account remains disputed and unverified, you must cease reporting to credit bureaus immediately under 15 U.S.C. 1681s-2 ( a ).

Failure to comply with these requests within 30 days will result in legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). I may also seek damages for harm caused by false reporting under 15 U.S.C. 1681n and 1681o. 

If you are unable to provide the requested documentation, this account must be deleted from all credit reports. Continued failure to comply will leave me no choice but to pursue legal remedies, including a lawsuit for violations of the FCRA and FDCPA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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: TX

Complaint narrative:
I am writing to dispute unauthorized hard inquiries that appear on my credit report. I did not initiate or authorize these inquiries, nor are there any corresponding accounts opened in connection with these inquiries. Therefore, I am formally requesting that these inquiries be removed from my credit report to ensure accuracy and compliance with the Fair Credit Reporting Act ( FCRA ).

**fair Credit Reporting Act ( FCRA ) Compliance** - Under Section 604 of the FCRA ( 15 U.S.C. 1681b ), hard inquiries can only be added to a consumer 's credit report with the consumers permissible purpose and explicit consent. Since I did not authorize these hard inquiries and have no associated accounts with these creditors, these inquiries are a violation of my rights under the FCRA.

\2. **FCRA Accuracy Requirements** - Section 611 of the FCRA ( 15 U.S.C. 1681i ) requires consumer reporting agencies to ensure the accuracy and completeness of the information they report. Reporting inquiries without proper authorization or permissible purpose is not compliant with this standard, as they create an inaccurate representation of my credit activity.

3. **Impact of Unauthorized Inquiries on My Credit** - Hard inquiries on a credit report can affect a consumers credit score negatively and may lead to misrepresentation of the consumers credit profile. Since these inquiries were made without my consent, they should not be allowed to impact my credit standing.

Request for Action In light of the above, I respectfully request that TransUnion : 1. Investigate each of these hard inquiries to confirm that they were added without my authorization and without a permissible purpose.

2. Remove these unauthorized inquiries from my credit report, as they do not comply with the FCRAs requirements for accuracy and permissible purpose.

3. Provide me with a free updated copy of my credit report showing the removal of these inquiries. 
Thank you for your prompt attention to this matter. I trust that TransUnion will take the necessary steps to maintain the accuracy and integrity of my credit report as required by federal law.

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 2024-11-29 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: NV

Complaint narrative:
Bureau failed to remove or correct this inaccurate information after my multiple attempts to dispute it, you are in violation of **15 U.S.C. 1681i** for failing to conduct a reasonable investigation into my dispute. According to **15 U.S.C . 1681e ( b ) **, they are required to ensure maximum possible accuracy in my credit report, and right now, youre falling short.

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 2024-11-29 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: NV

Complaint narrative:
Bureau failed to remove or correct this inaccurate information after my multiple attempts to dispute it, you are in violation of **15 U.S.C. 1681i** for failing to conduct a reasonable investigation into my dispute. According to **15 U.S.C . 1681e ( b ) **, they are required to ensure maximum possible accuracy in my credit report, and right now, youre falling short.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was the victim of a fraud situation. I paid for services that I never received, so I went back to the bank that I made the deposit at, they said to go to my own bank cause thats where the transaction began. The account I deposited money into was at a Chase bank. The account I used to deposit the funds was from a XXXX account. Chase told me it was out of their hands, even tho the account belonged to them. XXXX said theyd do an investigation and provided a provisional credit of the amount that was lost to the scammers, {$1200.00} back into our account. When XXXX decision came back, they said Chase bank claimed we had loaned that money to someone, and there fore they were not responsible for the transaction. So XXXX withdrew the provisional credit and it overdrew our account {$1200.00}. I think Chase should be held accountable and if not Chase then XXXX with their fraud protection should help us in this case, but neither one is assisting in this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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:
IN ACCORDANGE WITH THE FAIR CREDIT REPORTING ACT.-THE UST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681. 
XXXX, Account Name : XXXX XXXX XXXX Account Number 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 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. 16815-2 ( A ) ( 1 ) 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. By law the three credit agencies report this account without my written authorization and are violating my consumer rights and they have to have 100 % correct information in the three credit agencies High balance : It is the same in two credit agencies and in the other has other information that is illegal and violates My rights as a consumer. I demand account deletion Account Name : XXXX XXXX XXXX Account Number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Worth Finance Corporation
State: NY

Complaint narrative:
WORTH FINANC Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX I am writing to dispute several inaccuracies and incomplete information that I have discovered upon reviewing my credit report. 
It has come to my attention that there are discrepancies within my consumer file pertaining to the following accounts : Listed above These discrepancies have raised significant concerns regarding the vital role of credit reporting agencies in ensuring that the information furnished is fair, accurate, and complete. As per my rights under the Fair Credit Reporting Act ( 15 USC 1681 ), I am formally requesting a thorough investigation of the aforementioned accounts. 
Furthermore, I am requesting VERIFICATION and VALIDATION of each account listed above. It is imperative that you provide me with the name and title of the person who certified that these accounts have been VALIDATED and VERIFIED. 
If, upon thorough investigation, you are unable to VERIFY or VALIDATE the aforementioned accounts, I kindly request that you promptly delete them from my credit report. 
I expect a timely response to this matter in accordance with the provisions outlined in the Fair Credit Reporting Act. Please acknowledge receipt of this dispute within 30 days and provide updates on the progress of the investigation. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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: FL

Complaint narrative:
My credit scores were significantly decreased recently without any proven unpaid or late balance. XXXX XXXX XXXXXXXX secure card paid and never late, the account was illegally closed, missing information on historical records. Im taking this complaint to a higher authority if scores not increased and fixed, needs to be investigated on all three bureaus agencies. Im trying really hard to fix my credit scores and report because Im applying for a home loan. PLEASE HELP ME

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express ( AMEX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Dear Sir/Madam, I hope this letter finds you well. I am writing regarding my account with AMEX ( Account Number ending in [ XXXX ] ). While I am not disputing the late payments reflected in my account history, I am requesting specific details about the number of days I was late for my own internal records. 

Could you please provide the exact number of days I was late for each of the following months in XXXX  : XXXX XXXX XXXX XXXX XXXX Additionally, I would appreciate it if you could provide a total count of the late days across these months. 

This request is solely for my personal records, and I appreciate your assistance in providing this information. Should there be any forms or fees required to process my request, please let me know, and I will address them promptly. 

Thank you for your time and attention. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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:
My name is XXXX XXXX XXXX and Social Security Number : XXXX, and Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you shall 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 : Account Name : XXXX XXXX XXXX XXXX # XXXX - Opened on XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX, XXXX. # XXXX - Opened on XX/XX/XXXX Unauthorized Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you 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 attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: KS

Complaint narrative:
In XXXX of XXXX, my student loan was sold to Aidvantage. I set up automatic payments. My payment was for {$150.00}. That first payment said I was delinquent and owed an additional {$52.00}. When I contacted the company I was told multiple different things including, I need to pay the delinquent amount, they dont know why my accounts were not paid and that this was an oversight that would have fixed itself if I left it alone. Essentially, the company has paid XXXX out of XXXX of my accounts. This continued to show delinquency through XXXX when I called them again and contacted the Federal Department of Education and filed a formal complaint. In XXXX, Aidvantage acknowledged I overplayed the account and would remedy past payments to reflect accurate payments of all XXXX loans. They also said due to overpayment they would modify my payments for the next XXXX payments ( XXXX and XX/XX/XXXX would be {$52.00} and XX/XX/XXXX would be {$18.00} ). On XXXX XXXX, I checked my bank account and saw a pending transaction from Aidvantage for {$110.00}, I double checked my account on Aidvantage which stated my payment of {$52.00} was pending, however, the next day the transaction hit my account at {$110.00} and I also received a new notice from Aidvantage that XXXX and XXXX payments would now be {$110.00}, with no prior statement to change for XXXX. When I contacted Aidvantage about illegally taking more than double the payment from my account, they only responded that they were legally in their right. With this payment I also received a notice that despite my overpayment of more than double what my statement was, I was also delinquent again on my account. I have tried numerous times in XXXX and XXXX to contact Aidvantage to rectify the problem and they will not respond to my requests. On XXXX XXXX I paid the next payment of {$110.00} and today, XX/XX/XXXX, I received another delinquency notice of {$52.00}. I am tired of being told I am delinquent each month, having failure to have Aidvantage respond to each request and Aidvantage failing to properly pay my loans from my automatic payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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: ACIMA CREDIT, LLC
State: MD

Complaint narrative:
Notice to an agent is notice to the principal. 

I am writing in response to your letter dated XX/XX/year>, regarding my complaint filed with the Consumer Financial Protection Bureau ( CFPB ). Your response, which included a signed agreement and a payment statement, does not fulfill my explicit request for critical information. 

On XX/XX/year>, I sent you a letter requesting specific account details, which remain unaddressed in your response. For clarity, I will reiterate my request : 1. The date of first delinquency for the account.

2. The date of the last payment made on the account.

3. The date of the charge-off.

This information is essential to validate the accuracy of the information reported on my consumer report. As you are aware, under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), the Truth in Lending Act ( 15 U.S.C. 1601 ), and Title 18 of the United States Code, you are legally obligated to provide verifiable documentation that substantiates the accuracy of the information being furnished. Failure to provide such documentation constitutes a violation of my consumer rights.

Furthermore, your continued failure to provide the requested information may also implicate Title 18 U.S.C. 1028A, Aggravated Identity Theft, as the lack of validation for the account 's accuracy raises concerns about potential misuse of my personal information.

I reiterate that a signed agreement does not justify or validate what is being reported on my credit file. Validation requires verifiable evidence confirming the specific dates and details requested. Your response has not fulfilled this legal standard, nor does it close this matter.

If you fail to provide the requested information within 10 calendar days of your receipt of this correspondence, I will file a civil suit in good faith to seek damages for your violations of my consumer rights under the aforementioned laws. 

This is your final notice. I trust you will take the necessary steps to comply promptly.

Company response to consumer: Closed with explanation