vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Dear Sir/Madam, I am writing to formally lodge a complaint regarding the repeated failure of XXXX XXXX XXXX XXXX to properly investigate and validate disputed information on my credit report, as required under the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681. Despite my numerous disputes and lawful requests for validation and verification, the credit reporting agencies have failed to provide evidence substantiating their claims and continue to report inaccurate and unverified information.

To summarize : 1.Failure to Provide Proper Validation : I requested the following documents to validate the alleged debts : Validation of the debt ( including actual accounting ) ; Verification of the claim against me ( such as a sworn affidavit or a hand-signed invoice compliant with the Bills of Exchange Act, 1882 ) ; A true and certified copy of the original contract or agreement binding both parties ; A certified copy of the original note ( credit agreement ) under penalty of perjury, confirming it has not been sold ; Confirmation of the identity of the authorized representative who performed due diligence under the Money Laundering Regulations 2007. 
These lawful requests were ignored or inadequately addressed. Instead, I received generic responses claiming the information was verified, without any substantive evidence to support these claims. 
2.Violation of 15 U.S.C. 1681i : Under 15 U.S.C. 1681i, credit reporting agencies are required to conduct a reasonable investigation when disputes are raised. Merely stating that the information was verified without providing evidence or details of the investigation constitutes a failure to meet this legal standard.

3.Reappearance of Removed Items : Items previously removed from my credit report have inexplicably reappeared, raising serious concerns about the integrity of the investigation process and adherence to proper procedures.

4.Failure to Respond in Good Faith : My repeated attempts to dispute these inaccuracies were met with dismissive responses warning me not to send further disputes. This is both inappropriate and contrary to consumer protection laws under the FCRA. 

Given the severity of these issues, I am requesting immediate action to : 1.Conduct a thorough, independent investigation into the practices of XXXX XXXX XXXX XXXX in handling my disputes ; 2.Ensure compliance with 15 U.S.C. 1681i by requiring the credit reporting agencies to provide documented proof of their investigations and validations ; 3.Remove any and all unverifiable and inaccurate items from my credit reports ; 4.Impose penalties or corrective actions against the credit reporting agencies for non-compliance with FCRA standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX Balance {$270.00}, XXXX XXXX XXXX XXXX XXXX {$2500.00}, XXXX XXXX XXXX Balance {$730.00}, XXXX XXXX XXXX XXXX {$4600.00}, XXXX XXXXXXXX XXXX XXXXXXXX {$1000.00}, XXXX XXXXXXXX XXXX XXXXXXXX {$660.00}, XXXX XXXX {$2500.00}, XXXX XXXX Balance {$280.00}, XXXX XXXX XXXX XXXX XX/XX/year>

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 2024-12-28 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: CA

Complaint narrative:
my rights have been violated 1666b timing of payments,

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 2024-12-28 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: MD

Complaint narrative:
I am writing once again regarding the unauthorized and inaccurate account on my credit report, which remains unresolved despite my previous disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 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: MD

Complaint narrative:
I am writing once again regarding the unauthorized and inaccurate account on my credit report, which remains unresolved despite my previous disputes.

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 2024-12-29 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: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
LVNV funding llc, account XXXX began XX/XX/XXXX I discovered it XX/XX/XXXX {$1000.00} XXXX XXXX XXXX began XX/XX/XXXX discovered XX/XX/XXXX {$1000.00} XXXX XXXX account XXXX {$670.00} and XXXX {$1000.00} XXXX XXXX XXXX account XXXX began XX/XX/XXXX discovered XX/XX/XXXX {$450.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Aqua Finance, Inc.
State: TX

Complaint narrative:
See complaint XXXX, not remedied as suggested by lender. Interest not corrected and still being charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Problems receiving the advance — 
Company: DailyPay, Inc
State: GA

Complaint narrative:
I checked my DailyPay account yesterday XX/XX/year> which had the amount of {$370.00}. Today XX/XX/year> the amount is much lower and when I spoke to a customer service representative they first hung up in my face when asked about the amount. Then I called back and spoke to a different representative XXXX who sent me a email that stated when I should receive my money. Which is today XXXX explained it will by the end of the day I should be receiving the payment from my check advanced I have yet to receive that payment. Also, I was never notified that money that I earned will be removed from my daily pay account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To begin, I would like to ensure you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations, any and all others that might be reported now or else wise I DEMAND, as is my lawful RIGHT ( s ) to do so, that you annul permanently and immediately any and all deficient of these afore-noted conditions, mentioned or not, especially if related directly or indirectly to any potentially injurious information be it true or unknown! Again, I DO NOT AUTHORIZE you to mis-report any mis-information now or ever, please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles.

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 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am submitting this complaint against TransUnion regarding fraudulent collections added to my credit report, my inability to effectively dispute them, and poor customer service that has worsened the situation. Time is critical, as I have a limited window to dispute the validity of these collections. Below are the key issues : 1.Fraudulent Collections Discovered on My Credit Report : Two fraudulent collections attributed to XXXX XXXX XXXX XXXX have appeared on my credit report. The first reports a balance of {$1000.00}, and the second reports a balance of {$870.00}. Both were added on XX/XX/year>. These accounts are fraudulent and the result of identity theft. I was only able to learn of these collections through XXXX XXXX because I have been unable to access my TransUnion credit report. 
XXXX.Inability to Access Credit Report Since XX/XX/year> : Since XX/XX/XXXX, I have been unable to view my credit report through TransUnion despite repeated attempts. This lack of access prevents me from verifying additional changes to my report or confirming whether disputes I filed have been processed. 
XXXXDispute Portal Malfunction : I currently have an open dispute with TransUnion, but I can not view its status or progress due to repeated errors in the dispute system. This has left me without a reliable way to address or escalate the fraudulent collections in a timely manner. 
XXXX.Conflicting Information and Poor Customer Service XXXX The agents I have spoken with have provided conflicting and unhelpful information. For example : One agent stated that my credit report is only updated weekly, which contradicts TransUnions claims of real-time reporting. 
Another agent discouraged me from mentioning my rights under the Fair Credit Reporting Act ( FCRA ) statutes, which I found both unprofessional and dismissive of my rights as a consumer. 
Some agents displayed unhelpful and rude attitudes during our interactions. Screenshots of these interactions are attached as evidence. 

Impact on Me : The combination of fraudulent collections, inaccessible tools, and poor customer service has left me unable to protect my credit profile or resolve issues caused by identity theft. I am at risk of long-term financial harm if these fraudulent collections are not removed promptly. The conflicting information provided by TransUnion agents has further delayed resolution and caused unnecessary stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: AL

Complaint narrative:
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. 



Account name : XXXX XXXX XXXX # XXXX Account name : XXXX Acct # XXXX Account name : XXXX XXXX Acct # XXXX 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 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: AL

Complaint narrative:
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. 



Account name : XXXX XXXX  XXXX # XXXX Account name : XXXX Acct # XXXX Account name : XXXX XXXX Acct # XXXX 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.

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 2024-12-29 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX NOTICE! of inaccurate unverified and fraudulent reporting resulting in great pain and suffering for the last 10 years due to fiduciary irresponsibleness Regarding all claims/inquiries/ on my credit report I request a copy of a 1099C regarding these inaccurate debts The Department of Education is reporting on my credit report I have the right to report The Department to the IRS and to sue for fraud and damages The Department of Education has been non compliant and unresponsive to my many attempts to resolve these inaccurate reportings and mulitple FDCPA violations. 
Pursuant HJR 192 of 1933 " The Department of Education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX U.S. Department of Education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
On XX/XX/XXXX, I opened a CitiBank XXXX Checking account because CitiBank offered a {$320.00} cash bonus for new customers. I funded {$1500.00} and {$3000.00} on XX/XX/XXXX and XX/XX/XXXX from my checking account at XXXX XXXX XXXX  to fulfill the welcome bonus requirements. However, on XX/XX/XXXX, I made a XXXX transaction for {$490.00} to my personal XXXX account and requested a {$1500.00} XXXX transaction from the same XXXX XXXX account, CitiBank claimed that I violated the policy and closed my account. I called their customer service and fraud department, they requested me to go to the local branch in person without providing the reason. I went to the branch on XX/XX/XXXX, but the local banker could not reactivate my account and I was told my welcome bonus was canceled. My {$2000.00} was withheld by CitiBank and the {$320.00} bonus was neither received.

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 monetary relief
Consumer complaint received 2024-12-28 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: CA

Complaint narrative:
there are fruadulant credit inquires and address reporting on my credit report i have called the credit burues and they are refusing to help me in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: CA

Complaint narrative:
there are fruadulant credit inquires and address reporting on my credit report i have called the credit burues and they are refusing to help me in 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 explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
15 U.S. Code 1681 ( s ) -2 ( Any payments during COVID-19 are required to be deferred or forgiven ) 15 U.S. Code 1681 ( 4 ) ( You have a right to privacy.

If you consider your late payments to be private information, they must be deleted from your credit ) 15 U.S. Code 1681 ( a ) ( Any transactions between you and the creditors are required to be excluded from your 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 2024-12-28 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: AR

Complaint narrative:
NOTICED A FRAUD ACCOUNT AND SOME FRAUDLENT INQURIES ON MY REPORT FROM EXPERIAN.

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 2024-12-28 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: AR

Complaint narrative:
NOTICED A FRAUD ACCOUNT ON MY TRANSUNION REPORT,, HOW IS THIS COMPANY REPORITNG FRAUD ON MY REPORTS,,, THERE ARE 12 FRAUD INQURIES LISTED ALSO

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 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
there are fruadulant credit inquires and address reporting on my credit report i have called the credit burues and they are refusing to help me in 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 2024-12-28 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: CA

Complaint narrative:
There are unauthorized hard inquiries and Credit card accounts from Hard Inquiries XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

Outstanding Compliance Issues :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

Outstanding Compliance Issues :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: John C. Heath, Attorney at Law, PLLC
State: LA

Complaint narrative:
They never fix my credit score and I was making payments every month for XXXX years

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: NC

Complaint narrative:
This account XXXX XXXX. # XXXX Charge-Off came back as being reported factual. However, I disputed this fraudulent account and the file is attached to the Affidavit. This account was reporting as a hard inquiry. However, it's now currently being reported as a Charge-Off account.

1 ). FCR Violation : Under the FCRA ( 15 USC 1681 ), CONSUMER REPORTING AGENCIES ( CRAs ) are required to ensure the maximum possible accuracy of the information they report. Willful or negligent noncompliance with these requirements can result in civil liabilities, including damages and attorney fees.

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