vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
This account was previously removed from all XXXX credit bureaus due to fraud, but a new third-party creditor has acquired it from another third-party creditor stating that is was for a XXXX XXXX XXXX XXXX account , and reinstated it on my credit report. I have requested a debt validation letter from them, which has gone unanswered. I requested to see the original signature that I agreed to on the contract for this XXXX XXXX. Reference # XXXX. ACCOUNT NUMBER ENDING IN : XXXX, I also Requested to know has there been any insurance claims found on this debt? I wanted to see the chain of title that allows you to collect on this debt, and I wanted to see the chain of title that allows you to collect on this debt in the state of Georgia. The account is closed, and XXXX XXXX has claimed insurance on it. Neither Resurgent Capital Services nor LVNV Funding LLC is legally entitled to collect on this account. None of this has been provided to me by neither of the third party collection company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Ive discovered accounts on my credit report that I never authorized and believe to be fraudulent. Please delete them without delay.

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 2024-11-21 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: NH

Complaint narrative:
Formal Complaint Against Experian for Non-Compliance with FCRA 605B and Failure to Address Fraudulent Items in My Credit Report To Whom It May Concern, I am filing this complaint due to Experian 's willful non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically under 605B, in relation to fraudulent items on my credit report that I have disputed. Experian has failed to remove these items despite being provided with comprehensive documentation, which includes my identity theft report, proof of address, government-issued identification, and additional documentation linking me to a data breach incident. 

Summary of Noncompliance and Violations : I first submitted a dispute to Experian, along with all required documentation, citing my rights under 605B of the FCRA, which clearly mandates that credit reporting agencies must block any information that resulted from identity theft within four business days upon receipt of such notification. Experian 's failure to act not only violates 605B but also disregards the legislative intent behind the FCRA, which is designed to protect consumers from the severe consequences of fraudulent reporting and identity theft. 

Experian 's failure to act appears to be in direct contravention of the court 's stance in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, where it was established that credit reporting agencies bear significant responsibility in ensuring accuracy and must adequately address disputes involving identity theft. By refusing to block these fraudulent entries on my report, Experian is knowingly and willfully neglecting this duty. Furthermore, in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the court underscored the consumer 's right to a fair investigation by credit reporting agencies. In failing to fulfill their legal obligations, Experian has also demonstrated non-compliance with the CFPB 's XXXX bulletin on credit reporting agencies ' responsibilities in the handling of identity theft complaints. 

Attached you will find proof of my previous attempts to dispute the fraudulent accounts on my consumer report with Experian, proof that I was a victim of the XXXX Data Breach, Proof of ID, SSN, Proof of address, and the FTC Affidavit listing the fraudulent Kikoff Account.

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 2024-11-21 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: FL

Complaint narrative:
Complaint Details What Happened * On XX/XX/year>, I booked a car rental reservation through American Express Travel with XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX. 
* The agreed rental terms were as follows : * Pick-Up Date/Time : XX/XX/scrub> XXXX XXXX XXXX XXXX XXXX  Drop-Off Date/Time : XX/XX/year>, XXXX XXXX XXXX XXXX  Rental Location : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Confirmation Number : XXXX * Approximate Price : {$1300.00} ( including taxes ). 
* However, I was charged {$2500.00}, which is significantly higher than the agreed amount and was not authorized by me. 

First Dispute Resolution * Account Ending : XXXX * Reference Number : XXXX * Merchant Name XXXX XXXX XXXX XXXX  * Transaction Amount : {$2500.00} * Dispute Outcome : American Express denied my dispute, claiming the charge was valid. 

Second Dispute Resolution * Account Ending : XXXX * Reference Number : XXXX * Merchant Name XXXX XXXX XXXX XXXX XXXX Transaction Amount : {$2500.00} * Dispute Outcome : * Amex stated that XXXX XXXX XXXX provided sufficient documentation to justify the charge. 
* According to the explanation, an extra charge was applied because the car was returned at XXXXXXXX XXXX instead of XXXXXXXX XXXX resulting in a higher total. 
* The merchant also claimed that a signed rental agreement reflected the total charge of {$2500.00}, including additional coverages. 

Why I Disagree 1. Agreed Price : The original confirmed price was {$1300.00}, including taxes. I did not authorize or approve any additional charges. 
2. Return Time Discrepancy : A 12-minute delay ( XXXXXXXX XXXX instead of XXXXXXXX XXXX  ) does not justify an overcharge of over {$1100.00}. 
3. Rental Agreement : I believe the merchant misrepresented the agreement to include unauthorized additional charges. I do not recall agreeing to any extra coverages or fees. They made it seem like the additional amount was a deposit that would be refunded to my account upon returning the vehicle. 

Rental Confirmation Details * Agency : XXXXXXXX XXXX XXXX XXXX Location : XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX * Confirmation Number : XXXX * Pick-Up Date/Time : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX Drop-Off Date/Time : XX/XX/year>, at XXXXXXXX XXXX XXXX Approximate Price : {$1300.00} ( including taxes ). 

Supporting Evidence * The original booking confirmation showing the agreed price of {$1300.00}. ( Attached )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-20 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:
I recently noticed multiple unauthorized inquiries from your company on my credit report that I absolutely do not recognize or remember authorizing.

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 2024-11-21 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: FL

Complaint narrative:
The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX Balance Owed : {$190.00} XXXX XXXX XXXX Balance Owed : {$9900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: FL

Complaint narrative:
The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX Balance Owed : {$190.00} XXXX XXXX XXXX Balance Owed : {$9900.00}

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 explanation
Consumer complaint received 2024-11-21 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: PA

Complaint narrative:
XXXX XXXXXXXX XXXX account Number : XXXX Has reported that my account has been charged-off while continuing to report a balance. According to the IRS Code ( Internal Revenue Code - IRC, 6050P ), when a debt is canceled and claimed as a loss, a 1099-C form should be issued to declare that cancellation as taxable income. I have not received such a form.

and still continue to report an outstanding balance to the credit bureaus, which constitutes a violation of the FCRA. 

And also, I believe that the information currently reported is inaccurate and potentially incomplete, violating the requirements established under the FCRA, 15 U.S.C. 1681e ( b ), which mandates that all entries in credit reports must be complete, accurate, and verifiable. 

The balance of {$5100.00} exceeds the original credit limit of {$4500.00}. This needs to be clarified, as it could represent unauthorized interest or fees beyond the original terms of the agreement. 

In previous disputes, no evidence was provided to substantiate the accuracy of the reported data. I request that you initiate a detailed investigation with XXXX XXXX to confirm the validity of this information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 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: MI

Complaint narrative:
I looked and reviewed my report back on XX/XX/XXXX, 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. These accounts XXXX XXXX XXXX XXXX Account Number : # XXXX ], are not complete and accurate. 

And one more thing according to 15 USC 1681s-2 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 non-monetary relief
Consumer complaint received 2024-11-21 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 looked and reviewed my report back on XX/XX/XXXX, 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. These accounts XXXX XXXX XXXX XXXX Account Number : # XXXX ], are not complete and accurate. 

And one more thing according to 15 USC 1681s-2 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 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 2024-11-21 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: FL

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-11-21 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: PA

Complaint narrative:
I couldnt believe it when I saw inaccurate accounts listed on my credit report this morning. I always monitor my report regularly, but this time, there were discrepancies that seemed to appear out of nowhere. Thinking it might be a browser glitch, I refreshed the page, but the errors persisted. This has left me feeling anxious, and Im asking for a detailed review of the documents I sent to prevent this from ever happening again.

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 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC.
State: NY

Complaint narrative:
Exeter XXXX is trying to collect for a vehicle no longer in my possession that I voluntarily gave up due to not being able to pay. My name at the time was XXXX XXXX. Exeter XXXX used the company XXXX XXXX XXXX to try to sue me for the amount they could not collect for the remaining of the sale, and in which we went to court for. The XXXX was dated back in XXXX, in which they did not try to take me to court until XX/XX/XXXX. The case was " discontinued '' at the XXXX XXXX XXXX XXXX on XX/XX/XXXX. I am disputing this due to stature of limitations since it is past the legal time limit of 3 years to sue someone for the debt and to cease and assist this debt. I also would like it removed from my credit report as well. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NCB Management Services Inc.
State: NY

Complaint narrative:
XXXX XXXX is trying to collect for a vehicle no longer in my possession that I voluntarily gave up due to not being able to pay. My name at the time was XXXX XXXX. XXXX XXXX used the company NCB XXXX XXXX to try to sue me for the amount they could not collect for the remaining of the sale, and in which we went to court for. The Loan was dated back in XXXX, in which they did not try to take me to court until XX/XX/XXXX. The case was " discontinued '' at the XXXX XXXX XXXX XXXX on XX/XX/XXXX. I am disputing this due to stature of limitations since it is past the legal time limit of 3 years to sue someone for the debt and to cease and assist this debt. I also would like it removed from my credit report as well. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Self Financial Inc.
State: IL

Complaint narrative:
Self builder account hasnt been accessible for about a week. Ive contacted customer service support and was given no information on why my account is in such status. I recently paid a balance of {$120.00} XX/XX/XXXX and now my account is blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: NC

Complaint narrative:
My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history 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 to be updated.

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 21 days before the payment due date. 


EQUIFAX XXXX 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 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 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: CA

Complaint narrative:
I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. 

Depending solely on your flawed XXXX system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
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 2024-11-21 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: TX

Complaint narrative:
My credit report has been pulled up by these companies and applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them. I have contacted the bureau and the representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 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: PA

Complaint narrative:
My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history 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 to be updated.

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 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update 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