vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Maury Cobb, Attorney at Law, LLC
State: FL

Complaint narrative:
A company named XXXX XXXX Attorney Law LLC is trying to collect {$200.00} from me, impacting my credit score. Supposedly the debt is in regards to XXXX equipment Ive never purchased any equipment from XXXX and I dont have any current balances with XXXX. I called the company and tried to get any kind of additional information but they mailed their collection bill. Its so frustrating that companies can just manufacture debts out of thin air.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 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: CA

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of 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 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
XXXXXXXX XXXX and exquifax are reporting wrong information on my credit report. the Information is as follows : incorrect phone numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect addresses 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 2024-07-09 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: MS

Complaint narrative:
XXXX, experian and XXXX are reporting wrong information on my credit report. the Information is as follows : incorrect phone numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect addresses 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 2024-07-09 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:
I mailed off a letter to Experian about late payments and usage reporting on my credit report on XX/XX/year>. I did not receive anything back from them. I asked them to please remove the late payments and usage and to write me back a letter when they have been removed. They didn't do that. I also requested them to send me something saying they received my letter. I got no response. I also got the letter notarized by a publicly bonded notary. Some of the things I included in the letter was a violation of XXXX XXXX XXXX the term consumer report does not include a report containing information solely as to transactions ( LATE PAYMENTS ) or experiences ( USAGE ) between the consumer and the person making the report. I mailed that off certified mail which I can include a picture for proof of delivery. Attached I have proof that I have mailed experian credit reporting agency multiple times and have received no response from their agency. 

I sent a second letter titled XXXX to cure giving XXXX  a chance to redress the situation. The letter contained the same information in the first XXXX and I still did not receive a written response. The day I mailed off the second letter was XX/XX/year> certified mail. I can also provide a picture for proof of delivery of the second letter. In the second letter I included that XXXX XXXX XXXX is the violation for civil liability for noncompliance and they still didn't not try to reach out to me the consumer/principal. Now they are in 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 2024-07-09 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 Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

and list of Inquiries.

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. 1681s-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.

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 2024-07-09 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:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 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: GOLDMAN SACHS BANK USA
State: OR

Complaint narrative:
The negative rating on my account is a major source of concern. Its potential impact on my credit is deeply troubling. This issue has already led to a loan application being rejected and higher interest rates on my current credit accounts. I can not overstate the financial hardship and emotional strain this unfavorable rating has caused and will continue to cause until resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo sent a letter ( " XXXX declaration '' ) and requested to send documents such as XXXX passport to the email address ( XXXX ). I have sent a copy of my XXXX passport with the form signed on XX/XX/XXXX. Without any notice, they locked all my accounts on XX/XX/XXXX. I have tried to call and visited the branch. Today is XX/XX/XXXX and all my accounts are still locked. I can not withdraw any money. I have been without money and I am going through breakdown and the problem is I don't know where to go, what to do and who to contact anymore. This is a pure discrimination. I was born in XXXX but moved to XXXX on XXXX and I am holding a XXXX XXXX. I don't even have XXXX  passport, have not been to XXXX for almost 7 years and no intention to travel there every again. I have no relation with XXXX whatsoever.

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 2024-07-09 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: Zions Debt Holdings
State: TX

Complaint narrative:
Collection company did a negative report to my credit score which it makes it drop down, but after I spoke to them instead of helping they refused to send a report of when the account was open and not able to help, and since XXXX is a new month they made another negative report by adding {$5.00} dollars more to the standing balance, which I think is NOT legal, besides that they keep threading me with text and being very unprofesional. 

Name of the collection agency is : Zion Debt Holdings

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 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:
I mailed off a letter to Experian about late payments and usage reporting on my credit report on XX/XX/2024. I did not receive anything back from them. I asked them to please remove the late payments and usage and to write me back a letter when they have been removed. They didn't do that. I also requested them to send me something saying they received my letter. I got no response. I also got the letter notarized by a publicly bonded notary. Some of the things I included in the letter was a violation of 15 USC 1681a the term consumer report does not include a report containing information solely as to transactions ( LATE PAYMENTS ) or experiences ( USAGE ) between the consumer and the person making the report. I mailed that off certified mail which I can include a picture for proof of delivery. Attached I have proof that I have mailed experian credit reporting agency multiple times and have received no response from their agency. 

I sent a second letter titled XXXX to cure giving Experian a chance to redress the situation. The letter contained the same information in the first one and I still did not receive a written response. The day I mailed off the second letter was XX/XX/2024 certified mail. I can also provide a picture for proof of delivery of the second letter. In the second letter I included that 15 USC 1681n is the violation for civil liability for noncompliance and they still didn't not try to reach out to me the consumer/principal. Now they are in DEFAULT.

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 2024-07-09 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: TN

Complaint narrative:
XXXX XXXX, I contacted TransUnion to address ongoing issues. I have proof that XXXX XXXX XXXX XXXX is retracting the account reported. There are XXXX other accounts that Transunion shows as charge-offs ; yet, they reflect a balance, when the balance should be " XXXX ''. The accounts are XXXX XXXX, XXXX XXXX, and XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-07-09 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: NY

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 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 find out new collection account from XXXX XXXX XXXX. Original name : XXXX XXXX XXXX. Account number XXXX. ( opened : XX/XX/XXXX, date closed XX/XX/XXXX ) in my credit report with TRANSUNION. I never had any deal with that company. First of all, I asked this company to prove to me that this is my debt and they didn't. If they can't verify my information, please remove it from my credit report immediately, i know it has to be remove in 30 days. If they can verify that it is my account please provide : method of verification, original contract with my sign and SSN number. Only if they will provide it, it can be verify! But i am sure they can't! This is not my debt, remove this account from my credit history.. EVEN IT IS CLOSED ACCOUNT IT HURTING MY CREDIT

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 2024-07-09 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: MA

Complaint narrative:
I was hospitalized and was unable to make payment. I called XXXX and asked if they could push payment to back of loan. They agreed as I am always on time with payment. However on my credit report it shows I was 60 days late. My score dropped over XXXX points. I wrote two letters, I disputed multiple times on line to credit agencies and got verification letters from XXXX. XXXX said it was computer generated and there was nothing they could do for me and to go through credit agencies. I just dont know what to do at this point. I am always on time with payments and have worked so hard on my credit.

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 2024-07-09 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: MA

Complaint narrative:
I was hospitalized and was unable to make payment. I called XXXX and asked if they could push payment to back of loan. They agreed as I am always on time with payment. However on my credit report it shows I was 60 days late. My score dropped over XXXX points. I wrote two letters, I disputed multiple times on line to credit agencies and got verification letters from XXXX. XXXX said it was computer generated and there was nothing they could do for me and to go through credit agencies. I just dont know what to do at this point. I am always on time with payments and have worked so hard on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 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: MA

Complaint narrative:
I was hospitalized and was unable to make payment. I called XXXX and asked if they could push payment to back of loan. They agreed as I am always on time with payment. However on my credit report it shows I was 60 days late. My score dropped over XXXX points. I wrote two letters, I disputed multiple times on line to credit agencies and got verification letters from XXXX. XXXX said it was computer generated and there was nothing they could do for me and to go through credit agencies. I just dont know what to do at this point. I am always on time with payments and have worked so hard on my credit.

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 2024-07-09 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I applied for a XXXX credit card cobranded by XXXX. On XX/XX/year>, they sent a letter to me denying the application. I called them and they could not tell me why denied and said to contact Experian. The phone numbers for Experian did not allow a selection to resolve the fact that my credit score is incorrect, XXXX points lower than XXXX and XXXX. I have sent letters to Experian and XXXX and copied XXXX because there is no way to speak to a human at Experian. And unable to get through to XXXX corporate offices. XXXX at XXXX XXXX XXXX refused to provide me answers about credit score policy or credit score requirements. She would not give me her last name, ID or allow me to speak to a supervisor. 

I have previously complained to Experian about their reporting credit score of XXXX when XXXX and Experian scores are XXXX XXXX. Their responses did not explain the discrepancies. ( See CFPB complaints XXXX and XXXX ) The lack of transparency by XXXX and Experian is unacceptable. The CFPB should require them to provide the specific reasons for denial of credit applications and why denied by using ONLY the incorrect, low score provided by Experian. 

See attached documents with details and proof of credit scores.

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 2024-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
the debt collector LVNV FUNDING I never did business with this company and never gave written consent to share my information with anyone

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 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: NJ

Complaint narrative:
This account was charged off on the following date : XX/XX/year> Since then the account has repeatedly been updated as a charged off every month. this is an updated in the payment history. A charged off account shouldn't include an active payment history. this inaccurate information falsely manipulates the statute of limitation. Please investigate this account properly after i asked you to do it TWICE and your neglect has violated my rights, I am demanding a deletion of the following account : Accounts Name : XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 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: NY

Complaint narrative:
I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like Equifax did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : XXXX5 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual.

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes.

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision.

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated.

My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below These account should not reflect as negative : XXXX. XXXX XXXX # XXXX YOU ARE NOT reporting 100 % correctly. You are violating FCRA. DELETE the late payments on my payment history ASAP.

Company response to consumer: Closed with explanation