vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XX/XX/year> Experian, XXXX, XXXX Subject : Dispute of Late Payment Report Request for Correction Dear Sir/Madam, I am writing to formally dispute the accuracy of a late payment entry on my credit report. The specific entry in question is under the account [ Account Name # XXXX ], reported by [ XXXX XXXXXXXX. According to my records, the information is incorrect, and I am requesting an immediate correction. 

**Legal Basis for Dispute : ** 1. **15 USC 1681 ( a ) ( 1 ) ** : This section mandates that credit reporting agencies ensure the accuracy and fairness of the information contained in consumer reports. The erroneous late payment entry on my report is neither accurate nor fair. 

2. **15 USC 1681 ( a ) ( 2 ) ** : This section emphasizes the need for the reporting system to be fair and equitable XXXX Reporting an incorrect late payment undermines the fairness and equity intended by this law. 

3. **15 USC 1681 ( a ) ( 3 ) ** : It is required that consumer credit reports are to be used in a manner that is appropriate and just. An incorrect late payment mark is an inappropriate and unjust use of my credit information. 

4. **15 USC 1681 ( a ) ( 4 ) ** : The section outlines the importance of maintaining the confidentiality, accuracy, relevancy, and proper utilization of credit information. The current late payment entry fails to meet these standards, particularly in terms of accuracy and relevancy. 

5. **15 USC 1681 a ( d ) ( 2 ) ( A ) ** : This provision excludes certain types of consumer information from being reported if they do not meet the criteria for accuracy and completeness. Given that the reported late payment is inaccurate, it should be excluded from my report. 

6. **15 USC 1681 a ( d ) ( 2 ) ( A ) ( iii ) ** : The code specifies that information must be reported with maximum possible accuracy. As this late payment entry is erroneous, it fails to meet this criterion and must be corrected. 

**Requested Action : ** In light of these regulations, I request that [ Experian, XXXX XXXX XXXX XXXX investigate and correct this error promptly. I have attached relevant documentation ( e.g., payment receipts, correspondence with the creditor ) to support my claim. 

Please provide written confirmation of your receipt of this letter and an update on the status of my dispute within the time frame mandated by the Fair Credit Reporting Act. 

Thank you for your immediate attention to this matter. Should you require further information, please do not hesitate to contact me. 

Sincerely, 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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Dear Equifax I am writing to request the deletion of inaccurate, fraudulent, and duplicate accounts present on my consumer credit reports and to bring to your attention the failure of XXXX XXXX and XXXX to provide the necessary proof of debt validation within the stipulated time frame of 30 days. I have previously sent certified dispute letters to these companies requesting verification of these accounts, as per the Fair Credit Reporting Act ( FCRA ), and have obtained a certified receipt with a signature confirming their receipt of the letter. 

Despite my efforts to rectify the inaccuracies in my credit report and to ensure compliance with the FCRA, this company never responded to me with the verifiable documentary proof, original consumer contract, or similar proof bearing my wet ink signature on it, 30 days went by and I received nothing from this company. 

As outlined in the FCRA, failure to provide documented and verifiable proof within the specified time frame obligates the removal of unverified, invalid, derogatory accounts and information from my consumer report. Despite the receipt of my dispute letter and the lapse of the 30-day period, XXXX XXXX and XXXX has neither provided the requested proof nor rectified the inaccuracies in the reported information. They didnt respond to me at all and therefore by law I'm demanding the deletion of these accounts on my credit report immediately. 

I formally request EQUIFAX to remove the disputed accounts, XXXXXXXX XXXX and XXXX from my credit report, as per the provisions of the FCRA. The failure of these companies to validate the debt within the statutory timeframe signifies their non-compliance with federal regulations and warrants the removal of the disputed accounts. 

I have enclosed a copy of the certified dispute letters and certified receipts with the tracking number, date, and signature someone received it for your reference. I kindly request your prompt attention to this matter and the necessary action to remove these inaccurate and fraudulent accounts off my credit report. Thank you for your prompt assistance in resolving this matter.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have received your computer-generated notice informing me that you did not do any action or investigation for the disputes I sent out last time because you think I may have used a third-party credit repair company. Not only do I think this is just your delaying tactics to get an extra 30 days to fulfill my first request, but I also think it's a clear violation of the Fair Credit Reporting Act. Again, please be informed that you are reporting inaccurate and incomplete information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
After receiving the response to my complaint sent by CFPB ( XX/XX/year> ) to LVNV Funding LLC. I demand the immediate closure of this collection, not only for lacking legal evidence, but also for demanding and forcing payments for an account that lacks receipts. This practice is not only illegal but very harmful and punishable under the consumer abuse act. 
The information provided by the collection company in response to my complaint is not only irrelevant and inaccurate, is an insult and evidence that he is trying to harm me with his malpractice and as such it is illegal based on the documents they have against me, to continue to claim a collection without legal receipts on a debt that does not belong to me and constitutes an illegal practice under the consumer protection system. Its is illegal as it is based on monthly activity statements, sent by the original creditor to an address that was not associated with me on the dates of those statements, and not on any original documents from original creditor to prove any legal agreement between me and the company that included but not limited, any, contract acceptance agreements with my signature and date of acceptance, proof of receipt of the physical card mailed address delivered, verification of purchase receipt plus signatures, ID or Driver Licenses associated with the physical card, bank receipts associated with monthly payments to named account, or any other form of legal verification document to support their claim.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am writing to dispute multiple unauthorized hard inquiries on my credit report. I have identified 13 inquiries that I did not authorize. These inquiries are negatively affecting my credit report. The inquiries in question are as follows : XXXX. XXXX XXXX XXXX - Inquiry Date : XXXX - Type : Student Loans- Phone Number : ( XXXX ) XXXX XXXX. XXXX XXXX - Inquiry Date : XXXX - Type XXXX XXXX XXXX XXXX XXXX Phone Number : ( XXXX ) XXXX XXXX. XXXX XXXXXXXX XXXX  - Inquiry Date : XXXX - Type : XXXX XXXX XXXXXXXX XXXX Phone Number : ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX  - Inquiry Date : XXXX - Type : BXXXX XXXX XXXX XXXX Phone Number : ( XXXX ) XXXX XXXX. XXXX XXXX - Inquiry Date : XXXX - Type : XXXX XXXX XXXX Phone Number : ( XXXX ) XXXX XXXX. XXXX XXXX - Inquiry Date : XXXX - Type : XXXX XXXX XXXXXXXX XXXX Phone Number : ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX - Inquiry Date : XXXX - Type : Bank Credit Cards XXXX Phone Number : ( XXXX ) XXXX XXXX. XXXX XXXX XXXX - Inquiry Date : XXXX - Type : Bank Credit Cards XXXX Phone Number : ( XXXX ) XXXX XXXX. XXXX XXXX - Inquiry Date : XXXX - Type : Bank Credit Cards - Phone Number : ( XXXX ) XXXX XXXX. XXXX XXXX XXXX - Inquiry Date : XXXX - Type : Bank Credit Cards - Phone Number : XXXX  XXXX XXXX XXXX XXXX XXXX - Inquiry Date : XXXX - Type : Bank Credit Cards - Phone Number : ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX - Inquiry Date : XXXX - Type : All Banks - non-specific - Phone Number : ( XXXX ) XXXX XXXX. XXXX XXXX XXXX - Inquiry Date : XXXX - Type : Bank Credit Cards - Phone Number : BYMAILONLY Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate my dispute and, if the information can not be verified, remove these inquiries from my credit report. These inquiries were made without my permission and I did not authorize them.

Please take the appropriate actions to rectify this situation and confirm in writing that these inquiries have been removed from my 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 2024-07-09 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: MA

Complaint narrative:
I am writing to dispute multiple unauthorized hard inquiries on my credit report. I have identified XXXX inquiries that I did not authorize. These inquiries are negatively affecting my credit report. The inquiries in question are as follows : XXXX. XXXX XXXX XXXX - Inquiry Date : XXXX - Type : Student Loans- Phone Number : ( XXXX ) XXXX XXXX. XXXX XXXX - Inquiry Date : XXXX - Type : Bank Credit Cards - Phone Number : ( XXXX ) XXXX XXXX. XXXXXXXX XXXX XXXX XXXX Inquiry Date : XXXX - Type : Bank Credit Cards - Phone Number : ( XXXX ) XXXX XXXX. XXXXXXXX XXXX XXXX XXXX Inquiry Date : XXXX - Type : Bank Credit Cards - Phone Number : ( XXXX ) XXXX XXXX. XXXX XXXX - Inquiry Date : XXXX - Type : Bank Credit Cards- Phone Number XXXX ( XXXX ) XXXX XXXX. XXXX XXXX - Inquiry Date : XXXX - Type : Bank Credit Cards - Phone Number : ( XXXX ) XXXX XXXX. XXXX XXXX XXXX - Inquiry Date : XXXX - Type : Bank Credit Cards - Phone Number : ( XXXX ) XXXX XXXX. XXXX XXXX XXXX - Inquiry Date : XXXX - Type : Bank Credit Cards - Phone Number : ( XXXX ) XXXX XXXX. XXXX XXXX - Inquiry Date : XXXX - Type : Bank Credit Cards - Phone Number : ( XXXX ) XXXX XXXX. XXXX XXXX XXXX - Inquiry Date : XXXX - Type : Bank Credit Cards - Phone Number : BYMAILONLY XXXX XXXX XXXX XXXX XXXX - Inquiry Date : XXXX - Type : Bank Credit Cards - Phone Number : ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry Date : XXXX - Type : All Banks - non-specific - Phone Number : ( XXXX ) XXXX XXXX. XXXX XXXX XXXX - Inquiry Date : XXXX - Type : Bank Credit Cards - Phone Number : XXXX Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate my dispute and, if the information can not be verified, remove these inquiries from my credit report. These inquiries were made without my permission and I did not authorize them. 

Please take the appropriate actions to rectify this situation and confirm in writing that these inquiries have been removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Previously, I engaged XXXX XXXX XXXX XXXX XXXX to review and correct my consumer credit reports. On XX/XX/2024, XXXX XXXX XXXX XXXX XXXX requested Portfolio Recovery to validate the alleged debt or delete the account. However, there is no record that Portfolio Recovery has validated the alleged debt, nor has the account been removed from my consumer reports.

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: TRANSUNION INTERMEDIATE HOLDINGS, 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.

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 informationisinaccurate.

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: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I have been attempting to unfreeze my credit report from Experian for weeks. My bank will not approve a loan for a roof replacement on my house until Experian provides a report on my credit. 

I have attempted to get in touch with Experian by phone and no matter what options I select, I am not routed to an actual person who can help me and the automated system directs me to the website to unfreeze my credit, offering no option over the phone. 

The website attempts to validate my identity based on information it has on file associated with my social security number. As such, it locates out-of-date data for my demographic profile, and therefore the only option I have to " validate my account '' is a phone call or text message to a phone number I no longer possess. Calling for customer service loops be back to the website for this. You see the problem. 

I have submitted a request to permanently unfreeze my credit with Experian via mail with a completed request form and copies of my drivers license and a utility bill, and we have received XXXX feedback on this request which went out almost 2 weeks ago. 

My roof is actively leaking and until I can secure financing, I can not fix it. This is causing continued damage to my home and I'm considering all options to resolve this issue, starting with this formal complain.

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: CA

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX Account Number : XXXX XXXX XXXX Account Number : 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 card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I had a statement balance of {$1300.00} on the statement that closed XX/XX/XXXX. The minimum payment due date was XX/XX/XXXX. By that date, I had satisfied the entire statement balance except for {$530.00}. I paid that amount on XX/XX/XXXX. This was XXXX day after the minimum payment was due, but two days before the end of the statement cycle of XX/XX/XXXX. 

I was charged {$34.00} in interest. For {$530.00}. For one day. When they still received their money before the close of the financial period. 

When I called in to ask why, I was first told that I hadn't paid off my entire statement balance. When I informed the rep that was incorrect, she then came back and said that my payment on XX/XX/XXXX was late ( she had the payment date wrong ). I always thought the due date was for the minimum payment and that I had until the end of the statement period to pay the statement balance. This is one of the reasons why I asked for the terms and conditions.

She also gave me two different answers when I asked what the amount is that I am being charged interest on. First I was told {$1800.00}. This amount corresponds to my current purchases from my last statement, which aren't even due until XX/XX/XXXX. I asked why I would getting charged interest on my current purchases. Then she said I'm being charged on {$1300.00}. This corresponds to my entire previous balance, despite the fact that over {$800.00} of that had already been satisfied. I asked her to clarify that she was saying that it is legal for them to charge me interest for money paid to them that they had already physically received. She said that is how the interest is calculated. This is the other reason why I asked for the terms and conditions. Then later I looked at my statement in further detail, and it turns out the amount they ACTUALLY charged interest on was {$1400.00}. Where did that number come from? The rep I was talking to clearly had no idea when she was giving me her answers because she came up with XXXX and neither of them were right according to this paperwork. 

They won't email me the terms and conditions so that I could have the rep help me find the section that authorizes them to do these things. I have to wait to get them in the mail. It seems totally wrong that they are able to charge me {$34.00} for not having paid them {$530.00} for XXXX day. It seems extremely shady that the rep couldn't find the amount I was charged the interest on, and that no one at Chase is able to directly point me to where this is authorized. I asked to speak with the person at Chase who can, and I was literally told no one there is able to do that. I was told the terms and conditions are my personal information, which they are not. They were produced by Chase and someone there should be able to navigate them when a customer asks.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
Reporting a debt not on my consumer credit report without my written consent. Illegally sold my personal information to a debt collector without my written consent.

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:
Under the Fair Debt Collection Practices Act this disputed item XXXX not appear on my credit report if it can not be supported by any XXXX XXXX XXXX ( g ) [ 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 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am trying to get Transunion and XXXX to verify the bankruptcy that they are claiming that I file and the bankruptcy that they are reporting on my credit file. I have verified with the courts that they listed as that provided them with this information and they have provided me with a letter stating that they do not and have not furnished the credit agencies ( XXXX and Transunion ) with no such information. Please see attachments. These agencies is reporting inaccurate information on my credit file.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I DID NOT INQUIRY IN THESE ACCOUNTS BELOW, THIS IS IDENTITY THEFT. AND MUST BE REMOVED FROM MY CREDIT REPORT ASAP : XXXXXXXX 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 2024-07-09 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: MI

Complaint narrative:
Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681

Company response to consumer: Closed with non-monetary relief