vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-06 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: GA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX see the attached 1099c has violated my rights.

I looked at my Equifax credit report 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been disputing the following errors with Experian for 283 days and sent them over 13 letters, with no resolution. They have failed to provide valid proof of debt, investigation results and/or correct the inaccuracies on my report : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) - Unverified account. Please UPDATE to never late. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) - Unverified account. Please DELETE this account from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) - Unverified account. Please DELETE this account from my report. 

XXXX XXXX XXXX XXXX - Incorrect address. Please DELETE this address from my report. 

XXXX XXXX - Incorrect name. Please DELETE this name from my 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 2024-11-06 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:
It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for accounts XXXX XXXX pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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: CA

Complaint narrative:
RE : XXXX University XXXX RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. 

As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 

Account : XXXX XXXX XXXX Months and Years of Late Payments : As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I am filing a complaint regarding a collection account on my credit report for an alleged debt that I do not recognize and should not be held responsible for. Can't stress enough on how frustrating and debilitating this is, you wake up one day and to your surprise you have a debt you know nothing about, unverified and that simply just isn't yours. This account is causing unnecessary damage to my credit, and I am disputing its legitimacy.

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 2024-11-06 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: NC

Complaint narrative:
I am writing to notify you of a serious issue concerning the compromise of my Social Security number. I am a victim of identity theft. I have reported this incident to the Federal Trade Commission, and a copy of the filed complaint is attached for your reference. I request that you immediately block and delete all fraudulent information from my credit report and provide me with an updated copy of the report. The following item was opened fraudulently and is not authorized by me : Account : ( XXXX  Account Number : XXXX ) Inquiries : ( XXXX XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX XXXX XX/XX/XXXX ) In accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and remove this fraudulent item within XXXX BUSINESS DAYS of receiving this request. If you fail to act appropriately, I will be forced to pursue a small claims lawsuit against your agency. I will be seeking statutory damages of {$1000.00} for each violation, which may include but are not limited to the following : XXXX. Defamation of character XXXX. Negligent facilitation of identity fraud XXXX. Violations of the Fair Credit Reporting Act XXXX. Civil liability for negligent non-compliance ( 15 U.S.C. 1681o ) XXXX. Civil liability for willful non-compliance ( 15 U.S.C. 1681n ( b ) ) XXXX. Failure to comply with 15 U.S.C. 1692 ( g ) XXXX. Violations under 15 U.S.C. 1681b Permissible purposes of consumer reports XXXX. Violations of the method of verification ( 15 U.S.C. 1681i ( 7 ) ) 9. Right to privacy violations ( 15 U.S.C. 1681a ( 4 ) ) 10. Violations relating to the contents of consumer reports ( 15 U.S.C. 1681c ) I take this matter very seriously and demand immediate action to block and remove this fraudulent account from my report. I expect to receive an updated copy of my credit report sent to my address at no cost to me, as required by law. Additionally, I request that you notify any recipients of my credit report in the past six months of this correction. 

Thank you for your immediate attention to this matter. I look forward to your swift response.

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 2024-11-06 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: TX

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Transunion credit report on XX/XX/year> 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 2024-11-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, my consumer rights have been violated. 15 U.S.C 1681 section 604 A. States I have the right to privacy. 15 U.S.C. Section 1681 604 Section 2 : also states a consumer reporting agency can not furnish an amount without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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: AL

Complaint narrative:
Subject : Formal Demand for Removal of Fraudulent Credit Information To Whom It May Concern, I am writing to demand immediate action regarding fraudulent entries on my credit report. My personal information was illegally compromised on the dark web, leading to unauthorized transactions and the creation of accounts without my consent. 

Pursuant to 12 C.F.R. 1022.142, I am entitled to have these illegitimate entries removed from my credit history. Enclosed, you will find supporting documentation that underscores the urgency and legitimacy of my request. 

The following entries are fraudulent and must be expunged from my credit report : XXXX XXXX XXXX THIS IS NOT MY ACCOUNT XXXX XXXX XXXX XXXX THIS IS NOT MY ACCOUNT XXXX XXXX XXXX THIS IS NOT MY ACCOUNT XXXXXXXX XXXX XXXX  XXXX THIS IS NOT MY ACCOUNT XXXX XXXX XXXX XXXX THIS IS NOT MY ACCOUNT XXXX XXXX XXXX XXXX THIS IS NOT MY ACCOUNT XXXX XXXX XXXX THIS IS NOT MY ACCOUNT XXXX XXXXXXXX THIS IS NOT MY ACCOUNT XXXX XXXX XXXX THIS IS NOT MY ACCOUNT XXXX XXXX XXXX THIS IS NOT MY ACCOUNT XXXX XXXX XXXX THIS IS NOT MY ACCOUNT The presence of these inaccuracies has caused significant distress and potential harm to my creditworthiness. I expect prompt attention to this matter and the removal of these entries within the legally mandated timeframe. 

Failure to address this issue satisfactorily will compel me to explore all available legal remedies to ensure the protection of my rights. 

I anticipate your immediate cooperation and confirmation of the removal of these fraudulent entries. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 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: AL

Complaint narrative:
Subject : Formal Demand for Removal of Fraudulent Credit Information To Whom It May Concern, I am writing to demand immediate action regarding fraudulent entries on my credit report. My personal information was illegally compromised on the dark web, leading to unauthorized transactions and the creation of accounts without my consent. 

Pursuant to 12 C.F.R. 1022.142, I am entitled to have these illegitimate entries removed from my credit history. Enclosed, you will find supporting documentation that underscores the urgency and legitimacy of my request. 

The following entries are fraudulent and must be expunged from my credit report : XXXX XXXX XXXX THIS IS NOT MY ACCOUNT XXXX XXXX  XXXX XXXX THIS IS NOT MY ACCOUNT XXXX XXXX  XXXX THIS IS NOT MY ACCOUNT XXXX XXXX XXXX  XXXX THIS IS NOT MY ACCOUNT XXXX XXXX XXXX XXXX THIS IS NOT MY ACCOUNT XXXX XXXX XXXX XXXX THIS IS NOT MY ACCOUNT XXXX  XXXX XXXX THIS IS NOT MY ACCOUNT XXXX  XXXX THIS IS NOT MY ACCOUNT XXXX XXXX XXXX THIS IS NOT MY ACCOUNT XXXX XXXX XXXX THIS IS NOT MY ACCOUNT XXXX XXXX XXXX THIS IS NOT MY ACCOUNT The presence of these inaccuracies has caused significant distress and potential harm to my creditworthiness. I expect prompt attention to this matter and the removal of these entries within the legally mandated timeframe. 

Failure to address this issue satisfactorily will compel me to explore all available legal remedies to ensure the protection of my rights. 

I anticipate your immediate cooperation and confirmation of the removal of these fraudulent entries. 

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 2024-11-06 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: MD

Complaint narrative:
XXXX, Transunion, and XXXX continue to report invalidated information on my credit report without sending me doucments to validate the debt or documents that indicate the methods used to verify each account. These companies are using deceptive practices in order to coerce me into paying on debts I do not owe.

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 2024-11-06 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: MD

Complaint narrative:
XXXX, XXXX, and Equifax continue to report invalidated information on my credit report without sending me doucments to validate the debt or documents that indicate the methods used to verify each account. These companies are using deceptive practices in order to coerce me into paying on debts I do not owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 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: IL

Complaint narrative:
I recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts and information to my credit repo. These inaccuracies have been detrimental to my life and credit health

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MO

Complaint narrative:
USAA reported that the account was closed several months prior to when the account was paid in full. I did get behind, but did get payments caught up and continued paying more than the required minimum payment for several months before paying the account off early. USAA is reporting the account as closed several months before the account was paid in full.

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 2024-11-06 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: PA

Complaint narrative:
To my complete shock, I discovered incorrect accounts on my credit report this evening, and I cant understand how this could have happened. I routinely check my credit report, and Ive never seen anything like this before. I refreshed my browser, hoping it was just a glitch, but the errors didnt go away. Im now requesting that the documents I submitted be carefully examined to avoid any future issues like this.

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 2024-11-06 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: PA

Complaint narrative:
I was shocked and confused to see inaccurate accounts on my credit report tonight, with no explanation as to why theyre there. I check my report regularly, and this has never happened before. I even refreshed my browser, thinking it was an error, but the discrepancies remained. Due to this, Im asking that the documents I provided be reviewed with care so that I dont have to worry about this happening again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking, and the information listed below, which appears on my credit report, is a result of that trafficking.

Please block the following information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I would also appreciate receiving notification of the actions taken. 

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 XXXXXX/XX/XXXX Thank you for your prompt attention to this matter. Please find my proof of identity and trafficking documentation enclosed. 

Sincerely, XXXX XXXX Enclosures : Proof of identity Trafficking Documentation

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 2024-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
XXXX  XXXX XXXX tol ; d me that someone use my account number and routing number to make ach payment to american express serveral times ive never have had american express ive cintacted american express they said they need account num`ber whi`ch i dont have so what to do does amrican express get to keep the XXXX dollars that was fraudenly taken out o9f my account my bank cant do bnothing cause transactionb is over year old and if american express is not verifiny account onwership befor withdrawing funds that can be an issue can they please refund my money im on disability have no way of making anymore since my accidet for i have tbi and other medical issuse and that money was to last for the rest of my life

Company response to consumer: Closed with explanation