vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-30 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: MO

Complaint narrative:
I am writing to formally request that you block and delete all accounts listed below, as I am a victim of a recent data breach. This request is made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), which protect consumers in cases of identity theft and unauthorized use of their personal information. 
Please find below the accounts and inquiries associated with this data breach : Accounts : XXXX. XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$980.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$980.00} XXXX. XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$29.00} XXXX. XXXX XXXX CO Account Number : XXXX Date : XX/XX/XXXX Amount : {$1500.00} XXXX. XXXX XXXX CO Account Number : XXXX Date : XX/XX/XXXX Amount : {$560.00} XXXX. XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$260.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$630.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$980.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$680.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$160.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$680.00} XXXX. XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$30.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$160.00} Inquiries : XXXX XXXX : XX/XX/XXXX XXXX  : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX  : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX Bank account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2024-10-30 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: AL

Complaint narrative:
I have spotted mistakes on my credit report regarding 15 USC 16c-2. The inquiries present were not authorized by me, and this incorrect data is affecting my credit negatively. Please remove all unauthorized hard inquiries. Thank you!

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 2024-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I recently submitted a letter regarding the inaccuracies and unfamiliar items on my credit report, but it's now been over XXXX  days, and I haven't received any response. This lack of action is really concerning. According to Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), youre required to investigate disputed items within XXXX  days, and if you don't, those items must be removed from my report. 

Since it's been more than XXXX days, I expect my credit report to be updated immediately, reflecting the removal of the disputed accounts. If this isn't resolved quickly, XXXX have no choice but to consider legal action, as this ongoing delay has caused me considerable stress. 

Additionally, I was affected by the Equifax, XXXX, and XXXX data breaches, which makes me even more worried about how my personal information is being handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 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: NV

Complaint narrative:
I noticed accounts listed on my credit report that is not accurate or may belong to someone else.

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 2024-10-30 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: AL

Complaint narrative:
I've located errors on my credit report tied to 15 USC 16c-2. The inquiries recorded were not approved by me, and this incorrect information is hurting my credit. Please erase all unauthorized hard inquiries. Thank you!

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 2024-10-30 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: MS

Complaint narrative:
I submitted a DISPUTE to Equifax. This DISPUTE pertains to my OPEN Credit Card Account with the XXXX XXXX XXXX ( See Attachment XXXX -- EQUIFAX ACCOUNT ). I disputed this Account to get the { CREDIT LIMIT } information UPDATED from {$8200.00} to {$9300.00}. Instead of UPDATING this Account Information, Equifax has DELETED the ENTIRE Account from my Equifax Credit Report ( See Attachment XXXX DISPUTE RESULTS ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 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: MD

Complaint narrative:
The inaccuracies on my credit report are severely restricting my financial freedom. Due to these errors, I am consistently facing rejections on new credit applications, which is both frustrating and unjust. It is deeply concerning that my consumer rights are being disregarded in this way.

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 2024-10-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: GA

Complaint narrative:
On the morning of XXXX XX/XX/year> I received a notification from XXXX that a collection had been reported to my credit report by I.C. SYSTEM, INC. 
XXXX I.C. SYSTEM, INC Address XXXX  XXXX, MN XXXX Phone number ( XXXX ) XXXX I immediately contacted XXXX to dispute the debt as was assured XXXX years ago by a customer service XXXX at XXXX that the charge amount of {$330.00} had been forgiven because the original creditor XXXX had charged me a full month after I had canceled my subscription. The collection agency claims they texted me in XX/XX/year> about my debt. I told the representative that an initial dunning letter is what is required by law to allow me XXXX  days to dispute the validity of the debt and that any electronic communication without my consent is illegal and probably would have been ignored by me because I don't have any creditors that would've communicated with me regarding an outstanding debt via text message. I further exclaimed that I demand they remove this debt from credit report immediately the rep refused, I obtained the inhouse reference number associated with the debt of 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 2024-10-30 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: VA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

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 2024-10-30 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:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history.

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 2024-10-30 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: IL

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history.

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 2024-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In XXXX of 2024, I was reviewing my credit report and noticed that XXXX was reporting an account as a student loan when it wasn't from the university XXXX XXXX  I filed a dispute to have this information corrected. During the process, I looked over my XXXX report and Experian for any inaccuracies. My XXXX report for XX/XX/year>2024, was not reporting university XXXX XXXX  student loans accounts at all. During the investigation the company ( university XXXX XXXX  ) decided that they were going to report the inaccurate information to the other two credit companies ( XXXX and Experian ). I called the company to inform them that they reported these accounts as collections when I have legal documentation from the courts with the company information on it to where the courts sent the bankruptcy information to and when. The University XXXX XXXX  student loan department stated they did not receive the information. I sent them the paperwork via email as proof. The company stated they were going to remove the accounts. XXXX did the investigation and only updated the information to " included in bankruptcy ''. My credit report is still 3 years ' worth of reported collection/ not paid information on my credit report. It's not fair to me to constantly file disputes for inaccurate information. 



Updated to previous response : XX/XX/year>2024 I received an alert from Experian regarding the dispute I filed concerning the reference accounts listed above. They did not take any action on these accounts. I pay monthly to have my report monitored and to ensure that any inaccuracies are addressed properly. The report stated that there would be no changes, yet my credit score dropped by XXXX points! If nothing has changed, how can my score drop so significantly? I reviewed my entire report and found no new accounts, updates, or collectionsabsolutely nothing has changed. Once again, this information is inaccurate, and the company falsely certified its correctness despite receiving proof that it was part of a bankruptcy. They still attempted to collect money from me. This doesnt make any sense. I have also attached proof to this complaint. If proper action is not taken, I will have to start legal action.

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 2024-10-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc.
State: OH

Complaint narrative:
On XXXX/XXXX/24, I made a payment in the amount of {$340.00}. {$250.00} was credited toward the principal amount, and {$95.00} was credited toward interest. Upon payment on XX/XX/year>24, the interest held on my account was {$0.00}. 

On XX/XX/year>24, I received Exhibit A which indicated that forbearance was set to end on XX/XX/year>24 and that would {$200.00} deducted from my account on XX/XX/year>24. I received no prior notification that my account was placed into forbearance and this amount was not deducted. 

On XX/XX/year>24, I received Exhibit B which indicated that my account was placed into forbearance and that the interest rate would be set to 0 %. 

Exhibit C dated XX/XX/scrub>/24 shows that the unpaid interest held on account was {$9.00} and that {$200.00} would be deducted from my account on XXXX/XXXX/24. 

On XX/XX/scrub>/24, I received Exhibit D which indicated that {$200.00} would be deducted from my account on XX/XX/year>24. This amount was not deducted. 

On XX/XX/year>24, I received Exhibit E which indicated unpaid interest held on the account to be {$100.00} and that {$200.00} would be deducted from my account on XX/XX/year>24. This shows that interest continued to accrue even though Advantage indicated that my account was in forbearance during this time and the amount was not deducted from my account. As of XX/XX/year>24, I have received no additional statements from Aidvantage. 

On XX/XX/year>24, I received Exhibit F, which indicated that forbearance was set to end on XXXX/XXXX/24 and that {$200.00} would be deducted from my account on XX/XX/scrub>/24. This amount was not deducted. 

On XX/XX/scrub>/24, I received Exhibit G which indicated {$190.00} of unpaid interest held on my account. On XX/XX/scrub>/24, I received Exhibit H which indicated that my account was placed into forbearance and that interest rates were set to 0 %. 

On XX/XX/year>24, I received Exhibit I which indicated that the 0 % interest rate reduction was completed on XX/XX/year>24. 

As of XX/XX/scrub>/24, according to Aidvantage, the unpaid interest held on my account is {$190.00}. I have spoken to Aidvantage numerous times regarding the incorrect accrual of interest during the forbearance, and I have requested the amount be corrected on numerous occasions with no success. Currently, my loans are shown to be in Administrative Forbearance until XXXX/XXXX/24.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
The issue started in 2023 Comenity took over Dell Payments ( never ever had an issue with them ) and never sent any statements and I could not access my account. I also have a Sephora account through Comenity. When I called them to get access to my Dell account they told me that will have to issue me a new card because even though they took over Dell they can't switch the account. Then they incorrectly closed the Sephora account by setting up a new account and then didn't send me that and when I could not access the Sephora account had to go through hoops to get them to reissue a new card and all this time they still had not set up the new Dell account so I could make payments. It was five months of this back and forth. Finally they corrected everything but have been behind ever since. Every time I get somewhat current they're hitting me with another late fee and are calling me up to 9-10 times a day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NE

Complaint narrative:
This company is still putting on fraudulent information into my locked, Frozen and fraud alerted credit files. The credit bureaus delete it for not relating to me and these people go in and reinsert it again. They're not verifying anything and then they threaten and attempt legal action against a vulnerable individual without so much is even attempting to verify anything. These accounts are fraudulent. They were a result of identity theft. How hard is it to verify my proof of residence where I have lived for the last 5 years? Instead they add fraudulent phone numbers, fraudulent addresses in fraudulent accounts to my credit files that I have to dispute over and over and over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 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: MO

Complaint narrative:
I am writing to formally request that you block and delete all accounts listed below, as I am a victim of a recent data breach. This request is made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), which protect consumers in cases of identity theft and unauthorized use of their personal information. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: IA

Complaint narrative:
XXXX XXXX XXXX Iowa XXXX XXXX XXXX XXXX XXXX XX/XX/year> JEFFERSON CAPITAL SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX To whom this may concern I have recently pulled my credit report and noticed that there is a collection listing from your agency. I have never been notified of this collection action or that I owed the debt. This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt. Agreement that bears signature of the alleged debtor with promises to pay the original creditor. Complete payment history on this account, to prove that the amount you wish to collect is correct. 
1,038 I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company. 1, d289 Sincerely XXXX XXXX

Company response to consumer: Closed with explanation