vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-08 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 am writing to formally dispute an alleged late payment reported on my account. This late payment was reported by XXXX XXXX XXXX for account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX account number XXXX to your agency. 
( XXXX, XXXX, Equifax ) and I believe that the entry is inaccurate, The payment in question is identified as } late but I do not believe that the creditor has followed the legal requirements to report it as such under the fair Credit reporting Act ( FCRA ) and related laws Legal Basis for Dispute : Under 15 U.S. Code 1681a ( 2 ), the term " consumer report " does not include reports that solely contain information regarding transactions or experience between a consumer and the person making the report. As such, any transaction or experience between myself and the company regarding this account should not be included in my consumer credit report. 

U.S Code 1681 a ( 2 ) ( A ) ( i ), 1666b, and 1637 ( b ), the information reported to the credit bureau is invalid, and there is no basis for it to remain on my credit report.

Request for action If USAA can not provide the necessary proof of mailing or delivery of the required information, i request that the late payments and charge offs be deleted from my credit report. Failure to do so will be considered a violation of US code 1681s-2, which prohibits the reporting of inaccurate or unverifiable information.

I respectfully request that you take the appropriate action to remove the inaccurate late payment entry from my credit report within 10 calendar days of receiving this notice. 
Late Payments in XXXX : XXXX XXXX current. 
Thank you for your prompt attention to this matter. i look forward to your response and consideration that the disputed late payment entry has been removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This is my final demand Experian has violated several rights of the FCRA by keeping this inaccurate information on my credit report and not removing it. I have attached proof of all three-credit agency and the inaccurate information hosted!!!! THIS IS MY THIRD AND FINAL DISPUTE AND I DEMAND THAT EXPERIAN REMOVE THESE ACCOUNTS EFFECTIVE IMMEDIATELY!!!!!!

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 2024-12-08 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: SC

Complaint narrative:
I am just trying to get the information that is on my consumer report removal. I have dealing with this for many years. Going back and forth so all I want to do is remove incorrect information.

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 2024-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX was paid in full for my accounts. After identity theft charges appeared, they did nothing to protect my account, my cards were maxed out by the person that stole my identity, and XXXX XXXX refuses to remove the charges from my credit report even tho I have sent them an FTC report, Police Report and have disputed the information with XXXX multiple times

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 2024-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX was paid in full for my accounts. After identity theft charges appeared, they did nothing to protect my account, my cards were maxed out by the person that stole my identity, and XXXX XXXX refuses to remove the charges from my credit report even tho I have sent them an FTC report, Police Report and have disputed the information with XXXX multiple times

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX was paid in full for my accounts. After identity theft charges appeared, they did nothing to protect my account, my cards were maxed out by the person that stole my identity, and XXXX XXXX refuses to remove the charges from my credit report even tho I have sent them an FTC report, Police Report and have disputed the information with Experian multiple times

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 2024-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Army and Air Force Exchange Service
State: NC

Complaint narrative:
Dear CFPB, I am filing a formal complaint against the Army & Air Force Exchange Service and the U.S. Department of Treasury Bureau of Fiscal Service for violations of my consumer and due process rights in their attempt to collect an alleged debt. 
The notice I received on XXXX XX/XX/year>, failed to properly inform me of my right to request a hearing to dispute the debt, as required by 31 CFR 285.11. It also lacked sufficient information about how the debt was calculated and failed to clearly outline how the timeline for garnishment aligns with my rights to dispute.

Additionally, I never received a 1099-C ( Cancellation of Debt ) for this account, as required under IRS regulations , if the debt was canceled or forgiven. This raises concerns about the legality of the ongoing collection effort and whether federal reporting laws have been followed.

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 2024-12-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: NJ

Complaint narrative:
Hi, I recently received notification that my credit score dropped by XXXX points, from XXXX to XXXX, due to a derogatory mark associated with a {$360.00} collection from your company. This has come as a shock, as I have always paid my bills on time and maintained a high credit score for years. 

Upon further investigation through XXXX, I found that the debt in question originates from XXXX XXXX XXXX I contacted XXXX, and their agent confirmed that the account in question is under XXXX XXXX XXXX, associated with the address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX The billing name, email, and payment information all belong to him, not me. I believe this is a clear case of human error. Just to make it clear, I am not a U.S. citizen, and when I left the U.S. in XX/XX/year>, I explicitly requested to close the account. The agent spoke with XXXX XXXX and transferred the account, but all bills, credit card payments, and emails were still under his name, not mine. 

You can verify this information by speaking with XXXX  directly. The agent I spoke with confirmed that the email and billing details are under XXXX XXXX ' name, and you may contact him for further information at ( XXXX ) XXXX. 

I recently returned to the U.S. after living abroad for four years and have been back for just over a year. This unexpected and inaccurate collection is causing me significant distress, and I kindly request your immediate assistance in resolving this matter. 

Please contact me via email at XXXX or by phone at ( XXXX ) XXXX. I currently reside in New Jersey and can provide additional documentation if needed. 

Thank you for your attention to this matter. 

Best regards, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX acct XXXX XXXXXXXX Open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

I sent a letter on XX/XX/year>, asking them to reinvestigate XXXX XXXX XXXX acct XXXX XXXXXXXX I got the investigation back, but nothing was updated or modified. 

So I requested a description of the reinvestigation and they did not provide me with one which is a violation of 15 USC 1681 i ( 7 ).

They also violated 15 USC 1681 i ( 5 ).

Please look into this matter.

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 2024-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried registering online at my.equifax.com numerous times. after a fill out all needed information in application. It brings me to a page saying ; " Please give us a call We can't complete your request at this time. Please call the Customer Care team and mention error code XXXX. '' So then I gave customer service a call. The phone operator informed me to mail specific documents. So told me to mail a copy of government ID or driver license and the provide a a copy of social security card and then provide a cover letter talking about issue I want resolved. After I mail that the issue should be resolved. Then asked how will you guys contact me or notify me when is issue is resolved are in the process of being resolved. I said should I provide email or phone number she said no. I said how will I know if documents got to thecompany or if you resolved the issue or not. She said just send the documents and you should be good and issue resolved. She Then provided this address to mail documents to Equifax Information Services, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. Documents have been mailed but issue not resloved yet. I've been hearing many other complaints from other consumers online with similar issue I'm having about mailing needed to documents that equifax request to resolve the issue and get your account back and see credit score again but nothing has been done after other consumers mail documents to equifax many weeks to months later. Also many complaints about numerous phone calls given issue still not being resolved. I heard from many other customers easiest and fastest way to resolve issue is to a file CFPB complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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: GA

Complaint narrative:
On or around XX/XX/year>, I submitted a written request to XXXX to report the most up to date information about my loan statuses to all three credit report agencies. No changes have been applied my credit reports and I have not received a response from XXXX. XXXX stopped reporting to all three credit reporting agencies in XX/XX/year>. I have made several payments that are not reflected.

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 2024-12-08 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:
On or around XX/XX/year>, I submitted a written request to XXXX to report the most up to date information about my loan statuses to all three credit report agencies. No changes have been applied my credit reports and I have not received a response from XXXX. XXXX stopped reporting to all XXXX  credit reporting agencies in XX/XX/year>. I have made several payments that are not reflected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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: GA

Complaint narrative:
On or around XX/XX/year>, I submitted a written request to XXXX to report the most up to date information about my loan statuses to all XXXX  credit report agencies. No changes have been applied my credit reports and I have not received a response from XXXX. XXXX stopped reporting to all XXXX  credit reporting agencies in XX/XX/year>. I have made several payments that are not reflected.

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 2024-12-09 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XX/XX/XXXX Experian Dispute Department XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Removal of Fraudulent Credit Inquiries Due to Identity Theft Dear Experian Dispute Department, I am writing to formally dispute several fraudulent inquiries that have appeared on my credit report. I am a victim of identity theft, and I did not authorize these inquiries. Below is a list of the unauthorized inquiries that need to be removed from my credit report : XXXX XXXX XXXX  ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) I have included the following documentation to support my claim : A copy of my government-issued ID. 
A copy of a recent utility bill or bank statement for address verification.

A copy of the police report or FTC Identity Theft Report.

These inquiries were made without my authorization, and I believe they are the result of fraudulent activity. I kindly request that you investigate this matter, remove these inquiries, and provide me with written confirmation of the resolution. 

Please let me know if additional information is required. I can be reached at XXXX or XXXX. 

Thank you for your prompt attention to this matter. 

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 2024-12-08 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX I am writing to dispute inaccurate information reported on my consumer report under the above-referenced account. This complaint serves as a formal request under the Fair Credit Reporting Act ( FCRA ) to remove the following inaccuracies : 1. Date Opened : XXXX reports the date as XX/XX/year>, while Experian and XXXX list it as XX/XX/year>. XXXX. Last Reported Date : Each bureau has a different date : XXXX ( XX/XX/year> ), Experian ( XX/XX/year> ), and XXXX ( XX/XX/year> ). XXXX. Payment History : XXXX and Experian incorrectly report 60-day late payments for XXXX and XX/XX/year>, while XXXX reports only 30 days late. I contest these as inaccurate. 4. Date of Last Payment : XXXX reports the last payment date as XX/XX/year>, while the others list XX/XX/year>. Under the FCRA Section 607 ( b ), credit reporting agencies are obligated to ensure maximum possible accuracy of the information reported

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 2024-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
I have a checking account with chase bank and recently discovered they have been charging my account a monthly service fee of {$4.00} each month for years despite meeting the requirements for the {$0.00} service fee. 

When approached with this issue, Chase has refused to issue a refund of the fees that occurred past 90 days prior. This is theft

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I am filing a formal complaint regarding Ally Banks failure to provide the necessary lien release for my fully paid-off auto loan and the inconsistent and unprofessional customer service I have experienced while attempting to resolve this issue. This is in regards to a XXXX XXXX XXXX. XXXX XXXX. I paid off my auto loan with Ally Bank around XXXX. Despite fulfilling my financial obligation, Ally has failed to confirm or provide the required XXXX release. 
2. On XX/XX/XXXX, I contacted Ally Bank, and they initially claimed they could not locate my account without my VIN. 
3. Upon providing my VIN during a follow-up call, I was told that my account had allegedly been sent to collections. However : No proof of this claim has been provided. 
The representative could not confirm how much was owed or provide supporting documentation. 
No collections activity has ever appeared on my credit report, nor have I received any delinquency notices. 

This delay and lack of clarity have caused significant inconvenience and prevented me from resolving my vehicles title with the Michigan Secretary of State.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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: AR

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX AR XXXX XXXX : XX/XX/XXXX SSN : XXXX To : Resurgent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX RE : Disputed Account - Notice to Furnisher Ref # XXXX Dear Sir or Madam : I previously notified you that I am a victim of identity theft, and requested that you do the following : 1. Close the unauthorized account 2. Remove any charges on the unauthorized account, and 3. Take steps to remove information about this account from my credit file I still have not received written confirmation of these actions. 

As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. 

Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 

I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15U.S.C. 1681s-2 ( a ) ( 1 ) ( B ).

I ask that you take these steps as soon as possible 1. Close the unauthorized account 2. Remove any charges on the unauthorized account, and 3. Take steps to remove information about this account from my credit files. 

I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 

Please send me a letter explaining your findings and actions. Email Me @ ( XXXX ) XXXX send to the address above. I am a victim of identity theft, and I am writing to dispute the following fraudulent charges on my account. 

Sincerely, XXXX XXXX Enclosures : a. FTC Identity Theft Report b. Proof Of Identity c. Notice Of Furnishers Of Information

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX ACCT. NUMBER XXXX DATA BREACH OCCURRED, IDENTITY THEFT

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