vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-01 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: CA

Complaint narrative:
Upon reviewing my credit report, I found what look like incorrect accounts that arent mine.

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 2024-11-01 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-01 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: NC

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : inquiries XXXX XX/XX/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 XXXX XXXX XXXXXX/XX/XXXX personal information Name : XXXX XXXX XXXX Employers XXXX XXXX XXXX Employers : XXXX XXXX  XXXX : EMPLOYED Employers : XXXX  Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NJ XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Previous Address XXXX es ) : XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX CT XXXX, NC XXXX XX/XX/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 2024-11-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
Two separate emails that are made to look like they originate from paypal. 

Email came from " XXXX '' XXXX stating I had a balance with XXXX XXXX. The first email said the balance was {$790.00} then it was updated to {$1300.00} A second email from " XXXX '' XXXX stating that I had a balance with XXXX XXXX XXXXXXXX amount was for {$890.00} the other for {$980.00}. 

They even include phone fraud phone numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 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: TX

Complaint narrative:
I greatly value the relationship I have with the following creditors and have consistently made on-time payments forsuch a long time.This isolated incident does not reflect my overall commitment to honoring my financial obligations, and I have since taken steps to ensure this will not happen again. 

Given my otherwise positive payment history, I kindly request that you consider removing this late payment from my credit report as a goodwill gesture. I believe this adjustment would better reflect my responsible credit behavior and would help improve my credit standing.

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 2024-11-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Valor Intelligent Processing, LLC
State: GA

Complaint narrative:
My debt with XXXX went to collections first with XXXX. XXXX and then with Valor Intelligent Processing. I made a settlement payment agreement with Valor Intelligent Processing in which I authorized automatic payments to draft from my person bank account on XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>. Valor Intelligent Processing failed to collect payment on XX/XX/year>. As a result, my debt was returned to XXXX and now I owe {$700.00} more than I settled for with Valor Intelligent Processing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: IL

Complaint narrative:
This Creditor sent me a letter stating that they have the car but has not ever resold it. More importantly its been 7 years and this should have been off my credit report. This car was bought in 2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 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: CA

Complaint narrative:
Today I spoke with XXXX XXXX XXXX XXXX  with XXXX XXXX  # XXXX He Explained to me that my account # XXXX was charge off XXXX XXXX and is XXXX  years and XXXX  months past due I explained to him that according to the Federal Financial Institutions Examination Council ( FFIEC ) and the Fair Credit Reporting Act ( FCRA ) credit card charge off s must be reported within 180 days from the date of the first delinquency that led to the charge off in this case to XX/XX/2017 I requested the delete of this account and other XXXX accounts of XXXX XXXX XXXXXXXX in the same situation with Experian and XXXX and they told me to call the Banks first ... ... .Please that accounts now are more than XXXX XXXX XXXX I request your help to be deleted ... ..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 2024-11-01 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: CA

Complaint narrative:
I am writing to formally request the blocking and deletion of specific accounts and inquiries on my credit report. As a victim of a data breach, I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have all unauthorized items removed immediately. 
Accounts to Be Blocked and Deleted : 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

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 2024-11-01 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: MO

Complaint narrative:
I see that Experian has attempted to fix the issues I have complained about and I'm thankful. I received mail that I will have attached below from Experian in reference to my XXXX account that they're reporting. I still see my experiences with XXXX are still showing on the report such as monthly payment, balance, recent payment, original amount, etc. According to the Fair Credit Reporting Act 15 USC 1681a-4, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy ''. 15 USC 1681a-exclusions, report containing information solely as to TRANSACTION or EXPERIENCES between the consumer and the person making the report. Privacy Act of 1974 it clearly states, No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I was XXXX  in XXXXXXXX XXXX XXXX and found that my account was used without my permission in XXXX of XXXX I called the bank and submitted a fraud complaint and the bank denied my claim when I was released a attempted to file another complaint and submitted a letter of XXXX  for the time I was XXXX  but my claim was still denied

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 2024-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I am submitting this formal complaint against Resurgent Capital Services, LP ( Resurgent ) concerning the handling of the alleged debt associated with account number XXXX. Despite documentation and an active fraud investigation by XXXX XXXX  along with the fraudulent judgement that was dismissed due to XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX failure to be present in court.Resurgent Capital Services, LP has engaged in what I allege to be improper and unlawful debt collection and credit reporting practices. Below, I outline 20 alleged violations under the Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and Gramm-Leach-Bliley Act ( GLBA ), each supported by case law. This letter serves as a formal demand for corrective action and statutory compensation as prescribed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
I made a application for a GM credit card thru Marcus or Goldman Sacks. I was told I did not qualify because of my credit. In the same e-mail they told me my credit score was XXXX I normally have good credit I own my home and XXXX cars XXXX a XXXX XXXX and a XXXX XXXX  they are both paid off My total debt at the time was {$650.00}. It is my opinion that my only problem is I am XXXX. When I call them they just say bad credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 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: FL

Complaint narrative:
am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. 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

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 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
To Whom It May Concern, In addition to the inaccuracies previously outlined, I am also disputing the erroneous reporting of the XXXX account on my credit report, which further violates the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards. Please review the following violations and update the records as required. This letter serves as an official demand for correction ; failure to act on these requests will result in escalated actions, including potential legal proceedings. 
XXXX Account ( Account Number : XXXX ) Duplicated High Credit and Credit Limit Values XXXX Equifax reports both " High Credit '' and " Credit Limit '' as {$3500.00}. This duplication is misleading and fails to comply with Metro 2 guidelines, which mandate accurate and distinct values in each field. Please correct or substantiate this data. 
Inconsistent Terms ( Months ) : Equifax incorrectly reports " XXXX '' months for the account term. For revolving credit accounts, " Terms '' should either be left blank or reflect the revolving nature. 
Please correct this field in accordance with Metro 2 standards. 
Conflicting Last Payment Dates : XXXX reports the " Date of Last Payment '' as XX/XX/year>, while Equifax and XXXX state XX/XX/year>. I request immediate verification and standardization of this date to meet compliance guidelines. 
Discrepancy in Last Reported Date : Different reporting dates appear for the same account XXXX ( XX/XX/year> ), Equifax ( XX/XX/year> ), and XXXX ( XX/XX/year> ). This lack of synchronization indicates negligence in maintaining accurate data. 
Inconsistent Comments Section : Each bureaus comments vary, showing : XXXX XXXX : " Account Was In Dispute - Now Resolved - Reported By Subscriber. '' XXXX  Equifax : " Credit Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : " Dispute Resolved ; Reported By Grantor. '' These discrepancies suggest that the bureaus are not uniformly updating records, violating the FCRAs requirement for accurate, complete, and verifiable data across all platforms.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-01 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: FL

Complaint narrative:
To whom this may concern After reviewing my consumer reports, I discover some inaccurate reporting of late payments on an account for which Ive always maintained on time payments. Consumer reporting agencies play a huge role in accurately reporting consumer information. it is imperative that this information be reported with upmost accuracy. Ive never missed a payment on my XXXXXXXX XXXX account ending in # XXXX. I requested through investigation into these descriptions and urge you to provide evidence such a statements demonstrating the lateness of these payments. if unable to furnish such proof, I demand these payment be properly updated as on time payment to reflect its true status is on time. I have consistently upheld my payment, obligations without delay. 

From late payments ( different months ) to wrong information reporting.

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 2024-11-01 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: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Subject : Notice of Civil Liability and Revocation of Authorization and Inquires Dear, XXXX, XXXX and Equifax I have tried to resolve this issue multiple times in reference to Inquiries being furnished on my consumer report but see my Federal Consumer Rights are being continued to be infringed upon. 

I am writing to formally address a matter regarding civil liability under 813 of the Fair Debt Collection Practices Act ( FDCPA ) and to notify you of my decision to revoke any authorizations previously given, under the Fair Credit Reporting Act ( FCRA ) and applicable federal protections.

Under 813 ( a ) of the FDCPA, any debt collector who fails to comply with any provision of the FDCPA is liable to the affected person for : Any actual damages sustained as a result of non-compliance ; and Additional damages as the court may allow, up to a maximum of {$1000.00} for individual actions.

In addition, per 15 USC 6802 of the FCRA, as a federally protected consumer, I am hereby opting out of any and all authorization I may have granted, whether in written, verbal, unwritten, or non-verbal form. 

Please consider this letter as formal notification of my decision to revoke all authorizations regarding my personal information. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 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: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Subject : Notice of Civil Liability and Revocation of Authorization and Inquires Dear, XXXX, Experian and XXXX I have tried to resolve this issue multiple times in reference to Inquiries being furnished on my consumer report but see my Federal Consumer Rights are being continued to be infringed upon. 

I am writing to formally address a matter regarding civil liability under 813 of the Fair Debt Collection Practices Act ( FDCPA ) and to notify you of my decision to revoke any authorizations previously given, under the Fair Credit Reporting Act ( FCRA ) and applicable federal protections.

Under 813 ( a ) of the FDCPA, any debt collector who fails to comply with any provision of the FDCPA is liable to the affected person for : Any actual damages sustained as a result of non-compliance ; and Additional damages as the court may allow, up to a maximum of {$1000.00} for individual actions.

In addition, per 15 USC 6802 of the FCRA, as a federally protected consumer, I am hereby opting out of any and all authorization I may have granted, whether in written, verbal, unwritten, or non-verbal form.

Please consider this letter as formal notification of my decision to revoke all authorizations regarding my personal information. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 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: CA

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items. 

Collection/Charge Off 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 response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc.
State: WI

Complaint narrative:
My Credit report is showing that I am delinquent on my mortgage house was paid in full in XXXX sold in XX/XX/XXXX. I reached out to credit bureau no answer left messages as well nothing. I also called Mr. Cooper loan company to ask why they directed me here. This is now affecting my chances to get a new home I need this taken care of as soon as possible I am furious. Keep in mine it is now XX/XX/XXXX  I sold my home in XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 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: AL

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with non-monetary relief