vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-26 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: EQUIFAX, INC.
State: KS

Complaint narrative:
I just recently looked at my Equifax credit report XX/XX/XXXX. I saw hard inquiries that did not have permissible purpose. I also attached evidence XXXX. XXXX XXXX XXXX  XX/XX/XXXX : this inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 168b XXXX. XXXX XXXX XXXX  XX/XX/XXXX : this inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 168b XXXX. XXXX XX/XX/XXXX : this inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 168b XXXX. XXXX XXXX XX/XX/XXXX : this inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX  XX/XX/XXXX : this inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 168b 5. XXXX XXXX XXXX  XX/XX/XXXX : this inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 168b

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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: FL

Complaint narrative:
I was shocked to find inaccurate accounts on my credit report this morning, and I have no idea how they got there. I checked my credit report as I normally do, but this time there were unexpected discrepancies. I even tried refreshing my browser, hoping it was just a glitch, but the inaccuracies remained. Because of this, I'm asking that the documents I've sent be thoroughly reviewed so I can stop worrying about this happening again.

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 2024-08-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have a fraudulent account on my credit report, which I reported it to BANK OF AMERICA, yet BANK OF AMERICA is not removing this fraudulent account. BANK OF AMERICA has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet BANK OF AMERICA has refused to do this. The following is the fraudulent account : BANK OF AMERICA/ 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 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
XXXX XXXX had a data breach which resulted in my identity being compromised there was a law suit and they denied me any funds from the law suit. When the results of this action clearly resulted in my identity being stolen.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Credit Sage LLC
State: CO

Complaint narrative:
I typed in on XXXX a collection agency that has one of my debts and I called the first number that popped up as it said they were the collection agency, that company did not identify themselves as a credit repair company named Credit sage, took down a credit card and my personal information before telling me that they were not the collection agency

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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: NJ

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 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 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I had a collection on my equifax with XXXX XXXX. I had paid in full and my account is settle and the balance is XXXX. I had file XXXX disputes with my receipt attached to all of them. XXXX had send the same receipt to Equifax explaining to them that the account is settle and paid in full. They refuse to remove the collection on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Titanium Funds
State: UT

Complaint narrative:
I am writing to provide an urgent update regarding my ongoing complaints against Titanium FundsXXXX XXXX XXXX XXXX XXXX numbers XXXX & XXXX. 

I have recently received the attached communication from the lender on XX/XX/year>, which I find to be extremely concerning and potentially unlawful. The language used appears to be a direct attempt at retaliation and coercion, in response to the complaints I have filed with your office. 

Additionally, I want to inform you that the lender attempted to charge my card for {$400.00} again today, despite my previous disputes and the open CFPB complaints. This appears to be a continued effort to unlawfully extract payments from me. 

Specifically, the lender 's actions may constitute violations of the following laws : XXXX. Fair Debt Collection Practices Act ( FDCPA ) : - The threatening language, demands for immediate payment, and attempts to charge my card without authorization could be considered abusive, unfair, and deceptive debt collection practices prohibited by the FDCPA. 
- The FDCPA prohibits debt XXXX from harassing, oppressing, or abusing consumers. 

XXXX. Retaliation for filing CFPB complaints : - The escalation of tactics, including the attempted unauthorized charge, shortly after I filed CFPB complaints suggests the lender may be retaliating against me, which is strictly prohibited. 

XXXX. Truth in Lending Act ( XXXX ) : - The lender 's vague references to " additional costs '' and " remedies '' XXXX constitute a failure to properly disclose the full terms and conditions of the credit agreement as required by XXXX. 

XXXX. Potential breach of contract : - If the lender is threatening actions that go beyond the original credit agreement, such as imposing undisclosed fees or attempting unauthorized charges, that could be considered a breach of contract. 

XXXX. Potential violation of state consumer protection laws : - The lender 's tactics may also violate applicable state-level consumer protection laws prohibiting unfair, deceptive, or abusive practices. 

I believe this communication from the lender, along with the attempted unauthorized charge, constitutes retaliation for my having filed complaints with the CFPB. I am deeply concerned that they may attempt to take further adverse actions against me if your office does not intervene promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
. I formally request validation and verification of this alleged debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Please provide me with the following information : 1. Assignment Contract : A complete copy of the assignment or purchase agreement between your agency and the original creditor, showing that you have the legal authority to collect on this debt.

2. Original Creditor Information : The name and address of the original creditor, as well as the original account number.

3. Detailed Accounting : A full and detailed accounting of the alleged debt, including a breakdown of all charges, fees, and interest added to the account after it was allegedly assigned to you.

4. Proof of Ownership : Evidence that the debt was sold or transferred to you, including any documents demonstrating that the original creditor transferred rights to collect this debt to your agency.

5. Verification of Accuracy : Documentation showing the accurate amount of the debt and the validity of the debt as required by law. This includes all statements or billing records that reflect the original balance and all payments made.

6. Affidavit of the Debt : A sworn affidavit from an authorized agent of your agency attesting to the accuracy of the debt and your legal right to collect. This request is not only for verification but also to ensure that you are compliant with the FDCPA and that my rights as a consumer are protected. I expect a timely response within the 30-day period as prescribed by law. Please note that I am specifically requesting this information be sent directly to me and not processed through any automated dispute systems, such as e-OSCAR. It is imperative that you provide the exact documentation as requested above. If your agency can not provide the requested information, you are required by law to cease collection efforts and notify all relevant credit bureaus to remove any reference to this alleged debt from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CHARLES SCHWAB CORPORATION, THE
State: WA

Complaint narrative:
I am not aware that I am being charged for something that I did not purchase, please go thorugh my report and vaerify all the information

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX, XXXX # XXXX - BALANCE {$2200.00} Account Name : XXXX  XXXX # XXXX BALANCE {$0.00} Account Name : XXXX # XXXX XXXX {$0.00} Account Name : XXXX # XXXX BALANCE {$0.00} Account Name : XXXX # XXXX BALANCE {$0.00} Account Name : XXXX XXXX # XXXX BALANCE {$0.00} Account Name : XXXX XXXX XXXX # XXXX BALANCE {$1700.00} Account Name : XXXX XXXX XXXX # XXXX - BALANCE {$0.00} Unauthorized inquiries XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My account with TransUnion was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TransUnion Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

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 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have my credit frozen with Experian, XXXX, and XXXX. I have had it frozen since 2016. Today, I attempted to login to Experian to review my credit freeze, request my annual credit report, and submit a fraud alert on my credit and am unable to access my account. I am able to login to XXXX and XXXX, but not Experian. When I attempt to obtain my user name, the credit agency says my birthday and ssn do not match. Attempting to reset my password using my email address results in a failure authenticating my phone number. Attempting to create a new account results in " technical difficulties '' error. Calling Experian support results in a bot advising me to visit the website or receive mailed instructions, but no support via a human is possible. I am not able to unfreeze my credit without access to this account, and this is a problem obviously if I wanted to apply for a loan. I have read that Experian accounts are vulnerable to hacking, and I am concerned that this is the case with my account. Please help me regain access to my credit and consumer account with Experian, and force them to improve their security. 
XXXX XXXX XXXXXXXX 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 2024-08-26 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: AL

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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 shalli ) 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. 



Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$2100.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( 9 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( 9 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name 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 2024-08-26 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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S. Code 1681e - Compliance procedures ( B ) 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 section 605B it is illegal to report information on my credit report without my permissionn please remove this off my credit report thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 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: FL

Complaint narrative:
I write to advise that my XXXX XXXX XXXX XXXX  all contain inaccurate and missing payment, balance, notice of disputes, fatally false date of first delinquency and other mandatory data which is missing from my credit reports as set forth in the attached XXXX credit reports. 

I am the prevailing party in arbitration and court litigation for which XXXX  claims have been extinguished under the Two-Dismissal Rule XXXX of Federal Rules of Civil Procedures further automatically staying and barring relitigation and presenting balances above {$0.00} as {$0.00} is owed. 

I have attached copies of inaccurate and incomplete missing payment and balance data which must be presented to XXXX for investigation in detail without providing a meaningless XXXX digit code. 

I request that Experian process this dispute, advise Furnisher and other CRAs of the dispute and perform the request investigation which would include hundreds of pages regarding the specific XXXX XXXX extinguishment.

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 2024-08-26 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: FL

Complaint narrative:
I write to advise that my XXXX XXXX XXXX XXXX  all contain inaccurate and missing payment, balance, notice of disputes, fatally false date of first delinquency and other mandatory data which is missing from my credit reports as set forth in the attached XXXX credit reports. 

I am the prevailing party in arbitration and court litigation for which XXXX  claims have been extinguished under the Two-Dismissal Rule XXXX of Federal Rules of Civil Procedures further automatically staying and barring relitigation and presenting balances above {$0.00} as {$0.00} is owed. 

I have attached copies of inaccurate and incomplete missing payment and balance data which must be presented to XXXX for investigation in detail without providing a meaningless XXXX digit code. 

I request that Experian process this dispute, advise Furnisher and other CRAs of the dispute and perform the request investigation which would include hundreds of pages regarding the specific XXXX XXXX extinguishment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX -BALANCE- {$390.00} Account Name : XXXX XXXX XXXXXXXX -BALANCE- {$9400.00} Account Name : XXXX XXXX # XXXX -BALANCE- {$21000.00} Unauthorized inquiries 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 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 2024-08-26 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXXXXXX -BALANCE- {$390.00} Account Name : XXXX XXXX XXXXXXXX -BALANCE- {$9400.00} Account Name : XXXX XXXX # XXXX -BALANCE- {$21000.00} Unauthorized inquiries XXXXXXXX XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>

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