vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-22 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: CA

Complaint narrative:
According to The Fair Debt Collection Practices Act 15 U.S.C.1692 ( g ). All debt that has been sold to third-party collectors needs to be removed from my credit because I had no knowledge and gave no consent. I disputed the collections on my credit. I asked the bureaus for documentation proving that these debts are mine and they have been unsuccessful.

All hard inquiries need to be deleted according to 15 U.S.C. 1681 ( n ), All charge-offs and collections need to be removed according to 15 U.S.C. 1681 ( n ) and 15 U.S.C 1681 ( c ) ( 2, Any late payments as well needs to be removed immediately according to 15 U.S.C. 1666 ( b ), 15 U.S.C. 1637 ( a ).

All credit bureaus have refused to make corrections even after documents were submitted to them. None are reporting accurately and when I expressed that their neglect has hindered me in purchasing a home they refused to remove the items violating federal laws they are governed by.A

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 2024-09-22 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:
According to The Fair Debt Collection Practices Act 15 U.S.C.1692 ( g ). All debt that has been sold to third-party collectors needs to be removed from my credit because I had no knowledge and gave no consent. I disputed the collections on my credit. I asked the bureaus for documentation proving that these debts are mine and they have been unsuccessful.

All hard inquiries need to be deleted according to 15 U.S.C. 1681 ( n ), All charge-offs and collections need to be removed according to 15 U.S.C. 1681 ( n ) and 15 U.S.C 1681 ( c ) ( 2, Any late payments as well needs to be removed immediately according to 15 U.S.C. 1666 ( b ), 15 U.S.C. 1637 ( a ).

All credit bureaus have refused to make corrections even after documents were submitted to them. None are reporting accurately and when I expressed that their neglect has hindered me in purchasing a home they refused to remove the items violating federal laws they are governed by.A

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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: CA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, XXXX, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-22 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: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
I am contacting you all in regard to my account with Ally. My account ( # XXXX ) with Ally still hasnt been resolved. It is now going on 2 years. Ive been in contact with Ally ( last time in XXXX ) and nothing has been updated nor any information still could be provided on the account. Each time being in contact with Ally, Ive made sure to update all my contact information, in hopes of them sending the original agreement document, as requested. Due to me having no information on the vehicle, after car was repossessed, I requested documents on this as well. I havent been sent anything as of yet since requesting them back in XX/XX/XXXX. Even online, theyre arent any documents in my profile that shows what theyve sent since XXXX. Since last being in contact with Ally, I talked to two representatives, due to the first one hanging up on me, I called to ask for a 1099-C form. I was curious if they had ever sent me XXXX and I never received it because it has been over a year. But the representative asked Who said something about a 1099-C? This account has not been settled. Which is confusing because on each credit bureau sites says the account is written as a charge off. On the IRS it states, when a creditor reports a cancellation of debt to the IRS, this day of the following year in which the debt was canceled, the Form 1099-C must be filed and reported to the IRS and a copy provided to the debtor as well ( in which I have never possessed ). In this case, the debt amount is over {$600.00}, so the creditor usually is required to issue a 1099-C to report the cancellation of debt to the IRS, which should have been done if the account has been in the status of a charge off since XXXX of XXXX. As the conversation continued, the representative goes to say that someone will be picking up my account and thats all they could tell me. I asked who was my information and account was being sold to and she could not give me an answer. My account is now going to another 3rd-party company since given back to them by XXXX XXXX after I filed a complaint on them. This company has violated so many Laws and Acts of the FDCPA, TILA, and FCRA ( FDCRA 15 USC 1601, The Disclosure Requirement of the TILA Act, and numerous FCRA practices and acts ) I have enclosed copies of relevant documents that support my dispute. I also had Gap Insurance on the vehicle. As of today XX/XX/XXXX, Ally is now trying to attend to my case updating wrong transaction history information and reported it to each credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 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: SC

Complaint narrative:
I am writing to formally file a complaint regarding Experians failure to remove inaccurate and/or disputed information related to a XXXX XXXX account from my credit report. This account has already been successfully removed from both XXXX and XXXX, yet Experian continues to report it. 

Nature of the Dispute The XXXX XXXX account in question is inaccurately reported on my Experian credit report. After disputing this account with XXXX and XXXX, both bureaus removed the information from my credit file. Despite this, Experian has failed to take similar action, in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Violation of FCRA ( 15 U.S.C. 1681i and 1681s-2 ) Under 15 U.S.C. 1681i, consumers are entitled to dispute inaccurate information with credit reporting agencies, and those agencies are required to conduct a reasonable investigation and remove or correct the information if it is found to be inaccurate or unverifiable.

Moreover, 15 U.S.C. 1681s-2 prohibits the continued reporting of inaccurate information after it has been disputed and found to be inaccurate. Both XXXX and XXXX have acknowledged that this XXXX XXXX account was inaccurately reported and removed it from my credit file. Experians continued failure to do so demonstrates a failure to uphold its legal obligations. 

Impact on My Credit The failure to remove this inaccurate information is negatively affecting my credit score and financial well-being. The presence of this erroneous information on my Experian report is unjustified, especially since the other major credit bureaus have already removed it. 

Requested Action I respectfully request that the CFPB : Investigate Experians failure to remove the XXXX XXXX XXXX XXXX from my credit report. 
Enforce compliance with the FCRA, ensuring that Experian conducts a proper investigation and removes the inaccurate information from my credit report. 
Confirm the removal of this XXXX XXXX account from Experian and ensure the accuracy of my credit file. 
I have attached copies of my credit reports from XXXX and XXXX, which show that the XXXX XXXX account has been removed, as well as my Experian report, which continues to reflect the incorrect information. 

Thank you for your time and attention to this matter. I trust that the CFPB will take appropriate action to protect my rights and ensure the accuracy of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 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 a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2024-09-22 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: CA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 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: NY

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2024-09-22 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:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

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 2024-09-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I'm homeless and they won't help me file accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 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: NY

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2024-09-22 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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
I signed up for a Costco Credit Card from CITI and NEVER activated the card. 

Costco then charged my annual membership to this card, without my knowledge or permission. 

I failed to pay for the membership on the card, that was NEVER activated. 

I later paid the charge, but they still placed a negative mark on my credit report, CITI ( opened XX/XX/XXXX ). 

I want this removed because I plan on buying a house and do not want this to count against me. 

I disputed the charge twice ( XXXX and XXXX ) through XXXX and called the credit card CITI but could not get it resolved. This is the first and only negative mark against my credit. 

I would appreciate any help you can provide. 

Thank you, 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 2024-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
VALIDATION CEASE AND DESIST XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA, XXXX XXXX XXXX XX/XX/year> Portfolio Recovery Associates , LLC XXXX XXXX XXXX, XXXX, VA XXXX Subject : Debt Validation Request Dear Portfolio Recovery Associates, I have received correspondence regarding a debt collection and need to verify that you have contacted the correct individual. I am writing to request validation of the debt you have reported to me in your recent communication and am requesting that you provide documentation supporting this. 

As per the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request verification of the debt. Please provide me with the following information regarding this debt : 1. A detailed contract showing the amount owed exists along with verification of the debt amount you are attempting to collect.

2. The name and address of the original creditor to whom the debt was originally owed and the current creditor.

3. Documentation showing that you are authorized to collect this debt, such as a copy of the original contract or agreement. Include documentation showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please provide this information within 30 days from the date of this letter. During this period, I request that you cease and desist all collection activities until you have provided the requested validation.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus.

Please note that this request does not acknowledge that I owe the debt. If you are unable to provide validation, please remove this entry from my credit report and cease all further collection efforts.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief