vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-18 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: MD

Complaint narrative:
I am writing to dispute inaccurate information that is currently listed on my credit report. As per the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 e ( b ) and 15 USC 1681i ( 5 ), it is mandated that all information on my credit report must be 100 % accurate across all three credit Reporting agencies. The information in question is related to the following accounts : XXXX XXXX XXXX XXXX Upon reviewing my credit report, I have identified several inaccuracies in the accounts listed above including Statue of Limitations. Due to these inaccuracies, I am formally requesting that the information be thoroughly Investigated and verified with all documents used to verify copies sent to me. If they can not be verified as accurate, I request that they be removed from my credit report entirely. The inaccuracies of these accounts are affecting my credit score and financial standing unjustly. As per my rights under the FCRA, I demand that the issues be resolved within the legally specific timeframe of 30-45 days from receipt of this letter. Failure to address and correct these inaccuracies will leave me no choice but to seek Legal action. Under the FCRA, I am entitled to collect {$1000.00} in damages for each inaccuracy present on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: FL

Complaint narrative:
I filed a dispute with all 3 credit breaus to remove XXXX XXXX is a fraudulent item Report # XXXX XXXX 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 2024-12-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
I am writing this communication as a Customer Service Rep at this organization made a very rude condescending remark to myself when i called to ask why after almost 5 business days had my loan payoff check sent from XXXX XXXX wasn't posted to my account. I was told that " you have to call the dealership ... '' to which I told her that i don't have to do anything, she replied " well it ain't my credit that is at risk '' which is a clear violation of law. Now, XXXX tracking # XXXX shows it was delivered to XXXX citizens bank way XXXX XXXXXXXX XXXX and signed for by XXXX on XX/XX/year> at XXXX XXXX As such, i would hope that the payoff check from XXXX XXXX can be found and applied as soon as possible given the payoff was delivered to the XXXXXXXX XXXX XXXXXXXX and I would think it wouldn't take 5 business days to route a payoff check to the correct division for processing. SO, someone needs to find XXXX whom signed for the enveolope whereby the payoff can be processed without anymore interest racking up on my account or call XXXX XXXX and speak witht their accounting department and inform them that your institution lost the check and provide them the correct payoff address. Either way, I am formally requesting this matter to be resolved ASAP given your organization has had the check for at least a week and yet my account still is not paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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:
This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These hard inquiries are the results of identity theft and fraud.

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 2024-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Phone Calls... Text.. Emails .... Spam 15 USC 1681 Data breach .... Please remove from my Credit report LVNV FUNDING LLC...

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: MI

Complaint narrative:
What Happened : I am filing this complaint because I believe the following three accounts on my credit report are fraudulent, and I am a victim of identity theft due to a data breach. Despite my repeated efforts to resolve these issues, the accounts remain unresolved, which has caused significant damage to my credit profile. 
XXXX. XXXX XXXX XXXX - Account XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00} Account Type : Personal Loan XXXX. XXXX XXXX XXXX - Account XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00} Account Type : Personal Loan XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} Account Type : Auto Loan I have no knowledge of these accounts and did not open any of them. I believe these accounts are fraudulent and are a direct result of a data breach I was affected by. I have attached a screenshot to support my claim showing I was a victim of this breach. 

Despite reporting these accounts as fraudulent to the credit bureaus and submitting evidence ( including a screenshot from the data breach notification ), Experian and other bureaus have failed to remove the fraudulent accounts. They insist that these accounts are valid because they are linked to my name, yet I have provided proof that I did not open them. 

I have already sent official documentation, including a police report and identity theft affidavit, to verify my claim. However, the bureaus and creditors have not taken appropriate action to investigate or resolve the issue, leaving these fraudulent accounts on my credit report. 

Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I have the right to request the removal of fraudulent information from my credit report, and the credit bureaus and creditors are required to block any information resulting from identity theft once I submit the necessary documentation. 

This law mandates that upon receiving a valid identity theft report and supporting evidence, the credit bureaus must remove or block fraudulent accounts within a reasonable period of time. These accounts should not appear on my credit report, and I should not be held liable for them. 

I request that these accounts be immediately investigated and removed from my credit report. I expect them to be flagged as fraudulent and for my credit report to be corrected to reflect this. I also ask for confirmation from the credit bureaus and creditors that these accounts will be removed, and that I will not be held liable for the fraudulent debt.

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 2024-12-18 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 writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, 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 2024-12-18 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: TX

Complaint narrative:
I recently noticed billing mistakes in my credit report, specifically late payments that are inconsistent with my usual record of timely payments. Please fix these errors and update my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: IL

Complaint narrative:
My credit report lists several late payments that are incorrect. These do not reflect my usual on-time payments. Please resolve these issues and update my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: TX

Complaint narrative:
There are hard inquiries on my credit report that I did not authorize. This information breaches 15 USC 1681c-2, and I request their removal to prevent further harm to my 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 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

I demand the late payment reported to be removed/updated.

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 2024-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
Comenity Bank shows an outstanding debt of {$2900.00} which was charged off in XX/XX/year>. I never received a notice to dispute the debt nor did I receive form 1099-C when I requested it. Yet it is reporting every month, ruining my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: American Recovery Service Incorporated
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX purchased the debt from the original creditor. So now I am requesting for the purchase agreement. Under the law I am entitled to received such information, I can't pay for a debt I no longer own and I never enter into agreement with XXXX XXXX XXXX XXXX. And also the amount reported on my credit report is inaccurate I do not owe said amount. I am asking again for the negative reporting to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UPGRADE, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX purchased the debt from the original creditor. So now I am requesting for the purchase agreement. Under the law I am entitled to received such information, I can't pay for a debt I no longer own and I never enter into agreement with XXXX XXXX XXXX XXXX. And also the amount reported on my credit report is inaccurate I do not owe said amount. I am asking again for the negative reporting to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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 XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-12-18 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: MI

Complaint narrative:
I am a victim of identity theft. This account XXXX XXXX XXXX XXXX XXXX for {$250.00} is fraudulent and I have attached an FTC report also 605B ( 15C U.S.C & 1681C-2 ) I demand that this account stop reporting to my consumer credit report and that you block the account within 4 business days from receiving this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: MI

Complaint narrative:
I am a victim of identity theft. This account XXXX XXXX XXXX XXXX XXXX for {$250.00} is fraudulent and I have attached an FTC report also 605B ( 15C U.S.C & 1681C-2 ) I demand that this account stop reporting to my consumer credit report and that you block the account within 4 business days from receiving this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: Aldous & Associates, PLLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, ca XXXX I am not liable for this debt with FITNESS XXXX XXXX personal Services ), I do not have a contract with ALDOUS AND ASSOCIATES , They did not provide me with the original contract as I requested. ALDOUS AND ASSOCIATES called me and said I have to pay that debt i told them that I refuse to pay because I am not responsible for this debt, i also told them to send me the original contract with my signature on the original contract that I signed but until ALDOUS AND ASSOCIATES proved me with the original contract they have to remove asap from my credit reports. 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.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/year> I received an email from Capital One with an offer to apply for a credit card I was pre-approved for. I applied for the credit card and received an approval the same day with a credit limit of {$4000.00} and APR 29.74 %. After activating my virtual card via my Capital One app, I made two purchases, which one was approved and the other was declined and I received an email regarding suspicious activity and to call the fraud department. After getting in touch with the fraud department the agent requests to send a code via text or call for identity verification, giving I only have one phone number I requested for the text. After several failed attempts I contacted my phone provider to inquire if there is anything on my end preventing the text from coming in. After some troubleshooting and a successful test code, I verified with my phone company there are no blocks not allowing me to receive any text codes. I then called Capital One 's fraud department again, and their attempt to send a code still failed, they then requested me to send in two form of documentation which they confirmed drivers license and bank statement would suffice. I proceeded to upload front and back of my drivers licences and a pdf copy of my Capital One Checking account statement, both of these documents show my full name and address which match what is on file. I was told the process could take 10 days. I called prior to the 10th day and requested a supervisor for an update. The supervisor then told me the file is still under review and confirmed the receipt of the documents. They always attempt to send a text code again but then told me they have been sending it to a phone number they could not tell but it wasn't my current number, which I informed them would not work, given I only have one number which is on file with Capital One. The supervisor then told me I would have to wait for the full 10 days and I may be called by someone involved with the account. I called back on the 10th day due to never being contacted, in which I was then informed my account for that card has been permanently closed due to them not being able to verify my documents, I then asked what else I need to do and was told there is no resolution the account will remain closed and I can just pay the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: FL

Complaint narrative:
My accounts were always on time! Specially with XXXX XXXX, I had a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported. 

I demand the late payment reported to be removed/updated.

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 2024-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I am filing a formal complaint regarding an invalid debt collection attempt related to an Affirm loan that I fully paid off. 

The loan started beginning on XX/XX/year>. I paid the loan in full on XX/XX/year>, yet the collection agency is attempting to collect a debt that does not exist. This is an error, as my payment records clearly show the loan was satisfied in full, and no outstanding balance remains.Therefore, I am requesting the CFPBs assistance in investigating this matter and ensuring that the debt collection agency complies with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: TX

Complaint narrative:
I have tried to fix this issue by reporting this inaccurate information. These affect my personal life & cause me mental stress. I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items showing on my consumer reports. They do not belong to me, I did not consent to any of this information to be reported on my consumer report. I'm a victim of identity theft. I have attached my letter along with the FTC report. If this situation is not handled accordingly, I will seek legal action against you guys.

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