vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Receivable Collection Services, LLC
State: NY

Complaint narrative:
The Company sent a bill to collection that was discharged in XXXX XXXX in 2017. They did not do their diligence and it has affected my credit score. I spoke to company on XX/XX/XXXX, via phone and a female stated that collection would be removed in 72 hours, it has been 72 hours. The items has not been removed, also she was unable to provide proof. I.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent a detailed certified letters in either late XXXX or early XXXX of XXXX  asking for wrong addresses and spellings of my name to be deleted off of my credit profile. I provided the correct spelling of my name along with my current address but submitting a copy of my drivers license and social security to prove my identity. The information was never updated on my profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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: GA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
All my information on all three credit bureaus were compromised in a data breach. All the information on all three credit bureaus are in accurate and should be cleaned up and removed all negative items.

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 2024-12-30 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: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-12-30 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: FL

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of the following accounts from my credit report, as I am a victim of a data breach. I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to request that these accounts be blocked and removed from my credit file : XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$5600.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX  - XXXX XXXX XX/XX/XXXX - {$16000.00} As a result of the data breach, I am requesting that these accounts be blocked as they are potentially the result of fraudulent activity. Please take the necessary steps to ensure that these accounts are blocked from my credit report, and confirm the deletion of any associated data in accordance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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: FL

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of the following accounts from my credit report, as I am a victim of a data breach. I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to request that these accounts be blocked and removed from my credit file : XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$5600.00} XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX  - XXXX XXXX XX/XX/XXXX - {$16000.00} As a result of the data breach, I am requesting that these accounts be blocked as they are potentially the result of fraudulent activity. Please take the necessary steps to ensure that these accounts are blocked from my credit report, and confirm the deletion of any associated data in accordance with the law.

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 2024-12-30 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX Subject : Dispute Letter Regarding Involvement in XXXX Data Breach To Whom It May Concern, I am writing to formally dispute inaccuracies on my credit report stemming from the 2017 XXXX data breach and to assert my rights under the Fair Credit Reporting Act ( FCRA ), as codified in 15 U.S.C. 1681. 

It has come to my attention that my personal information have been compromised due to the breach, leading to unauthorized activity and inaccuracies on my credit report. Under 15 U.S.C. 1681i, I have the right to dispute any information that is incomplete, inaccurate, or unauthorized. Furthermore, under 15 U.S.C. 1681c-2, I am entitled to take measures to protect my personal and financial information.

To address this matter, I request the following : 1. A thorough investigation into two ( 2 ) XXXX XXXX  XXXX XXXX XXXX XXXX on my credit report. 
2. Immediate removal of both fraudulent XXXX XXXX  XXXX XXXX XXXX XXXX. 
3. Written confirmation that the requested changes have been made. 

For your reference, I have attached a copy of my credit report with the disputed items highlighted, along with copies of my identification and proof of address. 

Please provide a written response detailing the outcome of your investigation within the timeframe prescribed by law. Failure to comply with your obligations under the FCRA may result in further legal action to protect my rights. 

Thank you for your prompt attention to this matter. Please contact me at XXXX or XXXX if you require any additional information. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KY

Complaint narrative:
I filed a dispute on XX/XX/year> for a charge on XX/XX/year> for {$1300.00} from XXXX on XX/XX/year> they requested information asking what was purchased I called in letting the representative in the dispute department know that I didn't know what was purchased because I didn't spend that much with the company. On XX/XX/year> the credit on my account was reversed, the case was closed with them stating I did not provide the information that was requested. I called in again around XX/XX/year> and I was told they saw I had called in but no notes were made and that was why they closed the dispute, because it looked as though I had not provided the information. He said he was reopening it and they had 10 days to rereview it. I called back on XX/XX/year> and I was told it had only been 6 business days and they had XXXX so there was nothing they could do. I then messaged them on XX/XX/year> asking the status because it had been over ten business days at that point and still no decision, they will give me no update and keep telling me that every time I call in their 10 business days restarts. I have done everything they asked and they keep messing up my case and not doing anything. They refuse to refund me while they try to fix it saying that they don't have to do it. And multiple times someone from the escalation team was supposed to call me but they never do. I filed one complaint already and they never contacted me, they briefly put the money back in my account and then retracted it again saying they found no proof of fraud after their investigation. I requested all information pertaining to their investigation and I was told there was none attached to my case but they would send it to me. When I received what they sent there is nothing that shows any attempt at any investigation. All they did was make a decision.

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 2024-12-30 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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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: GA

Complaint narrative:
I am writing to formally dispute the inaccurate information being reported on my credit report. In particular, the following items are incorrect and are adversely affecting my credit score : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reason : I previously disputed this account stating : XXXX dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reason : I previously disputed this account stating : XXXX dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reason : I previously disputed this account stating : ''I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account. 

XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXX/XX/year> These items are either reported incorrectly or have already been resolved, and I ask that they be thoroughly investigated and corrected. I have already reached out to both the credit reporting agency and the data furnisher, but the issue persists. Ive attached supporting documentation and screenshots of my credit report to highlight the inaccuracies and support my claim. Please address this matter promptly and update my credit report with accurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: GA

Complaint narrative:
I am writing to formally dispute the inaccurate information being reported on my credit report. In particular, the following items are incorrect and are adversely affecting my credit score : Account Name : XXXX  Account Number : XXXX High Balance : {$420.00} Reason : I previously disputed this account stating : ''I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

Account Name : XXXX Account Number : XXXX High Balance : {$330.00} Reason : I previously disputed this account stating : ''I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

Account Name : XXXX XXXX Account Number : XXXX Reason : I previously disputed this account stating : ''I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account. 

INQUIRIES : TRANSUNION : XXXX  ON XX/XX/year> These items are either reported incorrectly or have already been resolved, and I ask that they be thoroughly investigated and corrected. I have already reached out to both the credit reporting agency and the data furnisher, but the issue persists. Ive attached supporting documentation and screenshots of my credit report to highlight the inaccuracies and support my claim. Please address this matter promptly and update my credit report with accurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX  XXXX {$350.00} XX/XX/XXXX XXXX XXXX XXXX {$410.00} XX/XX/XXXX XXXX XXXX  XXXX {$340.00} XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX NOT RECOGNIZED XXXX ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX INQUIRIES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion EMPLOYERS NOT RECOGNIZED XXXXXXXX XXXX XXXX 15 U.S.C, 1681section 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.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-12-30 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: GA

Complaint narrative:
I am writing to formally dispute the inaccurate information being reported on my credit report. In particular, the following items are incorrect and are adversely affecting my credit score : Account Name : XXXX Account Number : XXXX High Balance : {$420.00} Reason : I previously disputed this account stating : ''I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

Account Name : XXXX Account Number : XXXX High Balance : {$330.00} Reason : I previously disputed this account stating : ''I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

Account Name XXXX XXXX XXXX Account Number : XXXX Reason : I previously disputed this account stating : ''I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account. 

INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year> These items are either reported incorrectly or have already been resolved, and I ask that they be thoroughly investigated and corrected. I have already reached out to both the credit reporting agency and the data furnisher, but the issue persists. Ive attached supporting documentation and screenshots of my credit report to highlight the inaccuracies and support my claim. Please address this matter promptly and update my credit report with accurate information.

Company response to consumer: Closed with non-monetary relief