vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-21 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:
In accordanco with tho Fair Crodit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, Account name : # Account name : # Account name : # Account name XXXX XXXX XXXX account # : XXXX # has violated my rights. 
I lookod at my Exporian crodit report on XX/XX/year> and noticed some things aro Incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning tho individual about whom the report rotates according to 15 USC 1681 ( oXb ).

And according to 16 USC 16811 5 they aro suppose to do this ( 6 ) Treatment of inaccurate or unverifiable information ( A ) n gonorallf, after any reinvestigation under paragraph ( 1 ) of any information disputed

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 2024-12-21 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I am writing to formally lodge a complaint regarding several unfamiliar accounts that have appeared on my credit report following my exposure in a national data breach. Despite my proactive efforts to address this matter, I have not received satisfactory assistance, and I am seeking your intervention to resolve the issue. 

Following the data breach, I reviewed my credit report and identified accounts that I did not open or authorize. In response, I submitted a written request to the credit bureaus, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), to validate the debts associated with these accounts. However, I have not received adequate documentation or validation confirming the legitimacy of these accounts.

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 2024-12-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: LA

Complaint narrative:
I pulled my credit and noticed that XXXX XXXX had an account that is in collections of which I have no recollection of and the owed amount is 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 2024-12-21 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:
XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payments on XXXX  XXXX Account Dear CFPB, I am writing to dispute inaccurate late payments reported on my credit file for the XXXX XXXX account ( Account Number : XXXX ). These late payments, specifically a 30-day late payment for XX/XX/XXXX, a 60-day late payment for XX/XX/XXXX, and a 90-day late payment for XX/XX/XXXX, are incorrect and misrepresent my payment history. 
Nature of the Complaint : Inaccurate Reporting : These late payments are false and inconsistent with my payment records, as I have consistently made on-time payments through autopay. 
Violation of FCRA ( 15 USC 1681i and 1681s-2 ) : Reporting and failing to correct inaccurate information violates the Fair Credit Reporting Act.

Violation of FDCPA ( 15 USC 1692e ) : Reporting incorrect payment history may constitute a deceptive or misleading practice.

Violation of TILA ( 15 USC 1601 ) : The Truth in Lending Act requires the accurate reporting of credit and payment terms.

Civil Liability Under FCRA ( 15 USC 1681n and 1681o ) : Noncompliance with these requirements subjects the responsible parties to legal penalties.

Summary of Discrepancies Equifax Reported 30-day late payment for XX/XX/XXXX, XXXX late payment for XX/XX/XXXX, and 90-day late payment for XX/XX/XXXX. 
Payments were consistently made on time, and no delinquencies occurred. 
Requested Resolution : I request the following : Conduct a thorough investigation and remove the erroneous late payment entries.

Update my credit file to reflect accurate and truthful information. 
Provide written confirmation of the corrections within 30 days, as required by the FCRA. 
Enclosed are supporting documents, including payment records, to validate my claim. I expect your prompt attention to resolve this matter. 
Thank you for your immediate cooperation. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 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: AZ

Complaint narrative:
Immediate Deletion of Unauthorized Accounts and Inquiries Pursuant to FCRA Section 604 To Whom It May Concern, I am demanding the immediate deletion of the following accounts from my credit file, as they were obtained and/or reported without permissible purpose under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681b ] : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX, Account # XXXX Section 604 of the FCRA explicitly prohibits a consumer reporting agency from furnishing a consumer report unless specific, legally permissible purposes are met. These accounts do not have my authorization, nor do they meet any of the statutory conditions outlined in Section 604 ( a ).

I have not been provided with : Any certification or evidence of permissible purpose.

Prior notification of these inquiries or accounts.

Documentation verifying their validity.

This is a formal demand for : 1.Immediate Deletion : Remove the above-listed accounts and any associated inquiries from my credit report immediately, as they were not authorized or established in compliance with the FCRA.

2.Written Confirmation : Provide written confirmation of the deletions within the time frame mandated by the FCRA.

Please be advised that I have filed complaints with both the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) regarding this matter. These agencies have been informed of the unauthorized access and reporting of these accounts on my credit file.

If these unauthorized accounts are not promptly removed, I will pursue further actions to enforce my rights under the FCRA, which may include legal proceedings.

Thank you for your prompt attention to this matter. I expect a resolution within the timeframe specified under the FCRA

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 2024-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I ASKED A TRANSUNION TO VALIDATE THE INFORMATION OF A COLLECTION THAT IS ON MY CREDIT REPORT AND I DID NOT RECEIVE A RESPONSE

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 2024-12-21 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: VA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: OH

Complaint narrative:
These are fraudulent accounts, please delete Incorrect names 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 XXXX XXXX XXXXXXXX, XXXX OH 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 2024-12-21 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: OH

Complaint narrative:
These are fraudulent accounts, please delete Incorrect names 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 OH XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am filing a formal complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report. Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), no changes have been made to resolve this issue, in violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Since my last dispute, nothing has changed, and the errors remain on my credit report. 
FCRA Violations : Under 15 U.S. Code 1666b, creditors must send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting suggests a failure to comply with this requirement.

15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files. This obligation has not been upheld in my case.

TILA Violations : The Truth in Lending Act requires creditors to provide accurate and timely disclosures to consumers. The incorrect reporting of late payments has caused significant harm to my creditworthiness and financial well-being. 
Summary of Errors and Discrepancies : The reported late payments for this account are inconsistent and inaccurate across different months and reporting periods. Specific discrepancies include : Late payments incorrectly reported for the following months : XX/XX/XXXX and XX/XX/XXXX. 
Different late payment statuses reported across credit bureaus. 
Dates of delinquency that do not align with the accounts actual payment history. 
These errors significantly misrepresent my credit history and have negatively impacted my creditworthiness. 
Desired Resolution : Immediate removal of the inaccurate late payment notations from my credit report. 
Written confirmation of the correction. 
If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant agencies. 
I look forward to your prompt response to this matter. Please send confirmation of the corrections to the address provided above. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX i do not have a contract with XXXX XXXX XXXX, they did not provide me with the original contract as i requested, and i requesting for this to be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: GA

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law. 

For this Items Below Please do as what instruction in compliance of the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 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: GA

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law. 

For this Items Below Please do as what instruction in compliance of 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 2024-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
I was scammed into sending $ $ to somebody on cashapp in the amount of {$XXXX} who was claiming to be gathering funds for a charity fund. I then later went on to realize that the cashapp account user is a fake account not claiming to be who they say they are. I had initially believed that it was real at first because I had gave {$XXXX} cash but then wanted to donate {$XXXX} instead so they had refunded me {$XXXX} through cashapp. I found out it was fake and made a threat to obtain my $ $ back they had agreed to spend me back the whole amount of $ $ back and they know have not contacted me back and still have refused to send the $ $ back. I was scammed into sending $ $ to an unethical person who claimed to be working for toys for tots. I then contacted cashapp twice and its been over XXXX weeks with no response yet from cashapp as well and request left on pending

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: IL

Complaint narrative:
Incorrect information on credit report. There are open/used fraudulent accounts that were not authorized by me.

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 2024-12-21 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: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
Account Name or Number : XXXX  XXXX, dated XX/XX/XXXX Dispute Reason : " This account is not mine. '' Account Name or Number : XXXX XXXX XXXX, dated XX/XX/XXXX Dispute Reason : " This account is not mine. '' Account Name or Number : XXXX XXXX XXXX XXXX, dated XXXX Reason : " This account is not mine. '' Account XXXX or XXXX : XXXX XXXX, dated XXXX Reason : " This account is not mine. '' Account Name or Number : XXXX XXXX, dated XX/XX/XXXX Dispute Reason : " This account is not mine. '' Account Name or Number : XXXX & XXXX XXXX XXXX, dated XX/XX/XXXX Dispute Reason : " This account is not mine. '' Account XXXX or XXXX : XXXX, dated XX/XX/XXXX Dispute Reason : " This account is not mine. '' Account Name or Number : XXXX XXXX XXXX XXXX, dated XX/XX/XXXX Dispute Reason : " This account is not mine. '' Account Name or Number : XXXX XXXX  XXXX ( XX/XX/XXXX XXXX ) Dispute Reason : " This account was CANCELLED AND PAID. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: World Acceptance Corporation
State: LA

Complaint narrative:
Ive completely asked this company to not have any type of communication with me but yet and still they continue on especially through my credit report even though the account has been charged off and a request was given to them for the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LAKEVIEW LOAN SERVICING, LLC
State: KY

Complaint narrative:
Late payments reported and payments have been made on time its negatively impacting my credit In accordance with the fair credit Reporting XXXX XXXX  has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
IN XX/XX/year> I SENT A LETTER REQUESTING THAT MY PERSONAL INFORMATION BE UPDATED SINCE IT WAS INCORRECT, HOWEVER, THEY CHANGED ONLY ONE AND DID NOT UPDATE EVERYTHING I ASKED FOR, AS WELL AS THE DELETION OF AN INQUIRY THAT I DID NOT AUTHORIZE.

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 2024-12-21 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: KS

Complaint narrative:
I am writing to

formally notify you that I am a victim of a data breach, and I am requesting that all accounts and inquiries related to the breach be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). The following account should be blocked and deleted : XXXX XXXX XXXX XX/XX/XXXX {$XXXX} Additionally, the following inquiries should be blocked and deleted : XXXX. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
False Statements from Report : XXXX The card does not have declined transactions due to invalid PIN entry at the time of the disputed transactions. 

This is not the issue, my card was not always in my possession at a few banks including XXXX Bank previous to the disputed charge and account hack. 

Cardholder claims card was compromised with card in possession ; however, card chip data was utilized for the disputed transactions. 

Some bank assistants had possession of my cards on previous transactions that it was out of my site for XXXX minutes or more Transactions in question reflect a similar pattern of use and are within the same geographic area of activity. As such we continue to conclude that these transactions were made by you or with your authorization. 

I dont have any transactions on a Saturday XXXX  at all with a bank or other debiting transactions.

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 2024-12-21 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 recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late with payments. Ive attached a copy of my report to this complaint on the following dates XX/XX/year> & XX/XX/year> I'm now requesting you investigate this account and update these payments to be paid on time immediately. Thank you for your understanding and prompt action.

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