vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-14 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-14 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: LA

Complaint narrative:
In a card with the fail, credit reporting act the list of companies below has violated my federal protected consumer rights to privacy and confidentiality on the 15 USC 1681.account name XXXX XXXX XXXX # XXXX account name XXXX : # XXXX account name XXXX XXXX XXXX XXXX XXXXXXXX account name XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX account name XXXX XXXX, has violated my rights. 

I looked at my TransUion credit report on XX/XX/year> and notice some things are incomplete and not accurate and according to the fair credit reporting act when every consumer reporting agency prepares a consumer report in shelf follow reasonable procedure to assure maximum possible accuracy of the information concerning the individual about whom the report release according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i5 They are supposed to do this ( 5 ) Treatment of inaccuracy Or unverifiable information ( A ) In generel, after any reinvestigation under a paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or Incomplete or can not be verified the consumer reporting is shall- ( i ) Probably delete that item of information from the file of the consumer, or modified that item of information, as appropriate based on the results of the reinvestigation ; ( ii ) Properly notified the furniture of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 They are supposed to not furnish any information related to a consumer to any consumer reporting agent if the person knows or has reasonable codes 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 2024-09-14 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: NC

Complaint narrative:
I have asked for all the creditors that has falsely reported information on my credit file to validate debts by providing proof of this alleged item, specifically the original application, contract, note, other instrument bearing my signature and payment history. Please provide this information within XXXX  days. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing XXXX  days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. 

Debt buyer are not a creditor therefore on my report where it shows collection agency as creditor it's inaccurate reporting and violation under FDCPA definitions of creditor. This is inaccurate and needs to be deleted immediately as its a violation. Please view the below definitions, 12 CFR Part 1006 - Fair Debt Collection Practices Act ( Regulation G ) 1006.2 ( g ) Definitions. 
( g ) Creditor means any person who offers or extends credit creating a debt or to whom a debt is owed. The term creditor does not, however, include any person to the extent that such person receives an assignment or transfer of a debt in default solely to facilitate collection of the debt for another. 

These account are inaccurate under 15 U.S.C. 1692g validation of debt. In addition, while the collector attempted to collect a debt that is not mine, they broke XXXX XXXX XXXX XXXX - XXXX liability. Below I have attached the definition of the law as this is my right. Please have this inaccurate account removed from my credit as it is damaging my personal life or pay the {$1000.00} fine for breaking this law. 
XXXX XXXX XXXX XXXX - XXXX liability ( a ) Amount of damages

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 2024-09-14 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: MA

Complaint narrative:
Subject : Formal Complaint Regarding Inaccurate Reporting of Late Payments Account No. XXXX To the Consumer Financial Protection Bureau : I am filing this complaint under 15 U.S. Code 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information concerning the consumer. 

My account number XXXX has been reported as having XXXX late payments for the months of XX/XX/2023, XX/XX/2023, and XX/XX/2023. However, these late payments are inaccurate, and I am requesting immediate action to reverse these erroneous reports and correct my payment history to reflect " on-time '' status for these months. 

The inaccurate reporting of these payments has caused significant harm to my credit score and financial standing, resulting in damages, including but not limited to the following : A decrease in my credit score Potential difficulty in obtaining future credit Emotional distress and financial hardship caused by the wrongful reporting I request that the Consumer Financial Protection Bureau ( CFPB ) intervene in this matter and direct the credit reporting agencies to : Remove the inaccurate late payment reports for XX/XX/2023, XX/XX/2023, and XX/XX/2023. 
Correct my payment history to reflect that these payments were made on time. 
Compensate me for any damages, including any legal and financial consequences, caused by this inaccurate reporting. 
In accordance with 15 U.S. Code 1681e ( b ), I expect all consumer reporting agencies involved to take immediate steps to correct this information and ensure the accuracy of my credit report moving forward. 

I appreciate your prompt attention to this matter. Please contact me if further information or documentation is required.

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 2024-09-14 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: MA

Complaint narrative:
Subject : Formal Complaint Regarding Inaccurate Reporting of Late Payments Account No. XXXX To the Consumer Financial Protection Bureau : I am filing this complaint under 15 U.S. Code 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information concerning the consumer. 

My account number XXXX has been reported as having XXXX late payments for the months of XX/XX/year>, XX/XX/year>, and XX/XX/year>. However, these late payments are inaccurate, and I am requesting immediate action to reverse these erroneous reports and correct my payment history to reflect " on-time '' status for these months. 

The inaccurate reporting of these payments has caused significant harm to my credit score and financial standing, resulting in damages, including but not limited to the following : A decrease in my credit score Potential difficulty in obtaining future credit Emotional distress and financial hardship caused by the wrongful reporting I request that the Consumer Financial Protection Bureau ( CFPB ) intervene in this matter and direct the credit reporting agencies to : Remove the inaccurate late payment reports for XX/XX/year>, XX/XX/year>, and XX/XX/year>. 
Correct my payment history to reflect that these payments were made on time. 
Compensate me for any damages, including any legal and financial consequences, caused by this inaccurate reporting. 
In accordance with 15 U.S. Code 1681e ( b ), I expect all consumer reporting agencies involved to take immediate steps to correct this information and ensure the accuracy of my credit report moving forward. 

I appreciate your prompt attention to this matter. Please contact me if further information or documentation is required.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/year>, I made a payment to my American Express account through XXXX. However, XXXX blocked this payment due to an issue on their end, which was completely outside of my control. As a result, the payment was returned to American Express. Despite the issue being caused by XXXX, American Express closed my credit card accounts on XX/XX/year>. 

I hold multiple American Express cards, many of which have high annual fees. I expected to fully use the benefits of these cards for the entire year. The closure of my accounts has unfairly prevented me from utilizing the services I have paid for, and I have not been given an opportunity to resolve the payment issue. 

I request the reinstatement of my accounts, or if that is not possible, a refund of the annual fees for the closed cards, as I have been unable to access the benefits that I paid for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-14 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: IL

Complaint narrative:
Im asking for your help with the incorrect account listed on my credit report. This has affected my reputation, and I require your assistance. Due to your mishandling of the situation, my credit report has caused significant damage to my standing. You must eliminate the incorrect information from my 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 non-monetary relief
Consumer complaint received 2024-09-14 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: NAVY FEDERAL CREDIT UNION
State: MS

Complaint narrative:
There are several inquiries on my credit report that I did not authorize. I did not authorize XXXX, XXXX, XXXX, nor NAVY FCU to run my credit. XXXX and XXXX inquired on XX/XX/XXXX. XXXX inquired on XX/XX/XXXX and NAVY FCU inquired several different times, some back to back ; XXXX XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX, per my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
There are several inquiries on my credit report that I did not authorize. I did not authorize XXXX, COAF, XXXX, nor XXXX XXXX to run my credit. XXXX and COAF inquired on XX/XX/XXXX. XXXX inquired on XX/XX/XXXX and XXXX XXXX inquired several different times, some back to back ; XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  and XX/XX/XXXXXXXX XXXX XXXX per my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.1682c-2 ) that you TransUnion credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of mobile telecommunication for XXXX open XX/XX/XXXX, XXXX XXXX XXXX reported on XXXX and gym memberships open XX/XX/XXXX for XXXX XXXX  XXXX and XXXX XXXX open on XX/XX/XXXX. These accounts have resulted in fraudulent collections and charge offs appearing on my consumer XXXX credit report maintained by you which shows aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or charge offs are resulted from this matter. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer charge off collection accounts resulted from this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Resurgent Capital Services L.P . 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXX RE : Follow-Up Request for Debt Validation Account Number : XXXX CFPB Case # : XXXX0831-15857960 Reference Number : 797153476 Dear Resurgent Capital Services, I am writing to follow up on my original request dated XX/XX/year>, regarding validation of the debt referenced above. 
After reviewing your response dated XX/XX/year>, I have identified several deficiencies. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request full compliance in providing the required documentation to validate the debt. Specifically, I requested : 1. Verification of the Debt Amount : While you provided a summary balance of {$1700.00}, you did not provide any evidence of a signed contract or binding agreement that establishes the legitimacy of this debt. Please supply proper documentation proving the validity of the amount owed.

2. Documentation of All Assignments : You failed to provide evidence showing the transfer of this debt from XXXX XXXX XXXX, XXXX. to LVNV Funding LLC. Kindly provide copies of the assignment or bill of sale proving the legal transfer. 
3. Proof of Securitization : I requested evidence that the original creditor securitized the debt. This was not addressed in your response. Please provide the necessary documentation if applicable.

4. Cease and Desist Collection Efforts : Despite my clear request, your letter does not acknowledge that collection efforts should cease until this debt is validated. I expect all collection efforts to stop immediately until this matter is resolved.

5. Permissible Purpose : You did not provide a reason for accessing my credit information. Please state the permissible purpose under the Fair Credit Reporting Act ( FCRA ) for doing so without sufficient validation of the debt. 
Furthermore, under the Fair Credit Reporting Act ( FCRA ), you are required to cease reporting this debt to any credit reporting agencies until you have provided full validation. If this debt has already been reported, I request that you update my file to reflect that it is disputed. 
Additionally, please acknowledge in writing that you will cease all collection efforts until the requested validation is provided, as required by law. 
Failure to comply with my request within 30 days will result in immediate escalation, including formal complaints to the Consumer Financial Protection Bureau ( CFPB ) and potential legal action for violations of the FDCPA and FCRA. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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:
I always make my payments on time, so Im confused about why this company is marking me late for certain months. According to USC 1666b, billing errors should be fixed, and my record should show " paid as agreed. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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: OH

Complaint narrative:
RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Number : XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.

Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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: MI

Complaint narrative:
16 inaccurate and out dated addresses is being reported.

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 2024-09-14 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: IL

Complaint narrative:
I always make my payments on time, so Im confused about why this company is marking me late for certain months. According to USC 1666b, billing errors should be fixed, and my record should show " paid as agreed. ''

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 2024-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
CONSUMER ADJUSTMENT COMPANY have this fraud bill on my report I have contacted them asking for proof. seemingly this was done during the pandemic. I have been frauded on several levels and this is NOT mines

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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:
I am appealing for your support concerning the misleading account on my credit report. The issue has badly hurt my reputation, and I need your help. Your mismanagement of my credit report has deeply damaged my standing, and these wrong details must be removed immediately.

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 2024-09-14 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 have called credit bureau to get all inquiries removed from my credit report because it's not me it still shows on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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: MN

Complaint narrative:
I applied for the XXXX XXXX and also tried to do XXXX for my loans since I worked at a service job for over 10 years my original loan servicer XXXX has failed to correct this issue and give me the resources to get my loans forgiven I attempted calling and reaching out to this company now my loans were transferred to Aidvantage in XXXX I have taken the legal appropriate steps to give them the corrected information and this company has failed to to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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