vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-26 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:
There has been repeated incompetence and issues with this account being serviced with XXXX. The account was paid in full on XX/XX/year>, XXXX failed to report the account as paid in full still after the legally allotted 30 days. When I brought this to their company/department 's attention along with providing SUFFICIENT supporting documents, XXXX was able to submit corrections to the credit bureau overnight , however, did so erroneously. On XXXX & now XXXX, the account now reflects " closed, paid, and 100 %, '' however, the account was also erroneously flagged as 30 days past due subsequently resulting in a credit score drop of XXXX points. All due to erroneous reporting and incompetence. I've been working on my credit paying off bills after falling behind, and this XXXX point drop has severely erased all hard work. The account itself on XXXX reflects 100 % payments made on time, along with it being paid/closed, yet they reported it 30 days late out of nowhere.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 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: TX

Complaint narrative:
There has been repeated incompetence and issues with this account being serviced with XXXX. The account was paid in full on XX/XX/year>, XXXX failed to report the account as paid in full still after the legally allotted 30 days. When I brought this to their company/department 's attention along with providing SUFFICIENT supporting documents, XXXX was able to submit corrections to the credit bureau overnight XXXX however, did so erroneously. On XXXX & now Experian, the account now reflects " closed, paid, and 100 %, '' however, the account was also erroneously flagged as 30 days past due subsequently resulting in a credit score drop of XXXX points. All due to erroneous reporting and incompetence. I've been working on my credit paying off bills after falling behind, and this XXXX point drop has severely erased all hard work. The account itself on XXXX reflects 100 % payments made on time, along with it being paid/closed, yet they reported it 30 days late out of nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: SC

Complaint narrative:
I have been a victim of equifax data breach and my personal information was stolen and used to open these accounts. I have contacted Equifax to investigate these accounts for months and they have done nothing about it! These are the name of the accounts 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 non-monetary relief
Consumer complaint received 2024-12-26 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: MD

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to formally dispute the inaccurate and invalid items listed on my credit report, as provided under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to formally dispute the inaccurate and invalid items listed on my credit report, as provided under the Fair Credit Reporting Act ( 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 2024-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Payfare International Inc.
State: CA

Complaint narrative:
On XX/XX/year> there were XXXX transactions made at a XXXX XXXX XXXX XXXX XXXX all within XXXX mins of each other : XX/XX/year> XXXX XXXX # XXXX XXXX {$100.00} XX/XX/year> XXXX XXXX # XXXX XXXX {$99.00} XX/XX/year> XXXX XXXX # XXXX XXXX {$100.00} As soon as I was aware of these fraudulent charges I lock my card as a precautionary measure. 

My credit card company is XXXX XXXX ( which is supported by XXXX XXXXXXXX XXXX ). They were closed when I received a notification of the transactions going though ; so I immediately reported the very next morning as soon as they resumed normal business hours ( Sun, XX/XX/year> @ XXXX EST ). 

The customer service representative took in my complaint, & said that there would be a link that would be emailed to me. He indicated that it went to a team that handled higher resolution cases, needed to be filed within 7 days. I filed the complaint immediately. Additionally the csr cancelled/deactiviated my I also was told to reach out to the merchant, XXXX, to see what they could do on their end. I spoke with XXXX 's resolution team ; they said that they were powerless to do anything ( as the type of purchase was for fuel ), & referred me back to my card holder. 

Ultimately that same day the Resolution Team from XXXX XXXX told me that there was nothing that could be done, as the transaction was made with a PIN, & per the cardholder agreement could not be upheld with zero liability protection. I disagreed ; as this was clearly a case of fraud, as I had indicated the transactions were made in a peculiar method XXXX miles from my home for diesel fuel. Emails were exchanged, I showed proof that I had my physical card ; that it was a scam someone perpetrated to access my personal info. I had used my car earlier in the day at XXXX XXXX so am assming this is how it may have been compromised. 

the end result is that neither XXXX XXXX or XXXX are not assuming any liability to refund this back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: Diversified Adjustment Service, Inc.
State: PA

Complaint narrative:
I am writing to formally notify you that your attempts to collect on the alleged debt referenced bellow are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692-1692p.

If you are not aware this entire claim is regulated by an arbitration agreement with *insert original creditor*, which clearly stipulates that " any dispute must be resolved through arbitration due to the binding agreement. '' To date there has been no arbitration proceedings. As a direct result of that this is considered a material breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that you have no right to collect on this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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:
Fair and accurate credit reporting is essential to the financial system, according to the Fair Credit Reporting Act ( 15 U.S. Code 1681 ). The efficiency of the banking system is directly hampered by inaccurate credit reports, and unjust credit reporting practices erode public trust, which is necessary for the banking system to continue operating.

Therefore, the effectiveness of the banking system is hampered anytime there is a breach of the FCRA. Since I have choice over what is and is not included in my consumer report, this is a breach of my privacy. Identity theft occurs if any accounts are reported without my express written approval.

Both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 are broken by this.

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 2024-12-26 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: IL

Complaint narrative:
I am troubled by the presence of public records on my credit report that I was previously unaware of. It is imperative that you rectify this issue promptly and remove these records 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 2024-12-26 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: NC

Complaint narrative:
I recently checked my credit report on XX/XX/year> and found I had XXXX  inquires from the same company XXXX XXXX XXXX XXXX there is only supposed to be one inquiry not three I applied for a credit card once that 3 times. Please remove the XXXX hard inquiries from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: CA

Complaint narrative:
Dear [ CFPB ], I am writing to file an urgent complaint regarding fraudulent charges that have been reported on my credit report. I am a victim of identity theft, and my personal information is being used by an unknown individual across various accounts that I do not recognize or authorize. I travel frequently and am not well-versed in managing my credit, which my wife recently reviewed and found multiple accounts that have been opened in my name without my knowledge. This is an ongoing and dangerous situation that has persisted for months. Despite my repeated attempts to resolve the issue, no creditors or bureaus have provided any contracts, signatures, or proof to substantiate the charges or transactions. I was not notified by the credit bureaus or creditors within the required 5-day window, as outlined in 15 U.S.C. 1692g ( Validation of Debts ), which I was informed about by my lawyer. This failure to notify me is illegal and violates my consumer rights under federal law. As per 15 U.S.C. 1681 ( Fair Credit Reporting Act ), my right to privacy, confidentiality, and accurate reporting has been directly violated. Additionally, 15 U.S.C. 1681s-2 ( a ) ( 1 ) prohibits furnishing inaccurate information to consumer reporting agencies, which has clearly occurred in my case. I demand immediate action to remove these fraudulent accounts from my credit report and protect my privacy and rights. I will pursue legal action against both the bureaus and creditors involved for failing to provide the necessary documentation and for violating my federally protected rights. 
the accounts 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 Thank you for your prompt attention to this matter. 
Sincerely,

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 2024-12-26 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: TN

Complaint narrative:
I strongly recommend removing this suspicious entry from my credit report. It is not mine, and its presence is very concerning. Please take the necessary steps to correct this inaccuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Recovery Services, LLC
State: ID

Complaint narrative:
The problem is that I don't know dates, times etc. The only thing I know about this debt to medical recovery services is the amount. XXXX. I haven't seen a doctor since XXXX XXXX XXXX. I never got an itemized list from them, no idea where this " debt '' occurred. Only after getting paperwork for the lawsuit did I know money was owed. I was told by a court clerk to wait for a court date to contest it. Not knowing I had to write a written response. Now medical recovery services are garnishing 20 percent of my income for something I know absolutely nothing about.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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:
It is unfair that my consistent track record of timely payments for this account is not being acknowledged. I implore you to ensure that my account accurately reflects this without any inaccuracies.

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 2024-12-26 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: AZ

Complaint narrative:
It is unfair that my consistent track record of timely payments for this account is not being acknowledged. I implore you to ensure that my account accurately reflects this without any inaccuracies.

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 2024-12-26 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: Monterey Financial Services LLC
State: TX

Complaint narrative:
I am filing this complaint against XXXX and the creditor associated with XXXX XXXX XXXX due to their failure to provide legally required proof of the accounts validity. Additionally, the account was sold to Monterey Financial while it was actively under dispute with the original creditor, further violating the Fair Credit Reporting Act ( FCRA ). 

Details of the Issue XXXX XXXX XXXX XXXX XXXX  : Monterey Financial ( purchased from XXXX XXXX XXXX XXXX XXXX I have repeatedly requested specific documentation, such as a signed contract, agreement, or original account details, to validate the accuracy and ownership of this debt. Neither XXXX nor the creditor has provided any proof to verify the accounts validity. 

While this account was under active dispute with the original creditor XXXX XXXX XXXX XXXX  it was sold to XXXX XXXX, which is against the FCRAs requirement for accurate reporting during disputes.

FCRA Violations : Failure to Verify : Under Section 611 of the FCRA, credit reporting agencies are required to investigate disputes and delete any information they can not verify. XXXX has failed to provide any verifiable proof or supporting documentation for this account. 

Failure to Provide Proof : I have requested specific documentation, including a signed contract or agreement, to establish the legitimacy of this account. Neither XXXX nor Monterey Financial has complied. 

Improper Sale of Account During Dispute : The original creditor sold this account while it was under dispute. This action violates the FCRAs protections against improper reporting of disputed items. 

Continued Reporting of Unverified Information : XXXX continues to report this account without sufficient proof, which is a clear violation of the FCRAs requirements for accuracy. 

My Attempts to Resolve the Issue : I filed disputes with both XXXX and the original creditor, requesting proof of the accounts validity, including a signed contract or agreement. 
While my dispute was pending, the original creditor sold the account to Monterey Financial, which ignored my ongoing requests for validation. 
I have repeatedly asked XXXX for proof of the accounts legitimacy, yet no documentation has been provided to date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately.

Thank you for your prompt attention to 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