vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-02 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: CO

Complaint narrative:
I am writing with a heavy heart to dispute the inaccurate information being reported on my credit report. The following items are wrong and are deeply affecting my credit score, making an already difficult situation even worse : Account Name : XXXX XXXX - XXXX XXXX  Account Number : XXXX Balance : {$6800.00} Reason : This account is wrongly being marked as charged off with an outstanding balance. I kindly ask that you provide proof of the charge off and update the balance to {$0.00}, or remove the negative payment status altogether. I am deeply disappointed by the outcome of your investigation. Please send me the proof of your findings, along with evidence of the negative payment status, or else remove this damaging information from my account. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Creditor Type : Inaccurate These items are either reported incorrectly or have already been resolved, so I ask for a thorough investigation and correction. I've reached out to the credit reporting agency and the data furnisher, but the issue persists. Ive attached supporting documents and screenshots of my credit report to illustrate the inaccuracies and support my claim. Please address this matter promptly and update my credit report to reflect 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 2024-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Monarch Recovery Holdings, Inc.
State: NC

Complaint narrative:
Monarch Recovery Management contacted my grandmother about a debt that belonged to me. My name is not linked to her phone number or address in any way. They have called her everyday for the past 3 weeks about this. This is extremely inappropriate and unnecessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-12-02 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: TX

Complaint narrative:
I am writing to formally address a violation of the Fair Credit Reporting Act ( FCRA ) and to highlight specific inaccuracies and in how XXXX has reported my account to the credit bureaus XXXX and Equifax. These actions breach FCRA sections 623 ( a ) ( 1 ) ( A ) and 623 ( b ), which require accurate reporting of information and reasonable investigation of disputes. I believe I am a victim of predatory and immoral practices to mislead consumers into paying devastating hidden fees, and violates consumer protection laws.This company is currently involved in a multi-state lawsuit for such practices ( XXXX XXXX. XXXX ). Moreover, the account status was not updated to reflect the payment accurately, as required under FCRA Section 623 ( a ) ( 1 ) ( A ), which mandates that information provided to credit bureaus be accurate and truthful. XXXX XXXX has also reported inconsistent and inaccurate information to XXXX and Equifax regarding this account. Specifically, the account balance is being reported as {$1900.00} on XXXX, and {$1900.00} on Equifax. There are also inconsistencies regarding last payment date ( XX/XX/XXXX Equifax, XX/XX/XXXX XXXX ), last active dates ( XX/XX/XXXX XXXX, XX/XX/XXXX Equifax ), and more. Despite multiple disputes, both credit bureaus continue to report this inaccurate information, indicating XXXX XXXX has failed to fulfill its obligations under FCRA Section 623 ( b ), which requires a reasonable investigation of disputes and the correction of errors. These actions have caused significant harm to my financial well-being and creditworthiness. The inaccurate and unfair reporting on my credit profile directly impacts my ability to access financial opportunities and has created unnecessary stress. As a consumer, I have the right under FCRA to dispute any inaccuracies on my credit report and expect them to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: TX

Complaint narrative:
I am writing to formally address a violation of the Fair Credit Reporting Act ( FCRA ) and to highlight specific inaccuracies and in how XXXX has reported my account to the credit bureaus Experian and XXXX. These actions breach FCRA sections 623 ( a ) ( 1 ) ( A ) and 623 ( b ), which require accurate reporting of information and reasonable investigation of disputes. I believe I am a victim of predatory and immoral practices to mislead consumers into paying devastating hidden fees, and violates consumer protection laws.This company is currently involved in a multi-state lawsuit for such practices ( XXXX XXXX. XXXX ). Moreover, the account status was not updated to reflect the payment accurately, as required under FCRA Section 623 ( a ) ( 1 ) ( A ), which mandates that information provided to credit bureaus be accurate and truthful. XXXX XXXX has also reported inconsistent and inaccurate information to Experian and XXXX regarding this account. Specifically, the account balance is being reported as {$1900.00} on Experian, and {$1900.00} on XXXX. There are also inconsistencies regarding last payment date ( XX/XX/XXXX XXXX, XX/XX/XXXX Experian ), last active dates ( XX/XX/XXXX Experian, XX/XX/XXXX XXXX ), and more. Despite multiple disputes, both credit bureaus continue to report this inaccurate information, indicating XXXX XXXX has failed to fulfill its obligations under FCRA Section 623 ( b ), which requires a reasonable investigation of disputes and the correction of errors. These actions have caused significant harm to my financial well-being and creditworthiness. The inaccurate and unfair reporting on my credit profile directly impacts my ability to access financial opportunities and has created unnecessary stress. As a consumer, I have the right under FCRA to dispute any inaccuracies on my credit report and expect them to be corrected.

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 2024-12-02 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: TX

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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: Lendmark Financial Services
State: CA

Complaint narrative:
I have filled out a report to clarify the incorrect information that has been sent by the credit bureau through my email. I am writing to formally dispute an error on my credit card statement. I have requested a further investigation regarding this matter but the problem became disregarded by the company. I appreciate your prompt attention regarding this matter. In addition, I would like a confirmation receipt to keep me notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: MO

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF 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 2024-12-03 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: NY

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: TN

Complaint narrative:
Creditor Name : XXXX, XXXX Disputed Information : Balance : {$1500.00} ( incorrect ). 
Status : " Charge-off '' ( inaccurate/unverified ). 
Payment History : 64 % on-time payments conflict with " Charge-off. '' Late Payments Count : Listed as " XX/XX/XXXX '' ( error ). 
Last Payment Date : XX/XX/XXXX ( disputed ). 
Remarks : " Consumer disputes - reinvestigation in progress '' needs updating. 
Dispute Reason Codes : 103 : Claims inaccurate information account balance.

112 : Claims inaccurate information payment history.

113 : Claims inaccurate information account status.

202 : Disputes current payment status.

208 : Disputes other information.

Compliance Condition Code : XB : Consumer disputes ; investigation in progress. 
Detailed Explanation : The following inaccuracies exist in the reported information : The balance of {$1500.00} is incorrect and unverified. 
The charge-off status conflicts with a payment history showing 64 % on-time payments. 
The late payment count ( " XX/XX/XXXX '' ) appears to be a formatting or reporting error. 
The last payment date of XX/XX/XXXX, does not match my records. 
Requested Action : Reinvestigate and verify the accuracy of all details with XXXX, XXXX. 
Provide evidence of balance, charge-off status, and payment history. 
Correct or delete all inaccuracies in compliance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc.
State: CA

Complaint narrative:
The presence of these unauthorized accounts and inquiries has caused considerable concern about my financial stability. It is crucial that my credit report accurately represents my financial history, as it plays a vital role in informing potential lenders about my financial management. Therefore, I am requesting an urgent investigation and swift correction of the following inaccuracies and unauthorized accounts. 

Late Payment XXXX XXXX XXXX XXXXXXXX - {$0.00} Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Macy 's automated system informed me on XX/XX/year>2024 that I was paying my balance in full ( XXXX ). Come to find out after my credit score suddenly goes down that I have " missed '' a payment for the first time in my life. I went back to Macy 's online and found that I owed XXXX. After arguing with the automated system to get a human on the phone, pressing XXXX a bunch of times, and finally getting a human person to talk to, I asked how this was possible given that I had made a payment on XX/XX/year>2024. They said I had made a minimum payment, not paid the full balance. I am 100 % sure I made a payment in full as this is what I have done for 15 years every time I've paid on a credit card. They then charged me a ridiculous number of fees and interest. I made a payment in full of XXXX today, XX/XX/year>2024, and cancelled my card because on top of this, Macy 's just upped their interest rate to nearly 35 %, which is usurious and not what I agreed to. Yet, this cancellation will now reflect negatively on my credit, even though it was Macy 's who took the actions that led me to cancel the card.

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 monetary relief
Consumer complaint received 2024-12-02 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: OH

Complaint narrative:
XX/XX/XXXX These ILLEGAL ACCOUNTS MUST BE REMOVED IMMEDITELY! 

Under USC Sec 15 1681, 1682, 1683, 1684, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1200.00} XXXXXXXX XXXX XXXXXX/XX/XXXX {$860.00} XXXX XXXX XX/XX/XXXX Balance {$410.00} XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$15000.00} XXXX  XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$440.00}

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 2024-12-03 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: NY

Complaint narrative:
Due to a data breach, my personal information was compromised, resulting in unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me but remain on my report, adversely affecting my credit profile. Despite my efforts to resolve these inaccuracies, they persist, raising significant concerns about the security of my personal information and the accuracy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all 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 2024-12-02 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/year> Portfolio Recovery Associates LLC Dispute Department XXXX Dear : Dispute Department I am writing in response to your letter dated XXXX XXXX XXXX regarding my dispute of the alleged debt of {$590.00}, which you are attempting to collect. This letter follows my previous correspondence dated XXXX XXXX XXXX, where I disputed the debt and requested verification in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ). Specifically, I requested a copy of the signed contract associated with this debt, as well as a cease-and-desist from all collection activities, including reporting this matter to credit reporting agencies. 
Your response does not satisfy my request, and I believe you are in violation of the FDCPA. Let me address the issues in detail : 1. Failure to Provide Verification You have failed to provide the proper verification of the alleged debt. In my initial request, I asked for a signed contract or agreement to substantiate the debt. Instead, you mailed me copies of monthly statements, which are not legally sufficient as they do not represent an agreement or contract between the parties involved. Under the FDCPA, it is an unfair and unconscionable practice to attempt to collect a debt that is not supported by a valid, signed agreement. 
2. Failure to Cease Collection Activity In addition, you have failed to comply with my request to cease and desist all collection activity, including the reporting of the alleged debt to consumer credit agencies. Reporting an allegedly disputed debt without proper verification and in violation of my rights is a deceptive and misleading practice under the FDCPA. Your continued reporting of this debt to credit bureaus, despite my dispute, constitutes a violation of the law. 
Furthermore, I am concerned that my personal information has been shared without my consent. This constitutes an additional violation of my rights under the FDCPA and applicable privacy laws. 
To summarize, I am requesting the following : 1. Immediate cessation of all collection activity, including any further reporting of the alleged debt to any consumer credit reporting agency.

2. Proper verification of the alleged debt, specifically a copy of the signed contract, as initially requested.

3. Deletion of any and all credit reports related to this alleged debt. 
Failure to resolve these matters promptly will leave me no choice but to take further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. 
Thank you for your attention to this matter. I expect your prompt and thorough response to my request. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation