vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 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:
To Whom It May Concern, In accordance with the Fair Credit Reporting Act ( FCRA ), I am disputing the following accounts that appear on my credit report but do not belong to me. Please remove these accounts promptly : XXXX  Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX These accounts are not mine, and I did not authorize their reporting. Reporting these accounts violates my rights under the following provisions of the FCRA : 15 U.S.C. 1681 Section 602 ( a ) : I have a right to privacy, which has been infringed upon by the reporting of unauthorized accounts. 
15 U.S.C. 1681 Section 604 ( a ) ( 2 ) : Consumer reporting agencies can not furnish accounts without my explicit written instructions, which were not provided in these cases. 
I request that you investigate and remove these accounts from my credit report immediately. Please provide written confirmation of the actions taken regarding this matter. 

Thank you for your attention to this urgent matter. I look forward to your prompt response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 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: OH

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-11-26 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: NJ

Complaint narrative:
As Experian 's records show, various requests were sent via certified mail requesting original documentation from the furnishers under Section 609 of the FCRA. These requests were ignored and never fulfilled. These violations will have to be resolved at a later date in a US district court of competent jurisdiction as stated in 15USC 1681p. In addition, there are several charged off accounts ( or discharged accounts ) which should be deleted from my credit profile because according to the Supreme Courts these credit furnishers can not collect discharged debts. These furnishers may not make any attempt to collect a discharged debt. These furnishers can not assert a deficiency, or otherwise try to collect from the debtors personally on discharged debts. Creditors who violate this order can be required to pay debtors damages and attorneys fees. https : //www.supremecourt.gov/opinions/URLs_Cited/OT2018/18-489/18-489-1.pdf One of the charged off accounts ( XXXX ) is connected to an inaccurate address. Experian 's continued refusal to remove these charged off accounts is a clear violation of 15 USC 1681 n and 15 USC 1681 s-2 and 18 USC 1001 as well. According to the attached Internal Revenue Service instructions for the 1099 A and 1099C, charged off accounts are considered income. Income as shown in the attached statement from Experian is not included on credit reports. The Internal Revenue Service states : File Form 1099-C, Cancellation of Debt, for each debtor for whom you canceled a debt owed to you of $ XXXXFile Form 1099-C if you are any of the following. 1. A financial institution described in section 581 or 591 ( a ) ( such as a domestic bank, trust company, building and loan association, or savings and loan association ) 4. A corporation that is a subsidiary of a financial institution or credit union, but only if, because of your affiliation, you are subject to supervision and examination by a federal or state regulatory agency 6. Any organization whose significant trade or business is the lending of money, such as a finance company or credit card company ( whether or not affiliated with a financial institution ). Under the section Statements to Debtors, the Internal Revenue Service states : If you are required to file Form 1099-C, you must provide a copy of Form 1099-C or an acceptable substitute statement to each debtor. By intentionally reporting income as a debt when the alleged debts are not collectible, Experian has not only disobeyed the FCRA, but XXXX XXXX is also conspiring with the furnishers to commit tax fraud and other 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 explanation
Consumer complaint received 2024-11-26 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: PA

Complaint narrative:
According to 15 US code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft, not later than 4 business days after the date of receipt. It has been over 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please remove this item IMMEDIATELY! This account should not be furnished on my consumer report as they are in VIOLATION!! Under, 15 US code 1681b - Permissible purposes of consumer reports ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. I'm demanding that the listed account be removed IMMEDIATELY!! 

XXXX XXXX {$370.00} XXXX XXXX XXXX {$490.00}

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 non-monetary relief
Consumer complaint received 2024-11-26 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: TX

Complaint narrative:
Errors in my credit report list late payments incorrectly. Requesting an accurate update.

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 2024-11-26 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-11-26 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: NV

Complaint narrative:
After reviewing my credit report, I am NOT responsible for these fraudulent accounts and inquiries. Someone stole my identity and generated fraudulent accounts and inquiries in my name. These accounts and inquiries are fraudulent, damaging my credit score, and should not be furnished on my consumer report as they are in VIOLATION!!! 

Under 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) by the WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the unauthorized accounts and inquiries listed IMMEDIATELY! 

15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15 USC 1681 ( a ) ( 2 ), any consumer reporting agency may furnish a consumer report and no other : By the written instructions of the consumer to whom it relates. 

15 U.S.C 1666b ( a ) A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

I request your company to provide verifiable documentary proof ( original consumer contract or similar proof bearing my wet ink signature on it ) that you have on file of accounts/inquiries/information listed below. Under the FCRA, you must remove all unverified, invalid, derogatory accounts/inquiries/information from my consumer report if you do not provide documented and verifiable proof. 

The consumer report that was prepared under my social security number by TransUnion is reporting inaccurate information, which is a violation of The Fair Credit Reporting Act. 

Ive listed the following inaccurate information below from my TransUnion Consumer Report that must be removed.

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 2024-11-26 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: NC

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following :

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 2024-11-26 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: NC

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following :

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 2024-11-26 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: Solar Mosaic LLC
State: NY

Complaint narrative:
A company called XXXX XXXX offered me a great deal on installing solar panels. They said the first year, I would pay nothing. Also, they said they would manage the project for 25 years. So, if there are any problems, they will fix it for free. The installation was never completed and never operated. They linked me to a bank called Mosaic, which should finance the project. Now, the bank is asking me to pay monthly loans of {$180.00} for 25 years, for a total loan of {$28000.00}. However, XXXX XXXX gave me a fake address and phone number. I don't know where to find them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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: NV

Complaint narrative:
After reviewing my credit report, I am NOT responsible for these fraudulent accounts and inquiries. Someone stole my identity and generated fraudulent accounts and inquiries in my name. These accounts and inquiries are fraudulent, damaging my credit score, and should not be furnished on my consumer report as they are in VIOLATION!!!

Under 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) by the WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the unauthorized accounts and inquiries listed IMMEDIATELY!

15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15 USC 1681 ( a ) ( 2 ), any consumer reporting agency may furnish a consumer report and no other : By the written instructions of the consumer to whom it relates.

15 U.S.C 1666b ( a ) A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

I request your company to provide verifiable documentary proof ( original consumer contract or similar proof bearing my wet ink signature on it ) that you have on file of accounts/inquiries/information listed below. Under the FCRA, you must remove all unverified, invalid, derogatory accounts/inquiries/information from my consumer report if you do not provide documented and verifiable proof. 

The consumer report that was prepared under my social security number by XXXX is reporting inaccurate information, which is a violation of The Fair Credit Reporting Act. 

Ive listed the following inaccurate information below from my Equifax Consumer Report that must be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Linebarger Goggan Blair & Sampson LLP
State: TX

Complaint narrative:
received a fraudulent letter that did not go through the post office mail demanding money / federal reserve notes ( debt notes ) i called XXXX ( XXXX ) XXXX and spoke with XXXX XXXX and I was trying to figure out how they got my private information. she said that her client/ the tribunal gave them my information. I did not give any of these corporate fictions my information. You only summons the dead!!!!!!! 

I am living! These persons have threated me, that if I do not pay them that they will put in jail. where is the certified copy of the contract? 

I am in fear of my life!!!!!!!!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX how can a attorney be a JUDGE!!! 
there are 2 entities XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please forward to all REGULATORS They are involved in deceptive practices and are embezzling from the people. 

and also send to the inspector general for mail fraud TAXATION, fraud. securities fraud, Identity theft, Embezzlement They are professional thieves.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Marlette Funding, LLC
State: SC

Complaint narrative:
Best Egg ( original creditor is XXXX XXXXXXXX XXXX XXXX  has charged this account off on my credit report. They have sold this account to XXXX XXXX XXXX to collect the debt and now XXXX XXXX XXXX has contracted XXXX XXXX XXXX to collect the debit but XXXX XXXX is also trying to collect as well. So I have received documentation from 2 companys trying to collect on the same account. 
XXXX XXXX is trying to collect the original amount owed for XXXX XXXX and XXXX XXXX is trying to collect a different amount

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc.
State: TN

Complaint narrative:
EASTERN ACCOUNT SYSTEM has reported a debt for collections although debt has been paid in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Issues with repayment — 
Company: Payactiv, Inc.
State: TX

Complaint narrative:
What Happened : Ive experienced repeated issues with PayActivs XXXX XXXX XXXX XXXX XXXX XXXX service, which has caused financial harm due to inaccurate and duplicate payroll deductions. Despite multiple attempts to resolve the matter through their customer support channels, the issue remains unresolved. 

XXXX XXXX : XX/XX/year> : On XX/XX/year>, {$200.00} was deducted from my paycheck inaccurately. 
Despite contacting PayActiv, the refund was delayed for weeks, causing overdraft fees and penalties. 
XX/XX/year> : On XX/XX/year>, {$400.00} was deducted from my paycheck. 
On XX/XX/year>, {$270.00} was deducted, which appears to overlap with the previous deductions. 
XX/XX/year> : On XX/XX/year>, deductions were made for XXXX XXXX transactions. 
On XX/XX/year>, the same three transactions were deducted again, totaling {$270.00}. Two additional deductions were valid but increased the financial impact. 
Actions Taken by Me : I contacted PayActiv support via email, chat, and phone multiple times to address the duplicate deductions. 
I also filed a complaint with the XXXX XXXX XXXX XXXX XXXX Complaint ID : XXXX ). 
PayActivs response included a partial refund of {$240.00}, which does not match the total amount owed, and no records were provided to explain the discrepancy. 
Actions Taken by PayActiv : Their customer service team has provided inconsistent responses, and they have not resolved the issue fully.

Refunds were delayed or incomplete, and they have failed to clarify which transactions the refunds were for.

Financial Impact : These repeated errors have caused overdraft fees, penalties from other companies, and significant stress. PayActivs lack of transparency and accountability has exacerbated the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I am writing to formally dispute the late payment appearing on my credit report for the account with Citibank XXXX account number. This entry, reported on XX/XX/2024, results from a billing error, which falls under the protections provided by the Fair Credit Billing Act ( 15 U.S.C. 1666 ). I contacted them numerous times and feel like Im being bullied for their errors.

According to the Act, consumers have the right to dispute billing errors, including those that result in late fees or incorrect reporting to credit bureaus. The late payment is inaccurate because I was never provided with the correct billing statement on time.

Under the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act, I respectfully request that this inaccurate late payment entry be investigated and removed 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 non-monetary relief