vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: FL

Complaint narrative:
On the XXXX of XXXX, I noticed I had a collection reporting on my XXXX and XXXX XXXX XXXX. Id never received a debit collection notice from I C Systems for this account, yet they were reporting on my credit reports. On the XXXX of XXXX, I sent I C SystemXXXX a debit validation letter that was received on XX/XX/XXXX at XXXX. As of this day Ive yet to receive a response from them. On XX/XX/XXXX, I sent a letter to XXXX and XXXX requesting the account get deleted because the company could not validate the debit after XXXX days ( as of the date I wrote the letter to them ). I havent heard a response from XXXX, but XXXX sent me an email ( which on multiple occasions Ive told them to cease and desist sending emails for disputes and only reply via mail ) and said that the information had been verified by the collection company.

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 2024-09-05 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened at XXXX XXXX XXXX  XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a third party credit agency opened at XXXX XXXX  XXXX on XX/XX/XXXX under account number XXXX. Account opened at XXXX XXXX XXXX on XX/XX/XXXX the account number XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 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 credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened at XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a third party credit agency opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX. Account opened at XXXX XXXX XXXX on XX/XX/XXXX the account number XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 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 credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened at XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a third party credit agency opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX. Account opened at LVNV Funding LLC on XX/XX/XXXX the account number XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 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 credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
XX/XX/year> I deposited a check ( in person ) into my checking account in the amount of {$17000.00}. The banker informed me that the remaining amount would be available within XXXX business days. 
XX/XX/year> {$220.00} of the {$17000.00} was available for use. 
XX/XX/year> I contacted customer support regarding the remaining funds availability. The representative stated that the bank had to place an extended hold on the check because they were not able to verify funds from the check issuer XXXX XXXX. The representative then stated, fund would be available XX/XX/scrub>XXXX XXXX XXXX XXXX 
XX/XX/year> I checked my account and funds still arent available. 

*Per XXXX XXXX guidelines for funds greater than {$220.00} and if there has to be an extended hold on fundsXXXX XXXX will contact the account holder to inform there will be an extended hold. Additionally, per guidelines it states that extended holds are within XXXX business days. 
XXXX XXXX has not provided the service I expected as an account holder and withholding my funds and not informing me is not acceptable as I am not able to make necessary arrangements within timely manner for my daily life needs if I am not informed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 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: NC

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Andaccording to 15 USC 1681s-2 they are suppose to 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. 
Resources

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 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:
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 explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bay Area Receivables, Inc
State: MD

Complaint narrative:
Received a copy of the bill on XX/XX/year> from XXXXXXXX XXXX via email. I reviewed it and found that the tax/ssn on the bill is not mine and the birthdate is also not mine. I replied back stating that on XX/XX/scrub>XXXX Email communication to me stopped until XX/XX/year> they attempted to call instead leaving voicemails stating that communication by phone is better since XXXX is her second language ( I have that voicemail ) I continued to follow up via email. Received a reply email on XX/XX/year> saying there nothing she can do other than mark it disputed. Final email received on XXXXXX/XX/year> she states there are typos on the bill that cant be fixed. This is concerning. No government institution, financial institution, employment would accept that from me so how is it that its supposed to fine for them and I have to accept it. Admitted typos brings into question the validity of the amount on the bill. I have this email chain between us archived.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 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: MI

Complaint narrative:
I recently reviewed a copy of my credit report and was shocked to discover identity theft. I found a few accounts on my credit report that were not opened by me. This has been troubling me greatly, especially as I am in the process of purchasing a home for my family. I kindly request the immediate removal of these fraudulent accounts from my credit report, and have identified inaccuracies, incomplete information, and accounts that remain unverified. In accordance with the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA, you are obligated to expeditiously REMOVE all data that is inaccurate, incomplete, or unverifiable.

It is my understanding that under the FCRA, 15 U.S.C. 1681i, each and every aspect, whether unproven, non-compliant, incomplete, untrue, incorrect, or unverified, pertaining to alleged derogatory accounts must be expeditiously negated in its entirety, or said accounts should be entirely deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 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: MI

Complaint narrative:
I recently reviewed a copy of my credit report and was shocked to discover identity theft. I found a few accounts on my credit report that were not opened by me. This has been troubling me greatly, especially as I am in the process of purchasing a home for my family. I kindly request the immediate removal of these fraudulent accounts from my credit report, and have identified inaccuracies, incomplete information, and accounts that remain unverified. In accordance with the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA, you are obligated to expeditiously REMOVE all data that is inaccurate, incomplete, or unverifiable.

It is my understanding that under the FCRA, 15 U.S.C. 1681i, each and every aspect, whether unproven, non-compliant, incomplete, untrue, incorrect, or unverified, pertaining to alleged derogatory accounts must be expeditiously negated in its entirety, or said accounts should be entirely deleted.

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 2024-09-05 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: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as information requested from the list of acceptable items which is only 2 are required per the law. I have provided all documentation as well as victim determination letter according to 1022.142 ( b ) ( 6 )

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 2024-09-05 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-09-05 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: CA

Complaint narrative:
I just looked at my consumer credit report from Experian XXXX XXXX, XXXX. I saw some hard inquiries on my credit report that did not have permissible purpose. I also attached the evidence XXXX. [ XXXX XXXX XXXX XXXX XX/XX/XXXX ] : Delete this hard inquiry because it doesnt have permissible purpose according to 15 USC 1681 B XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Delete this hard inquiry because it doesnt have permissible purpose according to 15 USC 1681 B XXXX. [ XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX ] : Delete this hard inquiry because it doesnt have permissible purpose according to 15 USC 1681 B XXXX. [ XXXX XXXX XXXXXXXX - XX/XX/XXXX ] : Delete this hard inquiry because it doesnt have permissible purpose according to 15 USC 1681 B XXXX. [ XXXX XXXX XXXXXXXX - XX/XX/XXXX ] : Delete this hard inquiry because it doesnt have permissible purpose according to 15 USC 1681 B XXXX. [ XXXX XXXX - XX/XX/XXXX ] : Delete this hard inquiry because it doesnt have permissible purpose according to 15 USC 1681 B XXXX. [ XXXX XXXX - XX/XX/XXXX ] : Delete this hard inquiry because it doesnt have permissible purpose according to 15 USC 1681 B XXXX. [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] : Delete this hard inquiry because it doesnt have permissible purpose according to 15 USC 1681 B XXXX. [ XXXX XXXX XXXX  - XX/XX/XXXX ] : Delete this hard inquiry because it doesnt have permissible purpose according to 15 USC 1681 B XXXX. [ XXXX XXXX - XX/XX/XXXX ] : Delete this hard inquiry because it doesnt have permissible purpose according to 15 USC 1681 B XXXX. [ XXXX XXXX XXXX - XX/XX/XXXX ] Delete this hard inquiry because it doesnt have permissible purpose according to 15 USC 1681 B XXXX. [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] : Delete this hard inquiry because it doesnt have permissible purpose according to 15 USC 1681 B XXXX. [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Delete this hard inquiry because it doesnt have permissible purpose according to 15 USC 1681 B

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 2024-09-05 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 need your help with a false account on my credit report that has damaged my reputation. Your errors in handling my credit have caused significant distress, and I urge you to correct these mistakes so I can live peacefully 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 2024-09-05 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:
My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

This company never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.

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 2024-09-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I recently reviewed a copy of my credit report and was shocked to discover identity theft. I found a few accounts on my credit report that were not opened by me. This has been troubling me greatly, especially as I am in the process of purchasing a home for my family. I kindly request the immediate removal of these fraudulent accounts from my credit report, and have identified inaccuracies, incomplete information, and accounts that remain unverified. In accordance with the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA, you are obligated to expeditiously REMOVE all data that is inaccurate, incomplete, or unverifiable. 

It is my understanding that under the FCRA, 15 U.S.C. 1681i, each and every aspect, whether unproven, non-compliant, incomplete, untrue, incorrect, or unverified, pertaining to alleged derogatory accounts must be expeditiously negated in its entirety, or said accounts should be entirely deleted.

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