vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal 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 explanation
Consumer complaint received 2024-10-22 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 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: TX

Complaint narrative:
I have recently deputed this account but XXXX Transunion and XXXX are not doing their job by reporting accurate information on my credit report. This fraudulent, inaccurate and false information consist of personal credit account opened at XXXX on XX/XX/XXXX under the account number XXXX, also XXXX  XXXX XXXX opened on XX/XX/XXXX under the account number XXXX also credit account XXXX opened on XX/XX/XXXX account number XXXX. 
I have requested a 1099 cancellation of debt form from the company and XXXX, XXXX, and transunion but they have failed to provide me a 1099 Another reason for this inaccurate information should be removed from my account because they have violated my right for repeatedly reporting charge-off C/O every month. This is an update in the payment history, A Charge off account should Not include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the aforementioned account. 
This account has been sold to a diff company also and still reporting is a violation of my rights. 
Truth in lending act ensures that you receive a clear and honest disclosure of the Terms of your credit report agreement but this company has also violated my right as a consumer which makes this account inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
XXXX XXXX XXXX SEE NOTICE OF DISPUTE LETTER ATTACHED BELOW This is my final dispute for the inaccurate reporting of XXXX CHILD SUPPORT Account number : XXXX on my credit report maintained by Equifax. 

Reporting of Outdated Child Support Judgments It is well-established under 15 U.S.C. 1681c ( a ) ( 4 ) of the FCRA that no civil judgment, including child support judgments, should be reported on a consumers credit report if it is more than XXXX years old, regardless of whether the judgment has been paid or remains unpaid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, XXXX, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 2024-10-22 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: TX

Complaint narrative:
I am filing this FTC Identity Theft to report XXXX separate fraudulent accounts appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a COLLECTION opened at XXXX XXXX {$680.00} on XXXX COLLECTION opened at XXXX {$490.00} on XXXX COLLECTION opened at CREDIT COLL {$620.00} on XXXX COLLECTION opened at XXXX {$4600.00} on XXXX COLLECTION opened at XXXX XXXX XXXX {$910.00} on XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that akk collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2024-10-22 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: TX

Complaint narrative:
I am filing this FTC Identity Theft to report XXXX separate fraudulent accounts appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a COLLECTION opened at XXXX XXXX {$680.00} on XXXX COLLECTION opened at XXXX {$490.00} on XXXX COLLECTION opened at CREDIT COLL {$620.00} on XXXX COLLECTION opened at XXXX {$4600.00} on XXXX COLLECTION opened at XXXX XXXX XXXX {$910.00} on XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that akk collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I tried to dispute this debt as not being mine and was opened fraudulently. The company sent me statements with an address i did not live at and said the debt is valid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: OH

Complaint narrative:
I've had previous issues from this company in regards to payments and how and when they are applied. I truly hope someone from CFPB is reading this because the amount of stress TD Bank causes with what I believe are fraudulent practices is unbelievable. I've attached statements that show I made payments to cover the XXXX and XXXX minimum amounts that are due. Then this morning I get an email that my XXXX bill is {$340.00}. That's double the normal {$150.00}. I've read the statements and billing cycles dates for both and can not understand why the payment doubled. 

Now with a " normal '' creditor I would contact the lender. You can't do that with TD Bank. Oh they say they have a customer service number but I've tried calling it numerous times and you can not reach anyone. You literally will sit waiting for hours, not an exaggeration. How about messaging them through their website? Well I've waited for a response from my last inquiry that was back on XX/XX/XXXX. XXXX months and I still don't have a response. 

Honestly something needs to be done. My payment doubled and I have to spend more time trying to find someone to explain this to me. Can't wait to hear the financial loopholes they'll exploit on this issue. The company is pure and simple, nothing but a scam. You make your payments and they play games with the processing of them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I hope this helps you to understand my problem that I am having with this institutions I am an individual who happens to have a business accounts at Chase Bank, XXXX They both closed my personal accounts at first without any explanation and they insisted that they will send the remaining balance to my address, that was a XXXX. 

Now that I have a Chase Bank is about to do the same thing to close my accounts, because they have closed my personal account, and they have insisted that they will send a check to home address instead of giving me a cashier check, or transfer the fund to my business account. 
I have a clean background That is why I am speaking your help, to help me to solve my problem Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: AR

Complaint narrative:
According to the IRS, a charged off debt are considered an income, 15 USC 1681 ( 2 ) ( a ) ( i ). Income is forbidden to be on a consumers credit report/file. The original credit, XXXX XXXX XXXX XXXX wrote the debt off on their taxes and received a profit ... ... ... ... ... ... ..... 
... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...... 
FCRA Section 623, 15 USC 1681s-2, Responsibilities of Furnishers Info ... ......

... ... ... ... ... ... ... ... ... ... ... ... ......

12 CFR 1006.34c, Notice For Validations Of Debt ... ......

... ... ... ... ... ... ... ... ... ... ... ... .....

I am exercising my rights under the FDCPA to request the following information : 1. The Purchase Assignment Agreement XXXX. XXXX XXXX XXXX is authorized to collect on behalf of the XXXX XXXX XXXX XXXX 
XXXX. XXXX XXXX of XXXX XXXX. Documentation of all assignments showing the transfer of the debt from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 
XXXX. Proof that XXXX XXXX XXXX XXXX  " securitized '' the debt. 
XXXX. Documentation showing the assignments of the debt from XXXX XXXX XXXX XXXX to the Secured Trust and then back to XXXX XXXX XXXX XXXX XXXX.. 
XXXX. A contract between myself ( XXXX XXXX ) and XXXX XXXX XXXX that bears my signature wherein I agreed to pay XXXX XXXX XXXX ( & XXXX XXXX XXXX XXXX XXXX XXXX The amount paid to purchase this debt from XXXX XXXX XXXX XXXX. 
XXXX. The XXXX, since this debt has been charged off, written off. 
XXXX. The authorized printed and signed signature of XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. 
XXXXThis Is Inaccurate Information?????????????? 
XXXX. The Account is reporting as A Charge Off, and as Past Due, but no no actual payment amount, and open. How can this account be reporting as past due, and open and charged off, without a scheduled payment, no date of last payment, and a date of delinquency of XX/XX/year>??????????????????????????????????????????????????????????????????? 
... ... ... ... ... ... ... ... ... ... ... ... ... ..... 
I am demanding that XXXX XXXX XXXX " DO NOT '' send me a printed computer generated itemized statement of a bill. I AM NOT requesting a bill statement. Please DO NOT SEND another bill statement from XXXX XXXX

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 2024-10-22 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal 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 2024-10-22 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
There were many incorrect information on the account, I filed a dispute with the company but they didn't stop collection action after my dispute. Its not allowed be any false information on the report, even it's {$0.00}. They ignored my dispute and file collection to my credit report qith false information its against the fair credit law.

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 2024-10-22 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:
TransUnion LLC Consumer Dispute Center XXXX XXXX XXXXXXXX XXXX, PA XXXX RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$150.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$520.00} XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$800.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$660.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$1400.00} INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.

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 2024-10-22 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: FL

Complaint narrative:
This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that the Consumer Financial Protection Bureau ( CFPB ) assist in the removal of fraudulent accounts appearing on my credit report. These accounts were opened as a result of identity theft and contain inaccurate and false information. The fraudulent accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} These accounts have resulted in fraudulent credit reporting and collections on my consumer credit report. I demand that these fraudulent items be removed immediately and that all related collection activities cease in accordance with my rights under the FCRA and FDCPA.

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 2024-10-22 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:
RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1500.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$150.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$520.00} XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$800.00XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$660.00} INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.

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 2024-10-22 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: GA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, XXXX, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: CA

Complaint narrative:
RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX XXXXXXXX - XXXX - XX/XX/year> - {$3200.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.

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