vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Yes Online Inc
State: DE

Complaint narrative:
When leaving my duty station in XXXX, I cancel my phone contract with my military orders and did everything correctly. The XXXX XXXX XXXX wrote off the remaining balance. This company bought up this written of debt and is trying to collect. When you review this companies XXXX  reviews you will see it is 90 % service members in the XXXX position. When I contacted the company to get proof the debt was mine all they sent was a bill that was all in XXXX. When I told them how I cancelled it they stated that the XXXX XXXX XXXX XXXX doesnt matter and they were going to collect. On top of that researching the employees name that continues to contact me I have found out he was a practicing attorney in California and has since been disbarred.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I bought XXXX XXXX dollar AMEX egift cards on XX/XX/year>XXXX  and XX/XX/year>XXXX  totaling to XXXX dollars. I have tried using them on countless websites and none of them were able to accept the AMEX gift cards. I have done research on where I can use these cards and have found that many are going through the same issues I am. The places that do accept the gift cards are places I would not want to spend my money at. I would like to be able to spend the money however way I want. When reached out to the company, I was told that there was nothing that they can do and that I just need to spend it at places that accepts it. There isn't any places!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-16 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: MS

Complaint narrative:
After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As you know it is against the law to report any information not proven accurate. 
I demand that you provide me with concrete evidence of my obligation to said accounts. 
Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. 

I am not in dispute of the ownership of the account but if you are unable to to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 


Best Regards, XXXX XXXX Without Prejudice, All Natural Inalienable Rights

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 2024-11-16 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: PA

Complaint narrative:
I am writing to inform you that I am a victim of a data breach, and I respectfully request the immediate blocking and deletion of the following fraudulent accounts from my credit report. 
Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am exercising my rights to have these accounts blocked and permanently deleted. 
Fraudulent Accounts : DEPTEDXXXX XXXXXXXX XX/XX/year>XXXX  {$0.00} XXXX XXXX XX/XX/year>XXXX  {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 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: IL

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 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: KS

Complaint narrative:
I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : Collection/Charge Off : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 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:
Subject : Formal Dispute of Inaccurate Credit Reporting and Request for Documentation To Whom It May Concern, I am writing to dispute the accuracy of an account listed on my credit report under 15 USC 1681s-2, which mandates the reporting of accurate and verifiable information. 

The account in question is as follows : Account Name : [ XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ] Account Number : [ XXXX ] Date Listed : [ XXXX. XXXX, XXXX  ] This account is inaccurately reporting a balance despite being charged off. Per XXXX XXXX XXXX XXXX XXXX, the issuance of a 1099-C form by a creditor constitutes an identifiable event of debt cancellation under IRS guidelines . Specifically, Event Code 7 defines a discharge of indebtedness as occurring due to a decision by the creditor to cease collection activity and cancel the debt.

If a 1099-C form has been issued for this account, it indicates the debt has been canceled, making the continued reporting of a balance both inaccurate and misleading. I formally request : 1. Provision of the 1099-C Form
: If issued, provide a copy to verify the debt cancellation and identifiable event.

2. Verification of the Balance : Provide documentation showing the accuracy and collectibility of the reported balance.

3. Deletion of the Account : If the debt has been discharged or can not be verified, this negative information must be removed from my credit report immediately.

4. Issuance of the Vehicles Title ( XXXX XXXX ) : Since the account has been charged off, I request that the vehicles title ( XXXX XXXX XXXX  be released to me, as the debt has been effectivel

y discharged under the law. I expect your response within 30 days of receipt of this letter, as required under the Fair Credit Reporting Act. Failure to address these issues adequately will necessitate further action to protect my rights. Thank you for your immediate attention to this matter. I look forward to a prompt resolution. 

Sincerely, XXXX 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 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Subject : Formal Dispute of Inaccurate Credit Reporting and Request for Documentation To Whom It May Concern, I am writing to dispute the accuracy of an account listed on my credit report under 15 USC 1681s-2, which mandates the reporting of accurate and verifiable information.

The account in question is as follows : Account Name : [ XXXX XXXX XXXXXXXX XXXX, CALIFORNIA XXXX ] Account Number : [ XXXX ] Date Listed : [ XXXX. XXXX, XXXX  ] This account is inaccurately reporting a balance despite being charged off. Per XXXX XXXX XXXX XXXX XXXX, the issuance of a 1099-C form by a creditor constitutes an identifiable event of debt cancellation under IRS guidelines . Specifically, Event Code 7 defines a discharge of indebtedness as occurring due to a decision by the creditor to cease collection activity and cancel the debt.

If a 1099-C form has been issued for this account, it indicates the debt has been canceled, making the continued reporting of a balance both inaccurate and misleading.

I formally request : 1. Provision of the 1099-C Form : If issued, provide a copy to verify the debt cancellation and identifiable event.

2. Verification of the Balance : Provide documentation showing the accuracy and collectibility of the reported balance.

3. Deletion of the Account : If the debt has been discharged or can not be verified, this negative information must be removed from my credit report immediately. 

XXXX. Issuance of the Vehicles Title ( XXXX XXXX ) : Since the account has been charged off, I request that the vehicles title ( XXXX XXXX  ) be released to me, as the debt has been effectively discharged under the law.

I expect your response within 30 days of receipt of this letter, as required under the Fair Credit Reporting Act. Failure to address these issues adequately will necessitate further action to protect my rights. 

Thank you for your immediate attention to this matter. I look forward to a prompt resolution. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 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: VA

Complaint narrative:
Equifax has still allowed information from credit account to be reported. I have did a dispute back with them in XXXX and they responded XXXX. I informed them that they were reporting inaccurate information on my credit report and other fcra laws that they are violating which I will list for a third time. 
- 15 usc 1681 section 602- states I have the right to privacy. 
- 15 usc 1681 section 604 A Section 2- states a consumer reporting agency can not furnish a account without my written instructions. 
- 15 usc 1666b- a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose. The account shows inaccurate late reporting. The account does not even show XXXX  days late on this account but shows XXXX ... for the month of XXXX it shows no data available which is incorrect as well. it does not show the XXXX pair due before it even got to the charge off point of the credit which means the time frames are wrong and does not properly align with the steps and dates before reaching charge off. Again multiple charge off being reported, until 2024 but no data available shown for XX/XX/year> but shows every other month before then of charge off each month. That is incorrect. PER FCRA charge off only shows on credit XXXX TIME FROM SAME ACCOUNT not multiple. I address this several times as well. 
I have addressed the late fees on this account multiple times. the last response stated they updated and modified the account on my end. They still modified and updated it wrong. PER FCRA LAW 15 usc 1681n - I have made Equifax very aware of the reporting information being inaccurate and they still reported wrong, Knowingly reported it wrong at that. if this issue is not fixed and removed from my credit report I will be seeking out payment for each incorrect information reported to Equifax. This information is being reported needs to be looked at and investigated AGAIN. This account needs to be removed from my credit report and updated by all three credit bureaus as well. Per FCRA 15 U.S.C 16811, all unverified and inaccurate information must be promptly DELETED. Non compliance with the request for deletion if you can not produce XXXX XXXX COMPLIANT EVIDENCE will force my legal team to file complaints with the Attorney General of Virginia along with any further legal action we deem necessary including but not limited to civil and punitive damages. Below I will attach the information I am specking in reference too and also previous response of them confirming they updated and modified and IT IS STILL INCORRECT!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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: NC

Complaint narrative:
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 - {$0.00} XXXXXXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$0.00XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00}

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 2024-11-16 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: MI

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX - XX/XX/XXXX XXXX {$0.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX  - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$170.00} XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX - {$530.00} XXXXXXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$480.00} XXXX - XXXX XXXX XX/XX/XXXX - {$1700.00} XXXXXXXX XXXX  - XXXX - XX/XX/XXXX XXXX {$950.00} XXXX XXXX - XXXX - XX/XX/XXXX XXXX {$84.00} XXXX - XXXX - XX/XX/XXXX - {$120.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$610.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$670.00} INQUIRIES : XXXX XXXX XX/XX/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 2024-11-16 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX A, has violated my rights, 15 U.S.C 1681 Section 602 A, States I have the right to privacy.

15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
15 U.S.C 1692b acquisition of location information by debt collectors

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 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am writing to inform you that I am a victim of a data breach, and I respectfully request the immediate blocking and deletion of the following fraudulent account from my credit report. 
Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the removal of these fraudulent entries. 
Fraudulent Account : 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

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 2024-11-16 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: GA

Complaint narrative:
I am writing to formally request the blocking and deletion of fraudulent accounts from my credit report, as I am a victim of a data breach that has resulted in unauthorized activity. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these accounts removed from my credit file.

Accounts to Block and Delete : XXXX. XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$5300.00} XXXX. XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$4400.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$14000.00} XXXX. XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$7800.00} XXXX. XXXXXXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$8500.00} XXXX. XXXX - Account XXXX : XXXX - XXXX : XX/XX/XXXX - Balance : {$5100.00} XXXX. XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$12000.00} XXXX. XXXX - Account Number : XXXX - XXXX : XX/XX/XXXX - Balance : {$4600.00}

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 2024-11-16 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: TX

Complaint narrative:
I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : Personal Information : Previous Address ( es ) : XXXX XXXX XXXX XXXX, TX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, TX XXXX Collection/Charge Off : XXXX XXXX XX/XX/year> {$6700.00} XXXX  XXXX XX/XX/year> {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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: MI

Complaint narrative:
I am writing to formally request the blocking and deletion of fraudulent accounts from my credit report due to a data breach that compromised my personal information. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and 605 ( b ), I am entitled to request the removal of accounts resulting from unauthorized activity. 
Accounts to Block and Delete : XXXX. XXXX XXXX - XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX - XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX - XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX - XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX - XXXX - XXXX : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX - XXXX - XXXX : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX XXXXXXXX - XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX - XXXX - XXXX : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX - XXXX - XXXX : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX - XXXX - XXXX : XX/XX/XXXX - Balance : {$480.00} XXXX. XXXX XXXX XXXX - XXXX : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX XXXX  - XXXX - Opened : XX/XX/XXXX - Balance : {$1700.00} XXXX. XXXX - XXXX - XXXX : XX/XX/XXXX - Balance : {$950.00} XXXX. XXXX XXXX XXXX - XXXX - Opened : XX/XX/XXXX - Balance : {$120.00} XXXX. XXXX XXXX - XXXX - XXXX : XX/XX/XXXX - Balance : {$530.00} XXXX. XXXX XXXX - XXXX - XXXX : XX/XX/XXXX - Balance : {$84.00} XXXX. XXXX - XXXX - XXXX : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX - XXXX - XXXX : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX - XXXX - XXXX : XX/XX/XXXX - Balance : {$670.00} XXXX. XXXX XXXX XXXX - XXXX - Opened : XX/XX/XXXX - Balance : {$610.00}

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 2024-11-16 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: MI

Complaint narrative:
XXXX Violating consumer rights and I want immediate action.

Company response to consumer: Closed with non-monetary relief