vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-11 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: PatientFi, Inc.
State: OR

Complaint narrative:
A derogatory rating on my account has already caused tangible financial damage, including a denied loan application and increased interest rates on existing credit accounts. This negative rating has inflicted significant financial and emotional distress, threatening my economic stability and future opportunities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: GA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 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: GA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: NJ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 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:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

15 U.S. Code 1666b - Timing of payments ( 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 1637 ( b ) Statement required with each billing cycle is mailed or delivered to the consumer not later than 21 days before the payment due date. 

The items below should all be updated to paid as agreed on my consumer 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
Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Re : Dispute of Portfolio Recovery Associates Account - Account Number : XXXX Dear Portfolio Recovery Associates, I am writing to formally dispute the inaccurate information reported on my credit report regarding the account listed with Portfolio Recovery Associates ( Account Number : XXXX ). 
Reason for Dispute : Inaccurate Account Status : The account is marked as XXXX, despite being closed. According to the Fair Credit Reporting Act ( FCRA ) 605 ( c ), closed accounts should not be reported as still active or ongoing collections. 

Incorrect XXXX XXXX : The reported balance of {$230.00} conflicts with the accounts closed status. Closed accounts should reflect a {$0.00} balance as per FCRA 605 ( a ). 

Incomplete and Inaccurate Payment History : The payment history for the years XXXX and XXXX is incomplete, with no reported payment activity. However, the account continues to reflect a delinquent status, which is misleading for a closed account. This violates FCRA 611 ( a ) requiring accurate and up-to-date reporting. 

Failure to XXXX XXXX : The account status should accurately reflect the closed status, free from any ongoing delinquency or collection status. 

Misleading XXXX XXXX and Account XXXX : The account has not clearly outlined a consistent or accurate credit limit, further exacerbating the confusion regarding the accounts status. 

Demand for Immediate Action : Given these inaccuracies, I am requesting the immediate removal of this Portfolio Recovery Associates account from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) 611 ( a ), which mandates the correction of inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: GREENSKY OPERATIONS, LLC
State: CA

Complaint narrative:
I am disputing the accuracy of this account as it appears on my credit report. The balance and charge-off status reported are incorrect, as the account was fully resolved previously. This erroneous information is negatively affecting my creditworthiness, and I am requesting an immediate investigation. Please update my credit report to remove this inaccurate entry and notify me once the correction has been made. It is critical that my credit report accurately reflects my financial history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: FL

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries from my credit file as I am a victim of a data breach. The accounts and inquiries listed below were made without my authorization. Under my rights pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request these items be removed from my credit report.

Fraudulent Accounts : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 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: FL

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries from my credit file as I am a victim of a data breach. The accounts and inquiries listed below were made without my authorization. Under my rights pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request these items be removed from my credit report.

Fraudulent Accounts : 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 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 2024-12-11 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:
I am writing to formally request the blocking and deletion of the following inquiries from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach, and these inquiries are unauthorized. 
The following inquiries must be removed immediately : 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: LA

Complaint narrative:
This correspondence is reference to the account XXXX with XXXX XXXX XXXX XXXX On XX/XX/year>, I received a notification stating that Experian concluded its reinvestigation of a dispute opened on XX/XX/year>, and updated the account listed. Upon reviewing the updated information, I noticed the inaccuracies, as well as violations. The following is a violation of the FCRA : Prior to the investigation, the account was updated on XX/XX/year>. The results of the reinvestigation, which concluded on XX/XX/year>, updated the account as of XX/XX/year>. Experian updated the account with old information. 
The reinvestigation was concluded on XX/XX/year>, and the updated account information states the last payment received was XX/XX/year>. However, prior to the investigation a payment was received in XXXX of XXXX  which is accurate. Payment was also received in XXXX, as well. 
The positive payment mark was removed from my credit score in XXXX The written off/charged off amount was adjusted due to the payment in XXXX and XXXX. Not XXXX, as stated on the updated report. 
Payment was received on XX/XX/year> and XXXX XXXX. I opened the dispute on XX/XX/year>. The updated payment information should have been reflected in the reinvestigation. This illustrates Experians willful non-compliance to report an accurate and fair report, as well as conduct a proper reinvestigation.

According to 15 U.S. Code 1681i ( 5 )
Treatment of inaccurate or unverifiable information : ( A ) In general, after any reinvestigation under paragraph ( 1 ) 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. 

Under the FCRA, I am entitled to a fair and accurate credit report. Due to the willful noncompliance of Experian, I request the account with XXXX XXXX XXXX XXXX, be removed from my credit report. 

Please review the attached documents. I look forward to a prompt response to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I received a {$500.00} American Express Gift Card from employer. I could not use anywhere. After some research online. I was able to use at XXXX XXXX 3 times for {$50.00} each time. Then XXXX XXXX wouldn't take the card b anymore. So, I still have {$350.00} on Card that I can't use anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
I am writing to dispute the collection account listed under my name for an outstanding balance of {$680.00}, reported by LVNV Funding LLC. The account was opened on XX/XX/year>, and it was placed for collection shortly thereafter. 

I have previously disputed this account with LVNV Funding LLC, as I have no direct business relationship with them, and I do not believe this debt is valid. Additionally, I have requested proper verification and supporting documentation to substantiate the charges and the legitimacy of this debt. However, the company has failed to respond adequately to my requests or provide the necessary proof. 

As a result, I am formally requesting that this account be removed from my credit report due to lack of verification and the absence of proper documentation proving that I am responsible for the debt. Furthermore, I am requesting confirmation that LVNV Funding LLC has no right to report this debt, as I did not directly engage in any business with them, nor have I received the required verification. 

I would also like to clarify that the account is marked as disputed by the consumer on my credit report, and I request that the necessary corrections and updates be made to reflect this accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FirstPoint Collection Resources
State: LA

Complaint narrative:
What Happened? 

I am writing in regard to the account listed by FirstPoint Collection Resolution, with an open balance of {$270.00}, which has been reported on my credit report. I would like to provide clarification of the situation and address concerns regarding the validity of the debt. 

Disputed Account : I dispute the validity of this account, as I have no recollection of the debt or agreement with the original creditor. I believe this information is either inaccurate or incomplete, and it should be investigated further. I did not authorize any debt or have any dealings with FirstPoint Collection Resolution.

Failure to Provide Proof of Debt : Despite my previous requests for verification, FirstPoint Collection Resolution has failed to provide sufficient evidence that I am responsible for this debt. I ask that they furnish clear documentation of the debts origin, including the original creditors information, the amount owed, and any contracts or agreements that substantiate their claim. 

Request for Documentation : As a consumer, I am entitled to request proof of any outstanding debt and verification of any amount being reported to my credit file. I formally request that FirstPoint Collection Resolution provide me with detailed, itemized documentation that confirms the debt, including the name of the original creditor and how they arrived at the balance being reported. 

Discrepancies and Removal Request : If FirstPoint Collection Resolution can not provide adequate documentation to verify the debt, I request the immediate removal of this account from my credit report. I am entitled to a credit report free from inaccuracies, and I believe this account does not belong there. 

Please provide me with the requested information in writing. If I do not receive the appropriate documentation, I will take further action, including filing disputes with credit bureaus and potentially pursuing legal remedies if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On XXXX  at approximately XXXX XXXX XXXX  I received a notification from XXXX that my credit report freeze had been lifted. I called TransUnion at XXXX ( XXXX ) - XXXX and spoke with a representative to explain that my credit freeze had been lifted without my permission. The first representative that I spoke with escalated and forwarded my call to the special handling department. After a long hold, I spoke with XXXX and set up a verbal password to have my credit freeze frozen. 

On XXXX around XXXX XXXX XXXXXXXX, I received another notification from XXXX that my TransUnion credit freeze had been lifted again. I called ( XXXX ) XXXX again and replaced my freeze and was told that my first call was not escalated and forwarded to the correct department.

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