vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-29 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Method of Validation and Account Verification In response to confirmation # XXXX Dear Equifax Dispute Department, I am writing regarding your recent response to my dispute of account listed on my credit report, in which you indicated that the account was verified as accurate. I have concerns about the completeness and accuracy of the information reported and request further clarification. The confirmation # XXXX is the investigation I'm responding to. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to receive a description of the procedure used to determine the accuracy and completeness of the information, including the contact information of the party that provided the verification. Specifically, I am requesting : 1. The method of validation used to verify the disputed account ( s ).

2. The contact information for the creditor or furnisher, including their name, address, and phone number. 

3. A detailed explanation of how the account ( s ) was verified for accuracy and completeness.

4. The date, time, and who exactly verified this account 5. A detailed explanation of how the account ( s ) were v
erified for accuracy and completeness, particularly regarding : -Balance amount -Past-due amount -Account status -Charge-off amount -Date of 1st Delinquency -High Credit -Amount past due 6. Purchase contract The specific account ( s ) in question are as follows : XXXX # XXXX If the accounts can not be properly verified or validated, they must be deleted from my credit report promptly, as required by the FCRA. 


Please provide the requested information within 30 days of receipt of this letter. Failure to do so will result in further action on my part, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. 

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


Sincerely, XXXX XXXX XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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: OH

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 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 2024-11-29 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: OH

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 non-monetary relief
Consumer complaint received 2024-11-29 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:
Please block and remove the unauthorized accounts from my credit report as soon as possible. I did not authorize or initiate these accounts and have no knowledge of their origins. Pursuant to USC 1681g, I am requesting their removal within 15 days. I have included the necessary documents for your review and reference.

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 2024-11-29 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:
Please block and remove the unauthorized accounts from my credit report as soon as possible. I did not authorize or initiate these accounts and have no knowledge of their origins. Pursuant to USC 1681g, I am requesting their removal within 15 days. I have included the necessary documents for your review and reference.

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 2024-11-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: NJ

Complaint narrative:
I am being contacted by XXXX XXXX XXXX XXXX on behalf of Cavalry SPV I , LLC to collect on a debt for an account that I have never owned. 

The amount is for {$1400.00} and states the original creditor is XXXX XXXX XXXX. I have never been contacted by Cavalry SPV, nor have I ever taken a line of credit with XXXX XXXX through XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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: FL

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : Personal Information Former : XXXX XXXX XXXX Previous Address XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Employers : XXXX XXXX Employers : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX, Employers : XXXX XXXX  Collection/Charge Off XXXX XXXX XXXX XX/XX/XXXX {$2800.00} XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXXXXXX XX/XX/XXXX {$0.00} Late Payment XXXX XXXX XX/XX/XXXX {$1900.00} XXXX XXXXXXXX XX/XX/XXXX {$1200.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00} 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 XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 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: EQUIFAX, INC.
State: ID

Complaint narrative:
I mailed a dispute to Equifax, which they received XX/XX/year>, showing that my credit report was incorrect. Since XX/XX/year>, Equifax has been showing I have no credit history, this is impossible as even their XX/XX/year> report showed I had 2 credit lines. The lines are still open, and other credit reporting agencies such as XXXX and XXXX correctly show that. Equifax doesn't even report the lines were closed, they've simply vanished. 

I provided proof of the credit lines, as well as Equifax 's own XX/XX/year> report showing the credit lines existing, and still just two days later, XX/XX/year>, Equifax marked the dispute as completed even though they never put the two credit lines back in my report. My report still shows no credit history, even though I provided Equifax 's own documentation showing that to be impossible. 

It is ridiculous that Equifax provided credit reports showing the lines existing prior to XX/XX/year>, yet does not acknowledge their own documentation. They stubbornly continue to report, falsely, that I have no credit history. This has made obtaining loans a nightmare as on can imagine. This is the 4th time I've informed Equifax of this massive error, 3 times including the one I talk about here by mail, and once by CFPB. They have not made right and fixed their error. 

It should not be the responsibility of the individual to make sure a credit bureau acknowledges it's own previous reporting, this whole ordeal has shown me how incompetent, and downright dangerous Equifax is. The fact that the other two agencies have never abruptly disappeared information from reports shows just how broken Equifax must be behind the scenes. The amount of hoops I've had to jump through, from the automated phone tree not allowing me to speak with customer service, because it uses questions from your credit report ( according to Equifax now I don't have one ), and if you don't have one, shocker the bot breaks and refuses to let you talk to an agent, to providing an abundance of information to Equifax, even their own credit reports, all for them to do nothing, it's just insanity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
**Complaint Message : ** Dear CFPB Team, I am submitting this complaint to address unauthorized hard inquiries that appear on my credit report. These inquiries were made by a motorcycle dealer without my explicit consent or authorization. The details of the hard inquiries are as follows : XXXX. **XXXX  XXXX XXXX XXXX XXXX XXXX  ) ** - XX/XX/year> XXXX. XXXX XXXX XXXX ( XXXX  ) ** - XX/XX/year> XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I visited the dealerships website but I did not authorize these multiple hard inquiries on my credit profile. These actions have negatively impacted my credit score, and I consider this a misuse of my 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 2024-11-29 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-11-29 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: CA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : 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 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 non-monetary relief
Consumer complaint received 2024-11-29 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: TX

Complaint narrative:
Your failure to validate disputed late payments violates the Fair Credit Reporting Act. Despite my written dispute over 30 days ago, you have not responded or provided required documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 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: LA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC
State: OH

Complaint narrative:
In a earlier letter you stated u was a reseller of information. Can u please let me understand who information/securities is you selling I want to see a contract I have with u to resell my securities I had to do my research I got my XXXX account they provided me with an account number then I got a XXXXXXXX XXXX XXXXXXXX they provided me with a XXXX XXXX wow that blow my mind how much is in my account with my signature and my social security attached to it I've been denied a extension of my own unlimited credit so at this point I have five different XXXX XXXX XXXXnd as soon as Donald Trump gets into office he is going to audited the federal reserve and the banks Im going to have all these accounts audited by time he gets in office I would already have my 2848 form and 56-56f forms in to control my estate so please show me a contract with my signature I gave you permission to sell my securities and treat me as a minor in my own account XXXX XXXX XXXXXXXX said they dont have a contract with me so there are hanging your company but im going after u all

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 2024-11-29 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: Bread Financial Holdings, Inc.
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 2024-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting a formal dispute regarding inaccurate information on my credit report, which I believe is the result of identity theft. Specifically, there are collections and closed accounts with reported balances and late payments that I do not owe, and these accounts do not belong to me. 
I have provided a copy of the Federal Trade Commission ( FTC ) Identity Theft Report, which confirms that I am a victim of identity theft. I have taken appropriate steps to resolve the issue, including filing a police report and placing fraud alerts with the major credit bureaus. Despite these actions, certain accounts continue to reflect balances and late payments that I did not incur, and collection agencies continue to report debts I do not owe. 
I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that all information on my credit report be accurate and verified. Under this law, I have the right to dispute any information that is incomplete or inaccurate. In addition, I am entitled to request that any information related to identity theft be removed from my credit report if it can not be properly validated. 
The accounts in question are : I request that the CFPB assist in ensuring that these incorrect collections, balances, and late payments are investigated and removed from my credit report. If the accounts can not be properly verified as mine, I am requesting that they be deleted from my credit history, in compliance with the FCRA. 
I have already reached out to the credit reporting agencies and the collection agencies involved, but this issue remains unresolved. I am requesting your assistance in investigating these claims and ensuring that my rights under the FCRA are upheld. 
Thank you for your attention to this matter. I look forward to your prompt assistance in correcting these inaccuracies. 
Please remove the accounts listed above as they were not authorized by me. All accounts above were opened fraudulently and were not authorized by me. Please remove all of these negative accounts on my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Synovus Bank
State: IL

Complaint narrative:
First Digital Master Credit card ; XXXX ; XXXX ; Hereon this day of XX/XX/XXXX this legal notification as in fact a Statement of Claim, notifying you as an official party, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ), of a certain legal action, cause or matter, my First Digital XXXX Credit card XXXX account. I had paid my bill on time however, I was still charged a late fee in accordance to, XXXX XXXX XXXX XXXX of XX/XX/XXXX, also the next business day falls on a XX/XX/XXXX, XX/XX/XXXX is XXXX XXXX, in addition, unreasonably, I havent got a billing Statement every since I had the First Digital Master Credit card XXXX, therefore, I should not have been charged, a certain late fee cause it was paid on time. Therefrom, in conjunction ; hereto this so stated pleading legal cause or matter, also as an official party you must also plead hereto this legal notice as a pleading, as being in fact True or False, under a certain Oath as well as a Testimony, within XXXX hrs., hereafter service of this legal notice to you as Myccpay, party officials First XXXX XXXX Credit card XXXX, XXXX ; XXXX XXXX XXXX XXXX ), ; hereafter XXXX hrs. no objection, submitted, hereto this legal notice, cause or matter will result in any and all legal claims, being in fact a pleading, will hereby deem denied and unacceptable, and you as an official party, hereto this legal notice will hereby deem, a refusal to respond, also you must service your response hereto to myself XXXX XXXX XXXX, email : XXXX ;

Company response to consumer: Closed with explanation