vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-09 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: MI

Complaint narrative:
Due to your violations, I will take legal action and submit a complaint for small claims for default judgment, which allows up to {$1000.00} per violation. I am requesting an ALLEGED DEBT to be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I also demand a request for accounting of this alleged debt, pursuant to the Uniform Commercial Code, UCC Article 9-210. Therefore, I demand validation and verification of the alleged debt. Furthermore, it is imperative that you notify XXXX and Equifax to delete this information from my credit report immediately. The account in question is detailed and Unauthorized Accounts include the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition, I am requesting for a copy of the XXXX filed for the charged-off debt. These creditors must provide this to me, as the consumer, or you will be neglecting to comply with FEDERAL law. This leaves me no choice but to assume that you have neglected to comply with FEDERAL law by not filing a 1099-C as mandated. Consequently, I am compelled to inform you that I will report { insert creditor } to the IRS for potential tax fraud using Form 3949-A if prompt action is not taken. As per IRS regulations, a canceled debt of {$600.00} or more necessitates the filing of a 1099-C form by federal or government agencies, or applicable financial entities. Failure to comply with this requirement constitutes tax fraud, a serious offense that I will not hesitate to report to the IRS. It is essential to understand that a canceled

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 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: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XX/XX/XXXX XX/XX/XXXX Dispute Department EQUIFAX XXXX XXXX ) XXXX Attn : Equifax XXXX XXXX XXXX XXXX XXXX GA XXXX Subject : Request for Verification and Removal of Unverified Negative Entries Dear Dispute Department, I am writing under the provisions of the Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( 1 ) ( A ), to formally dispute the accuracy of certain information listed on my credit report. As mandated by federal law, I request that you provide physical verification of the original signed documents for the accounts listed below. If such verification can not be provided, the FCRA requires that these entries be removed from my credit report. 



Account Number ( s ) and Details : XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Business Type : Bank Credit Cards // - Dont recognize this account Please be advised that the inability to verify these accounts may negatively impact my creditworthiness and financial opportunities. Therefore, in compliance with the FCRA, I expect any unverified accounts to be promptly removed. 

Furthermore, I wish to inform you that I have formally opted out of any arbitration clauses, reserving my right to seek legal action if necessary. 

I anticipate that you will undertake a thorough investigation of these matters and provide me with an updated credit report within 30 days, confirming the removal of any unverified information. 



Thank you for your attention to this matter. I look forward to your prompt compliance with these requests. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Social Security Number : ( Private SSN ) Consumer Date of Birth : ( Private DOB ) Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ), that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of : A personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX, under the account number ( XXXX ). 
A collections account opened at SOUTHWEST CREDIT SYSTE on XX/XX/XXXX, with a balance of $ ( XXXX ), that appears related to the aforementioned personal loan XXXX A personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX, under the account number XXXX An auto loan account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, under the account number ( XXXX ). 
A collections account opened XXXX XXXX XXXX  on XX/XX/XXXX, with a balance of $ ( XXXX ), that appears related to the aforementioned personal loan account opened at XXXX XXXXXXXX XXXX under the account number ( XXXX ). 
A collections account opened XXXX XXXX XXXX on XX/XX/XXXX, with a balance of {$74.00}, that appears related to the aforementioned personal loan account opened at XXXX XXXXXXXX XXXX XXXX under the account number ( XXXX ). 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of these items are the result of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Social Security Number : ( Private SSN ) Consumer Date of Birth : ( Private DOB ) Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ), that you, the XXXX XXXX  XXXX XXXX XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of : A personal loan account opened at XXXX XXXX XXXX  on XX/XX/XXXX, under the account number ( XXXX ). 
A collections account opened at XXXX XXXX XXXX on XX/XX/XXXX, with a balance of $ ( XXXX ), that appears related to the aforementioned personal loan XXXX A personal credit card account opened at NAVY FEDERAL CR UNION on XX/XX/XXXX, under the account number XXXX An auto loan account opened at Navy Federal Credit Union XXXX XX/XX/XXXX, under the account number ( XXXX ). 
A collections account opened XXXX XXXX XXXX  on XX/XX/XXXX, with a balance of $ ( XXXX ), that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX  under the account number ( XXXX ). 
A collections account opened XXXX XXXX XXXX on XX/XX/XXXX, with a balance of {$74.00}, that appears related to the aforementioned personal loan account opened at XXXX XXXXXXXX XXXX XXXX  under the account number ( XXXX ). 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of these items are the result of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: First Advantage LNS Inc.
State: DE

Complaint narrative:
NCAC collections has continually changed the account type from joint to single and vice versa on several occasions, charged me incorrectly, never provided requested information.The debt belonged to my XXXX XXXX  father who has been deceased since XXXX, of which they received the death certificate and they are still reporting on my credit as an open debt. They have not responded to any requests or litigation communication to remove the debt amount of {$5300.00} from my reports. There was more than {$7900.00} worth of electronics and jewelry, etc. stolen while my fathers apartment was supposedly locked down while he was on XXXX. The debt was charged off and they purchased it from the original creditor XXXX XXXX XXXX without my deceased fathers consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. 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 2024-12-09 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. 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 non-monetary relief
Consumer complaint received 2024-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Bank of America Charge Off asks them for the 1099-A the account was closed and charged off as of XX/XX/year> the last payment I applied to the account was on XX/XX/year> they continue charging me interest after charged off.

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 2024-12-09 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: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX  XXXX  of XXXX XXXX and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXX BALANCED {$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 2024-12-09 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. 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 non-monetary relief
Consumer complaint received 2024-12-09 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: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-12-09 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: VA

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/year> I wrote a letter stating my name is incorrect.. The letter read " I am writing to request a correction on my credit report. It has come to my attention that my name is incorrectly listed as XXXX XXXX XXXX on my report. My correct legal name is XXXX XXXX, and I would like my credit report to reflect this accurately. "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 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: FL

Complaint narrative:
On XX/XX/2024 I wrote a letter stating my name is incorrect.. The letter read " I am writing to request a correction on my credit report. It has come to my attention that my name is incorrectly listed as XXXX XXXX XXXX on my report. My correct legal name is XXXX XXXX, and I would like my credit report to reflect this accurately. "

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 2024-12-09 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Customer ServiceXXXX  XXXX XXXX  XXXX XXXX XXXX, VA XXXX XXXX : Complaint Regarding Noncompliance with Privacy Provisions Account # XXXX Dear XXXX  XXXX Customer Service, I am writing to formally express my concern regarding a potential breach of privacy rights under the provisions of 15 U.S. Code 6802 ( b ) ( 1 ). Specifically, I have reason to believe that my nonpublic personal information was disclosed to a nonaffiliated third party without providing me with the opportunity to opt-out of such disclosures or an explanation of how I could exercise that option.

The statute explicitly mandates that financial institutions must : 1. Clearly and conspicuously disclose to the consumer that such information may be
disclosed to third parties ; 2. Provide the consumer an opportunity, prior to the initial disclosure, to direct that the information not be disclosed ; and 3. Explain to the consumer how to exercise this nondisclosure option.

I do not recall receiving these disclosures or any explanation of my rights to restrict such information sharing, as required by law. This oversight, if accurate, represents a serious violation of my privacy rights and your obligations as a financial institution.

To resolve this matter, I request the following : 1. A detailed explanation of the circumstances under which my personal information was disclosed and to whom it was disclosed ; 2. Documentation or evidence demonstrating that you complied with the statutory requirements to inform me and provide an opt-out option before such disclosures occurred ; 3. Immediate steps to ensure no further disclosures of my personal information are made without my express consent ; and 4. A written response outlining the actions your organization will take to remedy this issue and ensure compliance moving forward.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 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: CA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX XX/XX/XXXX - Balance : {$3400.00} Account Name : XXXX # XXXX XX/XX/XXXX - Balance : {$3400.00} Account Name : XXXX # XXXX XX/XX/XXXX - Balance : {$1800.00} Account Name : XXXX # XXXX XX/XX/XXXX - Balance : {$2400.00} Account Name : XXXX # XXXX XX/XX/XXXX - Balance : {$3300.00} Account Name : XXXX  XXXX # XXXX XX/XX/XXXX - Balance : {$2200.00} Account Name : XXXX XXXX  # XXXX XX/XX/XXXX - Balance : {$7100.00} Account Name : XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$37000.00} Account Name : XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$26000.00} Account Name : XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$3000.00} Account Name : XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$14000.00} Account Name : XXXX XXXX XXXX XXXX # XXXX  XX/XX/XXXX - Balance : {$10000.00} UNAUTHORIZED INQUIRIES : XXXX XXXX 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 explanation
Consumer complaint received 2024-12-09 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: U.S. BANCORP
State: NC

Complaint narrative:
I have XXXX prepaid XXXX Debit Gift Cards from the site www.prepaidgiftbalance.com which is issued by US Bank National Association. One card is {$25.00} and the other {$50.00}. Both fail to register successfully on their website and the hotline can provide me with no information on the accounts. What a scam!

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