vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am filing this complaint to bring attention to an egregious violation of my consumer rights by EXPERIAN and XXXX RESORTS. My credit report inaccurately reflects a timeshare account that was reported as a mortgage without my authorization. This misclassification has caused significant harm to my credit profile and violates several consumer protection laws.

1.The timeshare account is unauthorized and was reported without my consent.

2. It is inaccurately classified as a mortgage, which I do not have.

Legal Violations to Highlight : 1.Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) : The credit bureaus failed to ensure maximum possible accuracy by misclassifying the timeshare.

15 U.S.C. 1681i ( a ) : They have not promptly corrected this false information.

FCRA Section 611 ( a ) : Failure to investigate and correct inaccurate or unverifiable information.

FCRA Section 607 ( b ) : Obligation to ensure maximum possible accuracy in credit reporting.

Truth in Lending Act ( TILA ) : Regulation Z : Failure to ensure accuracy and disclosure regarding loans and credit-related accounts.

The reporting creditor violated the disclosure requirements by misrepresenting the nature of the account as a mortgage, which is deceptive.

Gramm-Leach-Bliley Act ( GLBA ) : Reporting the timeshare without my explicit permission violates my right to privacy under this act.

Failure to safeguard consumer data and ensure it is used solely for authorized purposes.

Unfair and Deceptive Practices ( 15 U.S.C. 45 ) : Misreporting the timeshare as a mortgage constitutes an unfair and deceptive practice, damaging my creditworthiness.

Impact on Me : This inaccurate reporting has caused harm by misleading potential creditors, leading to a higher credit risk profile and undue stress. 
Emotional distress due to the lack of compliance with consumer protection laws A breach of my privacy rights. 

I hope this issue would be resolved as soon as possible. thanks for your help

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 2024-12-03 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: VA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX a third-party collection agency attempting to collect on a {$2600.00} account ( XXXX XXXX account number XXXX ). I have identified numerous inaccuracies in the information they are reporting to the three major credit bureaus, including balances and details about services allegedly provided. 



XXXX XXXX, the original creditor, has gone out of business, and there are no records available from their company. Despite this, XXXX XXXX continues to report this account as valid without providing any verification of the debt. 



I have made multiple requests to XXXX XXXX to validate the debt and provide supporting documentation as required under the Fair Debt Collection Practices Act ( FDCPA ). To date, they have failed to respond to my requests. Their failure to verify the accuracy of the information while continuing to report it has negatively impacted my credit across all three bureaus ( XXXX, XXXX, and TransUnion ). 



My specific concerns are as follows : 1. Inaccurate Information : XXXX XXXX is reporting inconsistent and inaccurate details regarding the balance and services allegedly associated with this account. 

2. Failure to Provide Verification : I have repeatedly asked for verification of this account, but XXXX XXXX has not complied, which is a violation of federal law. 

3. Unverifiable Debt : Since XXXX XXXX has gone out of business and there are no records available, XXXX XXXX can not reasonably verify the debt as required. 



I request the CFPBs immediate intervention to : 1. Compel XXXX XXXX to validate the debt with accurate documentation or cease collection activity entirely. 

2. Remove this account from my credit reports if they can not provide proper verification.

3. Notify all three credit bureaus of the inaccuracies and ensure the erroneous information is deleted from my credit history. 



The continued reporting of unverified and inaccurate information is a clear violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ). I respectfully ask for your assistance in ensuring my rights are protected and this matter is resolved promptly. 



Thank you for your attention to this issue. Please let me know if additional information or documentation is needed.

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 2024-12-03 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: TX

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX, a third-party collection agency attempting to collect on a {$2600.00} account ( XXXX XXXX account number XXXX ). I have identified numerous inaccuracies in the information they are reporting to the three major credit bureaus, including balances and details about services allegedly provided. 



XXXX XXXX, the original creditor, has gone out of business, and there are no records available from their company. Despite this, XXXX XXXX continues to report this account as valid without providing any verification of the debt. 



I have made multiple requests to XXXX XXXX to validate the debt and provide supporting documentation as required under the Fair Debt Collection Practices Act ( FDCPA ). To date, they have failed to respond to my requests. Their failure to verify the accuracy of the information while continuing to report it has negatively impacted my credit across all three bureaus ( Equifax, XXXX, and XXXX ). 



My specific concerns are as follows : 1. Inaccurate Information : XXXX XXXX is reporting inconsistent and inaccurate details regarding the balance and services allegedly associated with this account. 

2. Failure to Provide Verification : I have repeatedly asked for verification of this account, but XXXX XXXX has not complied, which is a violation of federal law. 

3. Unverifiable Debt : Since XXXX XXXX has gone out of business and there are no records available, XXXX XXXX  can not reasonably verify the debt as required. 



I request the CFPBs immediate intervention to : 1. Compel XXXX XXXX to validate the debt with accurate documentation or cease collection activity entirely. 

2. Remove this account from my credit reports if they can not provide proper verification.

3. Notify all three credit bureaus of the inaccuracies and ensure the erroneous information is deleted from my credit history. 



The continued reporting of unverified and inaccurate information is a clear violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ). I respectfully ask for your assistance in ensuring my rights are protected and this matter is resolved promptly. 



Thank you for your attention to this issue. Please let me know if additional information or documentation is needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX, a third-party collection agency attempting to collect on a {$2600.00} account ( XXXX XXXX account number XXXX ). I have identified numerous inaccuracies in the information they are reporting to the three major credit bureaus, including balances and details about services allegedly provided. 



XXXX XXXX, the original creditor, has gone out of business, and there are no records available from their company. Despite this, XXXX XXXX continues to report this account as valid without providing any verification of the debt. 



I have made multiple requests to XXXX XXXX to validate the debt and provide supporting documentation as required under the Fair Debt Collection Practices Act ( FDCPA ). To date, they have failed to respond to my requests. Their failure to verify the accuracy of the information while continuing to report it has negatively impacted my credit across all three bureaus ( XXXX, Experian, and XXXX ). 



My specific concerns are as follows : 1. Inaccurate Information : XXXX XXXX is reporting inconsistent and inaccurate details regarding the balance and services allegedly associated with this account. 

2. Failure to Provide Verification : I have repeatedly asked for verification of this account, but XXXX XXXX has not complied, which is a violation of federal law. 

3. Unverifiable Debt : Since XXXX XXXX has gone out of business and there are no records available, XXXX XXXX can not reasonably verify the debt as required. 



I request the CFPBs immediate intervention to : 1. Compel XXXX XXXXXXXX to validate the debt with accurate documentation or cease collection activity entirely. 

2. Remove this account from my credit reports if they can not provide proper verification.

3. Notify all three credit bureaus of the inaccuracies and ensure the erroneous information is deleted from my credit history. 



The continued reporting of unverified and inaccurate information is a clear violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ). I respectfully ask for your assistance in ensuring my rights are protected and this matter is resolved promptly. 



Thank you for your attention to this issue. Please let me know if additional information or documentation is needed.

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 2024-12-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
To Whom it may Concern, I am devasted to discover that fraudulent accounts have been opened in my name at Capital One and XXXX due to the recent XXXX data breaches. To make matters worse the information that is being reported is inaccurate by every bureau reporting fraudulent accounts. As a hardworking american and father, I've always strived to maintain a clean credit history. Please help me by removing these fraudulent items from each of my consumer credit reports. I have tried to take care of this my self however the bureaus are not responding to my requests via priority mail or picking up my phone calls. 

Name of Account Account Number CAPITAL ONE XXXX XXXX XXXX XXXX Mistaken Identity Identity Theft

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: OH

Complaint narrative:
These inquiries appear to have been made without my authorization and may be fraudulent. Please address this matter immediately, referring to the attached documents for clarification.

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 2024-12-03 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: OH

Complaint narrative:
These inquiries appear to have been made without my authorization and may be fraudulent. Please address this matter immediately, referring to the attached documents for clarification.

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 2024-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
The company allowed unauthorized access to the account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
This bank needs to be reported to FTC for their unlawful practices. Both credit card accounts were both charged off and written off in XXXX. I have never signed or agreed to any payment plans. They have unlawfully extended the statute of limitations by another 7 years violating FCRA. How is this even possible? It is blatant retaliation by reporting their IRS fraud of not sending me 1099C and not declaring funds they seized from my account, including my mortgage payments. The accounts were already charged off and written off in XXXX. It is NOT possible for them to claim late payments and a new charge off on accounts they already charged off. This is FRAUD they must be reported immediately to FTC and NCUA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
collection agency has not provided validation information under 12 cfr 1006.34 but yet they placed a collection on my consumer report.

i have not been given a chance to dispute account according 12 CFR 1006.34 collection agency is violating my consumer rights by using false misleading misrepresentation and deceptive means.

collection agency has no authority to furnish any account to a consumer reporting agency without providing any and all disclosures required by law and they are in clear violation of 12 CFR1006.34

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 2024-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: CT

Complaint narrative:
I had my account deactivated by Square on XX/XX/2024 and would told the funds would be held until XX/XX/2024. After this period passed, I asked about when my funds would to transferred and received an automated email saying the process would be initiated in 1 business day. The process has not been started and when I look at my account, it still shows a pending status, implying Square is holding my money without cause.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: IL

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment 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 non-monetary relief
Consumer complaint received 2024-12-03 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: IL

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment 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 2024-12-03 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: OH

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 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 2024-12-03 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: OH

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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am filing this complaint to bring attention to an egregious violation of my consumer rights by EXPERIAN and XXXX XXXX. My credit report inaccurately reflects a timeshare account that was reported as a mortgage without my authorization. This misclassification has caused significant harm to my credit profile and violates several consumer protection laws. 
1.The timeshare account is unauthorized and was reported without my consent.

2. It is inaccurately classified as a mortgage, which I do not have.

Legal Violations to Highlight : 1.Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) : The credit bureaus failed to ensure maximum possible accuracy by misclassifying the timeshare.

15 U.S.C. 1681i ( a ) : They have not promptly corrected this false information.

FCRA Section 611 ( a ) : Failure to investigate and correct inaccurate or unverifiable information.

FCRA Section 607 ( b ) : Obligation to ensure maximum possible accuracy in credit reporting.

Truth in Lending Act ( TILA ) : Regulation Z : Failure to ensure accuracy and disclosure regarding loans and credit-related accounts. 
The reporting creditor violated the disclosure requirements by misrepresenting the nature of the account as a mortgage, which is deceptive. 
XXXX XXXX ( XXXX ) : Reporting the timeshare without my explicit permission violates my right to privacy under this act. 
Failure to safeguard consumer data and ensure it is used solely for authorized purposes. 
Unfair and Deceptive Practices ( 15 U.S.C. 45 ) : Misreporting the timeshare as a mortgage constitutes an unfair and deceptive practice, damaging my creditworthiness.

Impact on Me : This inaccurate reporting has caused harm by misleading potential creditors, leading to a higher credit risk profile and undue stress.

Emotional distress due to the lack of compliance with consumer protection laws A breach of my privacy rights. 

I hope this issue would be resolved as soon as possible. thanks for your help

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