vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-11 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:
In accordance with the Fair Credit Reporting Act the list of accounts below has violated me federally protective consumer rights, rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my XXXX XXXX Credit Report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) And according to 15 USC 1681 i 5 They are suppose to do this ( 5 ) treatment of inaccurate or unverifiable information.

( A ) In general, after any investigation 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 ( 1 ) 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 investigation, and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer or deleted from the file of the consumer. and according to 15 USC 1681 s-2 they are supposed to no furnish any information relating to the consumer to any consumer reporting agency if the person knows

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 

Delete the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
I reached out to Goldman Sachs ( Apple Card ) on XX/XX/XXXX via chat to request XXXX benefits for my credit. The agent informed that they submitted the request and it would take up to 30 days for a decision. 

Earlier in the week ( approx XX/XX/XXXX ) I received a phone call from one of the representatives, stating that more information is required. I responded to their email and supporting my supporting documentation. On XX/XX/XXXX, I received notification that I was not eligible for XXXX benefits. I contacted customer service requesting additional information and they could not provide it and I was unable to speak with anyone that could really assist. 

I believe Goldman Sachs is incorrect and I am in fact eligible for XXXX benefits for past and current XXXX XXXX service. Other banks have proven my XXXX eligibility.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase keeps letting people use my debit card and credit card and when I call theyre like are you sure it wasnt you? Like yes I bought locksmitting in another state while purchasing in California that day. This time they took {$120.00} and returned it to me. Later on they reversed it saying the company didnt receive the service. After they took {$120.00} from me? Chase had another time where someone was using my card for onlyfans as well. Even when I changed my credit card number, purchases still went through as well as the debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: MOHELA
State: OR

Complaint narrative:
On or about XX/XX/year> I noticed some loans listed on my credit report that have been listed without my written consent. I have notified XXXX and they have denied taking these loans off of my report. According to 15 USC 1681, they should have removed these loans since they are inaccurate, disuputed by me, and have chosen to not respond in an appropriate manner. Additionally, XXXX states that I did not give them : Reason 1 : Your request is missing essential personal identifying information Reason 2 : Account specific information such as name of creditor, account numbers or other account details that would allow us to complete your request was not included Reason 3 : The description of the identity theft was too vague and/or did not include specific information related to the identity theft, including the dates the fraud occurred. 

All of this was attached and included in my original complaint as they will also be attached AGAIN to this complain.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contr
act with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 Charged off Inquiries in Dispute : 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 2025-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AZ

Complaint narrative:
Received a letter by Jefferson Capital on XX/XX/XXXX about a debt that I no longer owe this debt is from the original creditor XXXX XXXX XXXX account number XXXX, and this debt is more than XXXX years old and no longer should be collected or attempt to be collected. I disputed with XXXX and they deleted this account from my credit report. On XX/XX/XXXX, report number XXXX i Have uploaded part of the XXXX report about this debt being deleted. I believe by sending this letter this an attempt to restart the debt clock and they know this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: AZ

Complaint narrative:
To : Credit Reporting Agencies Subject : Request for Deletion of Unverified Account Due to XXXX XXXX Dear Credit Reporting Agencies, I am writing to request the immediate removal of a XXXX XXXX XXXX account with a {$1100.00} balance from my credit report. I disputed this account with XXXX, and after completing their investigation on XX/XX/year>, the account was deleted from my XXXX credit report. This action indicates that the account is unverifiable, and as such, your agency is now legally required to delete it under the Fair Credit Reporting Act ( FCRA ). 

Under FCRA 611 ( a ) ( 1 ) ( A ), credit reporting agencies are obligated to ensure that the information they report is accurate, complete, and verifiable. Since XXXX has determined that this account can not be verified, it is your duty to remove it from my credit file. 

Additionally, FCRA 609 and 611 state that unverifiable accounts must be deleted within 30 days of a dispute. I request that your agency conduct its investigation promptly and remove this account from my credit report within this legally mandated timeframe.

Failure to comply with this request could lead to legal consequences. FCRA 616 and 617 provide consumers the right to seek damages and take legal action against credit reporting agencies that fail to meet their obligations under the law. Any delay in removing this unverifiable account could expose your agency to liability. 

For your reference, I have included a copy of my XXXX credit report showing that this account has been deleted. Please provide written confirmation once the account has been removed from my credit file. Should you determine that the account is valid, I request that you provide sufficient documentation verifying its accuracy. 

If this account is not removed within 30 days, I will escalate the matter by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and may pursue further legal remedies. 

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

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 2025-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Debt Buyer Subject : Dispute of Collection Account Reported by Debt Buyer Issue : I am disputing a collection account reported by Debt Buyer for {$1600.00}. I have no knowledge of this debt, and it appears on my credit report without validation or notification. Details : Collection Agency : Debt Buyer Balance : {$1600.00} XX/XX/year> Original Creditor : XXXX I have never had an outstanding balance with XXXX that matches this amount. I request validation of this debt, as required by the FDCPA, or immediate removal from my credit report if validation can not be provided. Impact : This unverified collection account is negatively impacting my credit score and limiting my financial opportunities. I request a prompt investigation and resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: NY

Complaint narrative:
I recently reviewed my credit report and noticed accounts that are not reporting accurately. I have late payments reporting on accounts that I in fact I paid on time. The consumer reporting agencies need to report all information with complete accuracy. These accounts have not been late with payments. Ive attached a copy of my report to this complaint on the following accounts and dates XX/XX/XXXX, XX/XX/XXXX for XXXX Account number XXXX. XXXX XXXX dates XX/XX/XXXX, XX/XX/XXXX account number XXXX. XXXX dates XXXX account number XXXX. Im now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.

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 2025-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
LVNV Funding On XX/XX/year>, I sent a XXXX XXXX letter to LVNV Funding LLC regarding an alleged charged off account they had listed on my credit reports. 
I requested validation under the FCRA/FDPA along with corresponding local state laws. Validation that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. 
Since it has been more than 30 days since I sent my letter to them without a response, I am demanding that they permanently remove any/all negative information from my credit report as they are in violation of FCRA/FDPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Formal Complaint Against Equifax for Non-Compliance with the Fair Credit Reporting Act ( FCRA ) Dear Sir or Madam, I am filing a formal complaint against Equifax Information Services LLC for its failure to comply with the Fair Credit Reporting Act ( FCRA ) by refusing to delete inaccurate collection information from my credit report. This same collection account has already been removed by XXXX and XXXX after my disputes, yet Equifax continues to report it inaccurately. 

Details of the disputed account :. Collection Agency XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Creditor Original Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Problem Summary Equifax is inaccurately reporting this collection account on my credit report, which violates the FCRA. The creditor has failed to provide verifiable evidence to substantiate this debt, as required by law. 

Specific Violations of the FCRA 1. Section 611 ( a ) ( 1 ) ( A ) : Equifax is required to investigate and verify disputed information within 30 days of receiving a dispute. This timeframe has elapsed, and no valid evidence has been provided to substantiate this account.

2. Section 609 ( a ) ( 1 ) ( A ) : Under this section, I have the right to receive complete and verifiable information about any item reported on my credit file. Equifax has failed to provide such documentation, demonstrating that the account lacks a legal basis to remain on my report. 
3. Section 623 ( a ) ( 1 ) ( B ) : The FCRA mandates that furnishers of information ensure all data reported is accurate and complete. Equifaxs continued reporting of this account, despite its removal by XXXX and XXXX, indicates a failure to uphold this responsibility. 
4. Damages : The presence of this inaccurate account has caused financial and emotional harm, including damage to my credit score and denial of credit on favorable terms.

Requested Action by the CFPB I am requesting immediate intervention by the CFPB to : Direct Equifax to delete this collection account from my credit report. 
Ensure Equifax complies with the FCRA and takes responsibility for its handling of this and future disputes. 
Investigate Equifaxs negligence in this matter and impose sanctions if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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 listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention 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 2025-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
XXXX purchased my loan from XXXX XXXX in XXXX XXXX  and has racked up charges of {$170000.00} and now to buy payoff my loan in XXXX year is {$260000.00}. They won't do a loan modification stating that is 25 % hiring than my original note. My house is in foreclosure, I want this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

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 repo
rt containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I am writing to formally dispute the accuracy of the information reported for this account on my credit report. The balance and the charge-off status are both incorrect. This account was fully resolved, and the information being reported is erroneous. I respectfully request a thorough investigation into this matter and the immediate removal of this inaccurate information from my credit file.

Company response to consumer: Closed with explanation