vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-27 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 XXXX XXXX XXXX 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 XXXX XXXX ( an original XXXX XXXX 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 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 2024-12-27 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: GA

Complaint narrative:
My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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: KY

Complaint narrative:
Due to a data breach, my personal information was compromised, resulting in unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me but remain on my report, adversely affecting my credit profile. Despite my efforts to resolve these inaccuracies, they persist, raising significant concerns about the security of my personal information and the accuracy of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
ATTENTION : XXXX, XXXX AND XXXX DISPUTE DEPARTMENT To whom it may concern, According to FCRA section 605b anything legal to report any information on my credit report without my permission. Please remove this item from my credit report, thank you. 

I expect a timely response from the credit bureau regarding my dispute. Thank you for your prompt attention to this matter. Please/ update the above accounts as quickly as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: Financial Recovery Services, Inc.
State: CA

Complaint narrative:
I tried o work with this company they keep.emailing me about this debt that is not mine there name is financial recovery services

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/year>, I mailed a formal dispute letter to TransUnion requesting a thorough investigation into inaccurate items appearing on my credit report. Additionally, I disputed incorrect personal information listed in my report. To facilitate XXXX XXXX  verification of my identity and address, I enclosed a copy of my photo ID, Social Security card, and a recent bill reflecting my current address. 
I received a response from TransUnion dated XX/XX/year>, stating : " We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. '' This response is in direct contradiction to my consumer rights as stipulated under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that if a consumer disputes the accuracy or completeness of any item of information within their credit file, the credit bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. XXXX XXXX refusal to process my legitimate request despite receiving the necessary verification documentation demonstrates a failure to meet this obligation. 
XXXX lack of action has effectively denied me the right to an accurate and fair credit report, potentially harming my financial standing. This disregard for my rights under the FCRA is both frustrating and unacceptable. 
To support my claim, I have attached copies of my original dispute letter and XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-12-27 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: TX

Complaint narrative:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States XXXX Law ( TILA XXXX XXXXXXXX XXXX  XXXX ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, and XXXX ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section XXXXXXXX XXXX  XXXX. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA XXXX XXXX - Civil Liability for Willful Noncompliance FCRA Section XXXX ( XXXX ) ( XXXX ) ( XXXX ) - Obligations with Respect to Disclosures of Personal Information FCRA XXXX XXXX ( XXXX ) ( XXXX ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations XXXX XXXXXXXX ( XXXX ) ( XXXX ) ( XXXX  ) XXXX XXXX I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to this matter.

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 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern, I am filing this complaint to bring attention to a serious issue involving a significant reduction in my FICO score and continued inaccurate reporting by Bank XXXX XXXX. Despite my repeated efforts to dispute the incorrect information through the credit bureaus, no corrective action has been taken, and my score has been unfairly penalized. 

Details of the Complaint : Unjustified FICO Score Reduction : My FICO score dropped by [ XXXX to XXXX points ] immediately after I filed a legitimate dispute regarding inaccurate reporting on my credit report. There were no material changes in my credit profile to warrant such a drastic score reduction. This appears to be a punitive action against me for exercising my rights under the Fair Credit Reporting Act ( FCRA ). 

Inaccurate XXXX by XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX continues to report an incorrect balance on an account that has been sold to multiple debt collectors. 
The debt collectors involved have failed to validate the debt, despite my multiple requests under the Fair Debt Collection Practices Act ( FDCPA ). 
Despite filing several disputes with the credit bureaus to address these inaccuracies, the errors remain unresolved. 
Failure to Address Disputes : My disputes have been ignored or mishandled by both XXXX  XXXX XXXX and the credit bureaus, violating their obligations under the FCRA to ensure that only accurate and verifiable information is reported. 

Relief Sought : I am requesting the CFPB to take the following actions to resolve this matter : Require Immediate Deletion of the XXXX XXXXXXXX XXXX Account : The account is unverifiable, inaccurately reported, and legally should no longer appear on my credit report. 
Investigate the Unjustified FICO Score Reduction : My FICO score should be restored to its previous level, and punitive measures against consumers for disputing inaccurate information should be addressed. 
Ensure Compliance with the FCRA and FDCPA : Hold XXXX  XXXX XXXX and the credit bureaus accountable for their failure to comply with their legal obligations. 
Compensation for Damages : I seek compensation for the harm caused to my creditworthiness and the undue stress caused by these violations of my rights. 
Summary : This situation highlights clear violations of my rights as a consumer under the FCRA and FDCPA. XXXX  XXXX XXXX has failed to report accurate information, credit bureaus have failed to act on my disputes, and my credit score has been unfairly penalized as a result. I trust the CFPB will investigate this matter thoroughly and ensure that appropriate corrective actions are taken. 

Thank you for your assistance.

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 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom It May Concern, I am filing this complaint to bring attention to a serious issue involving a significant reduction in my FICO score and continued inaccurate reporting by XXXX  XXXX XXXX. Despite my repeated efforts to dispute the incorrect information through the credit bureaus, no corrective action has been taken, and my score has been unfairly penalized. 

Details of the Complaint : Unjustified FICO Score Reduction : My FICO score dropped by [ XXXX to XXXX points ] immediately after I filed a legitimate dispute regarding inaccurate reporting on my credit report. There were no material changes in my credit profile to warrant such a drastic score reduction. This appears to be a punitive action against me for exercising my rights under the Fair Credit Reporting Act ( FCRA ). 

Inaccurate Reporting by XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX continues to report an incorrect balance on an account that has been sold to multiple debt collectors. 
The debt collectors involved have failed to validate the debt, despite my multiple requests under the Fair Debt Collection Practices Act ( FDCPA ). 
Despite filing several disputes with the credit bureaus to address these inaccuracies, the errors remain unresolved. 
Failure to Address Disputes : My disputes have been ignored or mishandled by both XXXX XXXX XXXX and the credit bureaus, violating their obligations under the FCRA to ensure that only accurate and verifiable information is reported. 

Relief Sought : I am requesting the CFPB to take the following actions to resolve this matter : Require Immediate Deletion of the XXXX XXXX XXXX Account : The account is unverifiable, inaccurately reported, and legally should no longer appear on my credit report. 
Investigate the Unjustified FICO Score Reduction : My FICO score should be restored to its previous level, and punitive measures against consumers for disputing inaccurate information should be addressed. 
Ensure Compliance with the FCRA and FDCPA : Hold XXXX  XXXX XXXX and the credit bureaus accountable for their failure to comply with their legal obligations. 
Compensation for Damages : I seek compensation for the harm caused to my creditworthiness and the undue stress caused by these violations of my rights. 
Summary : This situation highlights clear violations of my rights as a consumer under the FCRA and FDCPA. XXXX XXXXXXXX XXXX has failed to report accurate information, credit bureaus have failed to act on my disputes, and my credit score has been unfairly penalized as a result. I trust the CFPB will investigate this matter thoroughly and ensure that appropriate corrective actions are taken. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Please see Complaint # XXXX for my initial complaints. Subsequently, Citizens responded to you, SLANDERING us, by accusing us of using the accounts in an " illicit, exploitive, or abusive manner. '' I repeatedly asked XXXX to give me the reason ( XXXX ) that they closed the accounts, but they refused. 

Before our accounts were closed, I changed to Citizens the accounts where Social Security direct deposits our monthly checks. Because Citizens closed the accounts, i needed to update where XXXX XXXX should deposit our future checks. To effect these changes as quickly as possible, I needed to speak with a XXXX XXXX representative rather than update our information online ( using the online method would not take affect until XXXX ). Unfortunately, the XXXX phone rep asked me for the current account numbers where our checks were being deposited, which because Citizens had blocked my online access, I no longer had. I asked Citizens to provide these numbers to me ( on both XX/XX/XXXX and XX/XX/year> ), but received no answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: Experian Information Solutions Inc.
State: GA

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXXXXXX XXXX XXXXXXXX. ( XXXX  ) ( XXXX ) XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( XXXX  ) ( XXXX ) 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 explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Strategic Alliances, Inc.
State: NV

Complaint narrative:
This debt was paid on XX/XX/XXXX, today, XX/XX/XXXX, they are still demanding payment from me, they were notified that it was paid, and they still message me. Unnecessary harassment.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: TX

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates XXXX XXXX XXXX regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( XXXX XXXXXXXX XXXX XXXXXXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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 2024-12-27 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: FL

Complaint narrative:
The company XXXX XXXX XXXX XXXX has yet to respond to any of my letters regarding the legitimacy of the debt. I'm not aware of who the company even is and how they got access to my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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: CA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under XXXX XXXX XXXX XXXX ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under XXXX XXXX XXXX XXXX ( XXXX ) XXXX of XXXX or XXXX XXXX, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within XXXX  days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of XXXX. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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