vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-23 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: KY

Complaint narrative:
Please Remove this inaccurate information from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them.Please remove any information that the creditor can not verify.I understand that under 15 U.S.C Sec 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. I believe this account is either inaccurate or not reflective. 

PLEASE send an updated copy of my credit report. According to the act there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

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 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CarMax, Inc.
State: AL

Complaint narrative:
Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error, and I just would like for it to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-09-23 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: LA

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 informationisinaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-23 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I am submitting new information, including a letter received by Macys on XX/XX/year>XXXX  Citibank needs to notify the law firm XXXX XXXX XXXX that the Macys credit card balance was due to fraud, and I am not responsible for it

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 monetary relief
Consumer complaint received 2024-09-23 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: IL

Complaint narrative:
I am writing to formally dispute the inaccurate reporting of the XXXX XXXX XXXX XXXX account, issued by XXXXXXXX XXXX XXXX and ending in XXXX, on my credit report. Despite my previous communication with XXXX and their response ( enclosed ), I believe the reporting of this account contains several inaccuracies that have not been addressed appropriately. 

Inaccuracies Noted : Inconsistent Reporting Dates : The account 's date of last activity, charge-off date, and other key data points vary across the major credit bureaus. XXXX alleges the last activity date as XX/XX/XXXX, with a charge-off on XX/XX/XXXX, yet my credit report reflects conflicting information, which has negatively impacted my credit score. 

Balance Discrepancy : While XXXX claims the balance owed is {$620.00}, there are inconsistencies in how this amount is reported across different credit bureaus. For example, the balance listed on XXXX is {$240.00}, while TransUnion and XXXX reflect the higher amount. This discrepancy violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s2, which mandates accurate and consistent reporting. 

Failure to Investigate the Claim Thoroughly : Despite XXXX investigation, they failed to properly validate the inconsistent reporting of the account, including incorrect balance and last activity information. Additionally, their failure to provide adequate documentation supporting these figures raises questions about the legitimacy of the 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 2024-09-23 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: IL

Complaint narrative:
I am writing to formally dispute the inaccurate reporting of the XXXX XXXX XXXX XXXX account, issued by XXXXXXXX XXXX XXXX and ending in XXXX, on my credit report. Despite my previous communication with XXXX and their response ( enclosed ), I believe the reporting of this account contains several inaccuracies that have not been addressed appropriately. 

Inaccuracies Noted : Inconsistent Reporting Dates : The account 's date of last activity, charge-off date, and other key data points vary across the major credit bureaus. XXXX alleges the last activity date as XX/XX/XXXX, with a charge-off on XX/XX/XXXX, yet my credit report reflects conflicting information, which has negatively impacted my credit score. 

Balance Discrepancy : While XXXX claims the balance owed is {$620.00}, there are inconsistencies in how this amount is reported across different credit bureaus. For example, the balance listed on Equifax is {$240.00}, while XXXX and XXXX reflect the higher amount. This discrepancy violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s2, which mandates accurate and consistent reporting. 

Failure to Investigate the Claim Thoroughly : Despite XXXX investigation, they failed to properly validate the inconsistent reporting of the account, including incorrect balance and last activity information. Additionally, their failure to provide adequate documentation supporting these figures raises questions about the legitimacy of the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XX/XX/year> Resurgent/LVNV Funding XXXX XXXX XXXX [ XXXX, SC, XXXX ] Subject : Request for Debt Validation under Section 609 of the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am writing to formally request validation of the debt that your company claims I owe, as per my rights under Section 609 of the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). I recently obtained a copy of my credit report, and I noticed an entry from your company regarding a debt that I do not recognize. 

The account in question is : - Original Creditor XXXX XXXX XXXX ] - Account Number XXXX - XXXX. 

In accordance with Section 609 of the FCRA, I request that you provide me with the following information : 1. **A copy of the original signed contract or agreement** that substantiates the debt.

2. **The full account history** and itemized statement of the account in question, showing all charges, payments, and fees.

3. **Verification and documentation** of the chain of custody of the debt, including any transfer or assignment to your company.

4. **The name and address of the original creditor** if different from the current creditor.

5. **Proof that your company is licensed** to collect debt in my state, including the license number and the effective dates of the license.

Additionally, please provide me with a full description of your process for investigating and verifying the accuracy of this debt, as well as any documentation you relied upon in reporting this debt to the credit bureaus.

Under the FCRA, you are required to provide me with accurate and complete information regarding this debt. If you are unable to validate this debt, you are obligated to promptly remove it from my credit report and cease any collection activities.

Please consider this letter as a written request for a full validation of the debt in question. Until I receive this information, I am disputing the validity of this debt, and I expect you to mark this account as " in dispute '' on any reporting to the credit bureaus.

I also request that you provide a written response within 30 days of receipt of this letter, confirming that the debt has been validated or, if you can not validate it, that it has been removed from my credit report.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Under the Fair Debt Collect Practice Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. Be advised that I am not requesting Verification, I am requesting a Validation that is, competent evidence that I have some contractual obligation to pay you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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: MS

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 informationisinaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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: SC

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report 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. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) 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 reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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:
First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXXXXXX 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 2024-09-23 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: MD

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"

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 2024-09-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
These companies pulled my credit report without my authorization, and its had a direct impact on my credit score. I reached out to Equifax, and although a representative promised these fraudulent inquiries would be removed, they are still present. This situation is deeply concerning, as Im now worried about potential identity theft. Beyond the stress of dealing with these inaccuracies, the damage to my credit score is affecting my financial options, limiting my ability to get approved for loans or credit, and adding even more pressure to my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-23 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: Bright Capital Inc
State: OH

Complaint narrative:
I had an account with bright money at the time it was done they took {$40.00} out of my checking account for one thing and {$10.00} for something else it was not authorized I called wrote the company told them they close that account and to refund my money this was on XX/XX/XXXX they said it would be refunded within five business days and the money has not been returned to my account

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 2024-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
Dear TD Bank Customer Service, I am writing to formally express my dissatisfaction with the handling of my recent dispute. On XX/XX/XXXX, I reported that I dropped my card and that several charges were unauthorized. The following day, I was informed that my dispute had been closed without a proper resolution. 

When I called again today, I was told that my claim was still open, yet there was no update on the status. I find it unacceptable that my concerns are being ignored, and I am frustrated by the refusal to properly address these charges. 

This situation has caused significant inconvenience in my life. I have been forced to call out of work and am struggling to manage my day-to-day needs. 

I urge you to reopen my dispute and take immediate action to resolve this issue. I appreciate your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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:
These companies pulled my credit report without my authorization, and its had a direct impact on my credit score. I reached out to Experian, and although a representative promised these fraudulent inquiries would be removed, they are still present. This situation is deeply concerning, as Im now worried about potential identity theft. Beyond the stress of dealing with these inaccuracies, the damage to my credit score is affecting my financial options, limiting my ability to get approved for loans or credit, and adding even more pressure to my life.

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