vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am filing this formal dispute to demand immediate corrective action regarding several issues with my credit report and the mishandling of my accounts. I have been a victim of poor identification practices and fraud, and I expect the CFPB to take urgent measures to address these ongoing violations. 

Fraudulent XXXX  Account : A fraudulent account was opened in my name with XXXX in XXXX under the account number XXXX XXXX XXXX XXXX. I did not authorize this account, and I have repeatedly reported it as fraudulent. This account continues to negatively impact my credit, and no sufficient action has been taken to remove it. 

Valid Account Closure Due to Identification Errors : In XXXX, I opened a legitimate account under the number XXXX XXXX XXXX XXXX, which was wrongfully closed due to identification errors. This needs to be immediately corrected. I demand that proper attention be given to the account numbers to resolve this issue without further mistakes. It is unacceptable that my valid account was closed while fraudulent ones remain unresolved. 

XXXX XXXX Account with Incorrect Address : There is a XXXX XXXX account appearing on my report linked to an address at XXXX XXXX XXXX, XXXX XXXX, XXXX, SC, a place I have never lived. The only correct address where I have resided is XXXX XXXX XXXX, XXXX, SC, and I have been at my current residence since XX/XX/XXXX. I paid the {$67.00} balance on this XXXX XXXX account without fully examining my report, but this was not an account I opened. This fraudulent account must be removed from my credit report immediately. 

Hard Inquiries : All hard inquiries on my credit report must be removed, as I have since frozen my credit reports due to these fraudulent activities. These unauthorized inquiries have further damaged my credit, and their continued presence violates my rights. 

XXXX has repeatedly failed to comply with my requests and continues to allow false information to remain on my credit report. This blatant disregard for accuracy and compliance with the Fair Credit Reporting Act ( FCRA ) is intolerable. I demand immediate corrective action and removal of all fraudulent accounts, incorrect addresses, and unauthorized inquiries. 

I expect this matter to be resolved immediately. Failure to address these issues will result in further escalation, including legal action if necessary. 

Please confirm receipt of this dispute and provide written confirmation of the steps taken to resolve these matters as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Property Receivables, Corp
State: FL

Complaint narrative:
I called this collector to explain me this debt, I'm not received what is the debt they charge me. She told me is for fee or cleaning something like that but that was not my contract, I was leasing and my contract was finish I'm just move to another appartement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: FL

Complaint narrative:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : XXXX XXXX Balance {$340000.00} XXXX XXXX  XXXX XXXX Balance {$2000.00} XXXX XXXX  XXXX XXXX Balance {$6800.00} XXXX XXXX  XXXX XXXX Balance : {$6700.00} XXXX XXXX XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance {$1000.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance {$1800.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$1500.00} XXXX XXXX  XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX  XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : XXXX XXXX Balance {$340000.00} XXXX XXXX  XXXX XXXX Balance {$2000.00} XXXX XXXX  XXXX XXXX Balance {$6800.00} XXXX XXXX  XXXX XXXX Balance : {$6700.00} XXXX XXXX XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance {$1000.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance {$1800.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$1500.00} XXXX XXXX  XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX  XXXX XX/XX/year>

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 2024-10-22 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: FL

Complaint narrative:
Dear Experian As a Federally protected consumer, Ive noticed several violations to my rights. Several of my nonpublic information has been exposed, I have been a victim of identity theft before and information being broadcasted in the manner you have I am now susceptible to being a victim once again.My XXXX account & my XXXX XXXX  accounts gives an great amount of in depth information, such as the amount I paid and the exact date etc. that information violations 16 CFR 313.3 Definitions ( n ) ( 1 ) Nonpublic personal informationmeans : ( i ) Personally identifiable financial information; and ( ii ) Any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any personally identifiable financial information that is not publicly available. 
( 2 ) Nonpublic personal informationdoes not include : ( i ) Publicly available information, except as included on a list described in paragraph ( n ) ( 1 ) ( ii ) of this section; or ( ii ) Any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived without using any personally identifiable financial information that is not publicly available. 
The exact amount, dates & current status of the account is only information that can be obtained by using my non public information .Also that particular information isnt public hence to why you have to call and give certain information to access those details.

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 2024-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I received a Jet Blue credit card in the mail from Barclays bank that I did not apply for XX/XX/year>. I called the bank 's phone number on the paperwork and spoke with a male representative with an XXXX  about my concerns. I told him that I did not apply for a credit card but it looked like this is what was sent in the mail. He asked me " did you recently go on a cruise ''. I thought this was a strange question, but I had gone on a cruise with my husband in XXXX so I said " yes. '' He told me " oh well this was just a promotion and not a credit card ''. I wanted clarification stating " So this is not a credit card its just a promotional thing that was sent? ". Again he stated " yes, there is no balance on the card, it is closed and you can shred it. '' I was relieved and then I did shred the card but I did take a picture of it first because I thought it was odd. Several weeks later I saw that my credit score was dropping and I received several credit card denial letters-cards I never applied to and realized that someone was using my information to apply for cards. Luckily the other cards were denied but the Barclays Jet Blue card that I was told was not a card now showed to have a balance of {$4800.00} on it. I put a freeze on my credit with XXXX. I called Barclays and reported the card and charges were fraudulent with XXXX. XXXX told me that the card was not closed initially because of fraud but had been closed " because you told us you had to many credit cards ''. This was a complete false statement and I never closed the card because initially I was told it was never opened and that it was a " promotion ''. After waiting for Barclays fraud investigation they sent a letter XX/XX/year> stating that their investigation showed that the card and charges were " not fraudulent ''. They continue to report late payments to credit bureaus and worsen my credit score. When I googled " Jetblue Mastercard Scam '' I learned of several other people that were also scammed this same way in Spring-Summer 2024. I have also received letters from 3 different companies that my personal information was hacked in the past 10 months and identity is at risk. I have attached paperwork from various cards that were applied for fraudulently as well as the notices that my personal information was at risk.

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 2024-10-22 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: LA

Complaint narrative:
I have discovered unauthorized accounts and inquiries on my consumer report, prompting me to file a complaint with the Federal Trade Commision. ( FTC ) My grievance is directed towards XXXX, XXXX, and Equifax for infringing upon my consumer rights by including these accounts on my credit report. I strongly believe that this situation exploits me, and I seek resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 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: LA

Complaint narrative:
I have discovered unauthorized accounts and inquiries on my consumer report, prompting me to file a complaint with the Federal Trade Commision. ( FTC ) My grievance is directed towards Experian, XXXX, and XXXX for infringing upon my consumer rights by including these accounts on my credit report. I strongly believe that this situation exploits me, and I seek resolution.

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 2024-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MN

Complaint narrative:
This is an ongoing XXXX from previous complaints. The latest is LvNV responded to previous complaint the letter states that a summoned was served on XX/XX/year>. Please provide proof that summoned was received by said party how was it sent what address was the summoned sent to was a signature required and proof of signature signed for summoned. As of today I have not received any summons as the company allegedly reporting. I believe this to be false information on the companys part. Also the letter states that the the amount has been charged off, of amount has been charged off how is there a balanced owed? Where is the 1099c? I also requested proof of validation of debt a copy of original contract and LVNV contract with said signature. As of todays date I have not received validation of the alleged debt or contracts with my said signature. If LVNV can not provide proof of validation and contract with my signed signature this debt needs to be removed immediately. Last complaint ID XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: AR

Complaint narrative:
There are incorrect entries on my credit report related to 15 USC 1681c-2, with unauthorized inquiries hurting my credit. I request the removal of all hard inquiries I did not approve. Thanks!

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 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
I am writing to file a formal complaint against TransUnion, a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material into my credit report. 
I sent a letter to TransUnion notifying them of the reinsertion of XXXX  XXXX XXXX account number XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). Despite waiting for 35 days after sending the letter, TransUnion has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations. 
TransUnion 's actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with TransUnion, they have neglected to take appropriate action, demonstrating a lack of accountabilitv and compliance with federal consumer protection laws. 

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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 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has been violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 

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 an 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 consumer to any consumer reporting agency if the person knows or have reasonable cause to believe the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Extreme failure on TransUnion Organization to safeguard fraud victims. TransUnion inability to acknowledge teamwork in overseeing delicate matters at hand is truly and undeniable a catastrophic failure in there unorganized structure in there workforce to acknowledge of laws governing credit reporting and lack of empathy for fraud victims. Case in point, a Federal Trade Commission Report was submitted to TransUnion, detailing all fraudulent accounts. TransUnion failed miserably, to simply comprehend such a clear lawful order. XXXX and XXXX understood the laws governing credit reporting and cleared all fraudulent accounts accompanied with Federal Trade Commission Report, detailing 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 2024-10-22 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: MI

Complaint narrative:
I am writing to you again regarding a persistent error on my credit report, in which late payments are inaccurately listed. I have previously filed a dispute concerning this matter, but the response I received was neither satisfactory nor conclusive. Furthermore, I have not been provided with any evidence that these late payments actually belong to me. 
The item in question is a late payment reported by XXXX XXXX XXXXXXXX for the account number XXXX late payments are reported as being dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I would like to remind you that under the Fair Credit Reporting Act ( FCRA, 15 U.S. Code 1681i ), Experian are required to thoroughly investigate disputes and correct any inaccurate information. Additionally, under the Truth in Lending Act ( TILA, 15 U.S. Code 1637 ( b ) ), creditors must ensure that information about the terms of credit, including payments, is accurate and correctly reflected.

Moreover, under 15 U.S. Code 1681s-2, furnishers of information are obligated to ensure that the data they report to credit agencies is accurate. The incorrect late payments should be removed from my credit report, as I have no evidence indicating that these payments actually correspond to my account. 
Therefore, in accordance with the laws mentioned, I demand the following : A new and thorough investigation of the late payments on my credit report, followed by correction of any inaccuracies. 
The immediate removal of any late payment entries that are incorrect or unjustified. 
The provision of verifiable evidence proving that these late payments belong to me, should they not be removed from my 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 explanation
Consumer complaint received 2024-10-22 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: MI

Complaint narrative:
I am writing to you again regarding a persistent error on my credit report, in which late payments are inaccurately listed. I have previously filed a dispute concerning this matter, but the response I received was neither satisfactory nor conclusive. Furthermore, I have not been provided with any evidence that these late payments actually belong to me. 
The item in question is a late payment reported by XXXX XXXX XXXXXXXX for the account number 120001**********The late payments are reported as being dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I would like to remind you that under the Fair Credit Reporting Act ( FCRA, 15 U.S. Code 1681i ), Experian are required to thoroughly investigate disputes and correct any inaccurate information. Additionally, under the Truth in Lending Act ( TILA, 15 U.S. Code 1637 ( b ) ), creditors must ensure that information about the terms of credit, including payments, is accurate and correctly reflected.

Moreover, under 15 U.S. Code 1681s-2, furnishers of information are obligated to ensure that the data they report to credit agencies is accurate. The incorrect late payments should be removed from my credit report, as I have no evidence indicating that these payments actually correspond to my account. 
Therefore, in accordance with the laws mentioned, I demand the following : A new and thorough investigation of the late payments on my credit report, followed by correction of any inaccuracies. 
The immediate removal of any late payment entries that are incorrect or unjustified. 
The provision of verifiable evidence proving that these late payments belong to me, should they not be removed from my 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 explanation
Consumer complaint received 2024-10-22 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: MO

Complaint narrative:
I have noticed incorrect inquiries on my credit report under 15 USC 1681c-2, which were not authorized. These are affecting my credit score, so I request the removal of all unauthorized hard inquiries. Thank you.

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 2024-10-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC.
State: NV

Complaint narrative:
This debt is not mine as the contract belongs to XXXX XXXX. And my name is XXXX XXXX. The mispelling of my name finalizes that this debt is not mine based on the improper spelling of my name

Company response to consumer: Closed with explanation