vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within XXXX business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


XXXX Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA XXXX XXXX ( False and Misleading Representations ) and FCRA XXXX ( Identity Theft Claims ). These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( XXXX ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccura
cies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!

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 2024-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Phillips & Cohen Associates, Ltd.
State: NY

Complaint narrative:
Philip & Cohen Associates, LTD have called more than 5 times. They ask for a person. They are told that this number does not accept recorded calls and that the person is XXXX  XXXX. 

They then become belligerent, telling me to hang up. That they don't have that I owe money and am nothing but a loser. 

They are told each time not to contact this number but continue to do so a few days later. 

They are to cease and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I need need all inquiries that do not have an account associated with me that is active needs to be removed under the law of 18 usc 1028A

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove this account from my report, they are hurting my ability to obtain credit. 

This account has late payments that I never had and violates my rights as a consumer. 

Also based on the laws that protect me as a consumer, I see that this account is updated every month, which is illegal.

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 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
My " myEquifax '' online has absolutely ZERO information on my credit report even though I have XXXX credit card accounts that are valid and current. XXXX XXXX and XXXX are reporting my information correctly and religiously yet Equifax has refused to do so. This is not the first time I am dealing with this negligent anomaly from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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: NY

Complaint narrative:
These companies accessed my credit report without my consent, which has negatively affected both my credit and credit score. Despite contacting Equifax and receiving assurances that these inquiries would be removed, they still appear on my credit report. These unauthorized and fraudulent inquiries are causing me significant anxiety, as they indicate potential identity theft, exacerbating my stress and further harming my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To whom may concern : I am a victim of identity theft the accounts listed below are not any companies that I have applied for credit from. They are all accounts opened without my knowledge or permission. They are fraudulent and need to be removed immediately. 
I have filed the proper documents with my local law enforcement agency as well as with the FTC. I am providing you copies of these items to support my case. So with all that I mentioned and the supporting documentation you must follow the law and remove these items. 

Accounts to remove : XXXX XXXX - # XXXX - {$1900.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - # XXXX - {$3000.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX - {$50000.00} 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 explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: LA

Complaint narrative:
Around month of XXXX I have took my retirement money and trusted chime as a bank to hold my funds to invest to properties. Today around XX/XX/XXXX I have recently seen this email saying my account was closed with over XXXX plus USD from my retirement and can not be refunded. I have called them multiple times to receive information on why my account was closed without any refunds and they decided to hang up on me without any information. I wanted to verify and get my hardworking funds back but again they still proceeded to not share any information and hang up on me time again. I am very disappointed and trusted chime to hold my investments. This is not how any customer who bank with this company should be treated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
I tried to get information about this account once they started calling me saying I owed {$1300.00}. At first they said the account was under the name XXXX XXXX. Well that's not my name. Then they said, well your name is listed as an authorized user. I didn't believe that but even if it was, does that make me legally responsible for the debt? So I disputed the account with the credit agencies and they came back and all of the sudden XXXXXXXX XXXX name was off the account and only my name was on there. How did XXXX XXXX  Name show up as one of my aliases on my credit report? I had to challenge that and have that removed. They say this account was opened on XXXX of XXXX and went into collections in XXXX of XXXX. That's might quickly. If it's for a cell phone, I'd have a new cell phone that came out in XXXX. Then why is my cellphone the XXXX version that I'm just trying to upgrade now, but can't because I've got credit issues due to false claims like these?

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 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SLM CORPORATION
State: KS

Complaint narrative:
I am cosigner of my daughters Sallie Mae account. My daughter always made payments in good standing She went into a special plan in XX/XX/XXXX due to loss of job and made payments every month until In XXXX of XXXX payment was 2 days late and sallie mae refused to take payment. Response from sallie mae was call back account was not in collections. Sallie mae would not respond to repeated attempts to take paymemt and sent account to collections. My daughter and I each have {$10.00} XXXX to sallie mae and that is not even the correct amount! I am XXXX XXXX XXXX and had great credit. I have a mortgage since XXXX in good standing and purchased a car last year. Sallie mae has pretty much ruined my life!!!! Please who can help. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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: TX

Complaint narrative:
I am disputing an alleged debt that LVNV Funding LLC is attempting to collect. The debt is related to an account originally held with XXXX XXXX XXXX XXXXXXXX, with a balance of {$640.00}. However, I do not recognize this debt and have requested validation under the Fair Debt Collection Practices Act ( FDCPA ). On [ Insert Date of Sending the Letter ], I sent a formal debt validation letter to LVNV Funding LLC, requesting proof of the debt, itemization, and legal documentation proving that they own the debt and have the right to collect it. 

Despite my request, LVNV Funding LLC has failed to provide sufficient documentation that demonstrates their legal right to collect this debt, nor have they provided a copy of the original signed agreement or any verification of the balance. They have reported this account to the credit bureaus, and this is negatively impacting my credit score without proper validation.

I am requesting the CFPBs assistance in ensuring that LVNV Funding LLC provides the required documentation and removes any incorrect or unverifiable information from my credit report. Additionally, I have requested that all further communication from LVNV Funding LLC be in writing only, and they cease all phone contact as it has become harassing. 

I appreciate your attention to this matter and request a full investigation into LVNV Funding LLC 's practices and compliance with federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am asking for your assistance regarding this misleading account that appears on my credit report. I have raised this issue because it has harmed my reputation, and I need your help. Your poor management of my credit report has put me in a difficult position, as this false information has ruined my reputation. You must eliminate this incorrect data from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS
State: CA

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows XXXX XXXX XXXX XXXX  Case Number : XXXX XXXX XXXX XXXX Case Number : XXXX XXXX XXXX XXXX Case Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX Collection : XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX Inquiries XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry XXXX XX/XX/XXXX Personal Info : Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX XXXX Name : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Account Name : XXXX  Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX  XXXX Account Number : XXXX Reason : I don't recognize this 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 non-monetary relief
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Account Name : XXXX  Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 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: NY

Complaint narrative:
These companies accessed my credit report without my consent, which has negatively affected both my credit and credit score. Despite contacting Experian and receiving assurances that these inquiries would be removed, they still appear on my credit report. These unauthorized and fraudulent inquiries are causing me significant anxiety, as they indicate potential identity theft, exacerbating my stress and further harming my credit score.

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 2024-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southern Management Systems Inc.
State: GA

Complaint narrative:
Dear [ Debt Collectors Name ], I am writing in response to your notice dated [ Date of Letter You Received ] regarding the debt with the above-referenced account number. I hereby request that you provide me with the following information, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g Sec. 809 ( b ) : 1. Proof of the debt ( the amount and how it was calculated ).

2. A copy of the original signed agreement or contract with the creditor.

3. The name and address of the original creditor.

4. Proof that you are legally entitled to collect this debt.

5. A complete account history, including any interest, fees, or penalties added after the original amount. 



Please consider this letter as a dispute of the alleged debt and a formal request for validation. If you are unable to validate the debt, please stop all collection activities and cease further communication with me regarding this matter. 



I also request that any adverse or negative information regarding this alleged debt be removed from my credit report until this matter is resolved. 



Thank you for your attention to this matter. I look forward to your prompt response, as required under the FDCPA. 



Sincerely, [ Your Full Name ] [ Your Signature ( if mailing a physical copy ) ]

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Upon carefully examining my credit report, I identified several accounts that are incorrect and appear to have been added without my knowledge.

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 2024-10-02 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: GA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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