vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-01 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: TX

Complaint narrative:
Subject : Dispute of Collection Account Request for Removal Due to Lack of Debt Validation To Whom It May Concern, I am writing to dispute the accuracy of a collection account listed on my credit report under the account # [ XXXX ]. I previously requested debt validation from the collection agency handling this account, but they failed to provide the required validation. 
According to the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ), a collection agency must provide verification of the debt upon request. Since the collection agency has not provided this validation, the collection account should not be reported on my credit file.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I am requesting that you reinvestigate this matter. The continued reporting of this collection account without proper validation is inaccurate and violates the FDCPA. 
Please remove this collection account from my credit report and provide written confirmation of this action. If the collection agency can not validate the debt, the account must be deleted from my credit file as required by law. 
Thank you for your pro

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 2024-11-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sentry Credit, Inc.
State: IN

Complaint narrative:
I am writing to formally dispute the debt ] .I do not recognize this debt or the collection agency, nor have I entered into any agreement with your company. In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am requesting validation of this debt. Please provide documented evidence, including the original signed agreement, proving that this debt is valid and that I am responsible for it. If you are unable to verify the debt with such documentation, I demand that this item be removed from my credit report immediately, as required by the FCRA. Failure to provide proper validation of this debt will be considered a violation of my rights under the FCRA, and I will seek its removal from all credit reporting agencies. Thank you for your attention to this matter. I look forward to your prompt response within the timeframe established by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 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: NC

Complaint narrative:
I am writing to formally request the deletion of certain information from my credit report as I am a victim of identity theft. Pursuant to the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 U.S.C. 1681c-2 ( a ), I am requesting that the following account be blocked and deleted from my credit report : Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX Account Balance : {$14000.00}

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 2024-11-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: PA

Complaint narrative:
XXXX  XXXX sent {$560.00} to the collection agency DRS. I contacted XXXX  and they could not locate any account under me. They said I applied for a loan with them back in XXXX  and wasn't even approved. Sounds fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
On XX/XX/scrub> 2024, I mailed a Negotiable Instrument ( a United States XXXX XXXX XXXX XXXX ) No. XXXX as Tender of Payment in the amount of {$5000.00} to Bank of America along with proper instructions to credit my account accordingly in order to balance the account and set off any alleged debt obligations. My Negotiable Instrument was mailed by United States XXXX XXXX Certified Mail with Return Receipt ( tracking no. XXXX ). 

The Negotiable Instrument and Letter of Instruction both were delivered and signed for by XXXX of XXXX  XXXX XXXX representatives on XX/XX/scrub> 2024. 

As evidence, on XX/XX/scrub> 2024, XXXX  XXXX XXXX representatives printed the following text : Do Not Redeposit on the front of the money order ( instrument ) and Endorsed XXXX Check XXXX XX/XX/year> XXXX XXXX XXXX Card XXXX  XXXX XXXX on the bank of the money order ( instrument ). 

In summary, my Negotiable Instrument ( Money Order ) was deposited as instructed however, Bank of America 's representatives failed to credit my account in the amount {$5000.00} as further instructed. Their neglect to properly handle my credit ( XXXX ) has caused me financial hardship. Their irresponsibility resulted in billing errors which led to late payments being reported to XXXX, XXXX and XXXX, being denied credit and having other accounts closed due to their misreporting. 

Furthermore, I never gave Bank of America written consent to make my private financial transaction information known to the public therefore Bank of America has violated my Right to Privacy by reporting this information to the XXXX credit agencies. 

To add, Bank of America did not provide me with all the necessary and required disclosures they are supposed to have provided, in regard to the Truth In Lending Act ( TILA ). 

I want Bank of America 's representatives to rectify the situation and put my account back in good standing. Bank of America should credit the account in the amount of {$5000.00} backdating to XX/XX/scrub>, 2024, before there were any reported late payments to my consumer report. Bank of America should also refund any payments to me from said account as they were billing errors from the beginning. Lastly, I will like them to reopen this account and set the balance to {$0.00} ( XXXX dollars and cents ).

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 2024-11-01 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: UT

Complaint narrative:
XX/XX/year>2024 Subject : Formal Complaint Against Equifax for Failure to Correct Inaccurate Late Payment Reporting. 
To Whom It May Concern : I am filing a formal complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for account XXXX XXXX XXXX, account number XXXX. Despite multiple requests for correction ( letters dated XX/XX/year>2024 ), my requests have been ignored. This lack of response constitutes a violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations : Under 15 U.S. Code 1681i, credit reporting agencies are required to ensure the accuracy of information in consumer files. The continued reporting of incorrect late payments on my account is a breach of this legal obligation. Furthermore, according to 15 U.S. Code 1666b, creditors are mandated to send periodic statements at least XXXX  days before the payment due date. The inaccurate late payment reporting on this account suggests a failure to comply with this requirement.

TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The persistent misreporting of late payments on my account has caused undue harm to my creditworthiness, a direct consequence of TILA 's protective intention. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : This act highlights the responsibility of creditors to provide timely statements, thus preventing unfair penalties to consumers. The inaccurate late payment reporting on this account violates this consumer protection, impacting my financial standing unjustly. 
Payment History and Errors Equifax shows an inaccurate XXXX-day late entry in XXXX, which I have previously disputed.

Lack of Resolution Since Previous Dispute I have submitted multiple disputes regarding these inaccuracies, yet there has been no corrective action taken by Equifax. This persistent inaction has continued to harm my credit standing and is a violation of both my consumer rights and the relevant federal statutes. 
Desired Resolution Immediate Removal : I am formally requesting the immediate removal of the inaccurate late payment notation from my credit report. 
Written Confirmation : Please provide written confirmation of this correction. 
If this matter is not resolved promptly, I will consider escalating my complaint, including potential legal action and further complaints with appropriate regulatory agencies. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX/XXXX/2024

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-01 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: TX

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.

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 2024-11-01 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: MN

Complaint narrative:
In accordance with the Fair Credit Reporting act, The list of accounts below has violated my federally protected consumer right 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 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  15 U.S.C 1681 section 602 A State, I have right to privacy 15 U.S.C 1681 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 a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-01 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: MN

Complaint narrative:
In accordance with the Fair Credit Reporting act, The list of accounts below has violated my federally protected consumer right 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 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  15 U.S.C 1681 section 602 A State, I have right to privacy 15 U.S.C 1681 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 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 2024-11-01 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: FL

Complaint narrative:
Ive been trying to clean my credit file up with the mess thats been happening due to identity theft not XXXX company is being compliant except XXXX I really really need my credit file cleaned I filed FTC reports Police reports and Multiple Complaints here. Im attached my reports to this complaint to have my accounts removed multiple inquiries and accounts were open I paid away some but some I cant bare to keep letting it affect me because of the bad people in this world

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 2024-11-01 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: FL

Complaint narrative:
Today, I checked my credit report and noticed that there's an inquiry that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report, it is stressing me out and making me anxious.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 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: TX

Complaint narrative:
I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.

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 2024-11-01 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: CA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XX/XX/XXXX Re : Removal Request Of Unauthorized Hard Inquiries Dear Credit Reporting Agency, The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 



XXXX XXXX Date of inquiry : XX/XX/XXXX I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity. Please forward any changes to my file to the address above and to the necessary creditors within the allotted legal time frame. 



Best regards, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-01 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: LA

Complaint narrative:
The Fair Credit Reporting Act gives me the opportunity to dispute any information on my credit report that I believe is inaccurate. This law requires that all data included in a consumer 's file be documented and validated before it can go live for use by creditors, so I take this seriously! The allegations of delinquency and derogatoriness against me are false, and I will fight back with all my strength! Your report 's accuracy is crucial. The allegations you list don't meet federal or state requirements for reporting, so they can't be confirmed. I challenge this claim because it lacks compliance with basic reporting standards that would make me feel more confident in what's being said. You're required to maintain and report data with complete accuracy and compliance.You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format, which is required by law ( FCRA ) and reporting standards like XXXX XXXX. So please take care with this! However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you're not doing your job properly. If this issue isn't resolved immediately, there could be serious consequences, so I'm giving you XXXX  days from now ( the date of delivery ) to hopefully get everything sorted out and correct itself with no need for intervention or escalation! I would also like to receive physical proof of your actions and my updated credit report. The listed claims appear to be inaccurate. Please provide accurate and verified information for each claim, as the allegations are not true or I'll delete them immediately if that is indeed the case!

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 2024-11-01 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: CA

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of an unauthorized inquiry on my credit report. I have been a victim of identity theft, which has resulted in unauthorized activity on my report. Under the guidelines of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to request the removal of any entries associated with fraud. 
The inquiry in question is as follows : XXXX XXXX XXXX o Inquiry Date : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 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: NV

Complaint narrative:
After reviewing my credit report and noticed i had fraudulent accounts on my report. This account was already removed 6 months ago by experian as fraudlent but they still activating on my credit report after 6 months. This is an illegal action by this agency. Please remove the account " XXXX '' from my report, they are hurting my ability to credit.

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 2024-11-01 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: TX

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on 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