vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-25 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:
XXXX XXXX is reporting XXXX late payments ( XXXX, XXXX, and XXXX days past due ) for both accounts [ Account Numbers : XXXX and XXXX ]. These entries are inconsistent with my payment history. Despite disputes submitted on XX/XX/year>, XXXX XXXX has failed to provide validation. 

This letter serves as a formal request for investigation and validation under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
Issues Identified Account XXXX [ XXXX ] : XXXX late payments ( XXXX, XXXX, and XXXX days past due ) have been reported inaccurately. 
A past-due amount of {$30.00} is listed without proper validation or notice. 
Account XXXX [ XXXX ] : Similar late payment markers ( XXXX, XXXX, and XXXX days past due ) and a {$30.00} past-due balance are being inaccurately reported. 
Consumer Law Violations 15 U.S.C. 1681i ( a ) : Under the FCRA, I have the right to dispute the completeness or accuracy of any item on my credit report. XXXX XXXX is obligated to investigate and correct any inaccurate information. 
15 U.S.C. 1692g : The FDCPA requires creditors or collectors to validate debts upon request. This includes providing accurate documentation of the delinquency and any supporting information.

Demands for Validation and Resolution I request that XXXX XXXX conduct a thorough investigation and provide the following : Validation of the reported late payments, including dates, payment history, and proof of delinquency notices sent to me. 
Documentation to substantiate the {$30.00} past-due amount for both accounts, including itemized charges, fees, and original agreements. 
Immediate removal of any unvalidated or inaccurate information from all credit reporting agencies. 


Attached is a copy of the debt validation letter, copy of my DL, Credit Report, SS Card, Insurance Card for address verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: IL

Complaint narrative:
XXXX XXXX is reporting XXXX late payments ( XXXX, XXXX, and XXXX days past due ) for both accounts [ Account Numbers : XXXX and XXXX ]. These entries are inconsistent with my payment history. Despite disputes submitted on XX/XX/year>, XXXX XXXX has failed to provide validation. 

This letter serves as a formal request for investigation and validation under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
Issues Identified Account XXXX [ XXXX ] : XXXX late payments ( XXXX, XXXX, and XXXX days past due ) have been reported inaccurately. 
A past-due amount of {$30.00} is listed without proper validation or notice. 
Account XXXX [ XXXX ] : Similar late payment markers ( XXXX, XXXX, and XXXX days past due ) and a {$30.00} past-due balance are being inaccurately reported. 
Consumer Law Violations 15 U.S.C. 1681i ( a ) : Under the FCRA, I have the right to dispute the completeness or accuracy of any item on my credit report. XXXX XXXX is obligated to investigate and correct any inaccurate information. 
15 U.S.C. 1692g : The FDCPA requires creditors or collectors to validate debts upon request. This includes providing accurate documentation of the delinquency and any supporting information.

Demands for Validation and Resolution I request that XXXX XXXX conduct a thorough investigation and provide the following : Validation of the reported late payments, including dates, payment history, and proof of delinquency notices sent to me. 
Documentation to substantiate the {$30.00} past-due amount for both accounts, including itemized charges, fees, and original agreements. 
Immediate removal of any unvalidated or inaccurate information from all credit reporting agencies. 


Attached is a copy of the debt validation letter, copy of my DL, Credit Report, SS Card, Insurance Card for address verification.

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 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX used my credit improperly violating 15 U.S.C 1681 they never got my permission to publish incorrect information to my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: RI

Complaint narrative:
please remove these item that i request to remove from the past months and still reporting on my report, i already comply all the needed detail

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to formally dispute a collection account that has been reported to my credit file by Collection Agency 's. I believe this action is unlawful and in violation of several consumer protection laws as outlined in the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.

1. **Failure to Provide Validation Information** Under 12 CFR 1006.34 ( b ) ( 5 ), a collection agency is required to provide validation information regarding the debt in question before any reporting can occur. Despite my request for this information, Collection Agency 's has failed to provide any validation pertaining to the alleged debt, yet they have proceeded to report it to the credit bureaus.

2. **Right to Dispute** I have not been afforded the opportunity to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ). I have made several attempts to reach out for clarification, but these requests have gone unanswered, violating my rights as a consumer seeking to dispute the validity of this account.

3. **Misleading and Deceptive Practices** I firmly believe that Collection Agencys is engaging in false, misleading, and deceptive practices concerning the collection of this account. Under various consumer protection laws, including 12 CFR 1006.34, such practices are strictly prohibited, and I request an investigation into this matter.

4. **Unauthorized Reporting** The collection agency has no lawful authority to furnish information to consumer reporting agencies without adhering to all disclosure requirements mandated by law. They are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S1q 2 ( 7 ) ( a ), which state that no reporting can occur without appropriate disclosures. This has caused serious harm to my credit report and overall financial standing.

In light of these violations, I kindly request the Consumer Financial Protection Bureau to investigate this matter. I seek appropriate corrective action to have this collection account removed from my credit report and ensure that Collection Agency 's adheres to legal obligations going forward.

Attached to this letter are relevant documents supporting my dispute, including correspondences with Collection Agency 's and my credit report reflecting the disputed account. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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:
The company is in violation of my consumer rights as outlined under the FCRA. According to the FCRA, all information on a consumer credit report must be 100 % accurate and verifiable. 
The company has included fraudulent, inaccurate accounts on my consumer credit file making that a violation of the law. I am a victim of identity theft and have no knowledge of these accounts. I have reported this incident to the FTC and included a copy of the report with this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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: NY

Complaint narrative:
I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the accounts are even mine though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX 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 2024-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have made three attempts to resolve the issue with the credit bureau reporting this account as a debt collection owed. The third-party debt collector, XXXX XXXX XXXX XXXX XXXX purchased this item for less than owed. How much the collection company paid I don't know, and neither does it reflect such an amount on my report. I contacted the credit bureau in XXXX, XXXX, and XX/XX/year>. They have done nothing in response to my request to delete this item. I am exercising my rights because this is clearly a violation of the FCRA, section 609 and 611. This unfair reporting and has tarnished my credit file. Therefore, this needs to be deleted immediately. I have attached my supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: FL

Complaint narrative:
Dear [ CFPB ], I am filing an urgent complaint regarding fraudulent charges and accounts that appeared on my credit report. I am a victim of identity theft, and unknown individuals have opened accounts in my name without my consent. Despite my repeated attempts to resolve this, no creditors or bureaus have provided any contracts, signatures, or proof to substantiate these transactions. These fraudulent accounts were initially removed from my credit report but were later re-reported without proper notification. The accounts were reinstated without notifying me within the required 5-day window, as mandated by 15 U.S.C. 1692g ( Validation of Debts ), which constitutes a clear violation of my consumer rights. Additionally, the accounts are reported with inconsistent dates across different bureaus, suggesting further inaccuracies. The failure to notify me and provide the necessary documentation is illegal and violates my rights under 15 U.S.C. 1681 ( Fair Credit Reporting Act ) and 15 U.S.C. 1681s-2 ( a ) ( 1 ), which prohibits the furnishing of inaccurate information to credit reporting agencies. These unlawful actions have caused significant harm, and I demand immediate removal of these fraudulent accounts from my credit report. I am prepared to pursue legal action against both the bureaus and creditors involved for their failure to comply with federal law and protect my consumer rights. Thank you for your prompt attention to this matter. THESE ARE THE ACCOUNTS : XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiries : 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

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 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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 2024-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
On XX/XX/year>, I redeemed XXXX fun points on XXXX account for a {$100.00} XXXX I received the card but it is invalid and will not activate. I have made many attempts to activate it including calling the number on the card and going to the website. I was unable to use the card when I wanted to because of all these issues. In addition I spoke with a XXXX representative who did not help me activate the card. I opened a case XXXX with my creditcard company XXXX who redeemed my points and issued this card. Then on XX/XX/XXXX, they closed the case after 7 days without doing anything to solve or notifying me in the message system or email. There were numerous false statements made that I can prove are false regarding that case. I reopened another case XXXX on XX/XX/XXXX and gave them ALL the information they asked for. On XX/XX/XXXX I asked again for status on XXXX and I was met with a response asking AGAIN for information that was already sent and is clearly visible on the same message thread. I insisted they they either make the sent to me card good or refund my points. To date as of XX/XX/XXXX this is unresolved. I went to public site where to look up BarclaycardUS complaints there and there are many various complaints. after reading many of the complaints It looks to me that their systems and policies are designed to cheat people out of their rewards and then make it very difficult for them to do any remediation. There needs to be anti fraud enforcement for this kind of thing and I would like to volunteer my time going forward to assist in any actions taken. i will also be posting a complaint on the FTC site tomorrow and mainstream media outlets the next day.

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 2024-11-25 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:
Recently I did an investigation on my credit report and found several items on to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the 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 the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) 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. 

Please remove the following items from my credit report, immediately : XXXX Names XXXX XXXX XXXXXXXX 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 XXXXXXXX Accounts XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Balance {$0.00} XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Balance {$0.00} XXXX XXXX Account number XXXX Date opened XXXX XXXX, XXXX XXXX Closed XXXX {$0.00} XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Balance {$0.00} XXXX XXXX Account number XXXX Date opened XXXX XXXX, XXXX Open/closed Closed Balance {$0.00} XXXX Account XXXX XXXX XXXX opened XX/XX/XXXX Open/closed Closed Balance {$0.00} XXXX  Account number XXXX XX/XX/XXXX Open/closed Closed Balance {$0.00} XXXX XXXX Account number XXXX XX/XX/XXXX Open/closed Closed Balance {$0.00} XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Balance {$0.00} XXXX XXXX Account number XXXX Date opened XXXX XXXX, XXXX Open/closed Closed Balance {$0.00}

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 explanation
Consumer complaint received 2024-11-25 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I am writing to dispute a debt that has been reported on my credit report. According to 15 U.S.C. 1692g ( Validation of Debts ) of the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to receive a validation of the debt. I have no recollection of this debt and was not provided an opportunity to dispute it as required by law. If the creditor or collection agency believes they have given me proper notification of this debt, I request that they provide proof of this notification. Specifically, I am asking for the certified mail receipt with my signature that verifies I received such notification. Without this documentation, the debt should be considered unverified and should be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00}

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 explanation
Consumer complaint received 2024-11-25 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: MI

Complaint narrative:
Equifax is reporting me as an authorized user on an XXXX XXXX that is not mine. I have submitted my police report. I am a victim of identity theft.

Company response to consumer: Closed with explanation