vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: MN

Complaint narrative:
I sent certified mail to credit collections management at XXXX XXXX XXXX in XXXX, MA. I requested that they sent me a copy of the original purchase agreement, the account ledger, the amount, owed and how much they paid to get this account. The letter was mailed to them certified mail XX/XX/year>, and they have never replied. It is for counts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The letters were sent with the hitting debt validation letter

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to request a reinvestigation of the information contained in my credit report, in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. Upon reviewing my credit report, I identified an account that may be inaccurately reported. 

Below are the account details I am requesting to be reinvestigated : Account Name : XXXX Account Number : XXXX I kindly request that you thoroughly reinvestigate the completeness and accuracy of all information associated with this account. If any inaccuracies are discovered, I ask that the incorrect information be removed from my credit report. In accordance with 15 U.S. Code 1681i, if you are unable to verify the accuracy of the information within 30 days, I respectfully request that the account be deleted from my credit report.

Additionally, under 15 U.S. Code 1681e ( b ), I request that you review your procedures to ensure they guarantee maximum possible accuracy in reporting this account. 

Thank you for your attention to this matter. I look forward to receiving confirmation that this issue has been resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Once I realized that the person I had sent money to via XXXX was impersonating my known associate, I immediately contacted my bank, Navy Federal Credit Union on Friday XX/XX/XXXX. I asked my bank to open an investigation so I can show proof that the person that I thought was my friend was being impersonated by a scammer. In addition, they then proceeded to fraudulently represent XXXX. Navy Federal Credit Union then claimed I had to address this with XXXX and that they would open a claim. I then called again on XX/XX/XXXX and asked once again to submit all proof of imposter fraud for investigation to have money refunded or issue a charge back. They said they wouldnt accept additional information and a case was opened and there was nothing more than I can do. I then stated that I was protected by a new ruling with XXXX transactions processed through a banking institution concerning imposter fraud and would like to then proceed with submitting the information showing this was such a case. I once again requested the case be investigated, once again they refused to take further information showing proof of such a case. I was not allowed to submit anything and they stated there was nothing more they could do. I asked for a case number or confirmation showing the case progression and the banking representative stated there was no information that she could provide me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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

Account Name : XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the 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 non-monetary relief
Consumer complaint received 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

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

Account Name : XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the 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 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-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 accounts to be blocked and deleted company information TransUnion. Please delete the following accounts : XXXX XXXX XXXX {$7400.00}.

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 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to formally request the removal of the following unauthorized inquiry from my credit report. I am a victim of identity theft resulting from a data breach. This inquiry was made without my knowledge or authorization. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent or unauthorized inquiries blocked and removed from my credit report. 
Unauthorized XXXX XXXX - Date : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to formally request the removal of the following unauthorized inquiry from my credit report. I am a victim of identity theft resulting from a data breach. This inquiry was made without my knowledge or authorization. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent or unauthorized inquiries blocked and removed from my credit report. 
Unauthorized Inquiry XXXX - Date : 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 2024-11-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: NC

Complaint narrative:
Conns furniture continues to contact me multiple times a day about an alleged debt. I've stressed to them that i do not want to be contacted. as well as most times in which they've chosen/choose to contact me are inconvenient times being that most times I am at work and this could possibly get me fired or throw of my focus at work. These calls are overly frequent and they often threatening to damage my credit and possibly destroy my livelihood. I am extremely stressed out about these collective of calls. Conn 's has constantly harassed and made me feel uncomfortable with there calls texts emails Etc. I've read them laws to them that protect my rights in which they are constantly and intentional violating ive also on several occasions expressed to them not to contact me about this alleged debt, they contiunue to violate my rights and the laws put in place to protect me as a consumer. this has also taken affect on the mental state of my family because they see and hear the frequent calls and constant harassment and understand the strenuous pain it is causing me mentally.I can not focus and be proactive throughout the regular business day at work neither the times that i have off in fear of how many times theyve chosen to call or contact me i feel uneasy and bullied. ive contacted the company and pleaded with them about this abuse, and they continue on a journey of destroying my mental state.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 non-monetary relief
Consumer complaint received 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: DISCOVER BANK
State: CA

Complaint narrative:
Four unauthorized transactions were made XXXX total XXXX I received a text from discover bank stating were declined and for me to respond if I recognize such transactions y reply No! And call them back as instructed by them talk to discover rep and she told me I have nothing to worry about it those transactions were fraud and they will credit my account and proceed with investigation waited a few days and contact discover bank because no money is been credited I was told by rep they were valid transactions no credit issue I talk to a supervisor XXXX and she told me to forward initial text accepting or rejecting transactions. Also obtain XXXX police report # XXXX forward to them. discover bank is failing to protect customers assets

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have been going back and forth with Transunion about my credit reporting. I asked for information showing I was 30 days late in XXXX. Moving has been sent to me. I also contacted XXXX XXXX and they stated they give the bureaus the information every XXXX f the month and my payments are due every XXXX of the month and as of now I am current with only XXXX payment being due with the company. All other payments have been made. I contacted the credit bureau already about the information being inaccurate and they still updated it to 30 days late. This is tremendously frustrating and hurting my score. I am asking for this misinformation be updated 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 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to formally request the blocking and deletion of the following unauthorized collection account and inquiries from my credit report. These entries are fraudulent and resulted from identity theft. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that you take immediate action to remove these items.

Unauthorized Collection 1. UNAUTHORIZED COLLECTION - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$98.00} Unauthorized Inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I have listed those items in my Identity Theft Report as well as highlighting those items on the credit report which is attached. Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address ( listed below ) : Full Name : XXXX XXXX Full Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Attached in the upload are the following : - A copy of my credit report I received from your company. The fraudulent items are highlighted. 
- A copy of my Identity Theft Report and proof of my identity. 
- A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

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 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to request a reinvestigation of the information contained in my credit report, in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. Upon reviewing my credit report, I identified an account that may be inaccurately reported. 

Below are the account details I am requesting to be reinvestigated : Account Name : XXXX Account Number : XXXX I kindly request that you thoroughly reinvestigate the completeness and accuracy of all information associated with this account. If any inaccuracies are discovered, I ask that the incorrect information be removed from my credit report. In accordance with 15 U.S. Code 1681i, if you are unable to verify the accuracy of the information within 30 days, I respectfully request that the account be deleted from my credit report.

Additionally, under 15 U.S. Code 1681e ( b ), I request that you review your procedures to ensure they guarantee maximum possible accuracy in reporting this account. 

Thank you for your attention to this matter. I look forward to receiving confirmation that this issue has been resolved.

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 2024-11-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I received a debt collection letter from you. Do you have the right person? Please supply me with a contract or agreement signed with your company or the Creditor. PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. PERMISSIBLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owning this debt. Thank you for your immediate cooperation

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 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

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

Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief