vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-27 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: LA

Complaint narrative:
Agent from FCO initially called and I explained to her that I was unaware of debt owed bc I paid out my acct at moveout with a {$0.00} balance. The other party who had her own online acct was allowed to make arrangements w the property manager bc of covid ( {$1200.00} ). I was not contacted for 2 yrs by company of any balance owed on the acct. The agent repeated called and harassed me about the amt and said that she could not reach the other party. I gave her the contact information of the other party and reached out to her FOR the agent and she did return her call and made arrangements for debt owed and the agent said that I was no longer responsible and I did no longer needed to worry about the dispute that was supposedly submitted. On XX/XX/XXXX the harassment started again bc the payments defaulted ( {$610.00} ). I told her that I was not paying bc of what she told me prior and and she should contact the other party for NSF charges and payments and she continued to threaten my credit bc it was so good I didnt want to mess it up, etc, I received calls at all times at work from different numbers that started with my area code ( 504 ), unknown, and XXXX XXXX XXXX XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX ), XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XX/XX/XXXX XXXX ) not including unknown. She continued to call and I told her not to call me anymore that I would get my attny involved. My daughter is also listed on the acct, is XXXX old, and she not once spoke to her nor did she ask my permission to negotiate for her or make decisions for her the entire time and she reported her to the XXXX XXXX as well without even attempting to collect her debt as you can listen to all of the calls for proof of that as well.

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 2023-12-27 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:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022

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 2023-12-27 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:
Social Security card and birth certificate was stolen from my car and I was scammed with theses unauthorized accounts.

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 2023-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
I have charge offs and late fees from Barclays Bank Delaware. The dates the card was open was XX/XX/2019. I never received a bill or anything from this company. I had no idea I have a balance of {$490.00}. I have reached out to them three times and I never heard anything back from them why I never got a bill or anything from the company since 2019. I never got a email or bill from them saying the account was closed either. I want the charge off and late fees off of my account since I have no idea about this and not my fault

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 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My Information was exposed in a data breach with Equifax. I tried to dispute items through websites without success as well as doing the credit freeze on my report I spent time calling, mailing letters, and doing extensive research to get these items removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to dispute and request the immediate removal of fraudulent accounts on my credit report. The accounts in question are as follows : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. I want to bring to your attention that the respective bank/creditor, upon being made aware of this issue, has agreed to remove these accounts from their records. The other credit bureaus, Experian and XXXX, have promptly followed suit, acknowledging the error and removing the entries. I am deeply confused and annoyed as to why your bureau has not taken similar action despite being aware of the fraudulent nature of these accounts. As a victim of identity theft, I demand that you comply with the law and follow the standard procedures established by other credit bureaus. It is both frustrating and infuriating that my repeated requests seem to be ignored. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ).

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 2023-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to dispute and request the immediate removal of fraudulent accounts on my credit report. The accounts in question are as follows : XXXX XXXX XXXX. I want to bring to your attention that the respective bank/creditor, upon being made aware of this issue, has agreed to remove these accounts from their records. The other credit bureaus, XXXX and Equifax, have promptly followed suit, acknowledging the error and removing the entries. I am deeply confused and annoyed as to why your bureau has not taken similar action despite being aware of the fraudulent nature of these accounts. As a victim of identity theft, I demand that you comply with the law and follow the standard procedures established by other credit bureaus. It is both frustrating and infuriating that my repeated requests seem to be ignored. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to dispute and request the immediate removal of the late dates of certain entries on my credit report, specifically accounts related to XXXX XXXX and XXXX. I submitted a request for information regarding these alleged debts. Regrettably, as of today, I have not received any correspondence from them in response to my request. It is critical to note that these companies have failed to provide sufficient information to verify the debts in question, even after being given ample time. The lack of communication or response from them is both concerning and a violation of standard credit reporting practices. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX.

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 2023-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to dispute and request the immediate removal of the late dates of certain entries on my credit report, specifically accounts related to XXXX XXXX and XXXX. I submitted a request for information regarding these alleged debts. Regrettably, as of today, I have not received any correspondence from them in response to my request. It is critical to note that these companies have failed to provide sufficient information to verify the debts in question, even after being given ample time. The lack of communication or response from them is both concerning and a violation of standard credit reporting practices. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to dispute and request the immediate removal of the late dates of certain entries on my credit report, specifically accounts related to XXXX XXXX and XXXX. I submitted a request for information regarding these alleged debts. Regrettably, as of today, I have not received any correspondence from them in response to my request. It is critical to note that these companies have failed to provide sufficient information to verify the debts in question, even after being given ample time. The lack of communication or response from them is both concerning and a violation of standard credit reporting practices. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX.

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 2023-12-27 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I am writing to dispute and request the immediate removal of the late dates of certain entries on my credit report, specifically accounts related to NATIONSTAR. I submitted a request for information regarding these alleged debts. Regrettably, as of today, I have not received any correspondence from them in response to my request. It is critical to note that these companies have failed to provide sufficient information to verify the debts in question, even after being given ample time. The lack of communication or response from them is both concerning and a violation of standard credit reporting practices. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). Nationstar  XXXX XXXX XXXX.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to remove these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and removed :

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 2023-12-27 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: FL

Complaint narrative:
I was a victim of the Equifax data breach. I want these items deleted from my credit report. As you can see the CFPB actually deleted them. Because I was a victim of this data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
To whom it may concern, I have received the email in XX/XX/XXXX attached with promo offer from Citi bank in my email and on my Citi bank app from the XXXX  I opened in XXXX and opened the checking account in XX/XX/XXXX. The requirements to get XXXX were met after I called the bank prior processing deposits to confirm. The agent has confirmed this is what I was suppose to do to deposit over {$1000.00} and spend them within 60 days. In XXXX when I called inquiring about the mileage the first inquiry was sent to the department handling promo offers I have received similar letter attached stating I was not eligible and should submit proof of my offer sent to me. 
Since then I lost count how many times I have called and all the agents are located in XXXX, some stated they have never heard of this offer before. XXXX person on the phone from cc side gave me an email I emailed my offer to but never heard back. ( Attached ) then I called debit side and they told me I could either mail offer or fax it ( attached ) but it went nowhere too. On XX/XX/XXXX when I called I was connected to XXXX  account manager and after total of XXXX hours on the phone between city and XXXX XXXX  confirmed the offer didnt come from them. Then I was connected to a supervisor who opened another dispute and I received another rejection notice.

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 2023-12-27 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must remove these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : 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 non-monetary relief
Consumer complaint received 2023-12-27 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: TX

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must remove these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 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: CA

Complaint narrative:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2023 but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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 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

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 2023-12-27 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: SC

Complaint narrative:
I am writing to address serious concerns regarding the accuracy of information on my credit reports, which I believe to violate my federally protected consumer rights under 15 USC 1681, as stipulated by the Fair Credit Reporting Act ( FCRA ). 

I have previously communicated to XXXX, TransUnion, and XXXX, requesting a reinvestigation into the following accounts : XXXX. Account name : XXXX XXXXXXXX XXXX XXXX. Account name : XXXX XXXX XXXX  XXXX. Account name : XXXXXXXX XXXX XXXX  XXXX. Account name : XXXX XXXX XXXX XXXX XXXX. Account name : XXXX XXXX XXXX XXXX. Account name : XXXX XXXX XXXX XXXX XXXX. Account name : XXXX Regrettably, their responses assert that all information is complete and accurate. However, this assertion contradicts the discrepancies I have identified, specifically concerning the open date, date of last activity, and various other critical details. Per 15 USC 1681i ( 5 ), it is my understanding that these agencies are obligated to modify accounts that are inaccurately reported.

As outlined in 15 U.S.C. 1681s-2 ( A ) ( 1 ), a person is prohibited from furnishing any information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. Given the disparities I have identified, it is evident that inaccurate information has been provided to these agencies.

I urge you to conduct a thorough review of my dispute and take prompt corrective action to rectify the inaccuracies in accordance with the FCRA. Failure to address this matter appropriately may compel me to pursue legal remedies available under the FCRA to safeguard my federally protected consumer rights to privacy and confidentiality.

Your immediate attention to this matter is appreciated, and I anticipate a resolution within the legally mandated time frame.

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 2023-12-27 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: SC

Complaint narrative:
I am writing to address serious concerns regarding the accuracy of information on my credit reports, which I believe to violate my federally protected consumer rights under 15 USC 1681, as stipulated by the Fair Credit Reporting Act ( FCRA ). 

I have previously communicated to Experian, XXXX, and XXXX, requesting a reinvestigation into the following accounts : XXXX. Account name : XXXX XXXX XXXX  XXXX. Account name : XXXX XXXX XXXX  XXXX. Account name : XXXX DEPARTMENT STORE XXXX. Account name : XXXX XXXX XXXX XXXX XXXX. Account name : XXXX XXXX XXXX XXXX. Account name : XXXX XXXX XXXX XXXX XXXX. Account name : XXXX Regrettably, their responses assert that all information is complete and accurate. However, this assertion contradicts the discrepancies I have identified, specifically concerning the open date, date of last activity, and various other critical details. Per 15 USC 1681i ( 5 ), it is my understanding that these agencies are obligated to modify accounts that are inaccurately reported.

As outlined in 15 U.S.C. 1681s-2 ( A ) ( 1 ), a person is prohibited from furnishing any information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. Given the disparities I have identified, it is evident that inaccurate information has been provided to these agencies.

I urge you to conduct a thorough review of my dispute and take prompt corrective action to rectify the inaccuracies in accordance with the FCRA. Failure to address this matter appropriately may compel me to pursue legal remedies available under the FCRA to safeguard my federally protected consumer rights to privacy and confidentiality.

Your immediate attention to this matter is appreciated, and I anticipate a resolution within the legally mandated time frame.

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