vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I am not liable for this debt with XXXXXXXX XXXX nor I do not have a contract with I.C. System to pay for any debt they claim I owe. 
Previously, another debt collector named XXXX XXXX XXXX harassed me by sending me multiple emails trying to tell me that I possess a debt that I know I don't own or associate with. On XX/XX/2024, I filed a complaint with the XXXX XXXX XXXX and a dispute with XXXX saying the same things I'm saying to you, " that I don't have any debts connected to XXXX XXXX or any they mention. '' Fortunately, I was able to win my case and the collection was removed from my credit report and my credit score increased significantly right after. However, through some means Im not aware of, I.C. System is now trying to collect on the same debt I didnt owe in the first place and was able to fight to have it removed. Im here for this reason.

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 2024-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XX/XX/year> I was at work around XXXXXXXX XXXX  and k received a message from Wellsfargo sending me a receipt of a ATM withdrawal of a bank that I never go because I dont usually take money form atms, the receipt was for {$150.00}, as I said at was working at the moment ( attached my clock in and out from my job ) so I checked my account and they did XXXX transaccin XXXX for {$150.00} and another one for {$800.00}, I called the bank and open a fraud report, change and block my cards, pins and username from my mobile bank, the same day went to the Police and open a police fraud report which I have the nmero of the report, yesterday XX/XX/XXXX I called the bank again to know the status of my claim and they said it was already declined, they declaiming a claim that they not even doing a proper, they saying that the card was used to take the money ( I had the physical card with me that day when everything happened ) nobody elses ideas my card but me, so they already decided to decline not even checking the cameras of the ATM that is part of their branch. I went to the bank today XX/XX/XXXX and they called the fraud department explained everything again and told me that they not even giving me the opportunity to open another claim which it was weird even for the banker that was helping today because they had a final decision not even mentioning that they checked the cameras when he asked, so they didnt check them and so that was their final decision based on nothing because they haven done a proper investigation, the banker even mentioned me if could be a good idea

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 2024-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

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 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I was stunned to see that inaccurate accounts suddenly appeared on my credit report tonight, and I can't figure out why. I regularly check my report, but this time there were unexpected discrepancies. I even refreshed my browser, thinking it might be a glitch, but the errors didnt go away. Given this, Im requesting a thorough review of the documents Ive submitted so I can finally feel at ease about my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of unauthorized accounts listed below, which were fraudulently opened under my name due to a recent data breach. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2 ( a ), I am entitled to have fraudulent information removed from my credit report. 
Unauthorized Accounts XXXX. XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$10000.00} XXXX. XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$7900.00} XXXX. XXXX BANK - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$13000.00} XXXX. XXXX XXXX  - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$77000.00} XXXX. XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$22000.00} XXXX XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$19000.00} XXXX. XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$7800.00} XXXX. XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$51000.00} XXXXXXXX XXXX XXXX XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$14000.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$19000.00} XXXX. XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$19000.00} XXXX. XXXX XXXXXXXX XXXX XXXXXXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$9100.00} XXXX. XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$26000.00} XXXX. XXXX XXXXXXXX XXXX  XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$12000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: VA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account on my credit report which I have NO knowledge of nor did I sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. This collection found on my credit report IS NOT related to any transaction that I made. I am alleging that a person or company WITHOUT my permission or authorization used my personal info to apply for services or money and was successful in creating some accounts. All is currently being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, TX XXXX Consumer Relations XXXX XXXX XXXX XXXX XXXX, GA XXXX TransUnion XXXXXXXX XXXX XXXX XXXXXXXX, PA XXXX Dear Consumer Relations Teams, I am writing to highlight the importance of the Fair Credit Reporting Act ( FCRA ) provisions regarding the accuracy and completeness of consumer information reported by your agencies.

As you are aware, Section 611 of the FCRA empowers consumers to dispute inaccuracies in their credit reports. This section is crucial for maintaining transparency and ensuring that the information provided by credit reporting agencies is as accurate as possible.

To emphasize the significance of accurate reporting, I would like to bring to your attention the following account caps that must be correctly reflected in consumer credit reports : Accounts : XXXXXXXX XXXX XXXX XXXX : {$49000.00} XXXX  : {$1400.00} XXXX XXXX : {$420.00} XXXX XXXX : {$1400.00} XXXX XXXX  XXXX {$940.00} XXXX XXXX XXXX XXXX XXXX {$3600.00} XXXX XXXX XXXX {$880.00} XXXX XXXX XXXX XXXX {$530.00} The accuracy of this information is essential, as it can significantly impact consumers ' creditworthiness and their ability to secure loans, housing, and employment opportunities. Therefore, it is imperative that your agencies prioritize compliance with the FCRAs requirements and ensure that the information reported is accurate and complete. 

I appreciate your attention to this important matter and look forward to your commitment to upholding the integrity of consumer reporting. 

Sincerely, 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 2024-11-07 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: PA

Complaint narrative:
Experian XXXX XXXX XXXX XXXX, TX XXXX Consumer Relations XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX Dear Consumer Relations Teams, I am writing to highlight the importance of the Fair Credit Reporting Act ( FCRA ) provisions regarding the accuracy and completeness of consumer information reported by your agencies. 

As you are aware, Section 611 of the FCRA empowers consumers to dispute inaccuracies in their credit reports. This section is crucial for maintaining transparency and ensuring that the information provided by credit reporting agencies is as accurate as possible.

To emphasize the significance of accurate reporting, I would like to bring to your attention the following account caps that must be correctly reflected in consumer credit reports : Accounts : XXXX XXXX XXXX XXXX : {$49000.00} XXXX : {$1400.00} XXXX XXXX : {$420.00} XXXX XXXXXXXX : {$1400.00} XXXX XXXX XXXX {$940.00} XXXX XXXX XXXX XXXX XXXX {$3600.00} XXXX XXXX XXXX {$880.00} XXXX XXXX XXXX XXXX {$530.00} The accuracy of this information is essential, as it can significantly impact consumers ' creditworthiness and their ability to secure loans, housing, and employment opportunities. Therefore, it is imperative that your agencies prioritize compliance with the FCRAs requirements and ensure that the information reported is accurate and complete. 

I appreciate your attention to this important matter and look forward to your commitment to upholding the integrity of consumer reporting. 

Sincerely, 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 2024-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 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 account with was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2024-11-07 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: WI

Complaint narrative:
I urgently seek an account update as my payments have consistently been made on time. The current circumstances are causing me undue stress and worry.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as
late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-11-07 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: GA

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

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 2024-11-07 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:
XX/XX/year> 3rd attempt VALIDATION AND CEASE AND DESIST Collection agency name :XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX, MN XXXX Account number : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX Ca XXXX Dear : XXXX XXXX, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing 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 provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter. 

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 2024-11-07 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 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:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXXXXXX 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 2024-11-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: SC

Complaint narrative:
Purchased a XXXX from us auto sales in XXXX XXXX then all dealerships completely closed I was advised by dealership I could refinance the vehicle after a year but locations were all shut down. I am paying over XXXX a month for a used XXXX XXXX XXXX and still theyre saying I over XXXX I see they have a lawsuit being so many are going through the same thing. I no longer want the car I just want I am having issues with the vehicle that is also costly..I asked westlake portfolio management if I could pay it off with no interest they said its only taking a XXXX off of the balance with no interest which I am totally confused on that but at this point I just want the car off my credit and to be done with it

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 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Under 15 U.S Code 1618B Permissible purpose of consumer reports ( a ) IN GENEREAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relate. 

I, XXXX XXXX never gave Equifax any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law is attached with this dispute letter. 

Concerning the account listed below as a consumer, I am demanding a deletion of these account listed below : 1. XXXX Date of inquiry : XX/XX/year>

Company response to consumer: Closed with explanation