vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-07 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: CBC Companies, Inc.
State: MN

Complaint narrative:
The following accounts currently listed on my Innovis consumer report Case ID : XXXX is fraudulent, not my accounts and is the result of identity theft : XXXX XXXX XXXX Account : XXXX and XXXX XXXX, Account : XXXX, the Requests Only You Can See isnt my inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally request a prompt and thorough investigation into all negative and derogatory items currently listed on my credit report. As a consumer, I am entitled under the Fair Credit Reporting Act to ensure the accuracy, fairness, and substantiation of any negative reporting on my credit file. 

I demand that each negative account be validated with the following documentation within 14 days :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 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: NE

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally request a prompt and thorough investigation into all negative and derogatory items currently listed on my credit report. As a consumer, I am entitled under the Fair Credit Reporting Act to ensure the accuracy, fairness, and substantiation of any negative reporting on my credit file. 

I demand that each negative account be validated with the following documentation within 14 days :

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 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

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 2024-10-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : Collections/Chargeoffs Please be advised that as of XX/XX/year> as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : XXXX XXXX Account # : XXXX. Account # : XXXX Balance : XXXX Balance : XXXX XXXX XXXX Account # : XXXX Account # : XXXX Balance : XXXX Balance : XXXX XXXX  Account # : XXXX XXXX XXXX XXXX  Balance : XXXX Account # : XXXXXXXX XXXX Balance : XXXX Account # : XXXXXXXX XXXX XXXX XXXX  Balance : XXXX Account # : XXXX Balance : XXXXXXXX XXXX  Account # : XXXX Balance : XXXXXXXX XXXX Account # : XXXX XXXX : XXXX XXXX  Account # : XXXX Balance : XXXXXXXX XXXX  Account # : XXXX Balance : XXXX I want to be explicitly clear with my request. I am not requesting VERIFICATION of debt ; but instead, I am requesting validation of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. 

Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the above-mentioned accounts. If you are unable to provide me with said requirements within the generously allotted time period of 30 days, by federal law you are required to remove the accounts from my consumer report without prejudice. Also, according to FCRA laws while investigating this matter you must remove above mentioned account from my credit report while under investigation. 
Warm Regards, XXXX, XXXX Without prejudice, all natural inalienable rights reserved.

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 2024-10-07 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : Collections/Chargeoffs Please be advised that as of XX/XX/year> as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : XXXX XXXX Account # : XXXX. Account # : XXXX Balance : XXXX Balance : XXXX XXXX XXXX Account # : XXXX Account # : XXXX Balance : XXXX Balance : XXXX XXXX  Account # : XXXXXXXX XXXX XXXX XXXX Balance : XXXX Account # : XXXXXXXX XXXX. Balance : XXXX Account # : XXXX. XXXX XXXX XXXX Balance : XXXX Account # : XXXX Balance : XXXXXXXX XXXX  Account # : XXXX Balance : XXXXXXXX XXXX Account # : XXXX XXXX : XXXXXXXX XXXX Account # : XXXX Balance : XXXX XXXX  Account # : XXXX Balance : XXXX I want to be explicitly clear with my request. I am not requesting VERIFICATION of debt ; but instead, I am requesting validation of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. 

Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the above-mentioned accounts. If you are unable to provide me with said requirements within the generously allotted time period of 30 days, by federal law you are required to remove the accounts from my consumer report without prejudice. Also, according to FCRA laws while investigating this matter you must remove above mentioned account from my credit report while under investigation. 
Warm Regards, XXXX, XXXX Without prejudice, all natural inalienable rights reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Benjamin Chaise Recovery Services LLC.
State: IL

Complaint narrative:
XXXX XXXX XXXX contacted. Benjamin Chaise Recovery Services and falsely accused me of owing {$6900.00} for my fathers funeral services that occurred on XXXX. 

I was contacted by XXXX XXXX XXXX XXXX XXXX XXXX, an hour before going to proof my dads body, and the day before his service. I was told payment was needed because they had not heard from the insurance company and his policy was not good. And If I did not pay the service would not move forward. So I went to my bank account and got a cashiers check for the full amount owed {$5800.00} with a XXXX balance. 

When we got to the funeral home it was obvious that XXXX Director was angry because she did not think I had this money in my account, and was trying to get more interest money. Also, she was trying to make me buy a coffin when my dad was cremated. Later that night I get a voice call from her assistant that she tore the cashier check. I told her assistant not my problem tape it up. 

Now she is stating I never paid her and the amount owed to her is {$6900.00}, false she was paid in full by me on XXXX!!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 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: MA

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 response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

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 2024-10-07 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: GA

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

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 2024-10-07 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: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

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 2024-10-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the validity of the debt that you claim I owe, referenced by account number XXXX. Your attempts to collect on this alleged debt are not only unwarranted but also unacceptable. 

I request that you provide the following documentation to validate this debt : Proof that I am legally obligated to pay this debt. 
The original creditor 's name and contact information. 
A detailed accounting of the debt, including dates and amounts. 
Any written agreement that shows my responsibility for this debt. 
I am aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and expect your full compliance in providing the requested information. Until I receive the documentation requested, I demand that you cease all collection efforts and refrain from reporting this alleged debt to any credit bureaus. 

Please be advised that failure to respond to this dispute within the legally required timeframe will result in my filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and my states attorney general. I will also consider seeking legal counsel to protect my rights. 

I expect a prompt and thorough response to this matter. Thank you for your immediate attention to this issue.

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 2024-10-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Atlanticus Services Corporation
State: NC

Complaint narrative:
I was contacted by a company on XX/XX/year> stating that I owe {$1600.00} to XXXX XXXX XXXX. The first representative was very rude and threatened to contact my job and take me to court. I hung up and called back to speak with a different representative who apologized. They said they would send me a copy of the agreement and debt validation. On XX/XX/year>, I received a bill from XXXX XXXX, but what she sent isn't accurate. The email will also be attach that shows no explanation was given just the statement I still haven't received a copy of the purchase agreement. I would appreciate assistance in getting this issue resolved. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 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: LA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 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: IL

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 response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 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: CO

Complaint narrative:
I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any accounts listed on an id theft report. Ive already included this report in a previous letters & am included it again. This letter is to notify you if you do not block the listed accounts on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Currently you are in numerous violations of FCRA laws. My attorney is very excited at the possible outcome of this case because theyve already sued you & won tens of thousands in damages. I personally dont want to pursue this method because this matter is such a simple remedy. But do not take my kindness as weakness. The costs will be extreme for you. This is your final warning. Please remove the following items listed on my fraud report & listed belowXXXX 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 2024-10-07 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: NC

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information were erroneous. The XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$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 non-monetary relief
Consumer complaint received 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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