vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-03 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: OR

Complaint narrative:
Experian Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute and Demand for Debt Validation and Removal of Inaccurate Accounts Dear Experian Dispute Department, I am writing to formally dispute the following accounts listed on my credit report. Under the Uniform Commercial Code ( UCC ) 3-401, I request that Experian provide verifiable proof of each alleged debt by supplying an original contract bearing my wet-ink signature. If such documentation is not available, Experian must remove the inaccurate information immediately. 

The accounts in dispute are as follows : XXXX Account Number ending in XXXX Balance : {$1800.00} Status : Charged off XXXX XXXX XXXX Account Number ending in XXXX Balance : {$2300.00} Status : XXXX XXXX XXXX XXXX XXXX Account XXXX ending in XXXX Balance : {$300.00} Status : Collection XXXX XXXX Account Number ending in XXXX Balance : {$710.00} Status : Collection XXXX XXXX Account Number ending in XXXX XXXX : {$1800.00} Status : Collection Additionally, under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), furnishers of information are prohibited from reporting unverified or inaccurate information. As Experian has not provided proof of these debts, I am requesting the immediate removal of these items from my report. Failure to comply will result in a claim for {$1000.00} per violation in damages, as outlined in the FCRA and UCC. 

Please provide written confirmation of the removal of these debts within XXXX hours or an explanation of the basis on which these debts are verified without original signatures. 

Thank you for your immediate attention to this matter. 

Sincerely, 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 2024-11-03 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCB Management Services Inc.
State: VA

Complaint narrative:
I go to check my credit report and see that a debt that I have no knowledge of, is on my credit report. So, I make a phone call and call the company and requested that they mail me proof that the debt belonged to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-03 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: Affirm Holdings, Inc
State: NJ

Complaint narrative:
Under section 15 u.s.c. 1692c the law clearly states Of a consumer notifies a debt collector that the consumer refuses to pay a debt the collector must cease all communications. Which includes credit reports because thats a form of communication

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 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: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I am writing to file a formal complaint against AMEX for unlawfully accessing my credit report in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 
XXXX ( f ). On XX/XX/year>, AMEX performed a credit inquiry without my authorization or any permissible purpose as defined by the FCRA. 
Under 15 U.S.C. 1681b, companies are required to have a permissible purpose-such as a credit transaction initiated by the consumer, a court order, or a business transaction that requires access to my credit informationto lawfully pull my credit report. 
I have no such relationship or outstanding debt with AMEX that would justify this inquiry. 
This unauthorized credit pull has negatively affected my credit score and caused undue stress.

As such, I am seeking the following : 1. Statutory Damages : Pursuant to 15 U.S.C. 1681n ( a ), I am requesting statutory damages in the amount of {$1000.00} for willful noncompliance with the FCRA. 
XXXX. Actual Damages : I have suffered harm, including emotional distress and potential damage to my credit standing, due to this unlawful inquiry. I reserve the right to seek actual damages in addition to statutory damages. 
Please investigate this violation of my consumer rights and take action against AMEX to prevent future illegal activities. 
I also request that the unauthorized inquiry be removed from my credit report immediately. 
Thank you for your attention to this matter, and I look forward to your timely response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Advanced Collection Bureau, Inc.
State: FL

Complaint narrative:
I have disputed this debt for many years, it is not my debt. I have paid all other medical debts to this medical provider for all previous treatments. I do not know or recall when this was to occur or if it is even mine. I can't find or locate any proof, nor can anyone provide anything to prove it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
Name : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, Kentucky XXXX Date of Birth : XXXX Last 4 of SSN : XXXX XXXX Dispute of Unauthorized Credit Inquiries. 

To Whom It May Concern, I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. Enclosed is a copy of my identification to verify my identity. I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

The inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith..

Here I attach, along with the dispute, my fraud report that I just sent to transunion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity. 

Best regards, 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 2024-11-03 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Estimated Month of Deletion on XXXX Account Dear TransUnion LLC, I hope this message finds you well. I am writing to formally dispute the inaccuracy of the estimated month of deletion listed on my credit report, as provided by TransUnion. The reference number for my credit report is XXXX. 

Upon reviewing my credit report dated XX/XX/XXXX, I noticed that one of the accounts, listed as XXXX XXXX XXXX XXXX has an estimated month of deletion that does not align with my records. The account number in question is # XXXX. According to my records, this account should be deleted from my credit report in XX/XX/XXXX, rather than the current estimated month of deletion of XXXX 

I have attached supporting documentation, which clearly indicates the timeline for this account 's deletion. 

I kindly request that TransUnion investigate this matter and update my credit report to accurately reflect the month of deletion for this account. An inaccuracy on my credit report can significantly affect my credit score and my ability to secure loans or credit in the future. 

Please acknowledge receipt of this letter and provide me with updates regarding the progress of my dispute. Thank you for your attention to this matter. I look forward to your prompt reply. 

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 2024-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
Name : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, Kentucky XXXX Date of Birth : XXXX Last 4 of SSN : XXXX XXXX Dispute of Unauthorized Credit Inquiries.

To Whom It May Concern, I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). After reviewing my recent credit report, I have identified the follow
ing inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX. XXXX XX/XX/year> XXXX. XXXX XXXX XX/XX/year> XXXX. XXXX XXXX XX/XX/year> XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. Enclosed is a copy of my identification to verify my identity. I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

The inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith..

Here I attach, along with the dispute, my fraud report that I just sent to transunion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity. 

Best regards, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-03 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: American Credit Acceptance, LLC
State: VA

Complaint narrative:
On XX/XX/year>, I had 7 different companies on the same day that pulled my credit report without my knowledge and consent. These are the following companies. 

American Credit Acceptance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TrueAccord Corp.
State: TX

Complaint narrative:
I was scheduled to receive a cosmetic procedure in XXXX of XXXX by XXXX XXXX XXXXXXXX. I was FALSELY medically cleared for the procedure in XXXX XXXX XXXX. After XXXX XXXX came back showing that not only was I XXXX  AT THE TIME of booking, but the doctor also revoked my XXXX clearance due to a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The company refused to refund me although this was within their refund policy. The refund policy states that if I became pregnant AFTER booking, I was ineligible for a refund but I was XXXX  at the time of booking. They attempted to force me to take a credit to receive the XXXX after XXXX 

Nevertheless, in the XXXX 's note revoking my clearance for the procedure he clearly states that I am not a candidate for XXXX XXXX regardless as my XXXX history states it will be unsafe. 

The original creditor ( XXXX ) sold the debt to TrueAccord and they unknowingly purchased a false debt. I NEVER RECEIVED THE PROCEDURE NOR WAS IT EVEN MEDICALLY POSSIBLY FOR ME TO DO SO. This is an extortion of money and a disgusting display of unethical practices. I supplied ALL documentation to both XXXX XXXX XXXXXXXX and Affirm in timely fashions. 

I demand they remove this from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
I started XXXX XXXXXXXX XXXX XXXX  I wrote the school a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The school has received a {$5000.00} XXXX XXXX XXXX XXXX in my name the loans totaling XXXX. The day XXXX XXXX XXXX  was XX/XX/XXXX. I dXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I could not understand them. On XX/XX/XXXXXXXX  I called financial aid and they informed me that I had 120 days to XXXX XXXX XXXX XXXX XXXX XXXX XXXXt. I spoke with XXXX XXXX, who told me they calculated my hours and took the loan. They took the loan and the XXXX which was too much to be taking for 3 months of being at the school. XXXX XXXX was supposed to send the loan back to financial aid XXXX XXXX XXXX XXXX  instead they kept the money leaving me with a XXXX. I am not responsible for the loan because I let the school knoXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt. The XXXX XXXX at that time was XXXX. The last email I received from the school was XXXX about financial aid. The XXXXl is trying to find away to keep the money which is fraud instead of sending it back

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
opened account with promise of bonus interest. When I called to check on when it would be awarded they said didn't meet terms of XXXX direct deposits within XXXX XXXX, which I took to be XXXX XXXX ... they said it was XXXX XXXX - had me screen shot my social security page with my name and the date of the change and I also forwarded the email sent from social security with the same date I opened the account. Now they say it doesn't show what account I changed it to so not qualified..So basically social security doesn't count unless XXXX screen shots the original request.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Atlantic Recovery Solutions LLC
State: CA

Complaint narrative:
Dear Atlantic Recovery Solutions LLC, I am writing to formally address the numerous phone calls and text messages I have received from your company regarding an alleged debt to XXXX XXXX XXXX. I want to bring to your attention that these communications are not only unwarranted but also threaten legal action, which is illegal under California law. 

I am demanding that you immediately cease and desist all communication regarding this matter. The debt in question has been disputed with XXXX XXXX XXXX due to services that were promised but not delivered. As a result, I consider your attempts to collect this alleged debt to be both misleading and unethical. 

Furthermore, I have come across numerous complaints from other individuals regarding similar practices employed by your company. This pattern of behavior raises serious concerns about the ethical standards you uphold in your debt collection practices. 

If communication does not cease immediately, I will not hesitate to seek legal remedies available under the Fair Debt Collection Practices Act ( FDCPA ). 

Please acknowledge this request and ensure that all future communications regarding this matter are halted. I expect a prompt response confirming that my demand has been received and acted upon. 

Thank you for your attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/year> Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX, MN XXXX Subject : Dispute of Collection Account Request for Validation Dear Jefferson Capital Systems , LLC I hope this letter finds you well. I am writing to formally dispute the validity of the collection account referenced below as per my rights under the Fair Debt Collection Practices Act ( FDCPA ) and specifically under 15 U.S.C. 1692g ( often referred to as " validation of debts '' ). My full name is XXXX XXXX XXXX, and my account number is XXXX. XXXX Reference Number is XXXX. 

According to my recent credit report, there is an entry for a collection account with the following details : - Creditor Name : XXXX Credit Card - Account Number : XXXX - Amount Due : None provided. 

I am requesting that you provide validation of this debt, including the following information : 1. Proof that I am legally obligated to pay this debt.

2. The name and address of the original creditor.

3. A detailed account statement that outlines the amount claimed, including any charges, interest, or fees.

4. Validation documentation that verifies the debt has not violated any statutes of limitations.

5. Any documentation that substantiates your authority to collect this debt on behalf of the original creditor. 

Please note that until I receive this requested validation, I do not intend to make any payments or acknowledge this debt in any manner. Additionally, under 1692g ( b ) of the FDCPA, I request that all collection activities cease until the requested validation is provided. 

I appreciate your prompt attention to this matter and request a response within 30 days from the date of this letter. 

Thank you for your cooperation. 

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

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation