vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-05 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: IN

Complaint narrative:
The credit reporting agency funished debts that are paid and have not been validated or verified and inquiries that have no permissable purpose on my 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 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Skopos Financial, LLC
State: PA

Complaint narrative:
My information was used on data breach under law 15 USC 1681

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 2025-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am submitting this complaint regarding Midland Credit Management XXXX XXXX for engaging in unauthorized debt collection activities within the state of Florida. Specifically, XXXX is attempting to collect the following alleged debts reported to my credit file : 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 XXXXXX/XX/XXXX Upon consultation with my legal counsel on XX/XX/XXXX, it has been confirmed that Midland Credit Management , Inc. does not possess a valid consumer collection agency license as required by the Florida Consumer Collection Practices Act ( FCCPA ), Chapter 559, Part VI, Florida Statutes ( Fla. Stat. 559.553 ). Additionally, XXXX does not maintain a registered business location within the state, violating Fla. Stat. 559.555, which governs registration requirements for out-of-state collection agencies.

Legal and Regulatory Violations The following statutory protections are being violated : Florida Consumer Collection Practices Act ( FCCPA ), Fla. Stat. 559.72 prohibits debt collectors from using deceptive means or attempting to collect debts without proper legal authority.

Fla. Stat. 559.553 mandates that no person shall engage in collection activities without registering with the Florida XXXX XXXX XXXX XXXX. Midlands failure to register or secure a bond renders all collection attempts unlawful. 
Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. protects consumers from deceptive, unfair, or abusive collection practices.

Furthermore, Midland has failed to provide : Documentation proving securitization of these debts, A copy of the purchase agreement, Evidence of their legal right and standing to collect in Florida.

Demand for Immediate Action I demand that : Midland cease all collection activities immediately, The debts be removed from my credit reports, and All future correspondence be directed to my legal counsel. I will be happy to provide my attorneys contact information upon request. 
Failure to resolve this matter will result in legal action against Midland Credit Management , Inc., the original creditors, and credit reporting agencies for damages under Fla. Stat. 559.77, which allows consumers to seek actual damages, statutory damages of up to {$1000.00} per violation, and reasonable attorneys fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P.
State: NM

Complaint narrative:
I believe the account is invalid. XXXX ACCOUNT needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their recordsXXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Amscot Corporation
State: FL

Complaint narrative:
On XX/XX/XXXX ; I received a call from Amscot in regards to a payday loan. I was informed the Amscot representative the loan was already paid off. I was then told by the representative, the payment on XX/XX/XXXX was returned on XX/XX/XXXX. However, the payment was received on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have no knowledge of these accounts or inquiries on my credit report and someone was using my personal information without my consent. Please delete these accounts on my credit report per 605B 15 USC 1681c-2. the accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$670.00} XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX  {$1200.00} XXXX XXXX XXXX XXXX {$200.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiries are XXXX XXXX XXXX  XX/XX/year>, XXXX XXXX XX/XX/year>, XXXX  XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XX/XX/year>, XXXX XXXXXXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XXXX, XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>, XXXX  XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year>, XXXX XXXX, XXXX  XXXX XX/XX/year>, XXXX  XXXX  XXXX XX/XX/year>, XXXX  XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX  XX/XX/year>, XXXX XXXX XX/XX/year>, XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XX/XX/year>, XXXX XXXX  XXXX XX/XX/year> XXXX XXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX  XXXX XX/XX/year> 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 2025-01-06 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:
I am filing this complaint to address Equifax 's failure to properly investigate and resolve fraudulent items on my consumer report in accordance with the Fair Credit Reporting Act ( FCRA ). Despite submitting all necessary documentation, including an FTC Identity Theft Affidavit ( Complaint # XXXX ), and filing prior CFPB complaints ( # XXXX submitted on XX/XX/XXXX ), Equifax reinstated fraudulent accounts without providing a valid reason. 

Equifax has also failed to process my disputes under FCRA 605B and has not disclosed their method of investigation as required by FCRA 611 ( 15 U.S.C. 16811 ). Supervisors have stated that their " policy '' prevents the removal of these fraudulent items, which directly contradicts the law. These accounts, including collections, late payments, and charge-offs, are the result of identity theft, as evidenced by my submitted FTC Criminal Complaint.

I am also reporting the failure to remove two fraudulent student loan accounts from my credit report, despite submitting a valid FTC Identity Theft Affidavit and all required supporting documents. These accounts were fraudulently opened at XXXX XXXX XXXX XX/XX/XXXX under account numbers XXXX and XXXX. 

In XXXX, I submitted my FTC affidavit disputing these accounts and provided all necessary documentation to have the items blocked and removed in accordance with FCRA Section 605B. However, despite compliance with the legal requirements, these fraudulent accounts remain on my credit report. I have spoken with several supervisors who informed me that the accounts could not be removed due to an internal " policy '' that conflicts with the procedures mandated by law under FCRA Section 605B. This policy does not align with the federal protections afforded to victims of identity theft and has caused significant harm and frustration. 

I demand the immediate removal of all fraudulent items within four days of receipt of this complaint to ensure compliance with federal regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: IL

Complaint narrative:
XXXX XXXX is reporting {$18000.00}, XXXX  XXXX {$430.00}, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX are fraudulently reporting on my consumer reports which is a violation of 15 usc 1681 and 15 usc 1666 I have been a victim of several data breaches including SSA, and XXXX XXXX breach this is having an adverse effect on my life as I am in the process of securing my financial future and becoming a homeowner this identity theft issue needs to be resolved immediately I have filed an Identity theft report please remove 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 non-monetary relief
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I need Wells Fargo to resend information regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Back to all 3 'credit bureau agency because they are currently only reporting minor accounts I had years ago And because these accounts are no longer on my credit reports it looks as if my credit history is thin Therefore can you post both of the account information and payment history back to XXXX XXXX XXXX and 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 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit information was apart of several data leaks that exposed my information. My information has shown up on the dark web as well as many other places including addresses, email info and password information. I received scammer calls daily now because of the data info leaking. XXXX acknowledged that the security failure persisted for nearly seven weeks, between XXXX XXXX, XXXX and XXXX XXXX, XXXX. I believed to also be involved in the XXXX XXXXXXXX XXXX XXXX data leak as well. I also believe that my data was leaked in the XXXX XXXX data leak.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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:
I am writing to formally dispute an inaccurate late payment entry from XXXX XXXX XXXX XXXX, reported on my credit report with a date of XX/XX/year>. I believe this information is incorrect and does not comply with the standards of accuracy required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811681x. 
Upon reviewing my credit report, I identified a late payment entry that I believe is erroneous or outdated. Under 15 U.S.C. 1681e, credit reporting agencies are legally obligated to ensure the information they report is accurate, complete, and up-to-date. Additionally, per the FCRA, outdated or irrelevant information must be removed from my credit report. The continued reporting of this entry is negatively impacting my credit profile and is unjustly affecting my ability to obtain financing, including an auto loan and mortgage. 
As this late payment entry appears to violate these provisions, I respectfully request that you conduct a thorough investigation and remove it from my credit report if it is found to be inaccurate. 
Please provide me with written confirmation of the results of your investigation and an updated copy of my credit report once the necessary corrections have been made. 
If you require any additional information to process my dispute, I can be reached at the contact details above. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX Date of Birth : XXXX SSN : 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 2025-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
Today, on XXXX  XX/XX/XXXX, I received a Voice mail call requesting I return the call, to XXXX XXXX XXXX this was an attempt to collect a debt and I was past due with a payment. 

Since when please, are Sundays allowable days for collection efforts by any companies? 
Laws simply state XXXX to XXXX for 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 monetary relief
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX Subject : Immediate Removal of Inaccurate Bankruptcy from My Credit Report Reference number : XXXX Record type : Bankruptcy XXXX  XXXX Court : XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to demand the immediate removal of an inaccurate bankruptcy reporting on my credit file under the provisions of federal law. This erroneous information has caused significant harm to my financial standing and is a blatant violation of my rights under the Fair Credit Reporting Act ( FCRA ) and other federal statutes.

As per 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may not furnish a credit report without a permissible purpose. This includes ensuring all information provided is accurate and verifiable. The reporting of this bankruptcy does not meet these standards.

Under 15 U.S.C. 1681q, knowingly and willfully reporting false or inaccurate information is unlawful. Your failure to verify the accuracy of this bankruptcy entry demonstrates either gross negligence or intentional misconduct, both of which violate this statute.

Furthermore, 18 U.S.C. 1028A provides for severe penalties for identity theft and fraudulent use of personal information. If this bankruptcy resulted from fraud or misrepresentation, your failure to investigate and correct this entry implicates you in enabling such violations. 

Lastly, 15 U.S.C. 1681c-2 gives me the right to block information on my credit report resulting from identity theft or fraud. I demand you immediately investigate this inaccurate bankruptcy and remove it without delay. 

I expect a prompt investigation and written confirmation of the removal of this inaccurate information within the next 30 days, as mandated by law. Failing to comply will leave me no choice but to escalate this matter, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. 

This letter serves as formal notice that I will pursue legal action to protect my rights if necessary. 

Sincerely, XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX Phone : XXXX Enclosures : Copy of Government-Issued ID utility bill for Address verification Letter from the United States Bankruptcy Court

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 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX Subject : Immediate Removal of Inaccurate Bankruptcy from My Credit Report Reference number : XXXX Record type : Bankruptcy XXXX  XXXX Court : XXXX XXXXXXXX XXXX XXXX MIC To Whom It May Concern, I am writing to demand the immediate removal of an inaccurate bankruptcy reporting on my credit file under the provisions of federal law. This erroneous information has caused significant harm to my financial standing and is a blatant violation of my rights under the Fair Credit Reporting Act ( FCRA ) and other federal statutes. 

As per 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may not furnish a credit report without a permissible purpose. This includes ensuring all information provided is accurate and verifiable. The reporting of this bankruptcy does not meet these standards.

Under 15 U.S.C. 1681q, knowingly and willfully reporting false or inaccurate information is unlawful. Your failure to verify the accuracy of this bankruptcy entry demonstrates either gross negligence or intentional misconduct, both of which violate this statute.

Furthermore, 18 U.S.C. 1028A provides for severe penalties for identity theft and fraudulent use of personal information. If this bankruptcy resulted from fraud or misrepresentation, your failure to investigate and correct this entry implicates you in enabling such violations. 

Lastly, 15 U.S.C. 1681c-2 gives me the right to block information on my credit report resulting from identity theft or fraud. I demand you immediately investigate this inaccurate bankruptcy and remove it without delay.

I expect a prompt investigation and written confirmation of the removal of this inaccurate information within the next 30 days, as mandated by law. Failing to comply will leave me no choice but to escalate this matter, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. 

This letter serves as formal notice that I will pursue legal action to protect my rights if necessary. 

Sincerely, XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX Phone : XXXX Enclosures : Copy of Government-Issued ID utility bill for Address verification Letter from the United States Bankruptcy Court

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: MO

Complaint narrative:
I keep filling a dispute for {$2100.00} and they keep denying it I just want my money XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: MI

Complaint narrative:
To Whom It May Concern : I am writing to formally dispute an entry on my credit report, as I believe it was obtained and/or furnished without my written consent, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681. 

The account in question is XXXX XXXX XXXX Account information XXXX, date opened XX/XX/year>. XXXX {$550.00}. 

According to 15 U.S.C. 1681b, consumer reporting agencies may only furnish a consumer report under specific circumstances and must have permissible purpose, which often requires prior written consent from the consumer. I have no record of providing written authorization for [ specific company/organization name, if applicable ] to access or furnish my credit information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation