vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-05 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: GA

Complaint narrative:
Beginning on XX/XX/XXXX, XXXX began contacting me regarding an alleged debt that I owed a former apartment complex, XXXX XXXX XXXX. They repeatedly stated that they sent a letter to my current address and in 15 months of staying here, I have yet to receive that letter. They were very rude, condescending, and belligerent on the phone with me, not allowing me to talk or help me resolve this alleged matter. I requested proof of the debt and I was denied, I asked for payment options and they weren't provided, I was flagged as " refusal to pay '' and that's not what I did. This company is deceptive and I don't believe I owe this debt and want it disputed successfully and removed from my credit report. The company also lied saying that they reviewed the proof that I submitted and they lied to me stating they had a copy of my lease, when that is not valid and they don't have access to 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 2024-08-05 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: FL

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXXXXXX Balanced {$0.00} XXXX XXXX XXXX XXXX Balanced {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXXXXXX Balanced {$0.00} XXXX XXXX XXXX XXXX Balanced {$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 explanation
Consumer complaint received 2024-08-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 XXXX XXXX XXXX. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX section XXXX A Section XXXX. It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 non-monetary relief
Consumer complaint received 2024-08-05 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: FL

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 XXXX XXXX XXXX. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX section XXXX A Section XXXX. It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2024-08-05 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: EQUIFAX, INC.
State: OH

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as Self-attestation letter according to 1022.142 ( b ) ( 6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 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: OH

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as Self-attestation letter according to 1022.142 ( b ) ( 6 ).

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 2024-08-05 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: FL

Complaint narrative:
I have reached out to the involved companies through the credit bureaus, and it has been 90 days without any response. This lack of communication is concerning and disappointing, as I am only trying to resolve the issue with these accounts. The unresponsiveness from the company may be perceived as an admittance of incorrect or inaccurate information. I demand that this unverifiable information be removed from my credit report immediately. The 90-day delay in addressing this matter is unacceptable and impacts my financial standing. I expect prompt action to resolve this issue and ensure that my credit report accurately reflects my financial history. Please let me know if you would like any further revisions or if you have additional concerns. 


XXXX Credit Card XXXX  XXXX limit Late Payments on XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX Transunion not showing account* discrepancies Discrepancy with reporting XX/XX/XXXX and XX/XX/XXXX No missed payment Cares Act of XXXX discrepancy

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 2024-08-05 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: FL

Complaint narrative:
I have reached out to the involved companies through the credit bureaus, and it has been 90 days without any response. This lack of communication is concerning and disappointing, as I am only trying to resolve the issue with these accounts. The unresponsiveness from the company may be perceived as an admittance of incorrect or inaccurate information. I demand that this unverifiable information be removed from my credit report immediately. The 90-day delay in addressing this matter is unacceptable and impacts my financial standing. I expect prompt action to resolve this issue and ensure that my credit report accurately reflects my financial history. Please let me know if you would like any further revisions or if you have additional concerns. 


XXXX Credit Card XXXX XXXX limit Late Payments on Experian XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX not showing account* discrepancies Discrepancy with reporting XX/XX/XXXX and XX/XX/XXXX No missed payment Cares Act of XXXX discrepancy

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 2024-08-05 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: GA

Complaint narrative:
I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and addresses I do not recognize are continued here. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance {$2400.00} XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$11000.00} XXXX XXXX XXXX Balance {$4800.00}

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 2024-08-05 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan opened at XXXX XXXX XXXX XX/XX/XXXX under account number ( XXXX ), a personal credit card account opened XX/XX/XXXX under account number ( XXXX ), an installment account opened at XXXX on XX/XX/XXXX under account number ( XXXX ), an installment account opened at XXXX XXXX XXXX on XXXX, XXXX under account number ( XXXX ), a credit card account opened at Peoples Advantage FCU on XXXX XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX & ( XXXX ) under account numbers ( XXXX ) ( XXXX ) a installment account opened at XXXX on XX/XX/XXXX under account number ( XXXX ) a personal credit card account opened with XXXX on XX/XX/XXXX under account number ( XXXX ) With a balance of {$35000.00} that appears related to the aforementioned. These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of collections in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, as reported. The aforementioned accounts, collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, are the result of identity theft and 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 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: CA

Complaint narrative:
MOHELA/DEPT OF ED {$2200.00} and {$3500.00} Account number XXXX Address XXXX XXXX XXXX, MO XXXX phone number ( XXXX ) XXXX Date opened Date opened XX/XX/year> I demanded them to take off and remove any information that the creditor can not verify. I understand 15 u.s.c sec. 1681i ( a ) an law 15 usc 6801 protection of info law 15usc 1681a remove inquiries law usc 1692cc remove collections and law 15 usc 1615 and consumer credit transaction as soon as the consumer prepays in full anything over {$1.00} suppose receive all credits back which they never did and I want this off my credit as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Midland credit reached out to me, via certified mail with a lawsuit on XX/XX/XXXX. On this day, o responded denying the debt and requesting full debt validation. Again on XX/XX/XXXX, less than two weeks later - they taped a second summons to my front door. This is still within the timeframe of me to respond per their first summons so I am unsure on why they would plaster a lawsuit on to my front door. This is a violation of the Fair Debt Collection Practices Act ( revealing to other persons [ neighbors ] the existence of debts ). This debt has NOT been validated. I dispute this debt in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: IN

Complaint narrative:
I sent letters of dispute to I.C System INC in or around XX/XX/year> and XX/XX/year> for the amount of {$210.00}. I.C System INC signed for the letters on XX/XX/year> and the second letter on XX/XX/year>. I.C Systems did respond after the 31 day timeframe required by law. I received a response from I.C System INC stating that they had investigated my recent dispute and that they were unable to verify the information reported and have requested that any information provided to the credit reporting agencies regarding this account be deleted or removed from their records. As of this day, XX/XX/year>, the account still remains on my credit report and has not been removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 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: DC

Complaint narrative:
The following company did not had permission or authorization to request a copy of my credit report. XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year>. I demand the deletion of this inquiry from my report, it is unauthorized, unproven, none complaint and unverified inquires as required by law if unproved with an actual purpose that was not concluded by me. I will like a new copy of my credit report reflecting the deletion. Thank you for your time and attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I am not liable for this debt of {$29000.00} with XXXX XXXX XXXX IN Account Number : XXXX ; I do not have a contract with them and did not receive FUNDING, They did not provide me with the original contract as I requested with my wet signature and ID verification. Will you please verify that the information reported is 100 % accurate and that you can fully verify it. Otherwise, will you please remove from my credit. Also the company is updating the balance of my account every few days which is against the law according to 15 U.S. Code 1692 ( a ) ( b ). I will attach screen shots of the info as well. This is my 2nd attempt to get this matter off of my credit report it is affecting my life and putting me in jeopardy of living a fair life. The recent update to the balance has dropped my credit score down XXXX points and I am ready to file a report with the Federal Trade Commission for illegal practices of my credit. PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT PROFILES IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 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: AR

Complaint narrative:
I am not liable for this debt of {$29000.00} with XXXX XXXX XXXX IN Account Number : XXXX ; I do not have a contract with them and did not receive FUNDING, They did not provide me with the original contract as I requested with my wet signature and ID verification. Will you please verify that the information reported is 100 % accurate and that you can fully verify it. Otherwise, will you please remove from my credit. Also the company is updating the balance of my account every few days which is against the law according to 15 U.S. Code 1692 ( a ) ( b ). I will attach screen shots of the info as well. This is my 2nd attempt to get this matter off of my credit report it is affecting my life and putting me in jeopardy of living a fair life. The recent update to the balance has dropped my credit score down XXXX points and I am ready to file a report with the Federal Trade Commission for illegal practices of my credit. PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT PROFILES IMMEDIATELY.

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 2024-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
On XX/XX/year> and XX/XX/year> I was a victim of a fraud through my Chase Bank XXXX. On XX/XX/year> I received a text message claiming to be Chase Bank stating that a wire transfer was being requested for my account and asked me if I requested the transaction. I replied no and almost immediately received a phone call. The caller stated his name was XXXX XXXX and that he is a fraud investigator for Chase Bank. I looked up the number he called from and it showed to be a valid phone number for Chase Bank. He stated that someone was attempting to transfer {$500.00} from my XXXX account. He stated that I needed to reverse the transaction and instructed me to transfer {$500.00} from my XXXX to Chase to reverse the fraudulent transaction. He instructed me to XXXX the money to phone # ( XXXX ) XXXX which I did under XXXX transaction # XXXX. He told me to use the initials AM which is the first letter of my last name and first name as the recipient. Upon looking at the transaction on XXXX it shows to have been paid to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. After making the XXXX transfer he advised the {$500.00} would be placed back into my account. On XX/XX/year> I received another phone call from the same person claiming to be XXXX XXXX from Chase Bank Fraud Department. He stated that someone was again attempting to transfer funds from my Chase Bank XXXX snd the amount this time was for {$2000.00}. He instructed me again to transfer the {$2000.00} to the same phone number ( XXXX ) XXXX and again using the initials XXXX which are the first letters of my last and first name. I did as instructed and transferred the {$2000.00} from my Chase Bank XXXX. Upon looking at this transaction on my XXXX it shows to have been paid to XXXX XXXX XXXX XXXX XXXX. XXXX, Texas. After the second transfer on XX/XX/XXXX I became suspicious and called Chase Bank. I was advised by an employee in the fraud department that I was a victim of a scam. I filed a fraud claim with Chase Bank claim # XXXX. Chase Bank denied my claim and has refused to reimburse me the {$2500.00} that was taken from my account through the qualifying imposter scam. Chase sent me a letter and advised me that the transactions were processed according to the information I provided and was authorized. I contacted Chase upon receiving the denial letter and attempted to dispute the denial. I was advised that the investigation into the fraud was now closed and could not be disputed and that I would not be reimbursed for the {$500.00} and {$2000.00} transactions. I believe that I am eligible for reimbursement through the electronic funds transfer act due to being a victim of a qualifying imposter scam.

Company response to consumer: Closed with explanation