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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am asking for your help with this incorrect account on my credit report. It has damaged my reputation significantly, and I need your assistance. Your improper handling of my report has severely hurt me, and the incorrect details need to be removed as soon as possible.

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 — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: AL

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

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

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

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

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

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

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Ria Envia, LLC
State: CA

Complaint narrative:
I created an account with XXXX to send money to my brother and mother located in XXXX. I completed everything as requested, attached my debit card and processed the transfer. It's been in pending until i received an email saying my account was closed and they do not have a reason to tell me at this time. This is the first time i have ever used their services. I do not know what could warrant this closure. I haven't been involved in any fraudulent entaglement at all under any circumstances. I called customer service numerous times and they said they can't provide a reason as to why this happened. Absolutely ridiculous.

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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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: EQUIFAX, INC.
State: MD

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/ information reporting to my credit report. I called each collection agency and asked for a purchase agreement they weren't able to provide.These remarks have been Detrimental to my life and credit health.

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 — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX have stated that my bankrupties/public records are accurate and verified through XXXX XXXX. XXXX XXXX have sent me a letter stating they are not a consumer reporting agency, l have no bankrupties/public records showing with them and that its accurate showing blank. XXXX is in violation and is reporting inaccurate information being my name and XXXX XXXX Attached are receipts from certified copies sent to XXXX, a letter from XXXX XXXX, my bankruptcy record from XXXX XXXX, front copy of XXXX stating the information is reporting from 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: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX have stated that my bankrupties/public records are accurate and verified through XXXX XXXX. XXXX XXXX have sent me a letter stating they are not a consumer reporting agency, l have no bankrupties/public records showing with them and that its accurate showing blank. XXXX is in violation and is reporting inaccurate information being my name and XXXX XXXX. Attached are receipts from certified copies sent to XXXX, a letter from XXXX XXXX, my bankruptcy record from XXXX XXXX, front copy of XXXX stating the information is reporting from 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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
THESE ACCOUNTS ARE NOT MINE!! 
WANT THEM REMOVED ASAP.

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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I just reviewed a copy of my credit report and in accordance with the FCRA specifically 611 ( 15 USC 1681i ) 609 ( 12 USC 1681g ) 604 ( 15 USC 1681b ) the following inquiries I do not recognize or authorize 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX your company received my certified USPS mail requesting that you look into and verify information on my report. Instead, on XX/XX/XXXX I received what I've come to know as a STALL LETTER implying that " it didn't appear that you or a properly authorized third party sent it to us ''. Well then how did you receive it?? I sent it and included the identifying documents that your bogus letter requested. This time, so that there's no confusion, I'm sending it through the CFPB and I expect not only that you respond by XX/XX/XXXX which is the XXXX window as required by the FCRA. 

I'm writing AGAIN due to the fact that you sent me a letter assuming that it wasn't me or a properlyauthorized third party that send correspondence to you. Despite the fact that my ID and other sensitive information was included. This is very upsetting to me and I'm beginning to believe that my rights are being violated. Who are you to decide who'sauthorized or not. Your job is toconduct a full and properinvestigation. 



Whether or not I'm working with a third party is really none of your business and has nothing to do with you adhering to the FCRA and ensuring that the information within my credit profile is being reported accurately or not. 



On XX/XX/XXXX a report was released by the CFPB titled : CFPB Releases Report Detailing Consumer Complaint Response Deficiencies of the Big XXXX Credit Bureaus : XXXX, XXXX, and TransUnion routinely failed to fully respond to consumers witherrors. 

Something that stood out were these findings by the article : The CFPB found the XXXX companies often failed to provide substantive responses, especially when they alleged the complaints were sent in by third parties. However, consumers can authorize third-party representatives to submit complaints on their behalf. 



Federal law requires XXXX, XXXX, and TransUnion to conduct a review of certain complaints sent to them by the CFPB to determine whether all of their legal obligations have been met with respect to the subject matter of the complaint and then to report their determinations and actions to the CFPB. 



This has to stop and the stress, worry and financial damages inaccurate items being reported on my credit profile is causing me, is so unfair. 



Please investigate the following items, and promptly remove inaccurate, incomplete or unverifiable accounts :

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I sent a letter to transunion on XX/XX/XXXX, XXXX in regards of inaccurate information reporting on my credit report. The incorrect information reporting on my account is from XXXX XXXX XXXX  - XX/XX/scrub> 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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I do not recognize the following addresses and names as listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; please remove from my credit report immediately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Bitstamp USA, Inc.
State: PA

Complaint narrative:
I am writing to file a complaint against Bitstamp regarding significant issues with accessing my account and unacceptable delays in their customer service response. This has caused me considerable financial hardship as I am unable to access my funds. 

On XX/XX/year>, I initiated a request to change the email address associated with my account. This was necessary because I no longer use XXXX products and can not access the XXXX email address linked to my Bitstamp account. 

Following Bitstamp 's instructions, I provided all requested documentation, including a photo of myself with my identification and a handwritten note stating " For Bitstamp Only, '' clearly dated. Despite this, I have encountered repeated obstacles and delays. 

Here is a timeline of the events : XX/XX/XXXX : Submitted email change request with required documentation. 
XX/XX/XXXX : Instructed to schedule a video verification call. The earliest available appointment was XX/XX/XXXX. 
XX/XX/XXXX : Scheduled video call canceled due to technical difficulties on Bitstamp 's end. 
XX/XX/XXXX : After a four-day delay, I completed the video verification call with Bitstamp representative XXXX XXXX and answered all questions truthfully. It was revealed that my account was suspended because the new email address I provided was linked to other Bitstamp accounts. I explained that these accounts were created in XXXX and were inactive. 
XX/XX/XXXX ( cont. ) : XXXX XXXX assured me my case was escalated and a support ticket was opened. I was told to expect a decision within one week. 
XX/XX/XXXX : After multiple unsuccessful attempts to obtain an update, I spoke with Bitstamp representative XXXX, who promised to further escalate the case. 
XX/XX/XXXX : It has been nearly three weeks since my video verification, and I still have no access to my funds.

Company response to consumer: Untimely response
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
PLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM XXXX THE DOCUMENT NEEDED AS A LETTER FROM THE ADVOCACY GROUP HELPING ME DUE TO XXXX XXXX DEBT XXXX, WHICH FALLS UNDER XXXX  ACCORDING TO XXXX-DEBT FINAL RULE 1002.142 ( B ) ( 4 ) -5-1002.142 ( B ) ( 7 ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. I AM A VICTIM OF XXXX  XXXX  OF DEBT XXXX  AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM CREDIT REPORT! PLEASE DELETE THE FOLLOWING ACCOUNTS 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: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R.M. Galicia, Inc.
State: AZ

Complaint narrative:
I had a baby on XX/XX/year> at XXXX XXXX XXXX without insurance and called the company responsible ( In XXXX, of XXXX ) for billing. I was charged an inordinate amount for the birth and follow up care. I have XXXX separate bills totaling $ XXXX after discounts. I could not get a hold of someone from the hospital collection agency who could change my bill if needed. They actually dont have phone numbers. The person I talked with ( XXXX ) found many errors in my bill and told me she would call me back and get them addressed. She has not in the last XXXX months and no one has attempted to contact me except for billing. There are thousands of dollars in discrepancy in XXXX bill ( my sons ) and discrepancies in my personal bills from the same hospital for the same event.

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: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX - - 15 USC 1666 USC 1666B 12 CFR, 1026.13 Billing Error-Late payments. - Recently I checked my credit report and noticed late payments from your company.

This Edit account is inaccurately reporting payment history. Please update to paid as agreed/ never late XXXX XXXX - XXXX - 15 USC 1681e ( b ) Compliance procedures of the reports. - This account is not reporting completeness and accuracy. Your company is not assuring maximum possible accurate. Please delete this from my report XXXX -- 15 USC 1681e ( b ) Compliance procedures of accuracy the reports. - This account is not reporting completeness and accuracy. Your company is not assuring maximum possible accurate. Please delete this account from my consumer report. As a consumer by law this account must be removed. 
1 of 6 XXXX XXXX XXXX XXXX  - **** - Under 15 US CODE 1681a ( 3 ) this medical collection is in violation and can't be on my credit report - As a consumer by law this account must be deleted immediately Incorrect Name - XXXX XXXX - As a consumer by law this account must be deleted immediately Incorrect Name - XXXX XXXX XXXX - As a consumer by law this account must be deleted immediately Incorrect DOB - XXXX  - As a consumer by law this account must be deleted immediately Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - As a consumer by law this account must be deleted immediately Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXXXXXX - As a consumer by law this account must be deleted immediately Incorrect Address - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - As a consumer by law this account must be deleted immediately EMPLOYER - XXXX XXXX - As a consumer by law this account must be deleted immediately FYI : I am sending this letter in compliance with the The Fair Credit Reporting Act, Section 611, part B, subsection ( iii ). If you choose not to provide the above requested deletion or requested documentation of your investigation, I will pursue the enforcement of my constitutional rights.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
When I went through my credit profile I saw inquiries that didn't belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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 — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Hello and good day, you are in violation of my right to privacy, I never gave permission for this information to be reported on my credit report and you are obviously breaching it which is really insulting and a defamation of my character. This is hurting my credit score and impacting my life negatively as my new credit applications are being denied due to your negligence.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation