vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AZ

Complaint narrative:
CFPB Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Dispute of Debt XXXX XXXX XXXX XXXX Account Ending in XXXX ) To Whom It May Concern, I am writing to dispute a debt reported by XXXX XXXX XXXX XXXX which I am not aware of and do not believe is valid. The details of the debt are as follows : Creditor Name : XXXX XXXX XXXX Account Number : [ Insert Account Number Ending in XXXX ] Report Date : XX/XX/year> Debt Amount : {$3400.00} I have no knowledge of this debt and have requested that XXXX XXXX XXXX provide a wet signature verifying that I have done business with them and authorized this account. To date, I have not received any such documentation. 

In light of a recent data breach, I have taken steps to freeze my credit to prevent any unauthorized activity. I formally request that all documents relating to this debt, including the original agreement and any supporting evidence, be sent to me for review. 

I respectfully request that the CFPB investigate this matter and ensure that XXXX XXXX XXXX complies with my requests for verification. If they are unable to provide the requested documentation, I ask that the debt be removed from my credit report and all collections efforts cease. 

Please treat this as a formal dispute of the debt under the Fair Debt Collection Practices Act ( FDCPA ) and ensure all communication regarding this debt is halted while the matter is investigated. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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: NJ

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-23 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: NJ

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report 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

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 2024-09-23 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, NY XXXX SSN : XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX TransUnion po box XXXX XXXX XXXX PA XXXX Subject : Metro 2 Compliance and FCRA Violations Dear Credit Reporting Agencies , I am writing to formally address concerns regarding the accuracy and compliance of my credit report as it pertains to the Metro 2 guidelines and the Fair Credit Reporting Act ( FCRA ).

I have identified several accounts that contain adverse information which I believe does not comply with the required standards. The highlighted accounts in my report were found to contain inaccuracies that violate the FCRA 's mandate for accurate reporting. 
Specifically, these accounts do not adhere to the Metro 2 compliance requirements that ensure the integrity and fairness of credit reporting. In light of these findings, I request that you conduct a thorough investigation into these accounts. If it is determined that they are indeed in violation of the FCRA and Metro 2 guidelines, I ask that you delete all adverse information associated with these accounts from my credit report promptly.

I appreciate your attention to this matter and look forward to your swift response. Please inform me of the outcomes of your investigation within the timeframes stipulated by the FCRA. 

Thank you for your cooperation. 

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 explanation
Consumer complaint received 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, NY XXXX SSN : XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Equifax XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : Metro 2 Compliance and FCRA Violations Dear Credit Reporting Agencies , I am writing to formally address concerns regarding the accuracy and compliance of my credit report as it pertains to the Metro 2 guidelines and the Fair Credit Reporting Act ( FCRA ). 

I have identified several accounts that contain adverse information which I believe does not comply with the required standards. The highlighted accounts in my report were found to contain inaccuracies that violate the FCRA 's mandate for accurate reporting. 
Specifically, these accounts do not adhere to the Metro 2 compliance requirements that ensure the integrity and fairness of credit reporting. In light of these findings, I request that you conduct a thorough investigation into these accounts. If it is determined that they are indeed in violation of the FCRA and Metro 2 guidelines, I ask that you delete all adverse information associated with these accounts from my credit report promptly.

I appreciate your attention to this matter and look forward to your swift response. Please inform me of the outcomes of your investigation within the timeframes stipulated by the FCRA. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: NC

Complaint narrative:
In short : I was XXXX from XXXX XXXX  in a XXXX  location, I applied for 0 % interest, got approved on XX/XX/XXXX, but they never applied it to my account nor refunded the interest I was forced to pay those months. I also have loans above 6 % in violation of SCRA, I was approved for this as well and they never applied it. They do not respond to my calls or emails. I've attached the letter from my lawyer that I sent Mohela and supporting documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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: MI

Complaint narrative:
I am a victim of identity theft. My information was fraudulently used for credit cards. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-23 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: MI

Complaint narrative:
I am a victim of identity theft. My information was fraudulently used for credit cards. 

Accounts : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-23 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:
First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

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 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
15 US Code 1681b ( e ) ( 6 ) All CRAs must work together and be joined.

I am writing to bring to your attention a major issue with the public record information on my credit report. It is a fact, consumer reporting agencies on a nationwide basis must maintain a joint notification system. This consumer has reason to believe and do so believes, this subsection was enacted to maintain maximum possible accuracy amongst CRAs. This information for XXXX XXXX on my consumer report does not match the information provided by other consumer reporting agencies. XXXX removed the XXXX XXXX from my consumer report, which means XXXX and Experian has failed to maintain reasonable procedures to keep a joint notification system, and is in violation of US Code 1681b ( e ) ( 6 ). I kindly request that this inaccurate information be promptly removed from my credit report to ensure compliance with the Fair Credit Reporting Act. I understand the importance of accurate and fair credit reporting, and I trust that your agency will take necessary steps to address this matter in a timely manner. Please have the CRAs provide me with a written confirmation once the inaccurate public record information has been rectified. I appreciate your attention to this issue and look forward to a swift resolution. 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 explanation
Consumer complaint received 2024-09-23 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: CA

Complaint narrative:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX and EQUIFAX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 

XXXX XXXX XXXX Balance : {$8100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-23 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: TX

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-23 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-09-23 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, NY XXXX SSN : XXXX XXXX : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : XXXX XXXX Compliance and FCRA Violations Dear Credit Reporting Agencies , I am writing to formally address concerns regarding the accuracy and compliance of my credit report as it pertains to the Metro 2 guidelines and the Fair Credit Reporting Act ( FCRA ).

I have identified several accounts that contain adverse information which I believe does not comply with the required standards. The highlighted accounts in my report were found to contain inaccuracies that violate the FCRA 's mandate for accurate reporting. 
Specifically, these accounts do not adhere to the Metro 2 compliance requirements that ensure the integrity and fairness of credit reporting. In light of these findings, I request that you conduct a thorough investigation into these accounts. If it is determined that they are indeed in violation of the FCRA and Metro 2 guidelines, I ask that you delete all adverse information associated with these accounts from my credit report promptly. 

I appreciate your attention to this matter and look forward to your swift response. Please inform me of the outcomes of your investigation within the timeframes stipulated by the FCRA. 

Thank you for your cooperation. 

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 explanation
Consumer complaint received 2024-09-23 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:
First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 


XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-23 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: GA

Complaint narrative:
Subject : Request for Investigation of Inaccurate Credit Reporting Dear CFPB Team, I am writing to request your assistance regarding inaccuracies on my credit report that pertain to a XXXX  XXXX bankruptcy., and I am not XXXX, as erroneously reported. This misinformation must be corrected, as it is affecting my creditworthiness. 

I have identified several entries that are inaccurate and should have been deleted, including accounts from XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX and Inquiries that I have no credit for.These creditors previously promised to remove these inaccuatcies, yet they still appear on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccuracies and ensure that my credit report reflects fair and accurate information. The FTC supports these consumer protections, emphasizing the need for precise reporting. Given that my name is incorrectly reported with XXXX attached is my Drivers Licence and Social security card, these accounts should have been deleted, I kindly request that you investigate this matter and facilitate the removal of all inaccurate information from my credit reports across all three bureaus. 

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

Sincerely,

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