vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp.
State: IL

Complaint narrative:
Subject : Formal Request for Debt Validation, Cease Collection Efforts, and Cease-and-Desist Communication Dear XXXX XXXX XXXX XXXX and Absolute Resolutions Investments LLC XXXX I am writing to formally request validation of two accounts you have reported in my name : - Reference Number : # XXXX - Reference Number : # XXXX These debts are causing harm to my credit profile, and I am disputing their accuracy and legitimacy. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to full validation of any reported debt, as well as protection from unverified or inaccurate reporting. Until these accounts are validated, I am requesting an immediate halt to any collection efforts and removal of these accounts from my credit report. 

Specifically, under federal law : 1. **15 U.S.C. 1681g ( FCRA ) ** - This section entitles me to full disclosure of the debts nature and terms. I request documentation that verifies this debt, including : - The original signed contract establishing my liability, - A complete payment and interest history, and - Proof of legal transfer or assignment from the original creditor to each agency now reporting the debt. 

2. **15 U.S.C. 1681s-2 ( FCRA ) ** - This section prohibits reporting any inaccurate or unverifiable information. If you are unable to provide valid documentation to verify this debt, I request its immediate removal from my credit report to prevent continued reporting of unverified information. 

3. **15 U.S.C. 1692g ( FDCPA ) ** - This provision of the FDCPA requires that upon my request, you validate the debt. Until you provide complete and sufficient documentation, I am requesting that all collection efforts cease immediately. 

4. **15 U.S.C. 1692c ( c ) ( FDCPA ) ** - I am exercising my right to request a cease-and-desist of any further communication efforts regarding these accounts. This includes all phone calls, letters, emails, or any other form of contact with me or my family members. Any further communication will be considered harassment and a violation of my rights under the FDCPA. 

Please consider this letter a formal dispute and request for validation. If you can not provide sufficient documentation to validate these accounts, I demand that they be removed from my credit report in compliance with **15 U.S.C. 1681c ( a ) ( 4 ) **. 

Failure to comply with these requests may result in my seeking legal remedies, including damages, as provided under the FCRA and FDCPA. I request written confirmation from both XXXX XXXX XXXX XXXX and Absolute Resolutions Investments LLC regarding your actions to validate, remove, and cease communication regarding these accounts. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
According to the fair credit reporting act ( FCRA ) section 605B. It is illegal to report information on my credit report without my permission. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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 request the immediate blocking and deletion of fraudulent accounts and inquiries on my credit report due to a recent data breach. Pursuant to my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that these unauthorized entries be removed. The following accounts and inquiries are not mine and are the result of identity theft : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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: TX

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 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: CA

Complaint narrative:
I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : Personal Information : Also Known As : XXXX XXXX Former : XXXX XXXX Former : XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX Employers : XXXX MORTGAGE REA Employers : XXXX Collection/Charge Off : XXXX XXXX XX/XX/XXXX {$20000.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$4700.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$9100.00} Late Payment : XXXX XX/XX/XXXX {$0.00} Inquiries : XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Recently checking my credit report, I noticed that I've been a victim of identity theft and found numerous credit inquiries that I have no knowledge of. Here are the inquiries that I've found : XXXX XX/XX/year>, CERTIFIED CREDIT REPORTI XX/XX/year>. 
Please remove these fraudulent inquiries from my credit report. I also attached my identity theft report as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
i bought this americanexpress gift card and ive spent 2 days trying to make a purchase and it will not work on any online store. they also charged XXXX dollers just to get the purchase the card. When I go on to the Amex website to check my balance im getting charged XXXX cents everytime is declines and i think i will spend more on declined fees then i actually spent on a purchase. Ive never been so frustrated trying to purchase anything using a gift card. I will never use another American Express gift card they are utter garbage and a total waste of my time, energy, temperament, patience, and money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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: TX

Complaint narrative:
XXXX XXXX Reported XX/XX/XXXX I moved from XXXXXXXX XXXX XXXX to XXXXXXXX XXXX  end of XXXX in XX/XX/XXXX i receive a bill from my old electric company stating that i owed XXXX dollars, I immediately call the company, and let them know that my services were stopped, before i left in XXXX, so how was i still being billed. i was told by the company to go back to XXXXXXXX XXXX XXXX and fille a police complaint, because it's possible the person that lived there after me was still using my electric account and that they didnt cut the electric even after i requested it. I then stated that's impossible, because i once own this same company XXXX dollars and they cut my electric off, so how can someone owed them this much without them cutting the electric, i didn't get an answer to that, so i demanded for them to send me all the bills that totaled to XXXX dollars an itemize bill, and they couldn't send me this bill, they sent me a summary of just XXXX dollars, i asked for an itemize bill.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 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:
XXXX XXXX Reported XX/XX/XXXX I moved from XXXXXXXX XXXX XXXX to XXXXXXXX XXXX end of XXXX in XX/XX/XXXX i receive a bill from my old electric company stating that i owed XXXX dollars, I immediately call the company, and let them know that my services were stopped, before i left in XXXX, so how was i still being billed. i was told by the company to go back to XXXXXXXX XXXX XXXX and fille a police complaint, because it's possible the person that lived there after me was still using my electric account and that they didnt cut the electric even after i requested it. I then stated that's impossible, because i once own this same company XXXX dollars and they cut my electric off, so how can someone owed them this much without them cutting the electric, i didn't get an answer to that, so i demanded for them to send me all the bills that totaled to XXXX dollars an itemize bill, and they couldn't send me this bill, they sent me a summary of just XXXX dollars, i asked for an itemize bill.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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: MO

Complaint narrative:
I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : Personal Information : Also Known As : XXXX XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX Former : XXXX XXXX Former : XXXX XXXX XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Employers : EMPLOYED Employers : XXXX XXXX : XXXX XXXX XXXX Collection/Charge Off : XXXX XXXX XX/XX/XXXX {$0.00} Late Payment : XXXX XXXX XX/XX/XXXX {$0.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
Report XXXX From your report I received the information. But it does not explain to me why when big purchases made on my account they normally contact me. It stated that I did not call them. They have record of it. They just not sharing the report. When Ex wife was no longer married to me. She was no longer a spouse. How is the debt enforced when it does not reflect the original account. Especially when I was not notified or received any money from the transactions. There were gains on my part. Just typed paper saying anything they want to say. This should not be enforceable. It does not serve the economy when loop holes who has financial responsibility is passed on.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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. 15 USC 1681 section 602A states I have the right to privacy. And according to 15 USC 1681eb they are suppose to ensure this whenever the consumer reporting agency prepares a consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 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: CA

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MT

Complaint narrative:
I called to ask that the dispute noted on my credit be removed from the debt collector. They said that I had disputed it in the past and won't remove it. I told them I no longer dispute the account and want the dispute removed. They said they would not remove it unless I paid off the debt. I do not want to do that I just want the dispute removed and they refused to correctly report the status of the account which is not in dispute. This phone call happened today on XX/XX/year> with the debt collector

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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: NC

Complaint narrative:
On XX/XX/year>, I recently received a copy of my Experian, XXXX, XXXX Credit Report and noticed some late payments posted on my credit report from : *XXXX XXXX  ( XXXX ) / {$830.00} XXXX XXXX Division of Child Support ( XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX Child Support ( XXXX ) / $ XXXX These companies are in clear violation of the law under 15 U.S.C.1681 b- Permissible Purpose of Consumer Reports and 15 U.S.C. 1681 ( 2 ) ( A ) ( i ) - ( FORA ). I request that the above late payments be deleted from my Consumer Report pursuant to U.S.C.1681. Failure to respond satisfactory with deletion of the above mentioned accts. and sent a free copy of the updated credit file will result in legal actions, wherein, I will seek damages of {$1000.00} per violation for : 1. Defamation of Character.

2. Negligent Enablement of Identity Fraud.

3. Fair Debt Collections Practices Act.

4. Fair Credit Reporting Act.

5. Willful Non-Compliance 15 U.S.C. 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 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ID Analytics, Inc.
State: CA

Complaint narrative:
I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : Personal Information : Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX Collection/Charge Off : XXXX XXXX XXXX {$530.00} Late Payment : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation