vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. Moreover, I was affected by the XXXX, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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 2024-12-06 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: NY

Complaint narrative:
{$180.00} XXXX XXXX XXXX Account Closed Date Closed : XX/XX/XXXX Account Information Account Status Closed Account Type Credit Card Date Opened XX/XX/XXXX Credit Limit {$300.00} Keeping your credit usage below 30 % will keep you in good standing with lenders and may improve your credit score.

Payment Information Payment Status Collection/Chargeoff Past Due Amount {$180.00} Highest Balance XXXX XXXX XXXXonthly Payment $ XXXX  Times XX/XX/XXXX days late ( Last 7 years ) XXXX Additional Information Responsibility Individual Terms XXXX Remarks Charged off as bad debt Profit and loss write-off Creditor Name XXXX XXXX Creditor Contact XXXX XXXX XXXX XXXX, VA XXXX ( XXXX XXXX XXXX XXXX VALIDATION LETTER [ INSERT DATE ] [ INSERT YOUR NAME, AND ADDRESS DETAILS ] [ INSERT COLLECTION AGENCY NAME, AND ADDRESS ] RE : Validation for Account No. [ ACCOUNT NUMBER ] To Whom it May Concern, This letter is in response to your contact [ CONTACT METHOD ] on [ CONTACT DATE ] at [ CONTACT TIME ] about the alleged [ DEBT TYPE ] you have identified. This is neither an acknowledgement of debt nor a refusal to pay, but a notice to request validation. 
Under the Fair Debt Collections Practices Act ( FDCPA ), I am entitled to request validation of the debt that you allege I owe to you. This is not a request to verify the debt, but rather a request for you to provide complete and competent evidence of my contractual obligation to provide payment due to you.

Please provide the following alleged information to me within thirty ( 30 ) days from receipt of this letter. [ INSERT ALL THAT APPLY ] [ Creditor 's Name and Full Address ] [ Name of Debtor of Record ) [ Full Account Number ] [ Amount of Debt ] [ Due Date of Debt ] [ Original Charge Off or Delinquency Date ] [ Explanation of how the Debt was calculated ] [ Evidence that the Debt is within State 's applicable Statute of Limitation ] [ Name of Collection Agency or Owner of Debt, if applicable ] [ Amount Paid if Debt was Purchased ] [ Completed and Executed Agreement, including Signature Pages, for the Debt ] Pursuant to my rights under FDCPA, I will not be responding or acknowledging any further collection attempts from you until you have verified that this debt is mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 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: NY

Complaint narrative:
{$180.00} XXXX XXXX XXXX Account Closed Date Closed : XX/XX/XXXX Account Information Account Status Closed Account Type Credit Card Date Opened XX/XX/XXXX Credit Limit {$300.00} Keeping your credit usage below 30 % will keep you in good standing with lenders and may improve your credit score.

Payment Information Payment Status Collection/Chargeoff Past Due Amount {$180.00} Highest Balance XXXX XXXX Monthly Payment XXXX XXXX Times XX/XX/XXXX days late ( Last 7 years ) XXXX Additional Information Responsibility Individual Terms XXXX Remarks Charged off as bad debt Profit and loss write-off Creditor Name XXXX XXXX Creditor Contact XXXX XXXX XXXX XXXX, VA XXXX ( XXXX XXXX XXXX XXXX VALIDATION LETTER [ INSERT DATE ] [ INSERT YOUR NAME, AND ADDRESS DETAILS ] [ INSERT COLLECTION AGENCY NAME, AND ADDRESS ] RE : Validation for Account No. [ ACCOUNT NUMBER ] To Whom it May Concern, This letter is in response to your contact [ CONTACT METHOD ] on [ CONTACT DATE ] at [ CONTACT TIME ] about the alleged [ DEBT TYPE ] you have identified. This is neither an acknowledgement of debt nor a refusal to pay, but a notice to request validation. 
Under the Fair Debt Collections Practices Act ( FDCPA ), I am entitled to request validation of the debt that you allege I owe to you. This is not a request to verify the debt, but rather a request for you to provide complete and competent evidence of my contractual obligation to provide payment due to you.

Please provide the following alleged information to me within thirty ( 30 ) days from receipt of this letter. [ INSERT ALL THAT APPLY ] [ Creditor 's Name and Full Address ] [ Name of Debtor of Record ) [ Full Account Number ] [ Amount of Debt ] [ Due Date of Debt ] [ Original Charge Off or Delinquency Date ] [ Explanation of how the Debt was calculated ] [ Evidence that the Debt is within State 's applicable Statute of Limitation ] [ Name of Collection Agency or Owner of Debt, if applicable ] [ Amount Paid if Debt was Purchased ] [ Completed and Executed Agreement, including Signature Pages, for the Debt ] Pursuant to my rights under FDCPA, I will not be responding or acknowledging any further collection attempts from you until you have verified that this debt is mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: NY

Complaint narrative:
Request for Investigation and Removal of Erroneous Debt from Credit Report To Whom It May Concern : I am writing to formally request the Consumer Financial Protection Bureau ( CFPB ) assist in resolving an issue with a debt of {$6500.00} reported by Security Credit Services that has erroneously appeared on my credit report. This debt does not belong to me, and I believe I am a victim of identity theft. 

In the past, I successfully disputed a similar fraudulent account, which was removed after the creditor verified it was not my debt. Unfortunately, this new account has emerged and is significantly impacting my credit score and financial stability.

I can confidently testify under oath that I never authorized this debt, nor have I had any dealings with Security Credit Services. The presence of this erroneous debt on my credit report has caused immense hardship for my family and me, particularly in our attempts to secure financing for a home.

I have taken the following steps : 1. Submitted disputes to the credit bureaus requesting investigation and removal of the debt.

2. Contacted Security Credit Services for validation and resolution.

Despite my efforts, the issue remains unresolved, and I am now turning to the CFPB for assistance. I respectfully request the CFPB : - Investigate this matter thoroughly.

- Ensure Security Credit Services validates this debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ).

- Remove this debt from my credit report if it can not be properly validated.

Enclosed are copies of documents that support my claim, including : - Previous correspondence related to this dispute.

- Proof of the resolution of the prior fraudulent account.

- A sworn affidavit affirming my lack of connection to this debt.

This situation has been a distressing experience, and its resolution is critical for my financial well-being and my familys ability to move forward with purchasing a home.

Thank you for your prompt attention to this matter. I am available to provide any additional information or documentation necessary to support this investigation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX corona ny

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I am writing to notify you that I am a victim of a data breach and to request the immediate blocking and deletion of all fraudulent accounts and inquiries listed below from my credit report.

This request is made pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ).

The following accounts have been identified as fraudulent and must be removed : Accounts : XXXX. XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$230.00} XXXX. XXXX XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$230.00} XXXX. XXXX XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$230.00} XXXXXXXX XXXX XXXX  - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$2200.00} XXXX. XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$1300.00} XXXX. XXXX XXXX XXXX XXXX Account # XXXX - Opened : XX/XX/XXXX - Balance : {$120.00} XXXX. XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$750.00} XXXX XXXX XXXX  - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$9600.00} XXXXXXXX XXXX XXXX  - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$1000.00} XXXXXXXX XXXX XXXX XXXX  Account # XXXX - Opened : XX/XX/XXXX - Balance : {$1200.00} XXXX. XXXX XXXX XXXX Account # XXXX - Opened : XX/XX/XXXX - Balance : {$1000.00} XXXX. XXXX XXXX XXXX - Account XXXX XXXX - Opened : XX/XX/XXXX - Balance : {$940.00} Inquiries : XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I just looked over my reports and many accounts are inaccurate or incomplete which is a violation of 15 USC 1681e ( b ), also I have been trying to obtain detailed description of the investigation process performed by Transunion basically all year from XXXX until today. They have been the rudest most unprofessional company I have ever dealt with from hanging up on me when asking for information, from blocking access to the call center once the social number is inserted, to blocking access to online, Transunion has sent frivolous computer-generated responses with no backing and it's getting really old and obvious willful noncompliance per 15 USC 1681n .

Under Section 15 USC 1681I ( 7 ) credit reporting agencies such as Transunion are obligated to provide a description of their investigation within 15 days, and this has never happened in over 6 months however they keep reporting the XXXX accounts as verified. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : Provide the description of the investigation used to verify this account if you can not delete this account immediately. 
XXXX. XXXX XXXX XXXX XXXX : Provide the description of the investigation used to verify this account if you can not delete this account 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 non-monetary relief
Consumer complaint received 2024-12-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I am writing to request validation of the debt that you are claiming I owe, as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), Section 809. I dispute the validity of this debt and am requesting verification of the following details : Amount of the debt {$4400.00} Creditors name XXXX XXXX XXXX  Please be reminded that, pursuant to the FDCPA, you are required to cease all collection activity until such validation is provided. Should you fail to provide adequate proof of the debt within thirty ( 30 ) days from the date of receipt of this letter, any further attempts to collect the alleged debt will be in violation of the FDCPA, and I will pursue all available legal remedies to protect their rights, including the possibility of reporting this matter to the relevant regulatory authorities. 

This letter serves as a formal request for debt validation and should not be construed as an acknowledgment of the debts validity. Should you fail to provide the requested documentation, I expect that all collection efforts will cease, and any reporting of this alleged debt to credit agencies will be retracted. 

Please respond within the statutory time frame. Should you require any further information, please direct all future correspondence to my office. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: TX

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 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: TX

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2024-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE 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 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE 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 explanation
Consumer complaint received 2024-12-06 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: MI

Complaint narrative:
I viewed my credit report and found Inquires that I have not authorize. I am writing to dispute and request the removal of the unauthorized or potentially fraudulent credit inquiries from my credit report. I have submitted a report of the activity to the Federal trade commission and provided documentation Below.

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 2024-12-06 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: MI

Complaint narrative:
I viewed my credit report and found Inquires that I have not authorize. I am writing to dispute and request the removal of the unauthorized or potentially fraudulent credit inquiries from my credit report. I have submitted a report of the activity to the Federal trade commission and provided documentation Below.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: MD

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have been receiving inaccurate information from TransUnion. The score does not reflect my credit history. I also only see the score on bank accounts but not on the actual website which I have an account in. When I request my actual report online or by mail, the site tells me that it is unavailable for months.

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