vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-13 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 XXXX XXXX SS # XXXX XXXX XXXX Transunion This CFPB complaint has been filed to request pursuant to FCRA $ 605B ( 15 U.S.C {$1600.00} c-2 ) that you, the Transunion credit reporting agency , block information on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists XXXX XXXX XXXX with XXXXXXXX XXXX XXXX opened on XX/XX/XXXX with an account number XXXX and a balance of {$38000.00}, XXXXXXXX XXXX a charge card opened XX/XX/XXXX with an account number XXXX, a collection account with XXXX XXXX XXXX XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent accounts appearing on my consumer XXXX credit report maintained by you which shows the aforementioned accounts, collections, charge offs, and hard inquiries, are the result of identity theft and fraud. I have attached a copy of the FTC identity theft criminal complaint # as proof of the federal trade commission that all of the aforementioned consumer credit account, charge offs, collections, and hard inquries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 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: MA

Complaint narrative:
They are the cause of my data breach alone with XXXX and there are accounts with the collection and late payments, addresses that do not belong to me and all of this stuff is preventing me from getting an apartment for my and my children 's credit e.c.t. We are homeless right now because I've been fighting with Equifax and XXXX credit report for months. I did not realize that my credit report had been tampered with since XXXX I didn't realize it until I noticed that my XXXX XXXX and a lot more of my accounts were changed into a different name and every time my bank cards were used. and this was back at the end of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
XXXX XXXX sold my account for non-payment to two different credit collections companies for two different amounts when I only had one account and owed less than ( {$2900.00} ) which was the original in-store credit limit. But they sold to Midland Credit for ( {$4300.00} ) and XXXX XXXX XXXX for $ ( XXXX ). Both Credit companies has reported they are the original creditors and they are not and I only had ( 1 ) account with XXXX XXXX. XXXX XXXX closed this account on XX/XX/year>. And now Midland Credit is suing me for ( {$4300.00} ). How is this even legal to sell my debt at two different prices and to two different companies, and not to mention lie on my credit report along with the credit collection companies?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: GA

Complaint narrative:
Was notified by XXXX XXXX of a new collection. Contacted IC systems. At first, they couldnt give me any information. I said Im unaware of this account. They stated it was for a XXXX bill from XXXX  but didnt have a service address. I told them I was never contacted about this. They said they tried to email me back in XXXX. I dont have an email from them. They said I could go to police department to start a fraud case.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: OH

Complaint narrative:
I have two loans with this company. It should only be one loan, but they screwed up my consolidation over a decade ago. They have regularly misapplied payments I send them, despite repeated communication. Recently, they misspelled a payment of {$100.00} sent XX/XX/year>24 and then said I'm behind on my payments and they are reporting me late to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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: NJ

Complaint narrative:
I am writing to dispute several accounts on my credit report that were opened fraudulently in my name. Under 15 U.S.C. 1681c-2, I request the immediate blocking and removal of these fraudulent accounts from my credit report. These accounts were opened without my authorization, and I have never given written permission for them to be reported, as required by 15 U.S.C. 1681 ( a ) ( 2 ).

In accordance with 15 U.S.C. 1681c-2, please block these accounts from my credit report within four business days and provide written confirmation of their removal. Additionally, I have frozen my credit profile to prevent further unauthorized activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 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: TX

Complaint narrative:
Experian continues to state they have verified this bankruptcy but how? I keep asking how are they verifying this information if XXXX and XXXX have already deleted the information?! The vendor they use which is XXXX also deleted the bankruptcy so what magical information does Experian have that validated this information. I have wrote letters and filed complaints against them and they will not tell me what they used to verify this 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 2024-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Ive requested copies of any court orders that may have been filed against my company XXXX XXXX XXXX XXXX. 
Im also requesting information on the withdrawal of {$940000.00} from my checking account on XXXX XXXX XXXX Also the savings account withdrawal of {$65000.00} on XXXX XXXX XXXX In addition I would like to know about the CD account withdrawal of {$150000.00}, I was issued a check for {$5200.00} on XXXX  A letter was sent out saying all accounts would be closed by XXXX XXXX XXXX  an any remaining funds would be sent to the address on file within 10 business days. I have not received any funds yet except the {$5200.00} which is very unusual. Please close all my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the following statement is true and correct to the best of my knowledge. I certify that I am permitted by federal and state law to file this dispute. I understand that knowing and willful misstatements or omissions of material facts constitute a federal criminal violation punishable under 18 U.S.C. 1001 and as perjury under 18 U.S.C. 1621.

An item on my credit report is not related to any transaction that I made. I am alleging that a person or company, without my authorization, used my personal identifying information to apply for goods, services, or money and was successful in creating this account. The debt collector, XXXX XXXX XXXX, has placed an unknown account on my credit report without my knowledge or consent. This has caused significant harm, including damage to my credit score and defamation of my character. 
The continued reporting of this fraudulent debt by XXXX XXXX XXXX constitutes a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Despite my efforts to resolve this matter directly with the collector, they have failed to provide sufficient validation of the debt and continue to report this erroneous information to the credit bureaus. This has led to emotional distress, financial hardship, and reputational damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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: TX

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the following statement is true and correct to the best of my knowledge. I certify that I am permitted by federal and state law to file this dispute. I understand that knowing and willful misstatements or omissions of material facts constitute a federal criminal violation punishable under 18 U.S.C. 1001 and as perjury under 18 U.S.C. 1621. 
An item on my credit report is not related to any transaction that I made. I am alleging that a person or company, without my authorization, used my personal identifying information to apply for goods, services, or money and was successful in creating this account. The debt collector, XXXX XXXX XXXX, has placed an unknown account on my credit report without my knowledge or consent. This has caused significant harm, including damage to my credit score and defamation of my character. 
The continued reporting of this fraudulent debt by XXXX XXXX XXXX constitutes a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Despite my efforts to resolve this matter directly with the collector, they have failed to provide sufficient validation of the debt and continue to report this erroneous information to the credit bureaus. This has led to emotional distress, financial hardship, and reputational damage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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: FL

Complaint narrative:
I'm writing to communicate my XXXX in regards to the contested records on my credit report. On different occasions, I have raised the issue of mistakes in these records, and have reliably mentioned that they be completely researched. In spite of my endeavors, I presently can't seem to get any goal or restorative activity. These mistaken records are seriously harming my credit document and preventing my capacity to carry on with a typical life. The adverse consequences of these mistakes have caused tremendous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is happening quickly. I generously demand that you lead a careful examination concerning the detailing of every one of these contested records. It is basic that the essential advances are taken to refresh and correct my credit report immediately. With your assistance, I desire to reestablish the exactness and uprightness of my credit document so I might recover command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your collaboration and backing in settling this issue speedily would be enormously valuable. Much thanks to you ahead of time for your comprehension and help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I am writing regarding your recent communication regarding the collection of an alleged debt associated with Portfolio Recovery Associates , LLC. Upon receiving your correspondence, I appreciate your efforts to communicate with me regarding this matter. 

However, I must express my concern regarding the lack of documentation provided thus far, specifically a contract or agreement between your agency and your client pertaining to the debt in question. 

As a consumer, I am entitled to certain protections under the Fair Debt Collection Practices Act ( FDCPA ), including the right to request validation of the debt and to receive certain information about the debt. One such requirement is the provision of a written agreement between the original creditor and your agency, outlining the terms and conditions of the alleged debt. 

To ensure the validity and accuracy of the debt, I kindly request that you provide me with a copy of the contract or agreement between your agency and your client pertaining to the debt in question. This document is essential for me to fully understand the nature of the debt and to assess its validity. 

Furthermore, I would like to request that all collection activities regarding this account cease until such time that the requested documentation is provided. Pursuant to the FDCPA, I reserve my rights under the law to dispute the debt and request validation of the same. 

Please provide the requested documentation within 30 days from the date of this letter. Failure to do so may result in further action to protect my rights under the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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: MS

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There's a company that's charging people a little bit of money. For information that's in the closets of credit. To help eliminate credit debts. My problem is I don't have loans I don't have no issues with credit. But my score is XXXX. And I'm trying to change that from XXXX to XXXX. 

So my question is what documents would I need to send to the credit bureau. To have my score opted up. Instead of at XXXX. 

I want to buy a house and a car. With no cosigner. And with a high credit score. All doors open. XXXX XXXX break all holds on my financial life. 


And I'll keep my bills paid on a timely fashion. 


If I could get a chance without paying for something I don't use but need badly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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: NJ

Complaint narrative:
I am writing to dispute several accounts on my credit report that were opened fraudulently in my name. Under 15 U.S.C. 1681c-2, I request the immediate blocking and removal of these fraudulent accounts from my credit report. These accounts were opened without my authorization, and I have never given written permission for them to be reported, as required by 15 U.S.C. 1681 ( a ) ( 2 ).

In accordance with 15 U.S.C. 1681c-2, please block these accounts from my credit report within four business days and provide written confirmation of their removal. Additionally, I have frozen my credit profile to prevent further unauthorized activity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 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: NJ

Complaint narrative:
I am writing to dispute several accounts on my credit report that were opened fraudulently in my name. Under XXXX XXXX. XXXX, I request the immediate blocking and removal of these fraudulent accounts from my credit report. These accounts were opened without my authorization, and I have never given written permission for them to be reported, as required by XXXX XXXX. XXXX ( a ) ( XXXX ). 

In accordance with XXXX XXXX. XXXX, please block these accounts from my credit report within XXXX business days and provide written confirmation of their removal. Additionally, I have frozen my credit profile to prevent further unauthorized activity.

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