vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
My data was breached this account is a result of identity theft under FCRA 15USC 1681 I demand that this account be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: OR

Complaint narrative:
company is trying to collect a debt for a bill i was never notified of that was a medical bill covered by insurance my insurance didnt pay for for some reason i was never sent anything or called untill after it was delinquent and as it is the only item on my report it has completely ruined my credit and i cant get a car or an apartment or a card or a loan and its turned my life upside down

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-01-10 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:
Unauthorized Fraudulent Inquiries This notice is to inform you that you unlawfully reported fraudulent INQUIRIES that arose from IDENTITY THEPT that you did not varify as required by law on my consumer report.

1S USC 51681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries ; Except as provided in section 1681g/a/5 ) of this title, a consumer reporting agency shali not furnish to any person a record of inquines in connection with a credit or insurance transaction that is not initiated by a consumer. 

The Following Inquires are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Midland credit management have excessily called and threatened to sue for debt. Never showed up to court to case was dismissed so debt is now invalid. It is still showing up on my credit report. I would like this removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: CCS Financial Services, Inc.
State: CA

Complaint narrative:
Credit Control Inc. Dear Sir/Madam, I am writing to formally demand that you cease and desist all communication with me regarding the alleged debt in according with the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692c ( c ). Please note that any further contact from your agency, except for the purpose expressly allowed by the law ( such as notification of legal action or final settlement ), will be considered a violation of the federal law, and I will take all necessary legal action to protect my

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Gurstel Law Firm, P.C.
State: NV

Complaint narrative:
I am filing a complaint against Gurstel Law Firm regarding a debt they are attempting to collect. I previously settled one debt with them after their refusal until your involvement, and now they are pursuing another debt with threats of garnishment. They sent me a letter via Constable 's Office XXXX XXXX, case # XXXX ( debt amount {$7800.00} yet {$8000.00} is the judgement as entered ). 

I am currently XXXX XXXX XXXX XXXXXXXX, was in a recent XXXX XXXX ( not at fault ) resulting in XXXX XXXX, and XXXX XXXX XXXX XXXX ( I can show proof of the XXXX  XXXX  and XXXX  XXXX XXXX  XXXX ). I am not working and have no consistent income at this time. Gurstels letter clearly states their intent to garnish my bank account, which is causing further distress. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that Gurstel Law Firm stop harassing me and that they work with me on a payment plan. I can only afford $ XXXX  monthly until my financial situation improves. 

Please ensure they comply with FDCPA protections and communicate with me respectfully moving forward. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Consumer Financial Services Solutions, Inc.
State: FL

Complaint narrative:
The company is XXXX. I provided each of my credit accounts and was promised negotiations would be made with each of the creditors in XXXX Only XXXX account has been negotiated in the last year and a XXXX. There has been no communication with the company other than me reaching out. Each time I have reached out I am given excuses as to why no updates or progress has been made in the last year.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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:
Requested detail billing from XXXX XXXX ( debt collector ) in reference to creditor ( XXXX XXXX XXXX ) I maid 2 payments on a {$650.00} XXXX  bill. One payment was for {$100.00} on XX/XX/XXXX XXXX and another payment if {$75.00} on XX/XX/XXXX. The {$650.00} balance was reported to Experian excluding my {$100.00} payment. I emailed proof of payment to XXXX XXXX and finally after 3 months was given the {$100.00} credit, but they reported the {$550.00} to Experian without my {$75.00} payment credit. I've been disputing with Experian since XXXX and all I get as a result is '' information accurate. '' I've even uploaded my payments to Experian and still nothing. Experian NEVER truly contacted the creditor nor debt collector because I asked.

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 2025-01-10 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: AZ

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: AZ

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

Company 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 2025-01-10 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: LA

Complaint narrative:
Consumer Name ; XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing 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 of a credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, a loan account opened at XXXX on XX/XX/XXXX under the account number XXXX, an account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a collection account opened at XXXX, XXXX on XX/XX/XXXX under the account XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: CT

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

Company 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 2025-01-10 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: FL

Complaint narrative:
Transunion will not remove my inquiries that were opened with fraud. XXXX and XXXX removed them all already. Transunion refused

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 2025-01-13 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: AL

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

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

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

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

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 2025-01-13 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: MD

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report, which remain unresolved despite repeated attempts over the past XXXX years. These inaccuracies, which include accounts from XXXX XXXX ( Account # XXXX ... ), XXXX ( Account # XXXX ... ), XXXX XXXX XXXX  ( Account # XXXX ... ), XXXX XXXX XXXX  ( Account # XXXX ... ), and XXXX  XXXX ( Account # XXXX ... ), were previously corrected by XXXX over XXXX years ago, but XXXX has failed to update my file accordingly. XXXX 's refusal to conduct a proper investigation and provide verifiable proof of these accounts violates my rights under the Fair Credit Reporting Act ( 15 U.S. Code 1681s2, 1681n, and 1681o ). The continued reporting of these inaccuracies has caused significant financial harm, including repeated credit denials, emotional distress, and reputational damage. I request immediate removal of these errors and demand verifiable proof ( an original Consumer Contract with my Signature on it ) of all disputed accounts. I sincerely urge you to give this matter your utmost attention and take swift action. Thank you in advance for your understanding and assistance.

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 2025-01-13 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report, which remain unresolved despite repeated attempts over the past XXXX years. These inaccuracies, which include accounts from XXXX XXXX ( Account # XXXX ... ), XXXX ( Account # XXXX ... ), XXXX XXXXXXXX XXXX ( Account # XXXX ... ), XXXX XXXX XXXX  ( Account # XXXX ... ), and XXXX XXXXXXXX ( Account # XXXX ... ), were previously corrected by Equifax over XXXX years ago, but XXXX has failed to update my file accordingly. XXXX 's refusal to conduct a proper investigation and provide verifiable proof of these accounts violates my rights under the Fair Credit Reporting Act ( 15 U.S. Code 1681s2, 1681n, and 1681o ). The continued reporting of these inaccuracies has caused significant financial harm, including repeated credit denials, emotional distress, and reputational damage. I request immediate removal of these errors and demand verifiable proof ( an original Consumer Contract with my Signature on it ) of all disputed accounts. I sincerely urge you to give this matter your utmost attention and take swift action. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
XXXX ) From XXXX, I tried to withdraw the money ( {$25000.00} ) from XXXX account to my XXXX account which the fund is from. I did withdraw back {$24000.00} ( which is minus {$5.00} from XXXX ) JUST FINE. The thing is I didn't want it to be transferred two times but it did and I don't trust it any more. So I wanted to transfer back another {$25000.00} back to my account but it is restricted. THE PROBLEM IS CHASE ACCOUNT IS UNDER MY HUSBAND 'S NAME ONLY. When you transfer money from it, you didn't ask it should be under MY name. And now you're restricting me to transfer back? It asked my ID and the selfie several times as a process and it didn't allow me to withdraw the money back. XXXX ) I inquired XXXX customer service but couldn't pick up the phone from them on XXXX Anyhow after I sent another ID and the selfie and tried to withdraw a few times, my account is restricted. XXXX ) Because of the restriction, I have requested a call from XXXX XXXX. Finally, on XX/XX/scrub>XXXX, I got the call from XXXX and they said my information is different and I need to send my ID and the selfie and then they will help let me know what to do next. After I did all that and called them, it says the case is closed. What the XXXX?? XXXX ) IF IT IS BECAUSE THE ACCOUNT IS UNDER MY HUSBAND 'S NAME ONLY, I CAN PROVIDE OTHER ACCOUNT INFORMATION THAT IS UNDER MY NAME. PLEASE RECTIFY THIS ASAP. I'M IN NEED OF MONEY BECAUSE OF THE RECENT FIRE SITUATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: NC

Complaint narrative:
My information was exposed in XXXX data breach. Theres an account from Helvey & Associates that does not belong to me on my credit report. I contacted them several times & they did not remove.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation