vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-04 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: CO

Complaint narrative:
Date Opened : XX/XX/year> Status Updated : XX/XX/year> Balance : {$5500.00} Due to a loss of employment, I received state assistance from the Colorado Department of Human Services to terminate my lease without penalty. However, the apartment complex withheld my security deposit totaling {$1200.00} and stated I owed an additional $ XXXX for cleaning costs. I requested a detailed breakdown of these charges, as I am familiar with standard move-out costs in the leasing industry. I can confirm that my unit was left in excellent condition, with only minor wall holes from picture frames and a TV mount. The complex did not provide a response with any explanation or itemization. 

Furthermore, although state assistance of over {$5000.00} was issued to the apartment complex on my behalf, it appears that none of this amount was applied to the final move-out balance. While the state informed me that any non-rent-related charges would be my responsibility, I was alarmed that move-out and cleaning costs were calculated at an excessive almost {$1700.00}. Neither my caseworker nor I received any further clarification from the complex, and the matter was subsequently forwarded to collections without proper resolution. 

Once assigned to ProCollect, I received no written notification of the debt, nor was I afforded the opportunity to request verification of the debt as required under Colorado tenant laws and the Fair Debt Collection Practices Act ( FDCPA ). Despite multiple dispute attempts, ProCollect has not acknowledged or validated my requests. This unresolved and unsubstantiated debt is now adversely impacting my ability to secure safe and stable housing. 

I respectfully request immediate action to resolve this matter. Given the lack of documentation, communication, and adherence to required legal procedures, I assert that this debt is not valid and ask that ProCollect cease reporting it until it has been properly validated. Thank you for your prompt attention to 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 explanation
Consumer complaint received 2024-11-04 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: CT

Complaint narrative:
This account was paid successfully and they have not updated it on my credit 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 explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These fraudulent accounts linked to identity theft must be blocked and removed from my consumer report immediately. I never provided written authorization or a wet signature for their inclusion. This follows my previous communication about this matter. 

The presence of these unauthorized accounts has severely impacted my financial wellbeing, preventing important life goals like home ownership and providing for my family. As legal verification of my identity, I have included copies of my social security card and driver 's license.

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 2024-11-04 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: FL

Complaint narrative:
I submitted a complaint to the Bureaus a month ago, but sadly, the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they have properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is extremely frustrating! Over 30 days have passed since I filed my complaint, and the disputed accounts remain unchanged. If this persists, I may have to consider legal action due to the significant stress it has caused me. Additionally, I'm worried about the security of my personal information, especially after the data breach involving Equifax, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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: FL

Complaint narrative:
I submitted a complaint to the Bureaus a month ago, but sadly, the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they have properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is extremely frustrating! Over 30 days have passed since I filed my complaint, and the disputed accounts remain unchanged. If this persists, I may have to consider legal action due to the significant stress it has caused me. Additionally, I'm worried about the security of my personal information, especially after the data breach involving XXXX, Experian, and 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 2024-11-04 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: MA

Complaint narrative:
I PULLED MY TRANSUNION CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE. 



In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2024-11-04 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:
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 1692c ( c ) Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. All of these accounts has violated my rights. Section 1692c ( c ) states that a debt collector must stop contacting the consumer if the consumer askes them in writing to cease all contact. If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication.

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 2024-11-04 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: TX

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 1692c ( c ) Account : XXXX XXXX XXXX XXXX XXXXXXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX, Account Name : XXXX Acct XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX NY XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX  XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. All of these accounts has violated my rights. Section 1692c ( c ) states that a debt collector must stop contacting the consumer if the consumer askes them in writing to cease all contact. If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 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:
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 1692c ( c ) Account : XXXX XXXX  Acct # XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX, Account Name : XXXX Acct XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX NY XXXX XXXX Account Name : XXXX XXXX XXXX  Acct XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. All of these accounts has violated my rights. Section 1692c ( c ) states that a debt collector must stop contacting the consumer if the consumer askes them in writing to cease all contact. If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication.

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 2024-11-04 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: FL

Complaint narrative:
The accounts listed on my credit report are inaccurately classified, with statuses that do not reflect their true standing. Some accounts are showing as delinquent or in collections despite being resolved or paid in full. This misrepresentation is affecting my creditworthiness, and I request a review and correction by removing these entries.

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 2024-11-04 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: AR

Complaint narrative:
I recently looked at my credit report and noticed some fraud accounts listed on my reports.

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 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Dear CFPB Team, I am submitting a formal complaint regarding inaccuracies in my credit report with Equifax that significantly impact the security of my identity. My credit report contains incorrect names and outdated addresses, which do not belong to me and which I have repeatedly requested to be removed. This information is not only inaccurate but also violates the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies maintain accurate and verified information in consumer reports. 
These inaccuracies, if not corrected, put me at risk for identity theft and misuse of my personal data, as they provide unauthorized and misleading information about my identity. Furthermore, I request the removal of any previous addresses and names from my credit file, even if they are linked to a credit account, as required by law. 
My correct information is as follows : Full name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX Last 4 digits of SSN : XXXX I demand that the CFPB investigate why Equifax has failed to correct these details and ensure Equifaxs compliance with the FCRA. This includes promptly removing any unauthorized names and previous addresses from my report. Such outdated and incorrect information has no place in my credit history and directly impacts my financial and personal security. 
Thank you for your attention to this matter and for helping ensure that Equifax maintains only accurate information that correctly reflects my identity. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I tried to contact Chase XXXX credit card company to redeem the rewards from my two credit cards. I tried twice and was routed to their rewards department and put on hold for XXXX and XXXX minutes. I tried a third time and was put in contact with the department. When I told their rep what I wanted she hung up and there was no effort on their part to contact me. 

A secondary problem is Chase has changed their customer service number ( XXXX ) so that it is impossible to get a person to speak to. It is designed to get payments with no personal contacts. I did get another number online, and was able to reach a person who hung up on me. I believe their motivation is they recently routed their personal contact numbers to a third world company and do not want anything but payment routed to them because they have not been instructed how to solve problems. 

Please help me get my rewards.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. under the fair debt collection practices act ( FDCPA ), i have rights to request validation of the debt you say i owe you. i am reguesting proof that i am indeed the party you are, asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. this is not a request for " verification '' or proof of my mailing address, but a request for validation made pursuant to 15 USC 1692g sec. 809 ( b ) of the FDCPA i respectfully request that your offices provide me with competent evidence that i have any legal obligation to pay you. at this time i will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus, this action might constitute fraud under federal and state laws due to this fact, if any negative marks is found or continues to report on any of my credit reports by your company or the company you represent, i will not hesitate in bringing legal action against you and your client for the following ; violation of the fair debt collection practices Act and defamation of character. i am sure your legal staff will agree that non - compliance with this request could put your company in serious legal trouble

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I have good standing credit and pay all my bills on time, however, this company changed my billing statement at some point from paper to paperless. I did not request or consent to this change nor was I made aware of the change. At some point there was a bill that came due after a reoccurring annual charge that I was not made aware of until my credit was negatively hit XX/XX/XXXX. Once I was made aware of the issue I pulled up my account and saw I had already been charged 2 late fees and was set up as paperless billing. I immediately requested to be changed back to paper bill through my account online and waited to Call during business hours today XX/XX/XXXX to request the late fees and negative credit hit to be removed. The rep stated she can not help me with the credit request and can only waive one of the late fees. She did remove the one of the {$40.00} late fees and I paid the balance left. I went back into my emails and not once was I notified of a delinquent balance being owed either in email or by mail. I received no phone calls from this company either. They show my last payment was in XX/XX/XXXX when I paid off the balance. At some point between then and XXXX I was changed to paperless without my knowledge. This practice by companies to change to paperless billing without authorization needs to stop. It is messing with peoples ' finances and credit scores.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 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: CA

Complaint narrative:
The existence of these unauthorized accounts and inquiries has caused me significant XXXX  regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX - XXXX - {$4900.00} XXXX XXXX  - XXXX - {$4200.00} XXXX XXXX  - XXXX - {$6000.00} XXXXXXXX XXXX XXXX XXXXXXXX - {$2900.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Current Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address XXXX XXXX ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX Current XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear Experian, I am writing to formally dispute an incorrect address that appears on my Experian credit report. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I request that you remove the following incorrect address from my file as it is not associated with me and may lead to potential confusion or misrepresentation of my credit information. 
Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX CA XXXX Please note that I have not resided at or used the above address in any capacity, and I am concerned that its presence on my report may affect the accuracy of my credit file. 

As required by the FCRA, credit reporting agencies are obligated to ensure that only accurate information appears on consumers ' credit reports, and I respectfully request an investigation into this matter. 

Please complete the necessary investigation and provide written confirmation that the incorrect address has been removed. I trust that you will treat this request with urgency to ensure the accuracy of my credit file. 

Thank you for your attention to this matter. I look forward to a prompt response confirming the removal of the erroneous information from my report. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation