vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX  Account # XXXX, 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 a account without my written instructions.

15 USC 1666B : A creditor may n treat a payment on a credit card XXXX account under an open end XXXX consumer credit plan as late for and 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 2024-11-13 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — Used obscene, profane, or other abusive language
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: WI

Complaint narrative:
Received a Letter from XXXX that my balance was Settled in Full, which is false and misleading in violation of 15 U.S.C. 1692e ( 10 ).

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 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
After reviewing my records, I have identified a number of errors, including misspelled or incorrect names, addresses, and other sensitive 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 non-monetary relief
Consumer complaint received 2024-11-13 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: Experian Information Solutions Inc.
State: RI

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach, which has resulted in several fraudulent accounts and inquiries appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the following accounts and inquiries from my credit report as they are not authorized by me : Fraudulent Accounts : XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$17000.00} XXXX. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$9500.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7900.00} XXXX. XXXX OF XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$23000.00} Fraudulent Inquiry : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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:
I am writing to dispute the inaccurate information appearing on my credit report, specifically regarding a closed account with an inaccurately reported balance. According to 15 U.S.C. 1681 ( Fair Credit Reporting Act ), I am entitled to have accurate information reflected on my credit report. Please consider this letter a formal dispute of this inaccurate information. The account in question is listed as XXXX XXXX XXXX. This account was closed ( XX/XX/year> ), and the balance should have been updated to reflect XXXX at that time. However, my credit report reflects an incorrect outstanding balance, which is adversely affecting my credit score and overall credit standing. It also includes misleading and inaccurate information reported between the XXXX credit bureaus. Under the FCRA ( 15 U.S.C. 1681i ), credit reporting agencies are required to conduct a reasonable investigation to ensure the accuracy of reported information. Additionally, under 15 U.S.C. 1681s-2, furnishers of information are obligated to provide accurate data to the credit bureaus and must correct any inaccuracies once they are notified of an error. I am requesting the following : A prompt investigation of this closed account to confirm the accurate balance of {$0.00}. Removal or correction of any inaccurate information regarding the balance on this account. Written confirmation that these changes have been made, or a statement explaining why the reported balance was not updated following the account closure. Please update my credit report to reflect accurate information, and ensure that all credit reporting agencies receive the corrected data. Thank you for your attention to this matter. Please notify me promptly once this dispute has been resolved. I may be reached at ( XXXX ) for any additional information. 
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 non-monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
This company must remove all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : XXXX. A debt collector/buyer must be bonded and licensed by the XXXX XXXX  XXXX XXXX XXXX 
XXXX. The debt must be legally collectible within the states jurisdiction where the creditor resides. 
XXXX. Creditor must be given copies of debt collector/buyer license, bonding number with insurance carrier name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification. 
XXXX. A debt purchase must have an assignment number and be registered with the XXXX XXXX  XXXX XXXX. 
XXXX. Any debt not within these guidelines must be deleted from a consumers credit report with prejudice. 
XXXX. This company has posted XXXX or more out dated collection against my credit report. It looks like the account was over XXXX XXXX XXXX, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: RI

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach, which has resulted in several fraudulent accounts and inquiries appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the following accounts and inquiries from my credit report as they are not authorized by me : Fraudulent Accounts : 1. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} 2. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} 3. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$17000.00} 4. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$9500.00} 5. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7900.00} 6. XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$23000.00} Fraudulent Inquiry : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
By 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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 15 U.S.C 1681s-2 ( A ) ( a ) 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. Delete the accounts below : Creditor Name : XXXX XXXX, Date of inquiry : XX/XX/year>, TransUnion. Creditor Name XXXX XXXX, Date of inquiry : XX/XX/year>, TransUnion. Creditor Name : XXXX, Date of inquiry : XX/XX/year>, TransUnion. Creditor Name : XXXX, Date of inquiry : XX/XX/year>, Transunion. Creditor Name : XXXX XXXX, Date of inquiry : XX/XX/year>, TransUnion. Creditor Name : XXXX  Date of XXXX, TransUnion.

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 2024-11-13 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: RI

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$17000.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$9500.00} XXXX  - XXXX - XX/XX/XXXX - {$16000.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$7900.00} XXXX XXXX  XXXX - XXXX - XX/XX/XXXX - {$23000.00}

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 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your 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 non-monetary relief
Consumer complaint received 2024-11-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/2024 RE : Request to Remove Inaccurate Information under Section 609 of the FCRA Dear XXXX, I am writing to formally dispute the accuracy of certain information on my credit report, as permitted under Section 609 of the Fair Credit Reporting Act ( FCRA ). After a thorough review, I have identified several inaccuracies that require immediate correction and removal.

In accordance with my rights under Section 609, I request the following : Removal of Inaccurate Information I have enclosed a copy of my recent credit report with items highlighted that I believe to be incorrect or unverifiable. I request that these items be deleted or corrected, as they are misleading and damaging. In accordance with FCRA guidelines, if you can not verify the accuracy of these items, please remove them from my report promptly.

Cease and Desist Unauthorized Verification via XXXX. 
I demand that you refrain from using the XXXX system to verify these items. Instead, please contact the original creditors directly to verify the information and provide me with the contact person information in a fair and complete manner. This ensures my right to a thorough and accurate investigation, not reliant on automated systems. 

No Additional Notes or Remarks on My Credit Report. 
Please refrain from adding any notes or remarks to my credit report regarding this dispute or any other comments that may negatively impact my credit score.

Provide an Updated Copy of My Credit Report Once the inaccuracies have been corrected, please send me a new copy of my credit report reflecting these changes. 

Details of Inaccurate Information : XXXX XXXX XXXX, account # XXXX, XXXX XXXX XXXX, account # XXXX, XXXX XXXX XXXX, account # XXXX, XXXX XXXX XXXX, account # XXXX, XXXX XXXX XXXX, account # XXXX Please treat this request with urgency, as the inaccurate information has already caused unnecessary harm to my credit standing. I expect to receive a response within the timeframes set by the FCRA and look forward to the prompt resolution of this matter. 

Thank you for your attention to this important matter. 

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 non-monetary relief
Consumer complaint received 2024-11-13 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/year> RE : Request to Remove Inaccurate Information under Section 609 of the FCRA Dear XXXX, I am writing to formally dispute the accuracy of certain information on my credit report, as permitted under Section 609 of the Fair Credit Reporting Act ( FCRA ). After a thorough review, I have identified several inaccuracies that require immediate correction and removal.

In accordance with my rights under Section 609, I request the following : Removal of Inaccurate Information I have enclosed a copy of my recent credit report with items highlighted that I believe to be incorrect or unverifiable. I request that these items be deleted or corrected, as they are misleading and damaging. In accordance with FCRA guidelines, if you can not verify the accuracy of these items, please remove them from my report promptly. 

Cease and Desist Unauthorized Verification via XXXX. 
I demand that you refrain from using the XXXX system to verify these items. Instead, please contact the original creditors directly to verify the information and provide me with the contact person information in a fair and complete manner. This ensures my right to a thorough and accurate investigation, not reliant on automated systems. 

No Additional Notes or Remarks on My Credit Report. 
Please refrain from adding any notes or remarks to my credit report regarding this dispute or any other comments that may negatively impact my credit score.

Provide an Updated Copy of My Credit Report Once the inaccuracies have been corrected, please send me a new copy of my credit report reflecting these changes. 

Details of Inaccurate Information : XXXX XXXX XXXX, account # XXXX, XXXX XXXX XXXX, account # XXXX, XXXX XXXX XXXX, account # XXXX, XXXX XXXX XXXX, account # XXXX, XXXX XXXX XXXX, account # XXXX Please treat this request with urgency, as the inaccurate information has already caused unnecessary harm to my credit standing. I expect to receive a response within the timeframes set by the FCRA and look forward to the prompt resolution of this matter. 

Thank you for your attention to this important matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: SC

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-11-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Westlake Services, LLC
State: TX

Complaint narrative:
This is to inform you that Ive recently pulled my credit report and noticed that there is a collection from your agency on my credit report. I have never been notified of this collection. However, this letter does not imply that I refuse to pay this debt. Rather, I would like to dispute your claim. 
As per the FDCPA, I have the right to request a validation of this debt. I request you prove that I am indeed the party who is by contract obligated to pay off this debt. 
I hope you are aware that reporting any invalidated information to major credit bureaus may constitute defamation of character, as negative listings on a credit report does not allow me to enjoy the benefits of good credit. In addition, until you validate this debt you can neither continue your collection activities, nor report this information on my credit report. I am sure that your legal staff will agree that non-compliance with this request is likely to put your company in serious legal trouble with the Federal Trade Commission ( FTC ) and other state/federal agencies. 
Please attach copies of the following documents : Agreement with your client that authorizes you to collect on this alleged debt. ( Copy of the Assignment Contract ) Agreement that bears the signature of the alleged debtor wherein he/she promises to pay the creditor. 
Complete payment history ( please include the final payment made on this account ) on this account to prove that the debt amount you wish to collect is correct. 
Have you determined that the debt is within the statute of limitations applicable to it? Please provide the statute of limitation expiration date for this debt.

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 2024-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
According to my consumer law 15 USC 1681 ( E ) B it states that " They must follow reasonable procedures to assure maximum possible accuracy of consumer reports1. " While this company is reporting a current charge off on my credit report, according the irs charge off is a paid of debt that the agency already collected which is now income according to the irs. Income should not be reporting on my credit report. A charge off is taxable income .Not only is the account reporting wrong information I have reached out to the company serval times I have filled identity theft reports also.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: EQUIFAX, INC.
State: NY

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.

These accounts and Inquiries have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( 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 response to consumer: Closed with non-monetary relief