vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-28 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 am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX OF XXXX / XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-28 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-10-29 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified this items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CL Holdings LLC
State: CA

Complaint narrative:
Heres a draft for XXXX XXXX XXXX XXXX 's CFPB complaint regarding Jefferson Capital Systems : -- - **Complaint Details : ** **To Whom It May Concern at the CFPB, ** I am filing a complaint regarding Jefferson Capital Systems due to their failure to validate a debt they reported on my credit report. This collection, listed as a derogatory account with a balance of {$790.00}, has negatively impacted my credit. 

Account Information : Creditor : Jefferson Capital Systems Account Number : XXXX Balance Owed : {$790.00} Summary of Issue : On XX/XX/year>, I sent a formal debt validation request to Jefferson Capital Systems XXXX asking for proof of my liability for this account. To date, the company has not responded or provided the requested documentation. Additionally, in reviewing my records, I have no history of any business relationship or transaction with Jefferson Capital Systems and am therefore not liable for this debt. 

Thank You XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I purchased an approximately {$700.00} bed frame from XXXX on XX/XX/year>. On XX/XX/year> I received it, but it was missing several key pieces needed to complete the assembly and was non functional. I attempted to work with XXXX for about two weeks to get a refund, return, or the missing pieces but XXXX refused. As such, I disposed of the bedframe and opened a dispute through mastercard. I was never told that I would need to keep the merchandise. 

XXXX only reached out to me once they received notification of the dispute in late XXXX, several months after the purchase. They did offer a return at this time, but again this was months later and I no longer had the bed frame. Mastercard never told me I would need to keep it and I can not reasonably be expected to keep a broken kingsized bedframe around for 3+ months after the merchant refused a return. 

Mastercard has not reversed the charge despite me receiving nonfunctional merchandise and the merchant not fixing it.

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 2024-10-29 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc.
State: NJ

Complaint narrative:
There isn't any information as far I did put in for a dispute because I want these accounts deleted from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
This is what they are saying I owe but I don't have account numbers. I would like them taken off my credit report according to The Fair Debt Collection Practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
After going over my credit report, I discovered multiple accounts that I suspect were added without my consent and are incorrect. I request immediate action to block and remove these fraudulent 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 non-monetary relief
Consumer complaint received 2024-10-29 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: NJ

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX  XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from XXXX. 

Please delete the following accounts : Please delete the following accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: IN

Complaint narrative:
XXXX credit reporting agency has been violating my privacy on my consumer report by violating Fair Credit Reporting Act 15 US Code1681c-Exclusions of Credit. XXXX XXXX XXXX XXXX XXXX XXXX  notified me that they don't report information to credit bureaus. Why is right to privacy being violated? This reporting on my consumer report is in violation of15 US Code1681a ( 4 ). this Bankruptcy XXXX XXXX should not be on my consumer report. I demand you remove this from my consumer report as this has damaged my reputation and character for 9 years. In addition to removal i am seeking damages for all the years ( 9 ) that I have been damaged. I am seeking a sum of {$22000.00}, XXXX for each year my reputation, character and violation of my right to privacy. also 15 US code 1681b-Permiisible Purposes of consumer reports has been violated. Please rectify damages

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 2024-10-29 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: IN

Complaint narrative:
XXXX credit reporting agency has been violating my privacy on my consumer report by violating Fair Credit Reporting Act 15 US Code1681c-Exclusions of Credit. XXXX XXXX XXXX XXXX XXXX XXXX  notified me that they don't report information to credit bureaus. Why is right to privacy being violated? This reporting on my consumer report is in violation of15 US Code1681a ( 4 ). this Bankruptcy XXXX XXXX should not be on my consumer report. I demand you remove this from my consumer report as this has damaged my reputation and character for 9 years. In addition to removal i am seeking damages for all the years ( 9 ) that I have been damaged. I am seeking a sum of {$22000.00}, XXXX for each year my reputation, character and violation of my right to privacy. also 15 US code 1681b-Permiisible Purposes of consumer reports has been violated. Please rectify damages

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: AL

Complaint narrative:
Subject : Formal Demand for Removal of Fraudulent Credit Information To Whom It May Concern, I am writing to demand immediate action regarding fraudulent entries on my credit report. My personal information was illegally compromised on the dark web, leading to unauthorized transactions and the creation of accounts without my consent.

Pursuant to 12 C.F.R. 1022.142, I am entitled to have these illegitimate entries removed from my credit history. Enclosed, you will find supporting documentation that underscores the urgency and legitimacy of my request. 

The following entries are fraudulent and must be expunged from my credit report : XXXX. XXXX  Date of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX of inquiry : XX/XX/XXXX XXXX. XXXX FA Date of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX DC XXXX of inquiry : XX/XX/XXXX XXXX. XXXX FA Date of inquiry : XX/XX/XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXXXXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX  Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX The presence of these inaccuracies has caused significant distress and potential harm to my creditworthiness. I expect prompt attention to this matter and the removal of these entries within the legally mandated timeframe. 

Failure to address this issue satisfactorily will compel me to explore all available legal remedies to ensure the protection of my rights. 

I anticipate your immediate cooperation and confirmation of the removal of these fraudulent entries. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 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: AL

Complaint narrative:
Subject : Formal Demand for Removal of Fraudulent Credit Information To Whom It May Concern, I am writing to demand immediate action regarding fraudulent entries on my credit report. My personal information was illegally compromised on the dark web, leading to unauthorized transactions and the creation of accounts without my consent.

Pursuant to 12 C.F.R. 1022.142, I am entitled to have these illegitimate entries removed from my credit history. Enclosed, you will find supporting documentation that underscores the urgency and legitimacy of my request. 

The following entries are fraudulent and must be expunged from my credit report : 1. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX of inquiry : XX/XX/XXXX XXXX. XXXX FA Date of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX of inquiry : XX/XX/XXXX XXXX. XXXX FA Date of inquiry : XX/XX/XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXXXXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX  Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX  Account Number : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX The presence of these inaccuracies has caused significant distress and potential harm to my creditworthiness. I expect prompt attention to this matter and the removal of these entries within the legally mandated timeframe. 

Failure to address this issue satisfactorily will compel me to explore all available legal remedies to ensure the protection of my rights. 

I anticipate your immediate cooperation and confirmation of the removal of these fraudulent entries. 

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
Consumer complaint received 2024-10-29 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:
I am writing to formally request that you block and delete the accounts listed below, as I am a victim of a recent data breach. This request is made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), which protect consumers in cases of identity theft and unauthorized use of their personal information. 
Accounts : 1. XXXXXXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$6100.00} 2. XXXXXXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$1900.00} 3. XXXXXXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$6000.00}

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 2024-10-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: USCB Corporation
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX XXXX XXXX XX/XX/year> USCB Corporation XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Debt Validation and Assignment Contract Chain Dear USCB Corporation : I am writing to request validation of the debt referenced in your my credit report, in accordance with the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692g. Please provide the following information : 1. **Verification of the Debt** : Please provide documentation that verifies the amount of the debt you claim I owe, including an itemized statement of the account. 
2. **Original Creditor Information** : Please provide the name and address of the original creditor.

3. **Assignment Contract Chain** : I request a complete chain of assignment for this debt, including all contracts and agreements that transfer ownership of the debt from the original creditor to your agency. This should include any relevant documentation that shows your legal right to collect this debt. 
4. **Proof of Licensing** : Please provide evidence that you are licensed to collect debts in my state. 
In accordance with the FDCPA, I expect to receive this information within 30 days of your receipt of this letter. Until you provide the requested validation, please cease all collection activities related to this debt. 
Please send me a corrected updated credit report. 
Thank you for your attention to this matter. I look forward to your prompt response. 
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