vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-04 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:
To : XXXX XXXX XXXX XXXX : Request for Immediate Removal of XXXX Account Dear XXXX XXXX Department, I am writing to formally notify you regarding the deletion of a XXXX Bank charge off account from my XXXX credit report, which was originally disputed by me. The dispute investigation was concluded on XX/XX/year>, and XXXX has confirmed that the account was completely deleted from my XXXX credit file. 
As a result of this deletion, I believe this account is now considered unverifiable by XXXX, and I am requesting that you promptly remove this account from my credit report as well. I am entitled to accurate and complete information on my credit report, as outlined in the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which mandates that all information reported by a credit reporting agency must be accurate, timely, and verifiable.

Legal Rights : 1. FCRA Section 1681i : Under the FCRA, you are required to ensure that any information you report to credit bureaus is accurate and complete. If an account is found to be unverifiable, as in this case, it must be removed from the credit report.

2. FCRA Section 1681e ( b ) : You must maintain procedures to ensure the accuracy of the information you report. If an item is not verified or is inaccurate, it should be deleted or corrected within 30 days from the time of dispute. 
XXXX. Right to XXXX : If this account is not removed or corrected within 30 days of receipt of this notice, I reserve the right to take legal action under the FCRA, which could include filing a lawsuit for violations related to the failure to remove inaccurate or unverifiable information. This can result in claims for actual damages, punitive damages, and attorney fees. 
I expect that, in light of the XXXX deletion, you will proceed with removing this account from my credit report within 30 days of receiving this letter. Please confirm in writing when the account has been removed or provide any supporting documentation that indicates why the account has not been deleted. 
Failure to comply with the FCRA and resolve this matter in a timely manner will leave me no choice but to pursue further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), and exercising my legal right to seek compensation. 
Thank you for your immediate attention to this matter. I expect a resolution within the legal timeframe, and I will be closely monitoring my credit reports for compliance.

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 2024-12-04 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: VA

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and XXXX asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-12-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Net Pay Advance, Inc.
State: TN

Complaint narrative:
Received the attached notification in the mail claiming I owe money to satisfy a debt for a payday loan I never requested or received. 

When I called NetPay Advance, they refused to tell me anything about the debt unless I provided the last XXXX of my social security number for which I declined to do, since I have never heard of this company and suspect it to be fraudulent in nature. I have also received a pdf from their fraud department via email, for which I refuse to click on to open and complete, because I suspect the document to be malicious or phishing scam. 

I have since filed a police report for identity theft against NetPay Advance with my local police department, and authorized the State or prosecute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: First Credit Corporation
State: TN

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to report a fraudulent loan that was opened in both mine and my husbands names, XXXX and XXXX XXXX, by XXXX XXXX XXXX. The loan was opened on XX/XX/year> for over XXXX, without our consent or knowledge. 

The perpetrator made payments on this loan until XX/XX/year>, at which point the payments ceased. Despite our efforts to resolve the issue, we have been unable to obtain any loan documentation to verify its legitimacy. 

On XXXX separate occasions, my husband contacted XXXX XXXX XXXX and requested that they send us proof of the loan documents. Both times, the company assured us that the documents would be sent via certified mail within XXXX to XXXX business days. However, we have not received any documents on either occasion, and we remain unable to confirm the validity of this loan. 

Additionally, I have reported this fraud to all three credit bureaus for a second time last week in an effort to mitigate any further impact on our credit. 

We are requesting the CFPBs assistance in investigating this matter, ensuring that XXXX XXXX XXXX provides the requested loan documentation, and that this fraudulent account is properly addressed. 

Thank you for your attention to this matter. 

Sincerely, XXXX and XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to address ongoing inaccuracies on my credit report and to notify you that I have maintained a dated and time-stamped paper trail of dispute letters sent to your agency over the past five months. Despite my repeated efforts, the inaccurate information remains unverified and unresolved. 

In my most recent correspondence dated XX/XX/XXXX, I informed you of four disputed accounts with the original creditors, none of which have been verified as legitimate. I am reiterating the specific reasons for disputing each account and demanding their immediate removal under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX XXXX XXXX XXXXXXXX This is not my account. The account 's primary owner is XXXX XXXX, as confirmed in previous investigations. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX The date last active is incorrect. It was last active in XXXX, and the balance is listed as due when there is none. This inaccurate and unverifiable information must be removed immediately. 
XXXX XXXX XXXX XXXXXXXX The original creditor could not locate information on this account, and I have no obligation with the collection agency. This constitutes an FDCPA violation, and it must be deleted without delay. 
XXXX XXXX XXXX - XXXX The date last active and balance reported are both incorrect and unverifiable. 
XXXX XXXX XXXX XXXX XXXXXXXX This account should have been deleted per the original agreement with the creditor. Both XXXX and XXXX have already removed it from my credit report, and I demand you do the same. 
Since I have attempted to resolve this matter amicably without success, I will now be moving forward with litigation to protect my rights.

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 2024-12-04 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: NJ

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).

"

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 2024-12-04 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:
I am writing to inform you that I am a victim of a data breach, and as a result, unauthorized accounts have appeared on my credit report. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following accounts be blocked and deleted from my credit file : Accounts to be Blocked and Deleted : XXXX XXXX XXXXXXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$72.00} XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$160.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 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:
I am writing to inform you that I am a victim of a data breach, and as a result, unauthorized accounts have appeared on my credit report. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following accounts be blocked and deleted from my credit file : Accounts to be Blocked and Deleted : XXXX XXXX XXXXXXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$72.00} XXXX  Account Number : XXXX Date : XX/XX/XXXX Amount : {$160.00}

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 explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
I spoke to Transworld, and they said that the account is still being disputed. They advise sending documents to XXXX. They advised that we send the documents to XXXX directly. The required documents are a Police Report, ID, and proof of address. 

I spoke to XXXX XXXX to dispute the fraud account again ; however, they provided the same info. I asked if we could send an FTC report as an alternative to a police report, but they said they couldn't accept it. I believe that an FTC report is a valid document to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Clarity Debt Resolution, Inc
State: NY

Complaint narrative:
I have been with Clarity debt solution company over three years. I was never told that there was a processing fee for over {$900.00} My credit cards accounts had been charged off by the credit card company and they still tried to negotiate on closed accounts. In addition on XXXX XXXX I call the company to cancel m enrollment with their company effective immediately and that they are not to withdrawal any monies from my account or pay anyone, that I wanted the full refund that I had in escrow. I was told by the company I would get a refund from 7 to 14 days I received an email 14 days that my account was closed on that day not on the day I had advised them to close it. Therefore they kept an additional $ XXXX dollars that was supposed to be refunded to me. This is outrageous that they cheat a XXXX XXXX XXXX woman from their monies

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
DISPUTING INQUIRIES ONLY please delete and remove the following inquiries from my credit prole due to right to privacy PREVIOUSLY DISPUTED INQUIRIES ONLY NO PERSONAL ACCOUNTS SEVERAL TIMES AND THEY REFUSED TO REMOVE THE INQUIRIES. I didn't receive any personal extended credit from the agencies below : XXXX : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX : XXXX ) XXXX XXXX ) XXXX XXXX. TRANSUNION : XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I disputed the credit inquiries by phone and online WITH EACH credit BUREAU BEFORE I led THIS adavit. Credit bureaus have failed to remove the disputed information leaving me no other choice but to XXXX this adavit. The credit consumer agencies HAVE violated my rights BEFORE WITHOUT PROPER OPTIONS I EXHAUSTED ALL MY remedies when disputing incorrect information from the credit prole other than to report to consumer protection agencies. CREDIT AGIENCIES ONLINE DISPUTE PORTALS DO NOT WORK SOME WILL NOT LET YOU EVEN DISPUTE BY PHONE OR ONLINE.

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 2024-12-04 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
I am a victim of Data Breach and Identity Theft. Please, block and delete the account within 4 business days pursuant to FCRA 605B15 U.S.C. 1681c-2.

I am contacting you as a victim of identity theft directly linked to the XXXX data breach, which compromised my personal information and has severely impacted my credit standing. My credit report now reflects multiple fraudulent accounts and unauthorized hard inquiries, leading to a significant decrease in my XXXX credit scores. Please Remove Immediately. 

XXXXXXXX XXXX XXXX Account Bank : USAA Opened : XX/XX/XXXXXXXX XXXX XXXX  Account Bank : USAA Opened : XX/XX/XXXX Personal Credit Account Bank : XXXX XXXX. 
Opened : XX/XX/XXXX Personal Credit Account Bank : XXXX XXXX Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX Opened : 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 2024-12-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-12-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Complete Credit Solutions, Inc.
State: NC

Complaint narrative:
Complete Credit Solutions is reporting a debt for XXXX XXXX XXXX inaccurately. This debt stems from a furniture rental and XXXX refused to come collect the furniture at the termination of the term. When I followed up to ask why they didn't come to collect the furniture I was told " the account manager was no longer working for XXXX ''. I again gave them the location of the furniture and followed up numerous times. XXXX XXXX XXXX never collected the furniture despite my efforts and fullfilling the agreement. I am requesting the immediate removal of the XXXX XXXX XXXX chargeoff and the Complete Credit Solutions Collection from XXXX, XXXX, 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 2024-12-04 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: MD

Complaint narrative:
To Whom It May Concern : ON THE POLICE XXXX ATTACHED TO MY CASE, THE OFFICER CLEARLY STATES THATN INST H XXXX XXXX IS A FRAUD ACCOUNT IF YOU READ THE DOCUMENTATION ON POLICE REPORT! PLEASE AND FOR THE FINAL LAST TIME DELETE & BLOCK THIS ACCOUNT : XXXX XXXX XXXX XXXX XXXXXXXX. THIS ACCOUNT WAS ALREADY DELETED LAST MONTH OF XX/XX/XXXX BY TRANSUNION, THEN TRANSUNION LET THIS COMPANY REPORT ON MY CREDIT REPORT AGAIN XX/XX/XXXX WHICH IS ILLEGAL! AND MY RIGHTS HAVE BEEN VIOLATED!. AND DEFAMATION OF CHARACTER!. PLEASE STOP ALLOWING THIS FRAUDULENT IDENTITY THEFT ACCOUNT/COMPANY TO STOP REPORTING ON MY CREDIT REPORT. THIS ACCOUNT IS NOT ALLOWED TO REPORT ANYMORE, AND IS NOT MY ACCOUNT. 
THIS IS MY FINAL LETTER CONCERNING THIS ( FRAUD ACCOUNT ) BECAUSE OF IDENTITY THEFT, XXXX XXXX XXXX XXXX XXXXXXXX. *.I DEMAND THIS ACCOUNT BECOME DELETED OFF MY CREDIT REPORT! * Please remove this fraudulent item for the final time because of identity theft.. I'm demanding that this fraudulent account be removed blocked and deleted the final time permantly never to return or I will be forced to sue in the court of law!. 

THIS ACCOUNT LISTED BELOW IS NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND FTC.GOV. 
THE POLICE REPORT # : XXXX I DEMAND THIS ACCOUNT LISTED BELOW TO BE DELETED/REMOVED OFF MY CREDIT REPORT IMMEDIATELY! .does not belong to me. Delete & BLock immediately! 




Collection Account XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX delete it from my credit report. 
Date Opened : XXXX XXXX  XXXX Thank you for your time and help in this matter. Sincerely, 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 2024-12-04 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: GA

Complaint narrative:
Violation of 15 USC 168152 Inaccurate Credit Reporting Must Be Immediately Removed 15 U.S.C. 1692c Fair Debt Collection Practices Act ( FDCPA ) states that debt collectors can not communicate with consumers without consumer consent.

Credit Reporting Act 611 ( a ) [ 15 USC 1681 ( a ) Which requires, during the investigation period, disputed information must be removed from credit report. The mere reporting of items constitutes collection activity.

Account activity dates are incorrect. 

Account Is Reported Closed, XXXX. Balance reported is incorrect. 

Account was charged off & closed in XXXX. 

Account Secured debt was liquidated via investment holding holding & any other balance was charged off via tax credit in XXXX for tax year ending in XXXX. 

Everyday that this account remains, it is a violation, pursuant to FCRA non compliance and/or incorrect reporting of a fraudulent attempt to collect a debt for which has been paid via secured investment account liquidation & charge off as reported to the IRS. 
The liability for willful noncompliance include : * Actual damages sustained by the consumer * Punitive damages as the court may allow * Costs of the action, including reasonable attorney 's fees * Statutory damages of {$100.00} {$1000.00} per violation. 

The FCRA provides a private right of action against users of consumer reports, including potential employers. 

The law states that anyone who intentionally fails to comply with a requirement under the subchapter in relation to a consumer is liable to that consumer.

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