vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-28 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: IL

Complaint narrative:
I am seeking your help to address the incorrect account listed on my credit report. This issue has negatively impacted my reputation, and I require your support. Due to your errors in handling my credit report, my reputation has been severely harmed. It is crucial that you remove these inaccuracies so I can live normally with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: CA

Complaint narrative:
Credit Control , LLC XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MO XXXX XXXX Reference # ; XXXX XXXX XXXX XXXX, XXXX Acct number ending XXXX As of XX/XX/year> owed {$740.00} Asking me to pay 1 time {$330.00} to resolve the " DEBT '' Wants me to make check payable to Credit Control , LLC Include reference number 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 2024-08-28 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:
My credit report contains multiple violations of the Fair Credit Reporting Act ( FCRA ), which is a federal law regulating the collection, dissemination, and use of consumer credit information. The FCRA mandates that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure the information in their credit reports is 100 % accurate. When CRAs fail to do this, and a consumer suffers damages, the consumer is entitled to bring a private lawsuit against the CRA to recover actual damages, statutory damages, and attorney 's fees. 

I have documented all the dispute letters Ive sent to your company since XX/XX/year>, and can provide evidence of your negligence and the resulting statutory damages in court. The accounts listed in my letter are inaccurate, and I demand their immediate removal from my credit report : 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 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I requested back in XXXX for TransUnion & XXXX to remove inaccurate information from my credit report. The account in question is XXXX XXXX  account # XXXX truncated on my credit report is a reporting violation. TransUnion & XXXX is reporting the last date of last activity inaccurately. TransUnion is reporting the date of last activity as XX/XX/XXXX, whereas XXXX is reporting the date of last activity as XX/XX/XXXX. These inconsistencies can constitute re-aging accounts.

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 2024-08-28 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: AL

Complaint narrative:
I would like to dispute inaccurate and harmful information on my credit report that is negatively impacting my FICO score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
I need to unfreeze my credit report to apply for a loan ( or credit card ). The lender requires access to my credit report to process my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated 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 2024-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
My name is XXXX XXXX. I have previously had an account with huntington bank prior to moving across the state. I work XXXX hour days in XXXX XXXX and found out earlier this summer I would be XXXX back near XXXX XXXX. While preparing to make the XXXX hour move I opened a Huntington account up and had a few deposits posted. I used my huntington debit card # XXXX once during this time at XXXX XXXX since I still had my primary account opened elsewhere. My wallet and phone fell out of my pocket at this time in the parking lot and was picked up the next day after calling around the area. I opened my wallet and after a quick glance everything appeared there. I set up my direct deposit for my account and all was good to go. While changing my address in the app I found out my balance was negative. I had a few deposits in the account so this was alarming. I reached our to customer service after seeing transactions that I did not make. Customer service filed a dispute for me and said I would receive credit that business day. My huntington debit card, credit card from another bank, and ssn card were taken from my wallet while it had been lost. The next day I checked my account and there were not any credits. I couldn't log in. Customer service said my account is pending closure but I might get my money back if ruled in my favor. This is wrong!!! I work XXXX hour shifts XXXX days a week in XXXX XXXX to get the run around from this bank! I was previously a huntington customer, what a great welcome back! I have no issue taking this up with an attorney. An ftc identity theft afidavit and fraud block has been put on my credit reports as well with this mess. Huntington needs to refund me the unauthorized transactions immediately. This is ludacris.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
I have no business with this company and I have disputed their debt multiple times and have had the dispute remove the debt on some credit reports because I have no business with them. They never contacted me nor tried to offer any options nor disclosed my right to dispute. Also they have been reporting this for over 7 years and refuse to remove it after 7 years. They just renew it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: AZ

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: MOHELA
State: NJ

Complaint narrative:
I was made aware this morning that XXXX accounts were open in my name through MOHELA. These accounts stated that loans were taken out in my name in XXXX, XXXX, XXXX, and XXXX, totaling to a charge of over $ XXXX. When I tried to contact MOHELA about these charges, I was notified that there was no account with my information on their records. I have never opened a loan through MOHELA, nor have I ever received money from MOHELA for my education.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: OH

Complaint narrative:
I need your help to address the incorrect account appearing on my credit report. This has been detrimental to my reputation, and I need your intervention. The mishandling of my credit report has left me in a difficult situation, and your inaccurate reporting has caused significant harm. You must remove these errors so I can live a normal life with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I'm writing to communicate my anxiety in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every XXXX of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: DC

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living 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 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.

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 2024-08-28 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im 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 2024-08-28 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: I.C. System, Inc.
State: TX

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint against I C SYSTEM agency for their violation of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ). 

I C SYSTEM agency has not provided me with the required validation information as outlined in 12 CFR 1006.34 ( b ) ( 5 ). Despite this, they have placed a collection on my consumer report without giving me the opportunity to dispute the account, as required by 12 CFR 1006.34 ( c ) ( 4 ) ( I ). 

Furthermore, I C SYSTEM agency has engaged in false, misleading, and deceptive practices. They have no authority to furnish any account to a consumer reporting agency without providing all necessary disclosures required by law, violating 12 CFR 1006.344 ( d ) and 15 USC 1681-s 2 ( 7 ) ( A ).

I am disputing any and all debts owed to I C SYSTEM agency and revoking their right to communicate with me via email, text, or phone calls. I am requesting the following : Debt Validation and Verification : Please provide proof that I owe the debt in question.

Purchase Agreement : Please furnish a copy of the purchase agreement between I C SYSTEM agency and the original creditor. 
Licensing and Bonding : Please provide proof that I C SYSTEM agency is licensed and bonded to operate as a debt collection agency. 
My name is XXXX XXXX, and my contact information is as follows : Address : XXXX XXXX XXXX, XXXX, TX XXXX Phone Number : XXXX Account Number : XXXX I believe I C SYSTEM agency 's actions have violated my consumer rights and I am seeking relief from these violations. Thank you for your prompt attention to this 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 explanation
Consumer complaint received 2024-08-28 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: DC

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 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

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 2024-08-28 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:
According to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) A ), You are required by federal law to verify- through the physical verification of the original signed consumer contract- all accounts you post on the credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( An original consumer contract with my wet signature on it ) you Have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my Ability to obtain credit under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts to be verified or remove Immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company

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 2024-08-28 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: MA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-08-28 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: EQUIFAX, INC.
State: OH

Complaint narrative:
This inquiry was not authorized by me, and I did not communicate with this lender on the specified date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
Hello, I recently received a letter from the district court of XXXX XXXX Arkansas XXXX XXXX  as of XX/XX/year> The plaintiff is Portfolio Recovery Associates and I do not know as to what is going on and why they are suing me. This is very stressful for me and my family being that my son is going through XXXX and this agency is suing me for what? 

I have had previous bad involvement with this agency with harassing mail and violating my rights as a consumer. I need your assistance finding out why they continually harass me over ancient debt. This is causing me to have XXXX XXXX and I need to stay as healthy as possible to care for my XXXX children especially my son who is dealing with his XXXX battle. I wish they would LEAVE me alone please!!! I just received this letter and have not responded to this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
I did not apply for this loan. Some one frequently open this loan in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: GA

Complaint narrative:
I have made multiple efforts to request validation documentation regarding a debt listed on my credit report. I have requested the name and address of the original creditor ; the amount of the alleged debt, an itemized list of charges that resulted in the alleged balance ; the last billing statement from the original creditor ; the purchase agreement associated with the alleged debt ; validation of the statute of limitations ; and authorization to collect the debt. I have received none of the requested information to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: KS

Complaint narrative:
Called the company several times on there recorded line company said they removed the information it's still showing on credit 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