vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: GA

Complaint narrative:
I recieved a call from ProCollect about a {$12000.00} debt. They are saying that its to an apartment in XXXX called XXXX  XXXX. I have never lived there. I submitted my identity theft report as well as my police report. They were saying that the debt is verified because the signatures on the lease agreement match my drivers license, which it does not. There are multiple signatures that are different on the lease agreement. Once I stated that, they then changed it to say that the email address on the lease agreement matches the email address on the lease agreement. But this could have been a forgery because it was not a written email. It was typed. I have carefully reviewed the documents provided, and I maintain that the alleged signature and authorization are not mine. The signature remains inconsistent with my verified signature, as demonstrated previously. Additionally, while my email address may appear on the document, this does not prove my consent or authorization. I request further verifiable evidence, such as metadata, IP logs, or additional confirmation records, to demonstrate my direct involvement. Without such proof, this debt remains invalid.

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 2024-12-19 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:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX  -- {$1800.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX # XXXX XX/XX/XXXX XXXX {$88.00} XXXX XXXX XXXX XX/XX/XXXX -- {$3600.00} XXXX XXXX XXXX XXXX XXXX XXXX {$3600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: AZ

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 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: AZ

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2024-12-19 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: TX

Complaint narrative:
XXXX XXXX XXXX, Texas XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX, PA XXXX XXXX, GA XXXX XXXX XXXX XXXX Subject : Request for Removal of Inaccurate Charge-off Information Dear XXXX, I am writing to formally dispute the accuracy of certain information in my credit file, as permitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ), I have the right to dispute inaccurate information, and the credit bureau must investigate my claim within 30 days. If the charge-offs can not be verified as accurate and complete, it must be removed from my credit report Additionally, Section 623 of the FCRA ( 15 U.S.C. 1681s-2 ) requires data furnishers to provide accurate information. If this account can not be validated as accurate and complete by the original creditor, it should be deleted promptly. 

I have attached the following documents to support my request : A copy of my credit report highlighting the disputed charge-off Please conduct a thorough investigation and provide me with written confirmation of the findings. If the charge-off is removed, kindly provide me with an updated copy of my credit report reflecting this change. 

Thank you for your attention to this matter. I look forward to your prompt response. If you have any questions, I can be reached at XXXX Account : XXXXXXXX XXXX XXXX  | # XXXX {$2200.00} 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 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX, PA XXXX XXXX, GA XXXX XXXX XXXX XXXX Subject : Request for Removal of Inaccurate Charge-off Information Dear XXXX, I am writing to formally dispute the accuracy of certain information in my credit file, as permitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ), I have the right to dispute inaccurate information, and the credit bureau must investigate my claim within 30 days. If the charge-offs can not be verified as accurate and complete, it must be removed from my credit report Additionally, Section 623 of the FCRA ( 15 U.S.C. 1681s-2 ) requires data furnishers to provide accurate information. If this account can not be validated as accurate and complete by the original creditor, it should be deleted promptly. 

I have attached the following documents to support my request : A copy of my credit report highlighting the disputed charge-off Please conduct a thorough investigation and provide me with written confirmation of the findings. If the charge-off is removed, kindly provide me with an updated copy of my credit report reflecting this change. 

Thank you for your attention to this matter. I look forward to your prompt response. If you have any questions, I can be reached at XXXX Account : XXXXXXXX XXXX XXXX | # XXXX {$2200.00} Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 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: Cascade CISS Holdings, LLC
State: GA

Complaint narrative:
Please remove those inquiries from my credit report since it affects my score. I have not consulted anything. I owe you any information. Call me first. My name is XXXX XXXX. My phone number is already XXXX I denounce that they are making inquiries with my document. I have a police report. I lost some documents and I think they are trying to get credit with my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: Cascade CISS Holdings, LLC
State: GA

Complaint narrative:
Please remove those inquiries from my credit report since it affects my score. I have not consulted anything. I owe you any information. Call me first. My name is XXXX XXXX. My phone number is already XXXX  I denounce that they are making inquiries with my document. I have a police report. I lost some documents and I think they are trying to get credit with my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: CREDIT ACCEPTANCE CORPORATION
State: CA

Complaint narrative:
Credit Acceptance keeps on reporting new late payments on an account that has been inactive for more then 4 years, I have not made any payments nor brought the account current during this time, since the date of the first delinquency. The seven year clock reporting starts from the date of first delinquency, and no new late payments can be added if I havent made a payment since the account became delinquent. this account is already considered delinquent or potentially charged off, so lender can not continue reporting new late payments because there is no activity ( no new due dates or payments being missed. Last time I contacted Credit Acceptance to ask for account summary they advised me that they were re-aging the account ( reporting new delinquency date ) because I communicated with them< so the reporting clock would be reset. This practice is illegal. I submitted a dispute with XXXX, they opened a dispute investigation but nothing was done. my credit report was not updated.

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 monetary relief
Consumer complaint received 2024-12-19 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:
I am filing this complaint against the following Credit Reporting Agencies ( CRAs ) : XXXX, XXXX, TransUnion, for non-compliance with federal law, specifically the Fair Credit Reporting Act ( FCRA ), resulting in significant harm to my rights as a consumer : These agencies have failed to uphold their obligations under the FCRA by inaccurately reporting accounts, refusing to provide adequate proof of verification for disputed accounts, and perpetuating inaccuracies that harm my financial standing and restrict my ability to exercise my constitutional rights. 
________________________________________ Summary of Allegations 1. Failure to Verify Disputed Accounts I have sent detailed correspondence to the CRAs disputing inaccurate and unverifiable accounts listed on my credit report. Despite my requests, they failed to provide evidence of proper verification for these accounts, instead responding with generic statements that the accounts have been " verified. '' This is a direct violation of the FCRA, specifically 15 U.S.C. 1681i ( a ) ( 1 ), which mandates a reasonable reinvestigation and validation of disputed information. 
2. Negative Impact on My Constitutional Rights These inaccurate reports are adversely affecting my ability to : o Access housing due to unwarranted denials based on credit checks.

o Obtain financing for essential purchases.

o Utilize credit as the true creditor, which is my legal and equitable right under federal law. 
The CRAs ' negligence has effectively denied me the right to fair access to credit and housing, constituting a violation of my constitutional protections. 
3. Violation of Federal Law By failing to ensure the maximum accuracy of the information reported as required under 15 U.S.C. 1681e ( b ) and failing to verify the validity of disputed accounts, the CRAs have willfully and negligently breached their obligations under the FCRA.

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 2024-12-19 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:
I am filing this complaint against the following Credit Reporting Agencies ( CRAs ) : XXXX, XXXX, TransUnion, for non-compliance with federal law, specifically the Fair Credit Reporting Act ( FCRA ), resulting in significant harm to my rights as a consumer : These agencies have failed to uphold their obligations under the FCRA by inaccurately reporting accounts, refusing to provide adequate proof of verification for disputed accounts, and perpetuating inaccuracies that harm my financial standing and restrict my ability to exercise my constitutional rights. 
________________________________________ Summary of Allegations 1. Failure to Verify Disputed Accounts I have sent detailed correspondence to the CRAs disputing inaccurate and unverifiable accounts listed on my credit report. Despite my requests, they failed to provide evidence of proper verification for these accounts, instead responding with generic statements that the accounts have been " verified. '' This is a direct violation of the FCRA, specifically 15 U.S.C. 1681i ( a ) ( 1 ), which mandates a reasonable reinvestigation and validation of disputed information. 
2. Negative Impact on My Constitutional Rights These inaccurate reports are adversely affecting my ability to : o Access housing due to unwarranted denials based on credit checks. 
o Obtain financing for essential purchases.

o Utilize credit as the true creditor, which is my legal and equitable right under federal law. 
The CRAs ' negligence has effectively denied me the right to fair access to credit and housing, constituting a violation of my constitutional protections. 
3. Violation of Federal Law By failing to ensure the maximum accuracy of the information reported as required under 15 U.S.C. 1681e ( b ) and failing to verify the validity of disputed accounts, the CRAs have willfully and negligently breached their obligations under the FCRA.

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 2024-12-19 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: EQUIFAX, INC.
State: NV

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

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 2024-12-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Comerica
State: MO

Complaint narrative:
My monthly XXXX XXXX  for XX/XX/XXXX XXXX of {$1000.00} was not on my card. I contacted DirectExpress and was told that my card was canceled and a new card was sent to an address in XXXX XXXX, Missouri. I've never been to that city and did not authorize any change to my account. I have been fighting them ever since with no luck. Please help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-19 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:
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 2024-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
I was charged over {$3000.00} in fees from Huntington Bank. Ive been unemployed since XX/XX/year> and these bank fees are asinine. Please tell Huntington to make it right. I also had a car loan with them which they repossessed last month, after a 5 year loan. After reporting them to XXXX they referred me to you. Please helpalso since reporting them, Ive had no more fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have contacted Equifax on more than one occasion to make corrections to several accounts on the consumer report to no avail. I have included the latest communications sent to Equifax as well as the other Credit Reporting Agencies and all concerned Furnishers of data for the consumer report. There is a Bankruptcy that needs to be removed as the data is unverifiable according to XXXX. There are also several accounts that need to be removed from the consumer reports as Opt-Out Notices have been sent to all Credit Reporting Agencies as well as all applicable Furnishers of data for the consumer reports. I have also included the USPS delivery confirmation for all companies. The Mailbox Rule applies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 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:
I PULLED MY TRANSUNION CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights.

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

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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