vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-21 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:
Despite the multiple previous written requests, the unverified accounts listed below still remain 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 verified that these accounts are being reported correctly? Who verified these accounts? 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 accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the account, or inaccurate information, from my file immediately 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 2024-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Dispute and Request to Update Personal Information Dear Sir/Madam, I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : Name : My current legal name is XXXX XXXX XXXX XXXX, but it is listed incorrectly on my credit report as XXXX XXXX XXXX. I request that my name be updated to reflect the correct information. 


Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, but my credit report shows an outdated address as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. I request that my current address be updated accordingly. 


Contact Information : My only current phone number is XXXX I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 
A copy of my phone bill or any other official document that displays my correct phone number.

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 2024-10-20 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Dispute and Request to Update Personal Information Dear Sir/Madam, I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : Name : My current legal name is XXXX XXXX XXXX XXXX, but it is listed incorrectly on my credit report as XXXX XXXX XXXX. I request that my name be updated to reflect the correct information. 


Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  but my credit report shows an outdated address as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I request that my current address be updated accordingly. 


Contact Information : My only current phone number is XXXX I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 
A copy of my phone bill or any other official document that displays my correct phone number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 
Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX Please update my name to : XXXX XXXX XXXX XXXX My only social security number is : [ XXXX ] My only and correct date of birth is : [ XXXX ] I do not wish to have any telephone numbers on my report. 
Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 
Sincerely. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Date opened XX/XX/XXXX XXXXXXXX XXXX  I contacted them about this reporting in XXXX XXXX XXXX XXXX XXXX  this matter is still unsolved. Attached is the letter sent

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
Chime will not reverse a charge for products not received. It makes no sense. {$200.00} sent to a unknown at the time scammer on XX/XX/2024 in regards to renting a vehicle out and they will not return my money when I didnt receive the product.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Lewis, McDonnell & Associates
State: CA

Complaint narrative:
I was contacted in XX/XX/XXXX by a woman who threatened that if I didn't resolve my old debt with XXXX XXXX for the balance of {$2600.00}, that a process server was on the way to my previous home address where my family was located. Being fearful of potential embarrassment and not wanting the added stress of legal matters, as I was about to become a father 4 months later, I agreed to settle the matter under duress. I was then transferred to another representative by the name of XXXX ( XXXX, XXXX ), where I was set up on a payment plan. I made an initial {$200.00} payment followed by $ XXXX for 24 months, with the option for the entire debt to be wiped away if I paid {$1100.00} by XX/XX/XXXX. The company is with Lewis , McDonnell & Associates. 

Recently, I was terminated by my job in XX/XX/XXXX. While I was able to make the XXXX payment, I called in to explain the situation for XX/XX/XXXX. The debt collector told me that they would give me until the end of XXXX, but, then threatened that if a payment wasn't submitted, that a lawsuit would likely follow, despite a balance of less than {$1000.00} remaining. I then started thinking of the call in XX/XX/XXXX, and by luck, an assignment within XXXX XXXX XXXX XXXX focused on the XXXX Fair Debt Collection Practices Act where debt collectors can not call impersonating attorneys or threats of any litigation. I now believe that not only was I unfairly and misled into this debt, but, if an investigation proves so, then I want the debt wiped clean and want all money paid to them to be returned, as it was a contract that was entered under unlawful practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 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: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
Date Opened XX/XX/XXXX Amount {$2000.00} I contacted them about this reporting in XX/XX/XXXX, by XX/XX/XXXX this matter was still unsolved. Attached is the letter sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: OH

Complaint narrative:
I have never done business with ABILITY RECOVERY SERVICES , LLC XXXX XXXX, I am unaware of any contracts or sign statement with this company. I have no business dealings with them.15 U.S. Code 1692g ( e ) Notice provisions The sending or delivery of any form or notice which does not relate to the collection of a debt and is expressly required by title 26, title V of Gramm-Leach-Bliley Act [ 15 U.S.C. 6801 et seq. ], or any provision of Federal or State law relating to notice of data security breach or privacy, or any regulation prescribed under any such provision of law, shall not be treated as an initial communication in connection with debt collection for purposes of this section. There is a issue never had any notice no paperwork as to the transfer of title of ownership, who is this third party collections agency. Regarding this alleged account, if Debt collector is different from the alleged Original Creditor, does Debt Collector have a bona fide affidavit of assignment to enter into original contract between alleged Original Creditor and alleged Debtor?

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 2024-10-20 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Cosumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX 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. This fraudulent, inaccurate, and false information consists 7 Separate fraudulent accounts appearing on my consumer FICO report which i do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of Accounts : 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 XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX XXXX  ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-10-20 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: ADP Inc.
State: MN

Complaint narrative:
I have had an open MyWisely account open since I worked at XXXX last year for a couple months. They provided me with this debit card by mail as a way to get paid early. Just today XX/XX/year> I have contacted customer service through the chat option in the app, and had a conversation with a rep who confirmed they closed my account but clearly they didnt. No email confirmation and still my account shows active. I attempted to connect with an agent again but coincidentally I was in queue for over 30 minutes, compared to the literal less than 1 minute wait time I experienced in my initial contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Received a loan you didn't apply for — 
Company: DigniFi
State: TX

Complaint narrative:
I received an alert on my XXXX XXXX account about my credit score change. After reviewing it I noticed a personal loan was taken out under my name a DIGNIFI. I have been trying to call them on their XXXX number but I I received is a busy signal. I sent them an email explaining the situation and no reply has come forth. 
I want to dispute this transaction since I did not apply for the personal loan myself. Please help me fix and resolve the issue and problem. 
Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Modlin Slinsky, P.A.
State: FL

Complaint narrative:
On XX/XX/year>, I sent a formal debt validation request to XXXX XXXX and their assigned third-party debt collection agency, XXXX XXXX XXXX XXXX, regarding an account they claim I owe. I requested proof of the original signed agreement and a detailed breakdown of how the debt amount was calculated. However, I received only account statements, which did not meet the requirements for proper debt validation. 

On XX/XX/year>, I sent a second formal request to the same parties for complete validation of the debt, including the signed agreement and proof of their legal right to collect the debt. As of XX/XX/year>, I have still not received the required documentation. 

Despite failing to provide proper validation, the debt collector continues collection efforts, which includes reporting this debt to credit bureaus. Under the Fair Debt Collection Practices Act ( FDCPA ), collection activities must cease until the debt is validated, and I believe this constitutes a violation of my consumer rights. 

I request that all collection activities be stopped and any negative reporting to credit bureaus be permanently removed, as the debt has not been properly validated according to the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I have been disputing lunch funding for quite some time. I have said Im a victim of if tort theft and they come back saying the debit is valid. I feel like Im getting no where. I have a police report filed and froze my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 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: IN

Complaint narrative:
According to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, section 602 ( a ), consumer reporting agencies must carry out their duties with fairness, impartiality, and respect for consumers ' privacy. XXXX, Experian, and XXXX are consumer reporting agencies bound by these principles. As a consumer, I am entitled to ensure my private information is safeguarded, supported by 15 U.S.C. 6801, which obligates financial institutions to protect customers ' nonpublic personal information. 

15 U.S.C. 1681, section 604 ( a ) ( 2 ), states that consumer reporting agencies can only furnish a consumer report with the consumer 's written instructions. Neither XXXX, Experian, XXXX, nor any financial institution providing information to these credit agencies has my explicit written consent to share my information. Therefore, any previous consent, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. 

15 U.S.C. 6802 ( b ) ( c ) mandates that financial institutions can not disclose nonpublic personal information to third parties without giving consumers the option to opt out. I was not informed of my right to opt out by any information furnishers. Additionally, 15 U.S.C. 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information older than seven years in a consumer report, except for criminal convictions. The adverse item reported on my account without my consent violates this regulation. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) ( A ) prohibits furnishing information to a consumer reporting agency if it is known or believed to be inaccurate. Furthermore, 15 U.S.C. 1681e requires consumer reporting agencies to maintain reasonable procedures to avoid violations of section 1681c and limit the furnishing of consumer reports to permissible purposes. 

XXXX, Experian, and XXXX are not adhering to these procedures. Under 12 C.F.R. 1016.7, I am exercising my right to opt out of their reporting services.

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 2024-10-20 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
Companies keeps sending letters about debt and I have sent them a debt validation letter on XX/XX/year> and they received it in XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: CA

Complaint narrative:
I applied with XXXX  to have my private loans discharged because the school shut down. The XXXX XXXX XXXX XXXX  XXXX and all of its associates are being sued for misconduct and scamming students into loans they couldnt ever pay back. They promised jobs and career opportunities that didnt exist. The degrees were worthless. The interest rates on the loans should be XXXX. Many were approved to be discharged and I was denied. There is no reason for my denial. They gave me vague reasoning. The stress alone that XXXX  and attending this school has even affected my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: WA

Complaint narrative:
XXXX is trying to claim I owe them {$1100.00} and that it's past due since XXXXXXXX XXXX XXXX and I've never been with XXXX nor did I authorize the service or products put into my name by someone having access to my name, social, and birthday and fraudulently using my information to do this. I have reported to this collection agency that it's identity theft and they failed to do anything about it. The collection agencys name is Jefferson Capital SYST and their contact info is ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I want the information regarding : XX/XX/year> {$21000.00} Customer Impersonation Claim : Denied - Evidence found of customer participation or transaction authorized XX/XX/year> {$3000.00} Customer Impersonation Claim : Denied - Evidence found of customer participation or transaction authorized.

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