vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-08 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
NATIONAL CREDIT ADJUSTERS , L.L.C This account is currently under dispute under dispute Account info Account name NATIONAL CREDIT ADJUSTERS , L.L.C Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$430.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$430.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$430.00} Highest balance - Terms XXXX Months On record until XX/XX/XXXX Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Payment history guide Collection as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX This account is scheduled to continue on record until XX/XX/XXXX. 

Historical info Original creditor XXXX.XXXX  Balance history XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Additional info The original amount of this account was {$430.00} Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX, KS XXXX Your statement

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: Early Warning Services, LLC
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX ( XXXX ) XXXX XXXX Date : XX/XX/year> Early Warning Services , LLC XXXX : Consumer Reporting Disputes XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX Re : Formal Dispute of Items on EWS Report To Whom It May Concern, I am writing to dispute the accuracy and validity of the items currently listed on my Early Warning Services ( EWS ) report. Despite submitting multiple prior disputes, several fraudulent or inaccurate items remain, even though some entries were removed. The removal of certain items is a clear indication that inaccurate or incorrect information was originally reported, compromising the integrity of the entire report. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair and Accurate Credit Transactions Act ( FACTA ), I am entitled to an accurate consumer report. EWS is required by law to ensure that any information provided is both verifiable and authorized. Section 611 of the FCRA obligates you to conduct a thorough investigation of all disputed information and delete any unverifiable data within XXXX  days. 

Despite repeated requests, I have not received documentation verifying the legitimacy of the remaining items. Under FCRA 609, I am entitled to all information in my file, including the source and supporting evidence. Since you have failed to provide this information, the continued reporting of these items violates federal law. 
The following disputed items are still active on my report and require immediate deletion : XXXX  XXXX XXXX : XXXX. Routing # XXXX Account # XXXX XXXX. Routing # XXXX Account # XXXX XXXX. Routing # XXXX Account # XXXX XXXX. Routing # XXXX Account # XXXX XXXX XXXX XXXX : XXXX. Routing # XXXX Account # XXXX XXXX. Routing # XXXX Account # XXXX XXXX : XXXX. Routing # XXXX Account # XXXX XXXX. Routing # XXXX Account # XXXX Since prior deletions demonstrate that inaccurate data was being reported, I request the following actions : XXXX. Immediately delete the remaining inaccurate, incomplete, or unverifiable items from my EWS report. 
XXXX. Provide written confirmation of the deletions and the updated status of my report. 
XXXX. If you maintain that any of the information is accurate, I demand that you provide me with complete supporting documentation and evidence for each entry within XXXX  days. 
Failure to comply will result in further legal action, including filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing damages as allowed under FCRA 623. 
I expect a resolution within the legally mandated XXXX period. Please send all future correspondence to the address listed above or to my email at XXXX. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I did not request any fraud alerts to be added to my file and would like them removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, this creditor was sent a Debt validation letter in accordance to the Fair Debt Collection Practices Act ( FDCPA ) to verify all information regarding this account which included a demand to show legal consideration that was owned, given and used by creditor to fund this account. A demand for proof of consideration and full accounting accuracy as well as proof creditor did not receive bank credit from Federal Reserve using my social security number and account. This Creditor failed to comply within the maximum time requirement to reply and provide requested information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: FL

Complaint narrative:
Subject : Request for Verification of Incorrect Late Payment XX/XX/year>. 

Dear Experian, I am writing to formally request all information used by your bureau to verify the inaccurate late payment reported on my credit file related to XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, any unverified and inaccurate information must be removed immediately. 

Please provide me with all details your office utilized to verify this incorrect late payment, including, but not limited to, information from public record websites or any third-party vendors involved in this verification process. Specifically, I would like the following information : - Names of the companies involved - Addresses of these companies - Phone numbers- Websites of the third-party vendors If there is a failure to comply with this request to produce evidence of the METRO 2 COMPLAINT removal request, I expect this account to be updated as paid. If necessary, instruct my legal team to file a complaint with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and the Florida Attorney General. We may also pursue any further legal actions deemed necessary, including civil and punitive damages. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I went to look at my credit and discovered that there were several hard inquiries from someone attempting to get credit cards in my name. There were also several accounts successfully opened fraudulently in my name. I have reached out to these creditors many times and they still have not helped me, i also reached out to all of the bureaus about these fraudulent accounts and they not not helped me either. I am now reaching out to this institution for some resolution because this has been so damaging to my life and im in need of help. 

I filed an identity theft report with the XXXX and will be attaching that report here along with this complaint. Thank You.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: AL

Complaint narrative:
XX/XX/year> XXXX notified me via email that a XXXX XXXX Account was reported to XXXX. XX/XX/XXXX, I contacted SUNRISE CREDIT SERVICES, INC. to question a debt I had no knowledge of. Agent ( XXXX XXXX ) refused to identify the originating source, refused to transfer me to the fraud department or to her supervisor and hung up.

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 2025-01-08 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: SC

Complaint narrative:
There are names on my account and addresses on my account that's incorrect and I have asked them to dispute it and it's still there.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: PA

Complaint narrative:
This morning, I discovered inaccurate accounts on my credit report, and I have no idea how they got there. When I checked my credit report as I regularly do, I noticed unexpected discrepancies. I even refreshed my browser, thinking it might be a glitch, but the incorrect accounts remained. Because of this issue, I kindly request a thorough review of the documents I have submitted to ensure I won't have to face this problem again.

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 2025-01-08 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: FL

Complaint narrative:
Subject : Request for Verification of Incorrect Late Payment XX/XX/year>. 

Dear Equifax, I am writing to formally request all information used by your bureau to verify the inaccurate late payment reported on my credit file related to. XXXX XXXX XXXX  Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, any unverified and inaccurate information must be removed immediately. 

Please provide me with all details your office utilized to verify this incorrect late payment, including, but not limited to, information from public record websites or any third-party vendors involved in this verification process. Specifically, I would like the following information : - Names of the companies involved - Addresses of these companies - Phone numbers- Websites of the third-party vendors If there is a failure to comply with this request to produce evidence of the METRO 2 COMPLAINT removal request, I expect this account to be updated as paid. If necessary, instruct my legal team to file a complaint with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and the Florida Attorney General. We may also pursue any further legal actions deemed necessary, including civil and punitive damages. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-01-08 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: CA

Complaint narrative:
On XX/XX/year>, this creditor was sent a Debt validation letter in accordance to the Fair Debt Collection Practices Act ( FDCPA ) to verify all information regarding this account which included a demand to show legal consideration that was owned, given and used by creditor to fund this account. A demand for proof of consideration and full accounting accuracy as well as proof creditor did not receive bank credit from Federal Reserve using my social security number and account. This Creditor failed to comply within the maximum time requirement to reply and provide requested information.

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 2025-01-08 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: CA

Complaint narrative:
On XX/XX/year>, this creditor was sent a Debt validation letter in accordance to the Fair Debt Collection Practices Act ( FDCPA ) to verify all information regarding this account which included a demand to show legal consideration that was owned, given and used by creditor to fund this account. A demand for proof of consideration and full accounting accuracy as well as proof creditor did not receive bank credit from Federal Reserve using my social security number and account. This Creditor failed to comply within the maximum time requirement to reply and provide requested information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a 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 non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
Applied for home loan and discovered on my credit report that this company is reporting collection account that is not mine and I have any knowledge about.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I requested with newrez to have the servicing of escrow removed from account and newrez said after the review of my mortgage balance the request was denied because the XXXX is XXXX and I said how is that possible? I asked what value did newrez use to determine the value and newrez said XXXX. I said how could you use the purchase price and not the value of property in 2025. Newrez stated they use the purchase price because I would need an appraisal to determine current value. I havent heard from newrez since. All newrez does is give me the run around in customer service. My escrow is constantly short but newrez collects larger amounts constantly and it never balances. Newrez has not ordered an appraisal. Newrez has not requested from me to pay for an appraisal. Newrez has ignored XXXX request for the servicing of escrow to be removed.

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 2025-01-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I filed a compliant number XXXX on XX/XX/2024 as identity theft along with my police report. Per The Fair Credit Reporting Act ( FCRA ) it states if an identity theft report is submitted all accounts are to be blocked and/or removed from the consumers credit report within four business days. It's day XXXX! 
I received a message stating the companies have up to 60 days to respond. Per the FCRA they do not! They are past due and are in violation of this law. I am willing to file a violation claim and this is my proof of the violation. I would appreciate you enforing this law which is why I filed the compliant with you from the very beginning. I want the accounts removed immediately. 

My original complaint number for your reference is XXXX I will also reattach the Identity theft and police reports in case they were lost.

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 2025-01-08 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: LA

Complaint narrative:
Recently I saw a Late Payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error and I just would like for it to be corrected. XXXX XXXXXXXX

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