vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-19 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: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent INOUIRIES from my credit report. 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
on XX/XX/year> i requested items on my credit report be investigated. these negative items are hurting my credit report

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 2024-11-19 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: MD

Complaint narrative:
on XX/XX/year> i requested items on my credit report be investigated. these negative items are hurting my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
XX/XX/year> Bank of America emailed me about suspicious credit card activity from XXXX. I immediately called them and said it was FRAUD. Charge amount {$2900.00} I have been in contact with Bank of America many times. 
As of today, XX/XX/year>, this charge has not been removed from my account. 

Please get them to remove the charge.

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 2024-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
I do not know this company I do not owe this company anything I believe the information is invalid and posting on my credit report illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD 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 2024-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
i am writing to file a formal complaint regarding an unauthorized credit inquiry made on my credit report. The inquiry was conducted without my consent or authorization, and I am requesting your assistance in resolving this matter in accordance with the Fair Credit Reporting Act ( FCRA ), specifically Section 605 ( b ) and 15 U.S.C. 1681c-2.

I, did not provide written or verbal consent for the credit inquiry in question. Under the FCRA, credit reports may only be obtained under specific circumstances where the consumer has explicitly authorized the request. I have not given permission for any third party to access my credit report, and I dispute the validity of this inquiry. 

The unauthorized credit inquiry is negatively impacting my credit file, and I am seeking immediate resolution. Specifically,

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 2024-11-19 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: NY

Complaint narrative:
i am writing to file a formal complaint regarding an unauthorized credit inquiry made on my credit report. The inquiry was conducted without my consent or authorization, and I am requesting your assistance in resolving this matter in accordance with the Fair Credit Reporting Act ( FCRA ), specifically Section 605 ( b ) and 15 U.S.C. 1681c-2.

I, did not provide written or verbal consent for the credit inquiry in question. Under the FCRA, credit reports may only be obtained under specific circumstances where the consumer has explicitly authorized the request. I have not given permission for any third party to access my credit report, and I dispute the validity of this inquiry. 

The unauthorized credit inquiry is negatively impacting my credit file, and I am seeking immediate resolution. Specifically,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
i am writing to file a formal complaint regarding an unauthorized credit inquiry made on my credit report. The inquiry was conducted without my consent or authorization, and I am requesting your assistance in resolving this matter in accordance with the Fair Credit Reporting Act ( FCRA ), specifically Section 605 ( b ) and 15 U.S.C. 1681c-2.

I, did not provide written or verbal consent for the credit inquiry in question. Under the FCRA, credit reports may only be obtained under specific circumstances where the consumer has explicitly authorized the request. I have not given permission for any third party to access my credit report, and I dispute the validity of this inquiry. 

The unauthorized credit inquiry is negatively impacting my credit file, and I am seeking immediate resolution. Specifically,

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 2024-11-19 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I attest that I am a victim of XXXX  for purposes of Section 605C of the Fair Credit Reporting Act ( FCRA ). 
Under penalty of perjury, I declare ( certify, verify or state ) that the foregoing is true and correct, to the best of my knowledge. Clarity has not blocked my information although I mailed information as requested on their website.

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 2024-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
The automatic payment arrangement in my modification agreement was not Established.by Rushmore servicing I sent the form in two separate times to establish autopay. Then upon The autopay dateXX/XX/XXXX, the draft of funds did not happen. 

Now modification payment # 1 is late. Fees are imminent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: NY

Complaint narrative:
I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX 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 2024-11-19 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I, XXXX XXXX, declare that I am a victim of identity theft. Unauthorized accounts and transactions have been made in my name without my knowledge or consent. I first became aware of this fraudulent activity on XX/XX/XXXX. These accounts have negatively impacted my credit and financial standing. 
I affirm that I did not authorize these accounts, transactions, or activity, nor did I receive any benefit from them. I have taken steps to address this matter, including filing a police report and disputing the unauthorized accounts with the relevant institutions and credit bureaus. 
Given the significant impact of this theft on my credit, I requested removal of these fraudulent entries : XXXX XXXX XXXX XXXX Account Information Address XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Account Type Revolving Account Loan Type CREDIT CARD Balance {$1600.00} XXXX XXXX XXXX XXXX Account Information Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX Phone ( XXXX ) XXXX Date Opened XXXX Account Type Revolving Account Loan Type CREDIT CARD Balance {$1300.00} XXXX XXXX XXXX XXXX Account Information Address XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX Phone ( XXXX ) XXXX Monthly Date Opened XX/XX/XXXX balance of {$35000.00} XXXX XXXX XXXX XXXX XXXX Account Information Address XXXX XXXX XXXX XXXX, VA XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Type CREDIT CARD Balance {$11000.00} XXXX XXXX XXXX XXXX XXXX Account Information Address XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Balance {$3000.00} XXXX XXXX DBA XXXX XXXX Account Information Address XXXX XXXX XXXX XXXX XXXX AL XXXX Phone ( XXXX ) XXXX balance {$18000.00} XXXX XXXX XXXX  XXXX XXXX Account Information Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Loan Type XXXX  XXXX ACCOUNT Balance {$35000.00} Thank you for addressing this matter urgently within the four-day period requested. Please feel free to contact me at XXXX or via email at XXXX should you require any additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: TN

Complaint narrative:
I, XXXX XXXX, declare that I am a victim of identity theft. Unauthorized accounts and transactions have been made in my name without my knowledge or consent. I first became aware of this fraudulent activity on XX/XX/XXXX. These accounts have negatively impacted my credit and financial standing. 
I affirm that I did not authorize these accounts, transactions, or activity, nor did I receive any benefit from them. I have taken steps to address this matter, including filing a police report and disputing the unauthorized accounts with the relevant institutions and credit bureaus. 
Given the significant impact of this theft on my credit, I requested removal of these fraudulent entries : XXXX XXXX XXXX XXXX Account Information Address XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Account Type Revolving Account Loan Type CREDIT CARD Balance {$1600.00} XXXX XXXX XXXX XXXX Account Information Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX Phone ( XXXX ) XXXX Date Opened XXXX Account Type Revolving Account Loan Type CREDIT CARD Balance {$1300.00} XXXX XXXX XXXX XXXX Account Information Address XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX Phone ( XXXX XXXX XXXX Monthly Date Opened XX/XX/XXXX balance of {$35000.00} XXXX XXXX XXXX XXXX XXXX Account Information Address XXXX XXXX  XXXX XXXX, VA XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Type CREDIT CARD Balance {$11000.00} XXXX XXXX XXXX XXXX XXXX Account Information Address XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Balance {$3000.00} XXXX XXXX DBA XXXX XXXX Account Information Address XXXX XXXX XXXX XXXX XXXX AL XXXX Phone ( XXXX ) XXXX balance {$18000.00} XXXX XXXX XXXX  XXXX XXXX Account Information Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Loan Type XXXX  XXXX ACCOUNT Balance {$35000.00} Thank you for addressing this matter urgently within the four-day period requested. Please feel free to contact me at XXXX or via email at XXXX should you require any additional 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 explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: WA

Complaint narrative:
VALIDATION AND CEASE AND DESIST RE : NAME : XXXX XXXX ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, WA XXXX ACCT # XXXX Dear Sr : I received a debt collection from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor. 

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 


Please do not look at my credit report or report anything to my credit. I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 

PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. 

IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation. 


the 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I had a previous dispute with Barclays and that dispute was closed but only because I reached out to the Vendor and solved the issue. The vendor and I agreed to settle the matter by paying 2 of the payments and not paying the other two. Specifically, I wrote a letter to Barclays indicating that I would pay {$8600.00} and {$9300.00}, however the amounts for {$4300.00} and {$3800.00} would not be paid. I explained this to Barclays in both an email and verbally via the " Office of the President '' the persons name was XXXX. I must stress that there is no longer a dispute with the vendor, both the vendor and I are in agreement that I should be credited the amounts of XXXX and XXXX. However, even though the vendor and stated this, Barclays refuses to reverse these charges. The vendor and I are no on good terms and he advised me that he has not been paid for the XXXX and XXXX charges however Barclays continues to bill be and now there is a minimum due on these amounts. The most concerning issue is that I can not get anyone from Barclays to respond to a phone call or email. Barclays customer service is horrendous. Please help.

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 2024-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I demand verifiable evidence bearing my signature/electronic signature. This letter asserts my consumer rights under the Fair Credit Reporting Act, specifically Section 605B ( 15 U.S.C. 1681c-2 ) and Section 604 ( 15 U.S.C. 1681b ). I have contacted the relevant companies and found these actions were initiated without proper validation or original documentation from any of the reporting entities. 
XXXX XXXX Account Number : XXXX Reason : Under 15 US Code 1681b permissible purposes of consumer reports Instruction : Please Delete Immediately XXXX XXXX  Account Number : XXXX Reason : Under 15 US Code 1681b permissible purposes of consumer reports Instruction : Please Delete Immediately XXXX Account Number : XXXX Reason : Under 15 US Code 1681b permissible purposes of consumer reports Instruction : Please Delete Immediately XXXX XXXX Account Number : XXXX Reason : Under 15 US Code 1681b permissible purposes of consumer reports Instruction : Please Delete Immediately XXXX XXXX Account Number : XXXX Reason : Under XXXX XXXX Code XXXX permissible purposes of consumer reports Instruction : Please Delete Immediately XXXX XXXXXXXX Account Number : XXXX Reason : Under 15 US Code 1681b permissible purposes of consumer reports Instruction : Please Delete Immediately XXXX XXXX  Account Number : XXXX Reason : Under 15 US Code 1681b permissible purposes of consumer reports Instruction : Please Delete Immediately XXXX XXXXXXXX Account Number : XXXX Reason : Under 15 US Code 1681b permissible purposes of consumer reports Instruction : Please Delete Immediately XXXX XXXX Account Number : XXXX Reason : Under 15 US Code 1681b permissible purposes of consumer reports Instruction : Please Delete Immediately XXXX  Account Number : XXXX Reason : Under 15 US Code 1681b permissible purposes of consumer reports Instruction : Please Delete Immediately XXXX XXXX Account Number : XXXX Reason : Under 15 US Code 1681b permissible purposes of consumer reports Instruction : Please Delete Immediately XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : Under 15 US Code 1681b permissible purposes of consumer reports Instruction : Please Delete Immediately XXXX Account Number : XXXX Reason : Under 15 US Code 1681b permissible purposes of consumer reports Instruction : Please Delete Immediately

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 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXXXXXX XXXX XXXXXXXX Balance : {$1800.00}

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