vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I believe FCRA 605B mandates the removal of any erroneous accounts from my credit report. Would you mind reviewing the documents? Some of the listed accounts contain inaccuracies, which is causing me concern.

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 2024-03-18 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: AR

Complaint narrative:
To whom it my concern, I am writing to update/correct my personal information on file with your company. 

Please Update my address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update my name : XXXX XXXX  XXXX only social security number is : XXXX My only correct date of birth is : XXXX My only employer is : XXXX XXXX XXXX XXXX  I do not wish to have any telephone number 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

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 2024-03-18 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: AR

Complaint narrative:
To whom it my concern, I am writing to update/correct my personal information on file with your company. 

Please Update my address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX only social security number is : XXXX My only correct date of birth is : XXXX My only employer is XXXX XXXX XXXX XXXX XXXX I do not wish to have any telephone number 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: DC

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

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 2024-03-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters

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 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My FICO score reported on XX/XX/2024 is inaccurate. I reduced my re-occurring debt were all paid on time and never late. My EQUIFAX FICO score decreased to XXXX XXXX. It should have increased. My XXXX and XXXX were both increased due to outstanding. There are N0 serious delinquency, No late payments. No missed payment and No Short account history. Below are the current reported FICO Score : XXXX XXXX XXXX XXXXEquifax decreased XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
Tower Loan has been demonstrated to violate federal law 15 U.S. Code 1692d - Harassment or abuse since taking this loan in XX/XX/XXXX. I have received multiple calls daily over the past few months. This company will call me an average of 4 times daily on different numbers. On XXXX XXXX, a tower loan rep, called me at XXXX XXXX I informed him to cease all communication, and he noted he would put this on my file. I continue to get calls. Tower Loan has also called my aunt, who lives out of state, multiple times, looking for me. She was reprimanded on XX/XX/XXXX for taking this call on her job. She thought it was an important call from a Mississippi number. These calls have become a form of harassment, as I work full-time and can't always answer my phone. XXXX called me today at XXXX XXXX, asking when I would make a payment. She failed to see in the file that a payment was scheduled before calling me. I have included screenshots of calls that have been made over the course of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: CA

Complaint narrative:
JEFFERSON CAPITAL SYSTEM {$680.00} The debt collectors engaged in abusive, deceptive, and unfair practices of the FDCPA, which it prohibits. They furnished this account we did not agree upon, and I did not sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so, they did not follow the 5 step validation procedure, which makes these unfair practices. According to the FDCPA, I'm entitled to {$1000.00} dollars per violation, and they clearly violated my right.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-03-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This account was charged off on the following date : XX/XX/XXXX Since then the date of last activity has been inconsistently updated. On XXXX the date last XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX is XX/XX/XXXX If the information is coming from the original creditor the dates should be the same. We can not say these account are 100 % accurate so it is deemed INACCURATE. Please delete this account from my report. 

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 non-monetary relief
Consumer complaint received 2024-03-18 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: NY

Complaint narrative:
This account was charged off on the following date : XX/XX/XXXX Since then the date of last activity has been inconsistently updated. On Equifax the date last active is ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and on XXXX XXXX XXXX If the information is coming from the original creditor the dates should be the same. We can not say these account are 100 % accurate so it is deemed INACCURATE. Please delete this account from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: FREEDOM FINANCIAL NETWORK
State: CA

Complaint narrative:
I have fallen victim to fraud and identity theft in my name, in which accounts have been open without my authorization, such as auto loans, bank accounts, as well as apartment rentals, have been obtained unknowingly in my name. This has caused much undue, financial strain and stress. Account : Achieve Personal Loans Account XXXX XXXX XXXX  {$15000.00} In accordance with The Fair Credit Reporting Act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The Numbered Account attached to this dispute violates my rights. 
15 USC 1681, section 602 A. States I have the right to privacy.

15 USC 1681 s ( A ) ( 1 ) a person shall not furnished any information relating to a consumer to any consumer reporting agency if the person knows or a has reasonable cause to believe that the information is in accurate. 
I have requested information from creditor with signed affidavit due to identity theft and no known knowledge of account. This has caused much damage to credit report and needs to be deleted from all credit bureaus immediately.

According to 15 USC 1681i 5 they are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information.

A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be in accurate or incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete the item of information from the file of the consumer ; or modify that the item of information as appropriate, based based on results of the reinvestigation ; and promptly notify the furniture of the information information that the information has been modified or deleted from the file of the consumer. 
And according to this law, they are supposed to provide me a description of the investigation, according to 15 USC 1681i ( 7 ) description of reinvestigation procedure paragraph ( 6 ) ( B ) ( iii ) but not later than 15 days after receiving a request from the consumer for that description. But they did not do that as well either.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-03-18 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: DC

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 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: LA

Complaint narrative:
XXXX XXXX XXXX am writing to inform you that I am a victim of a data breach or fraudulent information, as per the provisions outlined in FCRA Sections 605B, 615 ( f ), and 623 ( a ) ( 6 ). This letter serves as a formal request for the permanent removal of fraudulent information resulting from unauthorized items, incorrect addresses, and inaccurate names appearing on 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report. 

I have reported this incident to the Federal Trade Commission and have attached a copy of the filed complaint to this letter. 
Enclosed, you will find a copy of the relevant FCRA sections, particularly FCRA 605B ( 15 U.S.C.

1681c-2 ), emphasizing the immediate removal of information identified by the consumer as fraudulent, not later than 5 business days from the receipt of such notice.

Moreover, under 15 U.S. Code 1692e ( False or Misleading Representations ), I request that Equifax notate these disputed items as " in dispute '' or " consumer disagrees '' within 30 days. 

Please see the attached file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
CCS COLLECTIONS through their agents, employees, representatives, has committed aggravated XXXX XXXX 
They have obtain my non public personal financial information without my authorization or consent. I have never done business with them, do not have any contract with them and they opened an account in XX/XX/2022 and reported this account to my consumer report. 
There is no Privity of contract. CCS COLLECTIONS through, their agents, employees, representatives are attempting to extort me for money ( payment ) which is a crime under title XXXX of the United States XXXX. I did not receive any notices from them as required by the Fair Debt Collection Practices Act. They also do not have Proof of the existence of this alleged debt and outstanding balance, proof of a contract verifying CCS COLLECTIONS can legally collect, and proof that CCS COLLECTIONS is the current holder of the instrument which created the debt with my original blue ink signature. 
CCS COLLECTIONS is violating the " holder in due course '' clause pursuant to XXXX XXXX XXXX XXXX ( a ) ( XXXX ). 
A debt can't be transferred or sold when past due or in notice of dispute. This fraudulent account on my credit report has made my score plummet and this is causing so much damage. I refuse to pay any debt to CCS COLLECTIONS and I do not consent or authorize for CCS COLLECTIONS to have access to my nonpublic personal information as they are third parties and I never did business with them. 
Additionally, I contacted XXXX XXXX and they have no record of me owing them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
In XXXX XXXX XXXX I took out a loan to install some heat pumps in my house. The total was approximately {$2200.00}. I was informed that the loan was to be interest-free for XXXX months, at which time I would be charged the typical exorbitant rate. I was never informed that this interest would be retroactive to loan origination date and was led to believe I would be charged interest on loan balance, as I have on every other loan or credit card I have ever used with a promotional rate. After XXXX  months my loan balance was down to {$7700.00}. On my next statement I was assessed and interest payment of {$8300.00}! I have contacted the bank and was told I should have read my statement more carefully. In hindsight I should have but I never would have believed that this practice and I had never encountered this type of loan in my life and still can not believe that this practice is legal and it is certainly not ethical. I made every payment on time and never expected the astronomical fee.I feel violated.

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 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX. I went to business/wellsfargo making a deposit on XXXX $ with a cashiers Check of {$900.00}. The monetary amount was stolen.i requested every bill that if XXXX and XXXX to tb returned and the tell be counted. When they decided to close my account and have disconnect the pin pad. 

There fore my money was taken and not deposited by the bank or teller. I read here where you help in the basis and recovery of that of money stolen by banks or its counter parts

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