vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I Called XXXX on XX/XX/XXXX ( dispute report # XXXX / CASE XXXX ) I Called Experian on XX/XX/XXXX ( XXXX, XXXX, XXXX ) I Called XXXX on XX/XX/XXXX ( dispute report # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) Personal Information : I requested that all non-mailable addresses and incorrect names/spellings be removed from my report. 

XXXX report # XXXX contained : XXXX non-mailable addresses, XXXX incorrect names Experian report # XXXX contained : XXXX non-mailable addresses XXXX report # XXXX contained : XXXX non-mailable addresses, XXXX incorrect name I requested all XXXX credit reporting bureaus remove all XXXX XXXX XXXX & charge offs ; These would now be considered Certificates of Indebtedness i.e., income and can not be reported. Per IRS Law. 

XXXX report # XXXX also has the incorrect account number for the charge off with the closed account with XXXX XXXX XXXX XXXX 

All XXXX agencies listed above have shared my information for solicitation/promotional purposes in which I did not authorize. In reviewing the reports, I found multiple instances where my information was shared without my consent : XXXX : XXXX Promotional Inquires XXXX : XXXX Promotional Inquiries Experian : XXXX Promotional Inquires When speaking with these agencies and advising them that they did not have my permission to share my information ; all responded that these are only soft inquires that did not hurt my credit. 

Sharing my personal information without my permission is a violation of the 1974 Privacy Act, 5 USC 522A ( b ) -Conditions of Disclosure, and 15 USC 6802. In addition, under 15 USC 6802 I have the right to opt o of any sharing of my information, which I have done so.

The inaccuracies regarding account numbers and personal information such as listing non-mailable addresses is a violation of 15 USC 1681.

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 2025-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account name : 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 XXXXXXXX has violated my rights. 




15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-01-09 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: MI

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and my SSN Card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: SC

Complaint narrative:
I am formal disputing the reinsertion of an account that had been removed as fraudulent due a direct results from data breaches. Under FCRA section 611 ( a ) ( 5 ) ( C ) which prohibits the reinsertion of previously disputed items disputed items without proper notification and documentation. No such documentation has been provided to me. Also this XXXX XXXX  account XXXX had been blocked due to result of identity theft caused by the data breaches. Accordance to FCRA section FCRA section 605B ( 15U.S.C. 1681c-2 ) explicitly requires credit agencies to block and remove fraudulent accounts and inquiries within 4 business days days upon receipt of proper documentation. I demand their immediate removal along with the removal of all fraudulent accounts which consist or XXXX XXXX  account number : XXXX bal. {$1300.00}, XXXX XXXX account number : XXXX bal. XXXX but charged off at {$9300.00}, and additionally I am disputing the following unauthorized inquiries XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX XX/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 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: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
First of all, all, of my information was apart of the XXXX data breach in which I had. Submit it to this company. Explain in my situation over the phone. And in writing an addition I have filed a dispute. Does echo facts experience and XXXX, I received nothing but pushback from all XXXX credit bureaus to no avail. Also I haven't received no respond from XXXX XXXX  company XXXX XXXX whatsoever .... In addition I am a victim of identity theft as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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:
Hello, I am writing to urgently inform you that my personal information has been compromised in a recent national data breach. Upon reviewing my credit reports, I discovered several unfamiliar accounts that appear to be associated with my name. In response, I have requested debt validation from the credit reporting agency, but to date, they have not provided the necessary information. As my personal data has been exposed, I have filed a formal complaint with the Federal Trade Commission ( FTC ) regarding the unfamiliar accounts. For your reference, I have attached the following documents : A copy of my ID The FTC complaint detailing the fraudulent activity A National Data Protection ( NPD ) report confirming the breach of my personal information The debt validation request letter I request your immediate attention to this matter and look forward to your prompt response. Thank you for your understanding and cooperation.

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 2025-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Recovery Solutions Group, LLC
State: CA

Complaint narrative:
Received many calls from a XXXX XXXX of RSG Collect. 

Requested executed agreements for amoutns owed and XXXX has only sent unexecuted agreements over. We never received any billing or amounts owed from his " client '' and were totally unaware of the debt. We tried to reach out the client to resolve any misunderstanding but he has not got in touch with us. 

XXXX XXXX XXXX has threatented to call our employees, suppliers and everyone tangential to our business. He has provided no paperwork or contract showing that we agreed to any of the amounts owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.

Any insurance claims been made by any creditor regarding this account.

Any Judgments obtained by any creditor regarding this account.

Name and address of alleged creditor.

Name on file of alleged debtor.

Alleged account number.

Address on file for alleged debtor.

Amount of alleged debt.

Date this alleged debt became payable.

Date of original charge off or delinquency.

Verification that this debt was assigned or sold to collector.

Complete accounting of alleged debt.

Commission for debt collector if collection efforts are successful.

Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: AR

Complaint narrative:
When handling my bankruptcy dispute, XXXX used flawed intake procedures and failed to accurately communicate all relevant details about disputes to the original furnisher which doesn't furnish credit reporting information. XXXX consistently accepted no response from the court as a response to these disputes without proper scrutiny, even when there was no response. That means their investigation was improbable, illogical, and contradicting because they had no reference to information reported on my consumer report. Another words XXXX 's furnishing techniques are unreliable. At the conclusion of the dispute investigation, XXXX sent notices that did not adequately inform consumers of the investigation 's results. Instead, the notices contained information that was confusing, ambiguous, inaccurate, or inconsistent, leaving consumers without a clear understanding of the outcome.

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 2025-01-09 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: FL

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: OH

Complaint narrative:
Request for Removal of Fraudulent Accounts from Credit Report To Whom It May Concern, I am writing to dispute the inclusion of the following accounts on my credit report, as they are the result of fraud. These accounts were opened while I was incarcerated and unable to engage in any financial activity. 

The fraudulent accounts in question are : XXXX XXXX XXXX XXXX : {$200.00} Opened : XX/XX/XXXX XXXX XXXX XXXX : {$140.00} Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX : {$1000.00} Opened : XX/XX/XXXX I am requesting the immediate removal of these accounts from my credit report, as they were opened without my authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: OH

Complaint narrative:
Request for Removal of Fraudulent Accounts from Credit Report To Whom It May Concern, I am writing to dispute the inclusion of the following accounts on my credit report, as they are the result of fraud. These accounts were opened while I was incarcerated and unable to engage in any financial activity. 

The fraudulent accounts in question are : XXXX XXXX XXXX XXXX : {$200.00} Opened : XX/XX/XXXX XXXX XXXX XXXX : {$140.00} Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX : {$1000.00} Opened : XX/XX/XXXX I am requesting the immediate removal of these accounts from my credit report, as they were opened without my authorization.

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 2025-01-09 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: MO

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am filing a complaint because Experian has failed to correct inaccuracies in my credit report regarding a charge-off account that is listed twice. The account is showing late payments of 60 days late in XX/XX/XXXX and 120 days late from XX/XX/XXXX through XX/XX/XXXX. However, the report shows no payment history prior to XX/XX/XXXX, making this reporting inconsistent and inaccurate. 

Timeline : On XX/XX/XXXX, I disputed the errors on my credit report with Experian by mailing a dispute letter. 
The XXXX investigation period ended on XX/XX/XXXX, but Experian did not provide any updates or corrections. I called Experian monthly from XX/XX/XXXX through XX/XX/XXXX. I sent another dispute letter stating Experian never provided an update on the investigation not did they remove the duplicate and inaccurate information. 
After following up with Experian on XX/XX/XXXX, I still did not receive a resolution, and the information remains unchanged.

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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I do not have a contract nor did I authorize the company to obtain my information, my rights to privacy were violated under the FDCPA & FCRA

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: North American Credit Services
State: GA

Complaint narrative:
I will not be paying North American Credit services any money. I Don't owe a debt collector any money. I have health insurance. THEY are in violation of FDPA and I will continue to fill compliants.

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 is not yours
Company: Opportunity Financial, LLC
State: NV

Complaint narrative:
I am writing to file a formal complaint against Opportunity Financial for violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Opportunity Financial is reporting an account on my credit report that I dispute, and they have failed to validate the alleged debt as required by federal law.

Details of the Complaint : Failure to Validate Debt : Under 15 U.S.C. 1692g of the FDCPA, consumers have the right to request validation of alleged debts. I have requested that Opportunity Financial validate the debt by providing documentation that verifies its legitimacy, including proof of the original agreement, the amount owed, and evidence linking the debt to me. To date, they have not provided sufficient validation of this debt, violating federal regulations.

Improper Credit Reporting : Opportunity Financial continues to report this disputed and unvalidated debt to the three major credit bureaus ( XXXX, XXXX, and XXXX ). This is a violation of 15 U.S.C. 1681s-2 of the FCRA, which requires furnishers of information to ensure the accuracy and integrity of the data they report. Reporting a debt without validation constitutes inaccurate and misleading reporting.

Harm Caused : The improper reporting of this unvalidated debt has negatively affected my credit score and financial standing, caus
ing undue stress and limiting my access to credit opportunities.

Relief Requested : I request that Opportunity Financial immediately validate the debt in compliance with the FDCPA. This includes providing detailed documentation verifying the debt, identifying the original creditor, and confirming the amount owed. 

If the debt can not be validated, I request the immediate removal of the account from all three major credit bureaus.

I request written confirmation from Opportunity Financial stating that the account has been removed or, if validated, providing all supporting documentation.

Proposed Resolution : To resolve this issue, Opportunity Financial must comply with federal laws by either validating the debt or removing the account from my credit reports. Failure to address this matter appropriately may result in additional complaints to the Federal Trade Commission ( FTC ) and potential legal action to protect my rights under the FDCPA and FCRA.

I kindly request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and ensure that Opportunity Financial adheres to all laws governing debt collection and credit reporting. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation