vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-06 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: LA

Complaint narrative:
I am writing to request the immediate blocking and deletion of a fraudulent account that has appeared on my credit report. As a victim of a data breach, I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have this unauthorized account removed. 
The account in question is as follows : XXXX  XXXX Account Number Ending in XXXX Opened : XX/XX/2022 Amount : {$0.00}

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
Consumer complaint received 2024-11-06 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: OH

Complaint narrative:
Ive recently received a copy of credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-11-06 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: OH

Complaint narrative:
Ive recently received a copy of credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ZWICKER & ASSOCIATES
State: GA

Complaint narrative:
I, XXXX XXXX, am filing a formal complaint against Zwicker & Associates, P.C., acting as a debt collector on behalf of XXXX XXXX for a purported debt amounting to {$2100.00}. I am disputing the validity of this debt as no verifiable documentation has been provided to substantiate it, and I have yet to receive a signed contract containing both my authentic signature and my full Social Security number. My concerns, in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), compel me to request Zwicker & Associates, P.C. verify this alleged debt in a clear and definitive contractual agreement, which they have yet to provide. 

In adherence to my rights under the FDCPA and other relevant consumer protection laws, I have previously requested validation of this debt from Zwicker & Associates, P.C. However, the response has been insufficient, failing to establish a legally binding contract signed by me or to present substantive evidence of my consent or obligation to this debt. I hereby assert my right to full verification as Zwicker & Associates, P.C. has not met the standard required by law to validate this claim. Should Zwicker & Associates, P.C. persist without providing a legally recognized, enforceable contract, it may be subject to litigation for misrepresentation, fraud, and potential violation of federal consumer protection laws. This noncompliance and harassment through unverified debt collection practices will warrant a federal lawsuit, and I am prepared to proceed if no compliance is met. 

Furthermore, I hereby demand that arbitration proceedings, in accordance with XXXX XXXX 's standard contractual clauses for arbitration, be established as an alternative dispute resolution. Zwicker & Associates, P.C. has failed to honor arbitration options, which are typically outlined in consumer agreements with XXXX XXXX, further violating my consumer rights and disregarding standard procedural fairness. This ongoing misconduct suggests a willful disregard for both consumer protection statutes and XXXX XXXX own policies on debt dispute resolution. 

Given the nature of Zwicker & Associates, P.C. 's behavior, I respectfully request that the CFPB investigate this debt collection agency 's practices under the Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) standards, especially in light of Zwicker & Associates, P.C.s refusal to present evidence of a binding contractual obligation or offer arbitration per standard industry practice. 

In summary, I demand that Zwicker & Associates, P.C. immediately cease collection efforts until they can substantiate this alleged debt through legally acceptable means, specifically a signed contractual agreement containing my full Social Security number. Failure to provide these materials will confirm my intent to seek judicial relief, including damages for violations of consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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: ND

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. 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 proof of my identity and my Proof of Address.

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 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: ND

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. 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 proof of my identity and my Proof of Address.

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 2024-11-06 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-11-06 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: NY

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( 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 non-monetary relief
Consumer complaint received 2024-11-06 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: MD

Complaint narrative:
I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and 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 non-monetary relief
Consumer complaint received 2024-11-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Suncoast Financial Group, LLC
State: SC

Complaint narrative:
On XX/XX/year> I was contacted by XXXX XXXX through voicemail and a text message that threatened to call a probation XXXX if I did not return the vehicle If XXXX not mistaken a finance company threatening to contact your probation XXXX solely because you haven't returned a vehicle could be considered a form of harassment and potentially illegal, as it could be seen as an improper attempt to leverage your probation status to collect a debt ; consult with an attorney to fully understand your rights and options in this situation. Highly illegal... .look it up There was also a voicemail left from the same number that they claimed has no association with them. Demanding the car back and stating the same thing that was in the text Attached to refresh your memory XXXX has been transcribed XXXX I said... highly illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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: LEXISNEXIS
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX To : LexisNexis, XXXX XXXX  This IS NOT A DISPUTE : This is a rather a request for a Method Of Verification where the following items should be provided to ensure the validity of the item ( s ). 

This is also a Identity Theft Issue.

( Please Provide ) 1. The name of the court representative you spoke with.

2. The Court address and telephone number.

3. The person 's name they verified the dispute with 4. The documentation used to verify the dispute. 

( Method Of Verification For ) XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ), Docket No XXXX & XXXX & XXXX ( Method Of Verification For ) XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) Docket # XXXX ( Method Of Verification For ) XXXX XXXX XXXX XXXX XXXX acct # XXXX 15 USC 1681 602 A. States I have the right to privacy.

15USC 1681 Section 604A, Sec A : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 11681c ( a ) ( 5 ) Section States : no consumer agency may make any consumer report containing any of the items of information. any other adverse item of information, other than records of convictions of crimes which antedates more than seven years. 
15 USC 1681s-2 ( A ) ( 1 ) A persona shall not furnish any information relating to a consumer to any consumer reporting agency person knows or has reasonable cause to believe that the information is inaccurate. 

A victim of identity theft, the information listed which appears on my credit report, does not relate to any transactional that I have made. It is the result of identity theft. This is why I am requesting A Method Of Validation. 

I have requested validation several times, and I continue to receive a letter stating verified without the information I'm requesting. I'm simply trying to get to the bottom of this inaccurate information. 

Attached is a letter from the XXXX XXXX XXXX  that states they are not Furnishers Nor Are They Verifiers, so therefore I am asking who did you verify this information with. I'm producing my letter written directly to me ; so what letter of verification to you have?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 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:
There are accounts on my credit report linked to ongoing litigation, which are currently unresolved

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-11-06 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: GA

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries on my credit report, as I have been a victim of a data breach and subsequent identity theft. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ) at 15 U.S.C. 
1681c-2 ( a ), I am seeking to have the following unauthorized accounts and inquiries removed from my credit file. 
Fraudulent Accounts XXXX. XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX XXXX. XXXX XXXXXX/XX/XXXXXXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XX/XX/XXXXXXXX : XXXX - Filed : XX/XX/XXXX - Balance : {$0.00}XX/XX/XXXX Case Number : XXXX - Filed : XX/XX/XXXX - Balance : {$0.00} Fraudulent Inquiries XX/XX/XXXX Date : XX/XX/XXXXXX/XX/XXXXDate : XX/XX/XXXXXX/XX/XXXX- Date : XX/XX/XXXXXX/XX/XXXX - Date : XX/XX/XXXXXX/XX/XXXX- Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 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: GA

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries on my credit report, as I have been a victim of a data breach and subsequent identity theft. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ) at 15 U.S.C. 
1681c-2 ( a ), I am seeking to have the following unauthorized accounts and inquiries removed from my credit file. 
Fraudulent Accounts XXXX. XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXXXXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX - Filed XXXX XXXX - Balance XXXX XXXX XXXX XXXX XXXX Case Number : XXXX - Filed : XX/XX/XXXX - Balance : {$0.00} Fraudulent Inquiries XXXX XXXX XXXX  - Date : XX/XX/XXXXXXXX XXXX  - Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  - Date : XX/XX/XXXXXXXX XXXX XXXX  - Date : XX/XX/XXXXXXXX XXXX - Date : 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 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing this correspondence to request the removal of outdated or inaccurate personal information from my credit report. I have reviewed my credit report and identified the following outdated information that needs to be corrected or removed : Incorrected Names : XXXXXXXX XXXX Outdated Addresses : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  FL XXXX XXXX XXXX XXXX XXXX, FL XXXX Outdated Employment Information : No longer at these employers. 

XXXXXXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), specifically Section 605, information that is outdated or unverifiable must be removed from my credit report. This includes addresses, employment details, and phone numbers that are no longer relevant or accurate. 

I request that you investigate and correct these inaccuracies promptly. If you are unable to verify any of this information within the required 30-day investigation period, please ensure that it is removed from my credit report, in accordance with the law. 

Please provide me with a written confirmation of the changes made to my credit file or a statement indicating why certain items may not have been removed. I attached a copy of current lease with my correct address, and it also has the correct spelling of my name. 

Thank you for your attention to this matter. If you need any additional information from me to process this request, please feel free to contact me via email at 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 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing this correspondence to request the removal of outdated or inaccurate personal information from my credit report. I have reviewed my credit report and identified the following outdated information that needs to be corrected or removed : Incorrected Names : XXXXXXXX XXXX Outdated Addresses : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX Outdated Employment Information : No longer at these employers. 

XXXXXXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), specifically Section 605, information that is outdated or unverifiable must be removed from my credit report. This includes addresses, employment details, and phone numbers that are no longer relevant or accurate. 

I request that you investigate and correct these inaccuracies promptly. If you are unable to verify any of this information within the required 30-day investigation period, please ensure that it is removed from my credit report, in accordance with the law. 

Please provide me with a written confirmation of the changes made to my credit file or a statement indicating why certain items may not have been removed. I attached a copy of current lease with my correct address, and it also has the correct spelling of my name. 

Thank you for your attention to this matter. If you need any additional information from me to process this request, please feel free to contact me via email at XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 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: MD

Complaint narrative:
I'm writing to communicate my XXXX  in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

Company response to consumer: Closed with non-monetary relief