vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-22 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: NY

Complaint narrative:
Since last year XXXX and up until now i received over XXXX inquiries but i was in the hospital since XXXX  XXXX/2023XX/XX/year>

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 2024-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CLGF Holdco 1, LLC
State: MN

Complaint narrative:
I recently applied for XXXX XXXX XXXX, credit card accounts and XXXX XXXX continues to deny my credit card applications for credit due to poor performance on another account with creditor. All the previous credit card accounts, I had with XXXX XXXX, had fraudulent charges and transactions on the accounts, which XXXX XXXX didnt hold me responsible for the fraudulent charges. XXXX XXXX is denying me credit to get a Destiny Mastercard, Milestone Mastercard and Indigo credit card account due to the previous accounts having fraudulent transactions and charges on the accounts, which wasnt my charges or transactions. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/year>, XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed 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 explanation
Consumer complaint received 2024-09-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
This Debt has been gained through Identity theft 18 USC1028A ( AGGRAVATED IDENTITY THEIFT ) Also In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
4. Proof that the original creditor securitized the debt. 
5. Documentation showing 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 provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX I received a deposit of {$9000.00}, this deposit was from my dads XXXX retirement account. After beginning to transfer the money to my father, a series of charges started to appear and were appearing repeatedly, these transactions prefer a company called XXXX, I tried freezing my debit card, but the transactions were still able to get through and bill my account. These charges continued on from XX/XX/XXXX through XX/XX/XXXX. I filed a claim on XX/XX/XXXX with Chase. The lady insisted that we could not file a claim all the charges at this time due to the reason that they were still pending on the account and I had to wait until they posted. as I waited for them to post more charges were appearing and that you continued to appear finally I called the bank again and they closed my card altogether. Once again you issued me a new card and had me change my new login ID after doing so that seemed to have worked XXXX days go by in the first claim that I filed was denied. I filed a claim once again and even submitted a email that I had received from the company stating that I dont have an account with them and I did not make these transactions and that my identity couldve been compromise after submitting these documents they still continued to deny my claim after being told that my claim was denied once again. The man on the phone insisted that they were mailing the documents to me regarding the reason I never receive those documents so I called them again on XX/XX/XXXX still was told that there was nothing they can do in that my claim was denied and still would not tell me the reason. The claim that I filed whats for the total amount for {$2500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 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: MS

Complaint narrative:
I am a victim of identity theft ( SEE ENCLOSED 605B IDENTITY THEFT REPORTS ). I have no knowledge of the accounts contractual agreement with the accounts listed below. Transunion, XXXX, and XXXX did not provide the mandated documents required by the Fair Credit Reporting Act and Fair Credit for the accounts listed below : Transunion, XXXX, and XXXX has not established evidence of lawful debt or the authenticity or accuracy of a piece of evidence of a lawful binding contract with me namely full disclosure creating credit or specific information such as the original contract ( a statement or photocopy is not a contract pr automated verification ) with my signature supposedly agreeing to payment terms or proof of period billings statements according to FCBA 1666b to report late payments. No proof of contract or statements means no authority to report or collect from me ensuring maximum possible accuracy according to FCRA 607 ( b ). 
XX/XX/XXXX The Fair Credit Billing Act 1666b requires XXXX, XXXX, and Transunion to have physical proof that statements were delivered to my address at least 21 days before the billing period ends. NOT REPORTING 100 % ACCURATE INFORMATION AS REQUIRED BY SECTION 609 OF the Fair Credit Reporting Act. Change statues from late to paid as agreed on time. 
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 non-monetary relief
Consumer complaint received 2024-09-22 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX inaccurately on my experian report. It has not been updated since XX/XX/year>. The new balance is {$1400.00} as of XX/XX/year>. I ask that this be updated immediately. 

XXXX XXXX XXXX is listed inaccurately. The balance on this account was reduced and I only owe {$740.00} per our agreement. I can submit the letter that was forwarded to me. 

XXXX XXXX XXXX XXXX XXXX have reached out to ask this company what this is but have not received any type of validation or verification. I do not know what this is. It does not list the original creditor. It shows the status updated on XX/XX/year> and last paument made on XX/XX/year>, however, I have not made a payment because I do not know what this is. It says it was transferred and closed. I ask that this be removed because it has been more than XXXX  days and I have not received any type of correspondence stating what this is. 

XXXX XXXXXXXX Is listed inaccurately. I have reached out to the number provided on my report and requested written validation and verification but have not received anything from this company. I ask that it be removed as no verification or validation was sent within XXXX days and additional time to verify/validate has not been requested from this company. Please remove immediately. 

XXXX XXXX is listed inaccurately. It shows the original limit at {$850.00} but they are listing that I owe {$2500.00}. I have asked for verification and validation of this debt including all statements, agreements, monthly bills and have not received anything. They just keep sending emails requesting payment but they have not sent any information as to what the debt is. I ask that this be removed because they are not complying by sending the requested information. 

I keep receiving emails from collection agency true accord regarding an account XXXX. I sent a certified letter to them requesting validation and verification of the debt. They first claimed that they did not have an account for me back in XXXX then they responded in XX/XX/XXXX that they are still looking into it. It has been about XXXX months since I have heard anything. If any of the accounts listed above are in their possession, they should be removed at once because verification and validation have not been completed. I ask that they also stop all debt collection as they have not been able to verify any of the debts therefore anything pertaining to them should be removed and if it is not listed on my cvredit, they should not be able to list anything on my credit.

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 2024-09-22 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: OH

Complaint narrative:
am filing a formal complaint against Equifax Information Services LLC for their violations of the Fair Credit Reporting Act ( FCRA ), specifically their failure to remove fraudulent accounts and unauthorized inquiries from my credit report. Despite notifying Equifax multiple times about identity theft and providing supporting documentation, they have failed to comply with their legal obligations under the FCRA. 

I am a victim of identity theft, and multiple accounts have been fraudulently added to my Equifax credit report. I have never opened these accounts, and they were not authorized by me. Equifax has failed to remove these accounts and unauthorized inquiries despite being notified, in violation of the following FCRA provisions : 15 U.S.C. 1681c-2 : Requires credit reporting agencies to block the reporting of information that the consumer identifies as fraudulent due to identity theft. 
15 U.S.C. 1681i : Requires the credit reporting agency to conduct a reasonable reinvestigation when a dispute is raised regarding the accuracy of information in the consumers file. 
These accounts were added fraudulently, and I demand their removal. Despite providing Equifax with proof of identity theft, including my Identity Theft Report filed with the Federal Trade Commission ( FTC ) and a police report, Equifax has refused to take corrective action. 
Equifaxs failure to block or remove these fraudulent accounts and inquiries from my credit report constitutes a clear violation of their obligations under the FCRA, including : Failure to block fraudulent accounts under 15 U.S.C. 1681c-2. 
Failure to reinvestigate and remove inaccurate information under 15 U.S.C. 1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-22 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: TX

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 ( e ) ( b ). 
Account name : XXXX XXXX, has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 ( e ) ( b ). 
Account name : XXXX XXXX, has violated my rights. 

I looked at my XXXX  credit report on XX/XX/scrub>XXXX XXXX XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-23 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: SC

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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. 

Also Known As : XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, SC XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, SC 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 2024-09-22 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: Eagle Financial Services, Inc.
State: IN

Complaint narrative:
I got a loan with Eagle finance in XXXX which was paid in full never late. At some point someone other than me renewed the loan. The address, signature, employer were not mine, and I do not recognize them. They attempted to get a default judgement in a different jurisdiction with out me being aware. When I found out I got the default judgement set aside. They refilled where I actually live with a bogus contract. The signature does not even resemble mine. Im unsure if it is contract fraud or identity theft. I provided a notarized FTC identity theft affidavit and a police report. I offered to pay stating the debt wasnt mine but Id rather pay them the {$2000.00} and change they claim I owe than pay it to an attorney and potentially have to pay them both. They explained they already had a default judgement and would make more collecting off of that. They served an employer that isnt even mine with wage garnishment paperwork. They should have had my real information from when I actually applied for a loan, but they used whatever the identity thief provided instead. The default judgement was set aside and they moved to the county I actually reside in and they started the process of trying to get a default judgement. Incorrectly, citing trial rules that do not apply. We will go to court XX/XX/XXXX to try and resolve this. At this point they are trying to collect on a debt not owed, that they have been notified was fraud. They are negatively reporting. What they are doing is abusive, and from XXXX reports looks like a common practice. It is their responsibility to validate the debt, and report accurately. So far they have provided chicken scratches on one of their contract forms that dont even come close to resembling my authentic signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: TOWNEBANK
State: NY

Complaint narrative:
I am writing to formally dispute the illegal repossession of my vehicle and the unauthorized disclosure of my personal information by Townebank. These actions are in clear violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692f, which prohibits unfair or unconscionable practices in the collection of debts. On XXXX, my vehicle was repossessed by XXXX XXXX acting on behalf of Townebank. However, at the time of repossession, the proper procedures required for repossession had not been followed. I did not receive any communication on repossession of my vehicle. The last communication I received as I was trying to make a payment was on XXXX XXXX via email with a rep by the name of XXXX XXXX XXXX. I asked numerous times for a link to make a payment, and the rep continued to ask about when the next payment was going to made and refused to send a link. I have the email transcript if needed for verification purposes. The only thing she stated was that I needed to make a payment of XXXX by XXXX or to surrender the vehicle. Again, I asked numerous times for a link to make a payment in which I never received. After not receiving the link, I reached out to a lawyer to get guidance as I felt they were giving me the run around to make a payment and still repo my car. That same day I retained a bankruptcy lawyer due to my financial situation due to becoming XXXX  and the car being in 2 accidents in the month of XXXX of this year. I have not received any letter or correspondence from Townebank after that regarding the repossession of my car. Once the car was repossessed, I reached out to get a amount to pay to retrieve my vehicle back and was advised that in order for me to get the car back I would have to pay the remaining balance that was owed as well as where to retrieve my belongings out of the vehicle. The car would have paid off in less than a year. Prior to me XXXX XXXX  which caused my financial hardship I paid my car payment monthly. Under 15 U.S. Code 1692f ( 6 ), it is illegal to repossess property when there is no present right to possession, and I believe that this standard was violated in my case. Additionally, it has come to my attention that my personal information was disclosed to a third party without my knowledge or consent during this process. The disclosure of my information to unauthorized parties constitutes a serious violation of privacy laws, and I did not provide any permission for such disclosure. I demand an immediate investigation into this matter

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