vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: DE

Complaint narrative:
I am writing to file a formal complaint against SWC Group regarding their handling of a purported debt on my credit report. I have recently discovered an entry on my credit report from your agency, which alleges that I owe a debt of {$120.00}. I have not received any prior notification regarding this debt, nor have I been given an opportunity to address the account before it was reported to the credit bureaus. 

According to the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to provide consumers with written notice of a debt within five days of initial contact. This notice should include information about the debt, including the name of the creditor, the amount owed, and the consumer 's rights to dispute the debt. However, I have not received any such notification from your agency. 

Furthermore, I assert that I have not been given a fair opportunity to address the account before it was reported to the credit bureaus. As a consumer, I have the right to verify the accuracy of any debt reported on my credit report and to dispute any inaccuracies. However, your agency has failed to provide me with this opportunity. 

In accordance with my rights under the FDCPA, I hereby request that you provide me with the Certified Mail Receipt containing my signature, which purportedly confirms that proper notification was sent to me. Additionally, I request that you provide me with detailed information about the alleged debt, including the name of the original creditor, the date of default, and the specific charges being claimed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 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: TX

Complaint narrative:
Several things to address in this complaint. 

1. I sent a certified letter to Equifax- on XX/XX/2024 noting several violations of the Fair Credit Reporting Act ( FCRA ). 

2. XXXX knows and has notified me that my information was leaked on the Dark Web and I've advised them I'm a identity theft fraud victim. I also enclosed the dark web leak in the attachments I am also a victim of the Equifax data leak. I've included attachments showing both are true. 

3. In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

4. Also in their response they stated " We were unable to locate a credit file in our database with the identifcation information you provided, in order to further assist you, we will need additional documents to verify your identification. '' However they not only located my credit profile but on XX/XX/2024 my dispute was submitted prior to them sending me a letter on XX/XX/2024 stating they couldn't locate my file and then completed the dispute without me sending them any supportng information at all. I didn't send them any supporting documentation until XX/XX/2024. Ive included the attachments for reference. 

1. 15 USC 1681 Section 602A 2. 15 USC 1681 Section 604 A section 2 3. 15 USC 1681c ( a ) ( 5 ) 4. 15 USC 1681s-2 ( a ) ( 1 ) 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I ordered an electronic American Express Gift Card on XXXX XX/XX/XXXX for the amount of {$320.00}, paid a total of {$320.00}, order number XXXX. I received the email that's supposed to contain the card information ( number, expiration dates, etc ) within a few hours, but there was no card number in there. There was a link to View and Print this Card, but when I clicked on it, it only took me to the Check Balance page of the AMEX gift card website, where I was supposed to enter the card information, which I don't have. I've requested the eGiftCard email to be sent to me multiple times after, including to different email addresses, but the same thing happened every time. I called customer service on XXXX XX/XX/XXXX, and they were not helpful at all, kept giving me different ways to receive the same email that doesn't contain the card information I need. I then requested that they just give me the card info over the phone, but their procedure does not allow them to do that. After a long phone call, I requested a refund, but they refused to refund, telling me that I need to wait XXXX hours to try to request another email. I've been receiving the same email for the last several weeks, and they never included the info I need.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 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: I.C. System, Inc.
State: OR

Complaint narrative:
XXXX XXXX DOB : XX/XX/XXXX LAST 4 of SSN : XXXX Account Number XXXX XXXX XXXX XXXXXXXX XXXX, OR XXXX XX/XX/XXXX Consumer Financial Protection Bureau po box 27170 Washington, DC 20038 To whom this may concern, I am writing to file a formal complaint against I.C. SYSTEM, INC for multiple violations of consumer protection laws listed below : Failure to Provide Validation Information : I.C. SYSTEM, INC has placed a collection on my consumer report without providing validation information as required by 12 CFR 1006.34 ( b ) ( 5 ). 
Denial of Dispute Rights : I have not been given the chance to dispute the account in question, contravening 12 CFR 1006.34 ( c ) ( 4 ) ( i ). 
Use of False, Misleading, and Deceptive Means : I.C. SYSTEM, INC has engaged in false, misleading, and deceptive practices, violating consumer rights. 
Failure to Provide Required Disclosures : The agency has furnished the account to consumer reporting agencies without providing necessary disclosures, violating 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). 

I urge protect consumer rights do a thorough investigation and appropriate action to ensure compliance with federal regulations. 

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 explanation
Consumer complaint received 2024-03-12 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: Account Managers, Inc.
State: WA

Complaint narrative:
This company orchestrated escalation directly contravenes the Fair Credit Reporting Act ( FCRA ), notably 15 U.S.C 1681. The provided list of accounts, specifically Grimm Collections ( XXXX  XXXX ), has been flagged for violating federally protected consumer rights to privacy under 15 U.S.C 1681 section 602 A. Furthermore, the company 's actions are inconsistent with the provisions outlined in 15 U.S.C 1681 section 604 A Section 2, prohibiting a consumer reporting agency from furnishing an account without written instructions. Additionally, 15 U.S.C 1681c ( a ) ( 5 ) Section specifies that a consumer reporting agency may not include any adverse information, except for records of convictions, that antedates the report by more than seven years. I have never done any business with this company and they DO NOT HAVE MY Written Instructions I HAVE MADE A POLICE REPORT THIS IS A OPEN ACCOUTN

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 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: IL

Complaint narrative:
I have been a victim of identity theft and I have sent out multiple letters and reports from the ftc in which I was prompted to provide. These letters and FTC reports were sent out on XX/XX/2024 and I have yet to hear back from XXXX, Experian, or XXXX. This dispute was not done in error and it is coming from myself XXXX XXXX and not a third party. I need these unauthorized accounts and inquiries removed immediately because they do not belong to me AND I DID NOT GIVE MY CONSENT TO OPEN OR FURNISH THESE ACCOUNTS TO MY CREDIT REPORT. my information was breached in the XXXX data breach as well as experian and transunion data breach. It's been well over 30 days and it's now A MUST YOU DELETE AND REMOVE ALL DISPUTED ITEMS IMMEDIATELY!! MY DRIVERS LICENSE IS ON EVERY LETTER AND MY PROOF OF ADDRESS IS ATTACHED

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 2024-03-12 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: OR

Complaint narrative:
XXXX XXXX XXXX : XX/XX/XXXX LAST XXXX of XXXX : XXXX Account Number XXXX XXXX XXXX XXXX XXXX, OR XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX To whom this may concern, I am writing to file a formal complaint against XXXX XXXX XXXX for multiple violations of consumer protection laws listed below : Failure to Provide Validation Information : XXXX XXXX XXXX has placed a collection on my consumer report without providing validation information as required by 12 CFR 1006.34 ( b ) ( 5 ).

Denial of Dispute Rights : I have not been given the chance to dispute the account in question, contravening 12 CFR 1006.34 ( c ) ( 4 ) ( i ). 
Use of False, Misleading, and Deceptive Means : XXXX XXXX XXXX has engaged in false, misleading, and deceptive practices, violating consumer rights. 
Failure to Provide Required Disclosures : The agency has furnished the account to consumer reporting agencies without providing necessary disclosures, violating 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ).

I urge you to protect consumer rights. Do a thorough investigation and appropriate action to ensure compliance with federal regulations. 

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 2024-03-12 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: OR

Complaint narrative:
XXXX XXXX XXXX : XX/XX/XXXX LAST XXXX of XXXX : XXXX Account Number XXXX XXXX XXXX XXXX XXXX, OR XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX Washington, DC XXXX To whom this may concern, I am writing to file a formal complaint against XXXX XXXX XXXX for multiple violations of consumer protection laws listed below : Failure to Provide Validation Information : XXXX XXXX XXXX has placed a collection on my consumer report without providing validation information as required by 12 CFR 1006.34 ( b ) ( 5 ).

Denial of Dispute Rights : I have not been given the chance to dispute the account in question, contravening 12 CFR 1006.34 ( c ) ( 4 ) ( i ). 
Use of False, Misleading, and Deceptive Means : XXXX XXXX XXXX has engaged in false, misleading, and deceptive practices, violating consumer rights. 
Failure to Provide Required Disclosures : The agency has furnished the account to consumer reporting agencies without providing necessary disclosures, violating 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ).

I urge you to protect consumer rights. Do a thorough investigation and appropriate action to ensure compliance with federal regulations. 

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 explanation
Consumer complaint received 2024-03-13 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: CA

Complaint narrative:
It seems that FCRA 605B necessitates the elimination of any inaccurate accounts from my credit report. Could you kindly verify the documents? Certain listed accounts appear to be inaccurate, and it's unsettling for me.

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 2024-03-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity 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 2024-03-12 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: NJ

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity 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 2024-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
XX/XX/XXXX XXXX deposited a check any amount of XXXX which stated it was clear XXXX on XX/XX/year> and on XX/XX/XXXX XXXX would be released my first question is where is the other {$220.00} go?? Then when I checked my account they said they were going to hold the check until the XXXX today is XXXX the XXXX I then check the account and find out that they're going to hold the check until the XXXX. What is really confusing me is that the money was taken out of the person 's account on XXXX the XXXX 2024. Why is the bank holding funds that you already got the money for not only are you holding it but you extended the hold after they already received the funds.

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 2024-03-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: ENOVA INTERNATIONAL, INC.
State: OH

Complaint narrative:
I don't know how much it was for or the dates and they will not give it to me, they said that a internet payday loan was taken out in my name with my social security number. I myself did not submit this payday loan, however my ex-boyfriend did under my name and false pretenses, he also is in default with them and I'm having issues getting them to confirm any information on the loan. Not to mention this loan is from back in XXXX to XXXX not sure exactly when.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Chime Financial Inc
State: OK

Complaint narrative:
On XXXX XXXX, I received an email from a company called Chime with whom I have no relationship. It indicated that a card had been mailed. I have never had a relationship with this company and I did not open an account with them. It was impossible to get someone on the line, and they do not allow the account to be closed without a phone call. Someone used my actual information, including social security number, phone number, and a years-old address to open the account. They refused to close the account unless I provided verifying information, which is a problem, because what if it was an elaborate phishing attempt? Looking at XXXX, this has happened to thousands of people, with accounts with this company being opened in their name without their knowledge, using their actual information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation.

Validate/inaccurate reported late payments. 
XXXX XXXXXXXX XXXX  Account Number : 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 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: PA

Complaint narrative:
I am writing to address a concerning issue regarding the reporting of a bankruptcy record associated with my identity. My name is XXXX XXXX XXXX, and I am a subject of the bankruptcy case referenced as " XXXX XXXX XXXX '' ( Case No : XXXX ). This discrepancy in the spelling of my name has led to the inaccurate reporting of the bankruptcy on my credit report. 

On XX/XX/2024, I received a response from LexisNexis regarding a dispute I raised concerning the inaccurate reporting of a bankruptcy record. In your response, LexisNexis verified the bankruptcy record ( Case No : XXXX ) associated with my identity, citing that the bankruptcy was accurately reported based on information obtained from the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). 

However, it has come to my attention that the bankruptcy record erroneously spells my name as " XXXX XXXX XXXX. '' I have attached supporting documents, including a copy of the bankruptcy record, where my name is incorrectly spelled, and my official identification documents confirming the correct spelling of my name as " XXXX XXXX XXXX. '' The discrepancy in the spelling of my name is significant and has resulted in the erroneous reporting of the bankruptcy on my credit report. As per the Fair Credit Reporting Act ( FCRA ), accurate reporting of consumer information is paramount, and any discrepancies, such as misspelled names, must be deleted. 

Therefore, I kindly request that LexisNexis takes immediate action to rectify this error by deleting the bankruptcy record associated with the misspelled name " XXXX XXXX XXXX '' ( Case No : XXXX ) from my credit report. This action is necessary to ensure the accuracy and integrity of my credit history. 

XXXX XXXX Enclosures : Copy of Bankruptcy Record ( highlighting misspelled name ) Copy of Official Identification Documents ( confirming correct spelling of name )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 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:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
There are other address and name indicated

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 2024-03-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Could you kindly review the documents? Certain accounts listed are incorrect, causing me discomfort.

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