vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX NC XXXXXXXX XXXXXX/XX/year> To Whom This May Concern, I have recently pulled my credit report and noticed that there is a collection listing your agency. I have never been notified of this collection action or that i owed the debt.

This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. 

Please attach copies of the following documents : XXXX. Agreement that you have authority to collect on this alleged debt. 
XXXX. Agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
XXXX. Complete payment history on this account, to prove that the amount you wish to collect is correct. 

I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company. 
Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: MD

Complaint narrative:
After reviewing my Consumer Reports, I noticed some late payments on reports for which I have always maintained on-time payments. Consumer Reporting Agencies play an important role in accurately reporting customer information. This information must be reported with utmost accuracy. I've never missed a payment with the following accounts : XXXX, XXXX, XXXX, and XXXXDept of Education . I request a thorough investigation into these discrepancies and urge you to provide evidence, demonstrating the lateness of these account payments. If you are unable to furnish this proof, I demand that these payments, be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligation without delay.

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 2024-12-20 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: NC

Complaint narrative:
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the accounts SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non compliance. Please DELETE this item from my consumer report

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 2024-12-20 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: GA

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2024-12-20 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXXXXXX  Account number XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC.
State: CT

Complaint narrative:
Company keeps calling trying to collect debt for a former ex-boyfriend of mine. They called from 2 different numbers, both leaving a voicemail detailing his name, and a callback number which differs from the original number called from. 
XX/XX/XXXXXXXX XXXX called from : XXXX call back XXXX XXXX XXXX XXXX called from XXXX XXXX, call back XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Someone was able to get ahold of my debit card which gained them access into my bank account and ACH Clearinghouse Information. They were then able to make withdrawls, change my pin, purchasing over XXXXXXXX XXXX in crypto which was then laundered to other accohnts and crypto companies. Wells Fargo Data Brrach then impacted my account into the negative. I filed claims against the charges and fraudulent purchases. Wells Fargo then sent me letters to respond the charges but only after my account was drained completely and then CLOSED on me to " protect '' the bank. This resulted in my claims being rejected for two reasons : XXXX Letters requesting information arrived well after deadline provided to respond. 
XXXX. The account was closed prior to resolution of the recovery and resolution of the matter which resulted in nit only trapping my funds anegatively impacting the balances and locking me out of my accounts which resulted to over {$35000.00} stolen from my XXXX XXXX XXXX and Investment account. 
XXXX. After filing with local law enforcement, XXXX XXXX, SEC and XXXX XXXX my account opened since XXXX  was terminated for Wells Fargo " safety '' and never received any compensation for my losses despite FDIC and Consumer Federal Banking Protections which are designed to protect me. Instead they continued to issue me debit cards and sent two to addresses that were not even mine without consent. I formally am demanding the reimbursement of my full amount of funds stolen and siphoned from my accounts. I am willing to provide all necessary information and documentation that validates and substantiates my demand for action and assertions. Thank you, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: MD

Complaint narrative:
After reviewing my Consumer Reports, I noticed some late payments on reports for which I have always maintained on-time payments which are causing me not to purchase a home. Consumer Reporting Agencies play an important role in accurately reporting customer information. This information must be reported with utmost accuracy. I've never missed a payment with the following accounts : XXXX, XXXX, XXXX, and XXXXDept of Education . I request a thorough investigation into these discrepancies and urge you to provide evidence, demonstrating the lateness of these account payments. If you are unable to furnish this proof, I demand that these payments, be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligation without delay.

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 2024-12-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: IN

Complaint narrative:
Jefferson Capital is attempting to collect a debt from XXXX. The account with XXXX was closed in XXXX and no further activity was made on this account. I dont know who Jefferson Capitpl is or why they are reporting on my credit bureau but they have refused to provide any proof they own the loan. They will not provide a signed contract. Further, they are claiming this account was opened in XXXXXXXX XXXX XXXXXXXX. That is a lie. This account was closed by me when the furniture XXXX sent me was defective and they refused to fix the problem. No further contact was made, with XXXX or Jefferson Capitol after XXXX. They are claiming this account is still open and are stating it opened in XXXX of XXXX. I would like to see written proof of this. I would like to see the contract and proof of purchase from XXXX of XXXX along with the signed contract, also dated XXXX of XXXX. They wont be able to provide any of this because it doesnt exist. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: VA

Complaint narrative:
I am writing in response to your recent reply to my complaint, which was riddled with inaccuracies and demonstrates either a lack of diligence or deliberate obfuscation. Contrary to your claim, the bankruptcy in question was not a XXXX XXXX XXXX XXXX XXXX XXXX XXXXy was filed in Virginia, with attorney XXXX XXXX representing me. Moreover, the property in question was promptly removed from the bankruptcy proceedings shortly thereafter. 

Your response further affirms the predatory practices that have unfortunately come to define your organization. I intend to pursue litigation to hold you accountable and to ensure justice is served. It is disheartening that instead of addressing legitimate concerns, XXXX XXXX resorts to misrepresentation and evasion. 

I expect a correction to your response and a transparent resolution to my complaint. Anything less will only strengthen my resolve to expose and challenge your unethical practices through every legal avenue available

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 2024-12-20 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: RI

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 each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

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 2024-12-20 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: LA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 XXXXXX/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 2024-12-20 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: TX

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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: IL

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I submitted complaints to TransUnion, XXXX, and XXXX notifying them that there are inaccurate reportings on my credit profiles. I have asked them to provide validation of these items they claim to be accurate but have failed to do so the following inaccurate items are listed on my credit reports and they go against my rights as a consumer : 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 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 2024-12-20 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: IL

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I submitted complaints to XXXX, XXXX, and Experian notifying them that there are inaccurate reportings on my credit profiles. I have asked them to provide validation of these items they claim to be accurate but have failed to do so the following inaccurate items are listed on my credit reports and they go against my rights as a consumer : 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 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 2024-12-20 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: MD

Complaint narrative:
After reviewing my Consumer Reports, I noticed some late payments on reports for which I have always maintained on-time payments. Consumer Reporting Agencies play an important role in accurately reporting customer information. This information must be reported with utmost accuracy. I've never missed a payment with the following accounts : XXXX, XXXX, XXXX, and XXXXDept of Education . I request a thorough investigation into these discrepancies and urge you to provide evidence, demonstrating the lateness of these account payments. If you are unable to furnish this proof, I demand that these payments, be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligation without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Company continues to furnish fraudulent information on my report. Company was notified via priority mail & sent copies of the FTC report listing these inquiries as fraudulent, yet they still continue to furnish the fraudulent information. This is a direct violation of USC 1681 & USC 1666. 

Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I have an open complaint with Bank of America for a debt showing on my credit report. I have requested a copy of the 1099C that is from the year they are saying the debt was a charge off. I did not receive one. I have also requested itemized/detailed statements showing where and when the charges were made. I have not been provided any of this. They have only responded with a letter dated XX/XX/year> saying they feel the debt is still owed and will continue to report this to the credit bureau. They are not addressing what I have repeatedly asked for to validate this debt and the charge off. If they have charged off, they are still showing that I am currently late on payments and also owe a debt they are claiming to have gotten a credit and charged off. They need to either comply to show these are valid charges and the charge off or delete and cease and desist.

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