vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Formal Dispute of Inaccurate Reporting on XXXX XXXX XXXX Account # XXXX I am writing to formally dispute the inaccurate reporting of my XXXX  XXXX XXXX account ( # XXXX ) as a charge-off/collection on my Experian credit report. This reporting is not accurate, as no such status should be reflected on this account. 

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, I have the right to dispute any inaccurate or incomplete information reported by a credit bureau, and you are required to conduct a reasonable investigation into my dispute. Additionally, under 15 U.S.C. 1681e ( b ), credit reporting agencies must ensure the maximum possible accuracy of the information they report. 

It is important to note that Experian is the only credit bureau reporting this account as a charge-off/collection, which raises concerns about the accuracy of the information you have on file. I request that you provide me with the method of verification ( 15 U.S.C. 1681i ( a ) ( 7 ) ) that Experian used to verify this information. 

If Experian can not properly verify the accuracy of this charge-off/collection status, I demand that this incorrect entry be immediately removed from my credit report. Failure to comply with these requirements will result in further action under the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Subject : Request for Review and Compassionate Resolution of XXXX XXXX Account Now Owned by Jefferson Capital Systems LLC Dear Consumer Financial Protection Bureau, I am writing to seek your assistance regarding a significant issue with my credit accounts. I am a protected individual under the XXXX XXXX XXXX Act ( XXXX ), and I am dealing with financial consequences stemming from XXXX XXXX 

The account in question was originally with XXXX XXXX and is now owned by Jefferson Capital Systems LLC, located at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX. The current amount owed on this account is {$2700.00}. 

**Background and Request for Compassion : ** During my marriage to XXXX XXXX XXXX XXXX I was subjected to severe XXXX XXXX XXXX XXXX XXXX was sentenced to XXXX XXXX in XXXX XXXX for a XXXX charge related to his attempt to use the XXXX  against me. Following his incarceration, he was placed on XXXX XXXX  of supervised probation. His association with a 1 percent biker club resulted in XXXX XXXX of me and my daughter, leading to significant XXXX. 

In addition to being XXXX XXXX and XXXX, my identity was stolen to monitor my whereabouts and impede my efforts to escape. These circumstances have had a profound impact on my financial situation. 

Given the severity of my situation and the subsequent XXXX I have endured, I respectfully request that you review this matter with compassion. I am now free from this XXXX  situation and the associated XXXX. I am seeking a resolution that will allow me to start fresh, free from the financial burden that resulted from these XXXX actions. 

**Requested Action : ** - **Consideration for Compassionate Resolution : ** Given the extenuating circumstances, I kindly request that you consider a compassionate resolution regarding the debt. This might include debt forgiveness or significant reduction of the amount owed. 
- **Account Review and Adjustment : ** Review and adjust the account to reflect the undue impact these circumstances have had on my financial situation. 

Please find attached any relevant documentation supporting my claims, including information about the XXXX and its impact on my financial situation. 

I appreciate your understanding and consideration in this matter. I am hopeful that a compassionate resolution can be reached, allowing me to rebuild my financial stability and continue moving forward from this XXXX  experience. 

Thank you for your attention and support. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: W&A Intermediate Co., LLC
State: TN

Complaint narrative:
I have XXXX collections showing on my credit report from Wakefield and associates. I have tried several times to communicate with them once on XXXX and once on XXXX that those collections are inaccurate there is XXXX collections for XXXX there is XXXX collections for XXXX also XXXX for XXXX. I have submitted info multiple times that those XXXX collections Are fraudulent and I want them removed from my credit report. They are showing as closed accounts and that is incorrect they were never my accounts to begin with please remove all Wakefield and associates accounts from my credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
We use our Wells Fargo Credit Card for our family small business. It has a {$25000.00} credit line and recently we paid it off with a payment of {$22000.00} on XXXX. Our credit card began declining all new transactions as of around XX/XX/XXXX. We made several calls to understand why and were told that the payment was larger than the normal {$5000.00} to {$10000.00} payments we typically make. Each time we were instructed to respond within an hour to an email that was to be generated to us and after 4 times of the email never coming to us, Wells Fargo said the refused to lift the ban until XX/XX/XXXX. There are no credit, fraud or any reason to clip our business credit card like this and they have had our money which was delivered from our local XXXX XXXX XXXX XXXX for over a week. We are furious that they have created a situation where all of our vendors recurring payments are now bouncing and we can not use our company credit card when there is a minimal balance and we have never ever had a credit issue with them. Today ( XX/XX/XXXX ) they officially refused helping us any further and we are just instructed to wait until XX/XX/XXXX to reuse our card. We will obviously never bank with Wells Fargo again for any reason whatsoever but do not want anyone else to suffer what we did. It is not uncommon for us to pay thousands of dollars in a month. The XXXX statement shows we paid $ XXXX and the screenshot shows our recent $ XXXX payment. Unreal how much pain this has caused us!!

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 2024-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have asked for the account to be verified but no investigation has been done I have requested documents showing the contract I have with the alleged company no response

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 2024-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I dispute the charge-off account reported by XXXX on my credit report. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I request verification of this account, including a full accounting of the alleged debt.

Please provide proof that this debt is valid and was handled in compliance with the law. If you can not provide this verification, I demand the immediate removal of this charge-off from my credit report. 

Failure to comply will result in further action for reporting inaccurate information under the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
my credit report report showing a XXXX please i need this to be remove from all credit 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 explanation
Consumer complaint received 2024-09-15 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:
GA Code 11-9-210 ( 2023 ) ( UCC Article 9 9-210 ) As a federally protected consumer I'm seeking proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I have already demanded proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, as well as proof of your authority in this matter. 

XXXX XXXX  HAS IGNORED all opportunities to AUTHENTICATE THE DEBT CLAIM ... .no AUTHENTICATION has been provided here in our correspondences, the CFPB can see no such evidence has been provided by XXXX XXXX Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 

A bank or credit agency can be liable for identity theft if it negligently releases personal information that helps enable identity theft. The use of my non public information due to false reporting sharing with non affiliated 3rd parties. 

Failure to respond within 4 days of this letter will begin my small claims action against your company. I will be seeking { {$5000.00} } in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud XXXX ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attaching property or funds to satisfy the judgment. 

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 

This Notice is an attempt to correct your records, to authenticate your records and accounting and any information received from you will be collected as evidence should any further action be necessary. 

The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) will be notified regarding this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian is reporting Old out of date Addresses on my consumer report. Experian is Reporting 7+ Years old closed out dated accounts on my consumer report. Experian is Reporting inaccurate name Alias on my consumer Report. Experian is Reporting Incorrect Employer on my consumer report. 

Addresses Reported : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Accounts Reported : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date opened XX/XX/year> Names : XXXX, XXXX Employer Reported XXXX XXXX According to 15 U.S. Code 1681e ( b ) You are suppose to assure maximum possible accuracy, This account is not accurate according to the Fair Credit Reporting Act, therefore the Following Consumer reporting agency should Delete account immediately for violating 15 U.S. Code 1681e ( b )

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 2024-09-15 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: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
Called Sunrise Credit Services on XX/XX/year> requesting documentation showing the {$240.00} collection account belonged to me. They said they could not provide that to me as they did not see account tied to me. But they would not remove the collection account either.

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 2024-09-15 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: NC

Complaint narrative:
I am writing to urgently notify you that I have fallen victim to identity theft, leading to several fraudulent entries on my credit report. These 5 unauthorized accounts and 10 inquiries were added without my knowledge or consent, and they must be addressed immediately.

INQUIRIES - 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 - ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have already filed an official identity theft report with the Federal Trade Commission ( FTC ), and I am demanding the immediate removal of these fraudulent items to restore the accuracy and integrity of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Formal Dispute of Late Payments on XXXX XXXX Account # XXXX I am writing to formally dispute the late payments reported on my XXXX  XXXX  Account # XXXX as listed on my Experian credit report. These late payments are incorrect, as I was never late on this account.

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, I have the right to dispute inaccurate information on my credit report, and you are required to investigate and correct any inaccuracies. Furthermore, under 15 U.S.C. 1681s-2, furnishers of information are obligated to provide only accurate information to consumer reporting agencies.

Experian has failed to validate this information as accurate, and until it is properly verified, it should not be reported as late. I demand that the inaccurate late payment entries be removed from my credit report immediately, as they are damaging my credit profile. 

Please confirm the removal of these late payments or provide documentation that verifies the validity of this information. Failure to properly investigate and correct these inaccuracies will result in further action under the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 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: CA

Complaint narrative:
Consumer Information : Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX, CA XXXX Complaint Against : TransUnion XXXX XXXX Subject : Incorrect reporting of names and addresses on my credit report, and XXXX not reporting any information at all.

Details of the Complaint : I am writing to formally file a complaint against the credit reporting agencies TransUnion, XXXX, and XXXX for providing incorrect and incomplete information on my credit report. 

1. Incorrect Names and Addresses : Both TransUnion and XXXX are reporting incorrect names and addresses on my credit report. These inaccuracies are causing confusion, which may negatively impact my credit score and financial opportunities.

2. XXXX Failure to Report : XXXX is not reporting any of my credit information. This failure to report is causing significant damage to my credit profile, as it appears incomplete or non-existent. The lack of information from XXXX is hindering my ability to apply for credit, secure loans, and pursue financial goals.

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 2024-09-15 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: OR

Complaint narrative:
I recently reviewed my credit report and discovered fraudulent accounts that have been incorrectly attributed to my name. These inaccuracies are negatively impacting my credit history and my ability to obtain credit. 

I would greatly appreciate your assistance in removing these fraudulent accounts, and I trust that you will take the necessary steps to resolve this matter as soon as possible. 

Thank you in advance for your prompt attention and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 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: NJ

Complaint narrative:
my credit report report showing a XXXX please i need this to be remove from all credit 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 2024-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
my credit report report showing a XXXX please i need this to be remove from all credit 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 2024-09-15 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: IL

Complaint narrative:
I have reviewed a copy of my credit report and identified multiple inaccuracies and unauthorized inquiries. These discrepancies have significantly impacted my financial well-being and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 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: CA

Complaint narrative:
Consumer Information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX Complaint Against : TransUnion XXXX Subject : Inconsistent and Incorrect Reporting of US DEPT ED Account # XXXX Details of the Complaint : I am filing a formal complaint regarding the incorrect and inconsistent reporting of my US DEPT ED account ( # XXXX ) by TransUnion and XXXX. 

1. Inconsistent Reporting : The account is being reported differently across credit bureaus. TransUnion is reporting one version of the account status, while XXXX is reporting it inaccurately as a collection account. This inconsistency violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires credit bureaus to maintain maximum possible accuracy in reporting consumer credit information. 
2. Inaccurate Reporting by XXXX : XXXX is reporting the account as a collection, which is factually incorrect. Under FCRA, 15 U.S.C. 1681i, I am entitled to dispute incorrect information and have it corrected if proven inaccurate. I am requesting that XXXX immediately update their records to reflect the accurate status of my US DEPT ED account.

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 2024-09-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with fraud alerts or security freezes — 
Company: LoanCare, LLC
State: VA

Complaint narrative:
I filed same complaint on XX/XX/year> Complaint XXXX under XXXX XXXX  since they're the ones I'm having fraudulent activity with and LoanCare, my Mortgage servicer. 
Now I want to report LoanCare. They have assured me problem has been fixed but I have closed same bank account 3 times this past week. My mortgage has not been paid since I can not shared addy'l banking information. Please look into matter. See attached activity.

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 2024-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Is accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC FAIR COLLECTIONS AND XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 Section 602 A.states I have a right to privacy. 

15 U.S.C. 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

Company response to consumer: Closed with non-monetary relief