vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-02 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: MI

Complaint narrative:
I DONT RECOGNIZE THE ADDRESS AND PHONE NUMBER REMOVE ADDRESS AND PHONE NUMBER FROM MY REPORT XXXX XXXX XXXX XXXX XXXX MI 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 2024-12-02 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: FL

Complaint narrative:
under 15 U.S. Code 1681i ( a ), I have the right to request an investigation of disputed information. I am demanding proof of the investigation that took place, including documentation of the permissible purpose for these inquiries and the name of the person or entity who authorized them. If this evidence can not be provided, the inquiries must be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Method of Validation and Account Verification In response to file number : XXXX Dear XXXX XXXX Department, I am writing regarding your recent response to my dispute of account listed on my credit report, in which you indicated that the account was verified as accurate. I have concerns about the completeness and accuracy of the information reported and request further clarification. The file number : XXXX is the investigation I'm responding to. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to receive a description of the procedure used to determine the accuracy and completeness of the information, including the contact information of the party that provided the verification. Specifically, I am requesting : 1. The method of validation used to verify the disputed account ( s ).

2. The contact information for the creditor or furnisher, including their name, address, and phone number.

3. A detailed explanation of how the account ( s ) was verified for accuracy and completeness.

4. The date, time, and who exactly verified this account 5. A detailed explanation of how the account ( s ) were verified for accuracy and completeness, particularly regarding : -Balance -Past-due amount -Account status -Charge-off amount -Date of 1st Delinquency -High Credit -Amount past due -Pay Status -Date of last payment -Entire payment history -Past due -Payment Received -Last Payment Made -Terms The specific account ( XXXX ) in question are as follows : XXXX XXXX # XXXX If the accounts can not be properly verified or validated, they must be deleted from my credit report promptly, as required by the FCRA.

Please provide the requested information within 30 days of receipt of this letter. Failure to do so will result in further action on my part, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. 

Thank you for your attention to this matter. I look forward to your prompt response. 


Sincerely, 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 2024-12-02 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Method of Validation and Account Verification In response to file number : XXXX Dear XXXX XXXX Department, I am writing regarding your recent response to my dispute of account listed on my credit report, in which you indicated that the account was verified as accurate. I have concerns about the completeness and accuracy of the information reported and request further clarification. The file number : XXXX is the investigation I'm responding to. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to receive a description of the procedure used to determine the accuracy and completeness of the information, including the contact information of the party that provided the verification. Specifically, I am requesting : 1. The method of validation used to verify the disputed account ( s ).

2. The contact information for the creditor or furnisher, including their name, address, and phone number.

3. A detailed explanation of how the account ( s ) was verified for accuracy and completeness.

4. The date, time, and who exactly verified this account 5. A detailed explanation of how the account ( s ) were verified for accuracy and completeness, particularly regarding : -Balance -Past-due amount -Account status -Charge-off amount -Date of 1st Delinquency -High Credit -Amount past due -Pay Status -Date of last payment -Entire payment history -Past due -Payment Received -Last Payment Made -Terms The specific account ( XXXX ) in question are as follows : XXXX XXXX # XXXX If the accounts can not be properly verified or validated, they must be deleted from my credit report promptly, as required by the FCRA.

Please provide the requested information within 30 days of receipt of this letter. Failure to do so will result in further action on my part, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies.

Thank you for your attention to this matter. I look forward to your prompt response. 


Sincerely, 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 2024-12-02 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Method of Validation and Account Verification In response to file number : XXXX Dear XXXX XXXX Department, I am writing regarding your recent response to my dispute of account listed on my credit report, in which you indicated that the account was verified as accurate. I have concerns about the completeness and accuracy of the information reported and request further clarification. The file number : XXXX is the investigation I'm responding to. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to receive a description of the procedure used to determine the accuracy and completeness of the information, including the contact information of the party that provided the verification. Specifically, I am requesting : 1. The method of validation used to verify the disputed account ( s ).

2. The contact information for the creditor or furnisher, including their name, address, and phone number.

3. A detailed explanation of how the account ( s ) was verified for accuracy and completeness.

4. The date, time, and who exactly verified this account 5. A detailed explanation of how the account ( s ) were verified for accuracy and completeness, particularly regarding : -Balance -Past-due amount -Account status -Charge-off amount -Date of 1st Delinquency -High Credit -Amount past due -Pay Status -Date of last payment -Entire payment history -Past due -Payment Received -Last Payment Made -Terms The specific account ( XXXX ) in question are as follows : XXXX XXXXXXXX XXXX XXXX # XXXX If the accounts can not be properly verified or validated, they must be deleted from my credit report promptly, as required by the FCRA.

Please provide the requested information within 30 days of receipt of this letter. Failure to do so will result in further action on my part, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. 

Thank you for your attention to this matter. I look forward to your prompt response. 



Sincerely, 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 2024-12-02 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: PA

Complaint narrative:
I am submitting this complaint so that this agency can not claim ignorance

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Waypoint Resource Group, LLC
State: CO

Complaint narrative:
TO WAYPOINT RESOURCE GROUP. YOU HAVE REPORTED A COLLECTION ON MY CREDIT REPORT THAT IS UKNOWN AND UNVERIFIED. IT IS SHOWING A BALANCE {$350.00}. SINCE IT HAS NOT BEEN VALIDATED, VERIFIED AND JUST PLACED ON MY CONSUMER REPORT LIKE THIS, YOU HAVE VIOLATED SEVERLA LAWS. YOU ARE IN VIOLATION OF FCRA AND THE FDCPA LAWS AT THE SAME TIME. YOU HAVE 1 DAY TO REMOVE THIS ACCOUNT WHEN I SEND THIS THROUGH THE CFPB, OR I WILL BE SEEKING XXXX PER VIOLATION. I AM ALSO GOING TO SEND ANOTHER COMPAINT SEEKING FOR DAMAGES THROUTH THIS PORTAL. AND I WILL BE SEEKING COMPENSATION FOR IT BEING REPORTED ON MY CONSUMER REPORT. PLEASE SEND ME A CHECK FOR {$1000.00} TO THE ADDRESS LISTED AND IN MY NAME. IF YOU DO NOT SEND ME MY CHECK AND KEEP REPORTING THE ACCOUNT AFTER XX/XX/year>. I WILL BE SEEKING FOR DAMAGES FOR MORE COMPENSATION THAN THE {$1000.00} THAT WAS REQUESTED. YOUR COMPANY WAYPOITNT WILL PROPTLY SEND MY CHECK WITHIN 2 WEEKS FROM TODAY AND DELETE THE ACCOUNT. IF I DO NOT GET AN ANSWER THE DAY YOU RECIEVE THIS ON THE DELETION AND THE CHECK I WILL PROCEED WITH ACTION FOR MY REMEDY. IF YOU ARE COLLECTING FOR SOMEONE ILL BE TAKING LEGAL ACTION AGAINST WAYPOINT RESOURCE BECAUSE YOU ARE THE ONE THAT IS REPORTING THE ACCOUNT ON MY 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 2024-12-02 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: MA

Complaint narrative:
Heres the updated version with the casual tone and specified laws included : The following accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I reviewed my Experian credit report on XX/XX/XXXX, and found several issues with incomplete or inaccurate information. Under the Fair Credit Reporting Act ( FCRA ), credit agencies are supposed to make sure all the information they report is accurate. The accounts listed below dont meet those standards. 

Supporting Evidence ( Experian Report Details ) : XXXX. XXXX XXXX Inquiry Date : XXXX Removal Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : ( XXXX ) XXXX XXXX. XXXX XXXX Date : XXXX Removal Date : XX/XX/XXXX Type : XXXX  XXXX XXXX XXXX XXXX : ( XXXX ) XXXX XXXX. XXXX XXXX Date : XXXX Removal Date : XX/XX/XXXX Type XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnquiry Date : XXXX Removal Date : XX/XX/XXXX Type : XXXX XXXXXXXX XXXX XXXX XXXX : ( XXXX ) XXXX XXXX. XXXX XXXX Inquiry Date : XXXX Removal Date : XX/XX/XXXX Type : XXXX XXXX Used Phone Number : ( XXXX ) XXXXXXXX XXXX XXXX XXXX  XXXX Date : XXXX Removal Date : XX/XX/XXXX Type : Automobile Dealers, Used Phone Number : ( XXXX ) XXXX What the law says : If something on your credit report is wrong, the credit agency is supposed to fix it or remove it after looking into it. Under 15 USC 1681 5, theyre required to delete or correct any inaccurate or unverifiable information.

Specifically : 1. If the information cant be verified or is found to
be wrong, they must : Delete or correct the item in your file.

Let the furnisher of the information know about the change.

And under 15 USC 1681s-2, furnishers arent allowed to provide any information they know or have reasonable cause to believe is inaccurate to a credit agency.

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 2024-12-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
I collected a {$7000.00} check from a business client on XXXX, XXXX XXXX, XXXX  and took it to the client 's bank XXXX Bank of America ) to cash so I could wire funds to my XXXX. 
Bank of America refused to cash the check because the manager at XXXX XXXX XXXX in XXXX  XXXX said " Bank of America does not have a relationship with me ''. 

This Goes Against what a Checking Account is For! 

Bank of America and they're Bank Manager at XXXX XXXX XXXX or the Bank Manager XXXX XXXX at Bank of America XXXX XXXX XXXX in XXXX, OK DID NOT try to " Begin a Relationship '' with me, just refused to cash their client 's check. I went to the Bank of America in XXXX, XXXX on XXXX  morning, XXXX XXXX, XXXX. 

I explained that my only recourse was to file a Consumer Financial Protection Bureau complaint with your organization. They could have cared less.

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 2024-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to 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 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: TX

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





Inquiry 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 2024-12-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
The amount was paid off but it felt like they was putting more interest on the loan

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Subject : Dispute of Account Reporting and Violation of Consumer Rights XXXX Accounts # # XXXX, # XXXX, # XXXX Dear : Consumer Financial Protection Bureau ( CFPB ) or relevant agency I am writing to file a complaint regarding a collection account reported by Midland Credit on my consumer credit report. The collection agency has violated multiple provisions of consumer protection laws, and I request an immediate investigation and resolution of this matter. 
1. Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) ) The collection agency has not provided the required validation information regarding the debt, as stipulated under 12 CFR 1006.34 ( b ) ( 5 ). Even though they reported the account to a consumer reporting agency, they have not furnished any validation of the debt, violating my rights as a consumer.

2. Lack of Opportunity to Dispute the Account ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ) In addition, I have not been given an adequate opportunity to dispute this account as required by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Under this regulation, I am entitled to dispute the validity of a debt and request validation before the account is reported to consumer reporting agencies, but the collection agency has failed to provide this opportunity.

3. Use of Deceptive Practices ( Violation of Consumer Rights ) Furthermore, the collection agency is engaging in deceptive and misleading practices in violation of consumer rights. By failing to provide proper validation and failing to follow required disclosure protocols, they are using false, misleading, and deceptive means to collect on this debt, which is a direct violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and related consumer protection laws. 
4. Failure to Provide Disclosures Required by Law ( 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) ) The collection agency has no authority to report this account to a consumer reporting agency without providing the necessary disclosures as required by law. They are in clear violation of both 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ), which mandate the proper handling of consumer accounts, including required notifications and disclosures before an account is furnished to a credit reporting agency.

5. Failure to Provide the requested purchase order agreement between Midland and the original creditor.

Given the violations outlined above, I respectfully request that the CFPB take appropriate action to investigate these matters, ensure compliance with consumer protection laws, and remove this erroneous collection account from my credit report.

Please feel free to contact me at : Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XX/XX/1986 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to 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 2024-12-02 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: IN

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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