vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: NY

Complaint narrative:
I am writing to demand the immediate removal of the erroneous and fraudulent collection account listed under National Credit Systems Inc. XXXX XXXX XXXX XXXX XXXX from my credit report. This collection account is wholly inaccurate, and I do not owe any such debt. 

Additionally, this collection activity is in direct violation of 15 U.S.C. 1692c, which protects my rights under the Fair Debt Collection Practices Act ( FDCPA ). This debt, which I do not owe, has been reported without proper validation and constitutes a serious violation of federal law. 

As per this letter, I am sending you a formal Cease and Desist demand. You are to immediately remove this derogatory item from my credit report, cease any further collection attempts, and refrain from any further unauthorized and unlawful reporting of this debt. Failure to comply with this request will leave me no choice but to pursue legal action, including filing a lawsuit against XXXX and any other involved parties for violations of my rights under federal law. 

Please be advised that this is your final opportunity to correct this matter. If this inaccurate information is not deleted from my credit report within the next 15 days, I will not hesitate to proceed with the necessary legal steps, including seeking damages for the harm this has caused to my financial reputation. 

I expect immediate action on this matter. Please confirm in writing that the account has been removed and that you will not engage in any further violations of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: CO

Complaint narrative:
I am filing a complaint regarding XXXX and XXXX XXXX XXXX XXXX ( XXXX  ) XXXX. The XXXX XXXX  automatically updates my credit card information for merchants that store my card on file for recurring charges, but it does not provide an option for consumers to opt out or verify which merchants receive updated information. This lack of control presents several significant concerns, both for me personally and for consumer rights at large. 

The XXXX XXXX  allows merchants to receive updated credit card details without my explicit consent. This means that even after Ive taken action to prevent a merchant from continuing to charge my accountsuch as canceling a subscription or changing my card detailsthose same merchants can still bill me using updated card information provided automatically through this system. As a consumer, I believe this practice is unfair, and it violates my right to control how my financial data is shared. 

Consumer Rights & Transparency : One of the key principles of consumer rights is transparency. Consumers should have full control over their financial data and the ability to decide who can continue to charge their account. The XXXX XXXX  lacks this transparency, allowing merchants to receive new card information without the consumers approval, leaving me and many others vulnerable to unwanted or unauthorized charges. 

Additionally, the fact that XXXX and XXXX do not offer a way for consumers to opt out or selectively choose which merchants receive updated card information means we are left with little recourse. This practice shifts the balance of power unfairly toward merchants, depriving consumers of control over their financial accounts. 

Potential Constitutional Concerns : While this issue does not directly violate constitutional rights, the lack of consumer control over private financial information could raise concerns about due process and personal autonomy. At its core, the Fifth Amendment protects individuals from being deprived of property ( including financial resources ) without due process of law. By allowing merchants to automatically receive updated card information, consumers may effectively be deprived of the ability to control their property ( in this case, their financial information and funds ) without proper consent. Though not a direct constitutional violation, this lack of control certainly challenges fundamental principles of fairness and due process in financial transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 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: FL

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX, a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX, a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX, a collection account opened at XXXX on XX/XX/XXXX under account number XXXX, a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX, a collection opened at XXXX XXXX on XX/XX/XXXX under account number XXXX, and a collection account with XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX. 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 XXXXXXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaints XXXX & XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Letters have been sent to all three bureaus with no corrective action of illegal remarks removed from credit report. 
All three bureaus submitted corrective action under FCA and USC15 codes. 

Since bureaus was notified I have been locked out online portals to submit further action against such bureaus. Any additional contact via phone line to customer support has not assisted with access to account no deletion of accounts found on report - specially Transunion. 
XXXX XXXX XXXX XXXX XXXX and Birthcertificate found on dark web. Also may have highly been impacted by late data breach : XX/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 non-monetary relief
Consumer complaint received 2024-10-06 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:
On XX/XX/year> I received a copy of my consumer report, I was so confused because I see accounts listed that do not belong to me. I discovered that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XXXX XXXX - XXXX has unlawfully obtained my personal and financial information from unauthorized parties. This violation of privacy is deeply troubling to me, as it compromises my security and exposes me to potential identity theft and fraudulent activities. I do not have any written agreements with these companies. You have NOT provided me a copy of Any original documentation that you have on file that is required under Section 609 & Section 611 [ a ] ( 1 ) ( A ) ( a consumer contract with my signature on it and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to Promptly DELETE all information which can not be verified The law is very clear as to the civil liability and the remedy available to me for negligence and noncompliance to ( Section 617 ) if you fail to comply with this federal law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-06 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Cosumer Date of Birth : ( XX/XX/year>XXXX  ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists 7 Separate fraudulent accounts appearing on my consumer FICO report which i do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a XXXX XXXX XXXX date opened XXXX Acct. XXXX, XXXX XXXX XXXX date opened XXXX Acct. XXXX, XXXX XXXX date opened XXXX Acct. XXXXXXXX XXXX XXXX date opened XXXX, Acct. XXXX. Inquiries : XXXX, XXXX XXXX, XXXXXXXX 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 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-10-06 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: NY

Complaint narrative:
I am writing to report a violation of the Fair Credit Reporting Act ( FCRA ) concerning the repeated inaccurate reporting of charge-offs and collections on my credit report. Despite my efforts to resolve this issue, I have encountered persistent inaccuracies that have negatively impacted my credit score and overall financial health. 

Key Issues : Repeated Charge-Offs and Collections : I have noticed that the following accounts have been repeatedly reported as charge-offs and collections each month, which is misleading and damaging to my credit profile XXXX XXXX XXXX XXXX  : Account # XXXXXXXX XXXX XXXX XXXX  : Account # XXXXXXXX XXXX XXXX XXXX : Account # XXXXXXXX XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX XXXX : Account # XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX  ( XXXX XXXX XXXX : Account XXXX XXXXXXXX XXXX XXXX ( XXXX  XXXX ) : Account # XXXX XXXX & XXXX XXXX XXXX Account XXXX XXXX Failure to Provide a 1099-C : Despite the accounts being classified as charge-offs, I have not received a Form 1099-C for any of these accounts. According to 26 U.S.C. 6050P, creditors are required to issue a 1099-C when a debt of {$600.00} or more is canceled. The lack of this form raises concerns about the legitimacy of these charge-offs and reflects a failure on the part of the reporting creditors. 

Inadequate Response to Disputes : I have contacted the credit bureaus multiple times to dispute these inaccuracies, but my requests have gone unanswered or inadequately addressed. This lack of response violates my rights under the FCRA, specifically 15 U.S.C. 1681i, which requires credit bureaus to conduct a reasonable investigation upon receiving a dispute. 

Impact : These inaccuracies are causing significant harm to my credit score and making it difficult for me to obtain new credit. I am concerned that this situation will continue to affect my financial future if not addressed promptly. 

Desired Outcome : I am seeking the removal of the inaccurate charge-offs and collections from my credit report and require the issuance of the 1099-C forms for the accounts listed above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-06 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to report a violation of the Fair Credit Reporting Act ( FCRA ) concerning the repeated inaccurate reporting of charge-offs and collections on my credit report. Despite my efforts to resolve this issue, I have encountered persistent inaccuracies that have negatively impacted my credit score and overall financial health. 

Key Issues : Repeated Charge-Offs and Collections : I have noticed that the following accounts have been repeatedly reported as charge-offs and collections each month, which is misleading and damaging to my credit profile : XXXX XXXX XXXX  : Account # XXXXXXXX XXXX XXXX XXXX : Account # XXXXXXXX XXXX XXXX XXXX : Account # XXXXXXXX XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX XXXX  : Account # XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX : Account XXXX XXXXXXXX XXXX XXXX  ( XXXX  XXXX XXXX : Account # XXXX XXXX & XXXX XXXX XXXX Account XXXX XXXX Failure to Provide a 1099-C : Despite the accounts being classified as charge-offs, I have not received a Form 1099-C for any of these accounts. According to 26 U.S.C. 6050P, creditors are required to issue a 1099-C when a debt of {$600.00} or more is canceled. The lack of this form raises concerns about the legitimacy of these charge-offs and reflects a failure on the part of the reporting creditors. 

Inadequate Response to Disputes : I have contacted the credit bureaus multiple times to dispute these inaccuracies, but my requests have gone unanswered or inadequately addressed. This lack of response violates my rights under the FCRA, specifically 15 U.S.C. 1681i, which requires credit bureaus to conduct a reasonable investigation upon receiving a dispute. 

Impact : These inaccuracies are causing significant harm to my credit score and making it difficult for me to obtain new credit. I am concerned that this situation will continue to affect my financial future if not addressed promptly. 

Desired Outcome : I am seeking the removal of the inaccurate charge-offs and collections from my credit report and require the issuance of the 1099-C forms for the accounts listed above.

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 2024-10-06 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: NJ

Complaint narrative:
I have not signed nor consent any other contract with my student loans besides XXXX in XXXX  When I attended XXXX XXXX. Theyre on after they transferred it over to a company called XXXX Dept of ED and now some new company thats called XXXX has removed XXXX And now they are taking over these are all people taking my contract without my consent therefore XXXX is closed my contract is 100 % closed. My two Federal loan accounts should be completely closed to my demand what they are doing is completely illegal and without my consent. 

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exist.

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 2024-10-06 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: NJ

Complaint narrative:
I have not signed nor consent any other contract with my student loans besides XXXX in XXXX  When I attended XXXX XXXX. Theyre on after they transferred it over to a company called XXXX Dept of ED and now some new company thats called XXXX has removed XXXX And now they are taking over these are all people taking my contract without my consent therefore XXXX is closed my contract is 100 % closed. My two Federal loan accounts should be completely closed to my demand what they are doing is completely illegal and without my consent. 

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 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: NJ

Complaint narrative:
I have not signed nor consent any other contract with my student loans besides XXXX in XXXX  When I attended XXXX XXXX. Theyre on after they transferred it over to a company called XXXX Dept of ED and now some new company thats called XXXX has removed XXXX And now they are taking over these are all people taking my contract without my consent therefore XXXX is closed my contract is 100 % closed. My two Federal loan accounts should be completely closed to my demand what they are doing is completely illegal and without my consent. 

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exist.

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 2024-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS
State: FL

Complaint narrative:
Initially, I called to get a copy of my deletion letter for a previous dispute. I was told on XX/XX/XXXX it was sent to the wrong address and new copy would be sent. To get this done I had to send a copy of my credit card statement which they received and said it was good for 60 days. I also requested a copy of my consumer report that same day. 10 business days passed and I had not gotten the letter or the Report. I called and was told that the letter was on its way and a copy of my consumer report would be attached. When I got the deletion letter it simply looked as though the original deletion letter with old address was printed and mailed with a cover sheet with my current address. No consumer report was attached. I called to see what happened and the representative told me I need to send a copy of my drivers license and a proof of address to assist me which I did. I was told that on XX/XX/XXXX copy of my consumer report was mailed. I then receive a letter dated for XX/XX/XXXX stating that my request for a copy of my consumer report could not be granted due to not being able to verify my identity. I have sent in several documents to Lexis Nexus proving my identity with the identifying numbers they use to retrieve the docs sent upon their request. I have reason to believe they are intentionally refusing to sent a copy of my report to me after I requested and inquired about one being sent on several occasions

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 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: NJ

Complaint narrative:
XXXX XXXX XXXX  has XXXX inquiries that are not open accounts on my credit report and Ive asked him several times to remove them because I dont know how they got there but they are not helpful and they are not trying to help me remove it and I need them removed. The XXXX XXXX inquiries are from these XXXX different dates XXXX, XXXX XXXX/ XX/XX/XXXX / XX/XX/XXXX. Those XXXX inquiries are not open accounts. I need those removed immediately. It is putting a huge effect on my credit score. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exist.

Company response to consumer: Closed with explanation