vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-08 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: CA

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: TX

Complaint narrative:
I am listing accounts and inquiries 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 and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1000.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4400.00} Charged off XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$540.00} Late/Open XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$21000.00} Late/Open

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
To Whom It May Concern : This letter is a formal dispute regarding the collection accounts reported on my credit file from Absolute Resolutions and XXXX XXXX XXXX. These accounts, as reflected in my credit report, are inaccurate and in violation of federal law. 

I am requesting immediate investigation and verification of these accounts pursuant to the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), specifically under : 15 U.S.C. 1692c ( c ) This law prohibits debt collectors from continuing to communicate with a consumer after a cease communication request has been made. I have previously notified the debt collectors in writing to cease communication regarding these debts.

15 U.S.C. 1692g Under this section, a debt collector must provide a validation notice within XXXX days of the initial communication, detailing the debt amount, creditor information, and my rights as a consumer. No such validation notice has been provided to me, rendering their reporting invalid and unverifiable. 

These debts are not substantiated under the law, and until proven otherwise, these entries should be deemed unverifiable and removed from 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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-01-08 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. 
XXXX : XXXX XXXX : XX/XX/XXXX TransUnion : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX RE : Unauthorized Inquiries I am sending this letter to dispute the following XXXX inquiries that are unauthorized. Please remove them from my TransUnion credit report as soon as possible and confirm receipt of this letter. I have never given my permission to report this information on my report. No consent is fraud, which is in clear violation of 12 CFR 1006,34 ( d ) and 15 USC 1681-S29 ( 7 ) ( A ). 

XXXX- XX/XX/XXXX XXXX XXXX XX/XX/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 2025-01-08 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: LA

Complaint narrative:
Under 15 USC 1666B This is a billing error. I always paid as agreed and on time. This is an error and this account is in violation - This is paid as agreed and should not be reporting negatively on my report. XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, and 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 2025-01-08 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:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-01-08 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: IL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: GA

Complaint narrative:
Chime denied my claim and subsequently closed my accounts ; I was never afforded due process nor refunded my $ XXXX! I need those funds now more than ever and I am willing to do whatever it takes to get my money back!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: TN

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2025-01-08 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Apt XXXX XXXX, XXXX  XXXX Phone : XXXX Email : XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Dispute of Reinserted Account on My Credit Report To whom it may concern : I am writing to formally dispute a reinserted account that has appeared on my credit report managed by TransUnion. This account had previously been removed from my credit file, and its reinsertion without the proper notification and verification constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). 

According to the provisions of the FCRA, if a previously deleted account is reinserted into a consumer 's credit report, the consumer reporting agency must : Notify the consumer in writing within XXXX business days of the reinsertion of the account. 

Provide verification that the account has been reinserted with accurate and complete information from the furnisher of the account. 

I respectfully request that TransUnion : Conduct a thorough reinvestigation of the reinserted account to ensure that it meets the verification and accuracy requirements mandated by federal law. 

Provide written documentation of the reinsertion process and the verification steps taken. 

Remove the reinserted account from my credit report if it can not be verified as accurate and complete. 

Attached to this letter, you will find a copy of my government-issued identification and proof of address to assist in the verification process. 

Thank you for your prompt attention to this matter. I trust that TransUnion will handle this dispute in compliance with the FCRA and ensure that my credit report remains accurate and fair. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX : 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( Reinsertion of Previously Deleted Information ) Under this section of the Fair Credit Reporting Act, if a consumer reporting agency reinserts previously deleted information into a consumer 's credit report, the agency must : Notify the consumer within XXXX business days of the reinsertion. 

Provide the consumer with the name, address, and phone number of the furnisher of the information. 

Ensure that the information has been verified as accurate before it is reinserted. 

Failure to comply with these requirements constitutes a violation of the FCRA and entitles the consumer to dispute the reinsertion and seek appropriate remedies.

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 2025-01-08 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Apt XXXX XXXX, XXXX  XXXX Phone : XXXX Email : XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Dispute of Reinserted Account on My Credit Report To whom it may concern : I am writing to formally dispute a reinserted account that has appeared on my credit report managed by TransUnion. This account had previously been removed from my credit file, and its reinsertion without the proper notification and verification constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

According to the provisions of the FCRA, if a previously deleted account is reinserted into a consumer 's credit report, the consumer reporting agency must : Notify the consumer in writing within XXXX business days of the reinsertion of the account. 

Provide verification that the account has been reinserted with accurate and complete information from the furnisher of the account. 

I respectfully request that TransUnion : Conduct a thorough reinvestigation of the reinserted account to ensure that it meets the verification and accuracy requirements mandated by federal law.

Provide written documentation of the reinsertion process and the verification steps taken.

Remove the reinserted account from my credit report if it can not be verified as accurate and complete.

Attached to this letter, you will find a copy of my government-issued identification and proof of address to assist in the verification process. 

Thank you for your prompt attention to this matter. I trust that TransUnion will handle this dispute in compliance with the FCRA and ensure that my credit report remains accurate and fair. 

Sincerely, XXXX XXXX XXXX XXXX Applicable Law : 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( Reinsertion of Previously Deleted Information ) Under this section of the Fair Credit Reporting Act, if a consumer reporting agency reinserts previously deleted information into a consumer 's credit report, the agency must : Notify the consumer within XXXX business days of the reinsertion. 

Provide the consumer with the name, address, and phone number of the furnisher of the information. 

Ensure that the information has been verified as accurate before it is reinserted. 

Failure to comply with these requirements constitutes a violation of the FCRA and entitles the consumer to dispute the reinsertion and seek appropriate remedies.

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 2025-01-08 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: VA

Complaint narrative:
I am writing to report an identity theft issue and discrepancies on my credit report. I have recently discovered that my personal information has been compromised, leading to fraudulent activities on my credit accounts. I have taken steps to address these issues, including contacting the credit bureaus to dispute these inaccuracies and placing a fraud alert on my file. I seek your assistance in further investigating and resolving these matters. Please advise on the next steps to rectify. XXXX XXXX  - XXXX {$120.00}, XXXX  - XXXX - {$1400.00}, XXXX XXXX XXXX XXXX XXXX  XXXX {$6.00}, XXXX  - XXXX XXXX {$740.00}, EQUIFAX - XXXX XXXX {$4400.00} Inquiries central, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo Home Mortgage is committing Fraud and not in compliance with FDCPA Upon my consumer rights I requested a cease and desist from all communications Recorded time and date see CFPB report Also Registered home phone and cell phone numbers on the FTC Do Not Call Registry The Fair Debt Collection Practices Act ( FDCPA ) makes it illegal for debt collectors to use abusive, unfair, or deceptive practices when they collect debts. Here are some answers to frequently asked questions about your rights. 

This is explicit and unlawful activity FOR THE RECORD Today XX/XX/year> Wells Fargo XXXX XXXXWELLS FARGO called see : attachment

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 2025-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I have serious concerns regarding this account, as it does not appear to comply with federal consumer protection laws outlined in the Fair Debt Collection Practices Act ( FDCPA ) and 15 USC 1692c ( c ) and 1692g. 
Basis of Dispute XXXX. Violation of 15 USC 1692c ( c ) ( Cease Communication Request ) : Under 15 USC 1692c ( c ), a debt collector must cease further communication with a consumer upon receiving a written request to do so, except to confirm compliance or to notify of specific legal actions. If Midland Credit Management received such a request from me or failed to provide proof that communication continued lawfully, they may be in violation of this provision. 
XXXX. Violation of 15 USC 1692g ( Validation of Debts ) : Under 15 USC 1692g, a debt collector is required to provide a consumer with written validation of the debt, including the amount owed, the name of the original creditor, and the consumers rights to dispute the debt. If Midland Credit Management failed to provide adequate validation within the required timeframe or did not verify the debt before reporting it to the credit bureaus, this would also constitute a violation. 
Action Requested I am formally requesting that XXXX : XXXX. Investigate the validity of this account based on the lack of compliance with the FDCPA and the provisions of 15 USC 1692c ( c ) and 1692g. 
XXXX. Verify that Midland Credit Management provided proper debt validation, as required by law, before reporting this collection to my credit file. 
XXXX. Remove the account from my credit report immediately if Midland Credit Management is unable to provide the necessary documentation to validate the debt and compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: CA

Complaint narrative:
I am listing accounts and inquiries 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 and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance XXXX {$0.00} Charged off XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} XXXX off XXXXXXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Collection XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$660.00} Collection XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$370.00} Collection XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$900.00} Collection XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$940.00} Collection FST XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$1200.00} Charged off XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$920.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charged off XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$500.00} Charged off XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} Charged off Inquiries in Dispute : XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XX/XX/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/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 2025-01-08 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: CA

Complaint narrative:
Last XX/XX/year> I noticed a student loan on my credit report that I did not apply for. I sent letters to XXXX, Transunion and XXXX asking them to verify and validate the account they did not send me any information and declined to remove it although they had no supporting documentation to keep reporting the account. The XXXX reporting agencies are reporting stolen debt as I did not give any written consent to any school or XXXX XXXX XXXX XXXX to have my personal information. This is a violation of my privacy and I demand this to be removed immediately.

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