vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-27 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: MA

Complaint narrative:
I am writing to dispute the inaccurate reporting on my credit report for my XXXX XXXX  card account I have never been late on any payments, yet my credit report shows discrepancies that are not accurate. 

Attached are screenshots showing the inconsistencies in the reporting. Given the inaccuracies, I request that the entire account be removed from my credit report. 

Thank you for your prompt attention to this matter

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 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am writing to dispute the inaccurate reporting on my credit report for my XXXX XXXX XXXX account I have never been late on any payments, yet my credit report shows discrepancies that are not accurate. 

Attached are screenshots showing the inconsistencies in the reporting. Given the inaccuracies, I request that the entire account be removed from my credit report. 

Thank you for your prompt attention to this matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-27 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: TX

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Dear Sir or Madam, I am writing to formally lodge a complaint regarding XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. Several months ago, I requested a Debt Validation Letter from this organization as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). However, to date, I have not received any response or the requested validation of the alleged debt. 

In the absence of a Debt Validation Letter, I am unable to verify the legitimacy of this debt. This failure to respond constitutes a violation of the FDCPA, which mandates that a debt collector must provide validation of a debt upon request.

Given this lack of response, I am formally requesting that this alleged debt be removed from all credit bureaus immediately. The failure of XXXX XXXX XXXX to provide the requested validation leaves me with no other recourse but to seek your assistance in ensuring that this erroneous debt is expunged from my credit records. 

I trust that the CFPB will take the necessary steps to address this issue promptly. Thank you for your attention to this matter. I look forward to your swift response and resolution. 

Sincerely,

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 2024-07-27 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: TX

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX Dear Sir or Madam, I am writing to formally lodge a complaint regarding XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXX/XX/XXXXXXXX. Several months ago, I requested a Debt Validation Letter from this organization as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). However, to date, I have not received any response or the requested validation of the alleged debt. 

In the absence of a Debt Validation Letter, I am unable to verify the legitimacy of this debt. This failure to respond constitutes a violation of the FDCPA, which mandates that a debt collector must provide validation of a debt upon request. 

Given this lack of response, I am formally requesting that this alleged debt be removed from all credit bureaus immediately. The failure of XXXX XXXX XXXX to provide the requested validation leaves me with no other recourse but to seek your assistance in ensuring that this erroneous debt is expunged from my credit records. 

I trust that the CFPB will take the necessary steps to address this issue promptly. Thank you for your attention to this matter. I look forward to your swift response and resolution. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 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: TX

Complaint narrative:
Please provide proof that this payment was late or remove any negative association from my report. I have no recollection of this account ever being late. I would appreciate it if you would remove it from my report or show it as " Paid in Full, Never Late '' because this payment was never late and that is what is showing on my credit monitoring yet this account is incorrectly being shown else where.

By provisions of 15 US sections 1681i of the Fair Credit Reporting Act, these items need to be investigated for accuracy, completeness and completely. Please provide me with proof of these items, specifically the contract, note or other instrument bearing my signature or a documented record of the payment history. Failing that, please update the record to show PAID IN FULL, NEVER LATE, or delete the item from the report as soon as possible. The circled items are completely inaccurate and incomplete, and are a very serious error in reporting. Please update or delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Also, pursuant to 15 US section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please provide me with the description of the procedure used to determine the accuracy and completeness for Account Name : XXXX Account Number : 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 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hi i purchased an auto on approx. XX/XX/XXXX it was an out of state purchased from a Dealer in XXXX Texas called XXXX XXXX  they provided me with a XXXX XXXX which showed the auto was ok no accidents etc. well i was thinking about selling it so i went on the computer to XXXX XXXX XXXX XXXX offer so i put in the vin and it came up in red letters that i can't sell it this way and to find out why fill out a form below and at a cost of XXXX i would get the Experian XXXX XXXX this is a different company than the XXXX XXXX  the dealer provided .So, i filled out the form and paid the XXXX for the Experian report,,, the Experian report said at an action the car was branded as SEVERE STRUCUTURAL DAMAGE!!!!! SO, THIS WILL MAKE MY CAR VALUE WORTH AT LEAST {$7000.00} LESS than what i paid for it. Anyhow the Experian XXXX  XXXX  said the damage was discovered on XX/XX/XXXX which was approx. XXXX years before i purchased it. but also the Experian auto check did not have any accidents listed for the auto just the severe damage report at the auction on the XX/XX/XXXX date so i called Experian XXXX XXXX  they told me the auto dealer will have to get it changed from the auction so i called back the dealer and they said they wasn't doing anything as the mistake was from Experian so i filed a XXXX complaint on Experian XXXX XXXX address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX phone XXXX also the XXXX  has many complaints of the same complaint as i have to this company,,, also on top of that on XXXX  site for Experian XXXX XXXX XXXX stated that on XXXX XXXX XXXX they was sued by the government and Ohio Attorney General for XXXX XXXX for reporting false credit reports this was on XXXX  with the same address as the Experian XXXX  XXXX So I've been to a garage their auto tech went over the whole underbody of the car and found nothing no damage anywhere and no repairs was made so i called Experian and they said they found out it was a rail under the auto so i took it back to the tech he showed me what's called the rails and they was fine never been damaged i also have a receipt as i had it serviced at that time and the tech wrote down his findings on the receipt i have that and will send it to you if i can I also have the Experian XXXX XXXX report and the XXXX XXXX which i can send also.

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 2024-07-27 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: MI

Complaint narrative:
I have requested verification and proof of the bankruptcies listed on my credit report and they have not provide any. Went through the process to have these removed and still they have not removed them, they are not allowed to list these according to fair credit reporting act. Also hard inquires were made by dealerships multiple times without permission they would not remove them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 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: TX

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX Card : # XXXX Account name : XXXX XXXX # XXXX has violated my rights. 

I looked at my Transunion credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 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 2024-07-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XX/XX/year> CREDIT MANAGEMENT LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ] Dear [ XXXX XXXX XXXX ], I am writing to dispute the debt you claim I owe in the amount of [ {$280.00}. I believe your actions regarding this account violate several consumer protection laws. 
Specifically, you have failed to provide me with validation of the debt as required by 12 CFR 1006.34B5. Additionally, you reported this debt to a credit reporting agency without affording me the opportunity to dispute it, in violation of 12 CFR 1006.34C4. Your actions constitute misleading, misrepresentative, and deceptive practices, which violates 12 CFR 1634D and 15 USC 1681S27 ( A ). 
I am requesting the following : Immediate validatio of the debt, including a copy of the original creditor 's purchase agreement. 
Removal of this account from my credit report until this dispute is resolved. 
A cessation of all communication with me except via email, text, or phone call. 
I am also filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding these violations. 
I expect a prompt and comprehensive response to this dispute. 
Sincerely, [ XXXX XXXX ] XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, La. XXXX [ XX/XX/year> ] Dear [ Credit Management ], I am writing to request proof of your licensing and bonding as a debt collector. This information is necessar to verify your authority to collect the debt you claim I owe in the amount of [ {$280.00} ]. 
Please provide copies of your license and bonding certificate. Louisiana XXXX XXXX. XXXX and all its sub chapters Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/XXXX my wife and I were traveling in Western Virginia on XXXX when I received a text from Capital One regarding fraud on my Capital One Visa card. I pulled into a rest stop and called Capital One and discussed this issue with a customer service representative who indicated that the fraudulent charges were made outside of the U.S. I confirmed to him that the charges I was being notified about were fraudulent. The customer service representative indicated they would be contacting me for additional information. There was one fraudulent charge on XX/XX/XXXX made in Great Britain and two fraudulent charges on XX/XX/XXXX, made in Amsterdam. One or two days later Capital One contacted me and wanted a copy of a current bill showing my name and address and a copy of my driver 's license. Over the next several weeks I sent Capital One three separate scanned copies of bills from three different companies before they were finally satisfied that they really were talking to the real XXXX XXXX. Then, they finally agreed to start their fraud investigation. 
I continued to call Capital One every three or four days to get an update on the fraud investigation but was provided very, little information. Earlier this week I received three letters from Capital One indicating that one fraud claim was resolved but they would not close the other two fraudulent charges. I also received my monthly bill which showed the two fraudulent charges were still pending. 
On XX/XX/XXXX I called the Capital One Fraud Office and spoke with " XXXX '' and her supervisor " XXXX. '' XXXX indicated that the pending fraudulent charges were made from XXXX XXXX by a phone with a unique ID. She stated that since the charges were somehow tied to my XXXX that I was still responsible for these charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
I am writing to dispute a collection change that has recently shown up on my credit report. I have no knowledge of this debt and it is not mine. 

Upon reviewing my credit report, I noticed that a collection account has been added by a company I have never heard of before. The debt amount is significant and I have no recollection of ever having any business dealings with this company. 



I request that this collection account be investigated and removed from my credit report immediately. I have no knowledge of this debt and it is not mine. I am willing to provide any information or documentation necessary to prove that this collection account should not be associated with me. 

I am confident that this dispute can be resolved swiftly and accurately. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX Collection company Caine & Weiner

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc.
State: PA

Complaint narrative:
Collection accounts showing that should not be on my credit report. Collection accounts were not verified. Companies provided no proof that I owed them. No record of me signing a contract with any of those companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 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 XXXX XXXX XXXX XXXX Iowa XXXX XXXX XXXX XXXXXXXX XXXX : Trafficking Block Request [ Your Account Number ( if known ) ] ** Dear Sir or Madam, I am writing to formally notify you that I am a victim of human trafficking, and as a result, several items on my credit report are fraudulent and not attributable to me. The information listed below has been placed on my credit report without my consent and is directly connected to the trafficking situation I endured. 

**Items to be Blocked : ** XXXX. **Account Name : ** XXXX XXXX Vt Account number XXXX Date opened XX/XX/XXXX XXXX {$0.00} XXXX. **Account Name : ** XXXX XXXX XXXX XXXX. XXXX Date opened XX/XX/XXXX XXXX {$510.00} XXXX. **Account Name : ** XXXX XXXX XXXX XXXX. XXXX Date XXXX XXXX {$0.00} XXXX. **Account Name : ** XXXX XXXX XXXX **Account Number XXXX Date opened XX/XX/XXXX XXXX {$1500.00} XXXX. **Account Name : ** XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX Date opened XX/XX/XXXX XXXX {$0.00} XXXX. **Account Name : XXXX XXXX  XXXX **Account XXXX Date opened XX/XX/XXXX XXXX {$0.00} XXXX. **Account Name : ** XXXX / XXXX XXXX XXXX XXXX **Account Number. XXXX Date opened XX/XX/XXXX XXXX {$0.00} XXXX. **Account Name : ** XXXX XXXX XXXXXXXX XXXX XXXX. XXXX Date opened XX/XX/XXXX Balance {$130.00} Legal Basis for Request : ** Under the Fair Credit Reporting Act ( FCRA ), Section 605C, consumer reporting agencies are required to block information on a credit report that is the result of trafficking. The FCRA mandates that this information must be blocked within four business days of receiving a request from the consumer, provided that the request includes appropriate documentation. 

Furthermore, the Fair Debt Collection Practices Act ( FDCPA ) prohibits debt collectors from engaging in any unfair, deceptive, or abusive practices. Given that the debts in question were incurred as a result of trafficking, continued attempts to collect these debts would constitute a violation of the FDCPA.

The Truth in Lending Act ( TILA ) also provides protections for consumers against unauthorized charges. Under TILA, any charges that were incurred without my consent as a direct result of trafficking are considered unauthorized and should not be reported on my credit file.

**Requested Action : ** In accordance with these laws, I am requesting that the aforementioned items be blocked from my credit report immediately. Enclosed with this letter, you will find the necessary documentation to substantiate my claim :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 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: FL

Complaint narrative:
**Consumer Financial Protection Bureau*XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX  Block Request [ Your Account Number ( if known ) ] ** Dear Sir or Madam, I am writing to formally notify you that I am a victim of XXXX  XXXX, and as a result, several items on my credit report are fraudulent and not attributable to me. The information listed below has been placed on my credit report without my consent and is directly connected to the XXXX  situation I endured. 

**Items to be Blocked : ** XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXe {$130.00} Legal Basis for Request : ** Under the Fair Credit Reporting Act ( FCRA ), Section 605C, consumer reporting agencies are required to block information on a credit report that is the result of XXXX. The FCRA mandates that this information must be blocked within four business days of receiving a request from the consumer, provided that the request includes appropriate documentation. 

Furthermore, the Fair Debt Collection Practices Act ( FDCPA ) prohibits debt collectors from engaging in any unfair, deceptive, or abusive practices. Given that the debts in question were incurred as a result of XXXX, continued attempts to collect these debts would constitute a violation of the FDCPA. 

The Truth in Lending Act ( XXXX ) also provides protections for consumers against unauthorized charges. Under XXXX, any charges that were incurred without my consent as a direct result of trafficking are considered unauthorized and should not be reported on my credit file. 

**Requested XXXX : ** In accordance with these laws, I am requesting that the aforementioned items be blocked from my credit report immediately. Enclosed with this letter, you will find the necessary documentation to substantiate my claim :

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