vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I am sending to address the adverse marks on my credit file that have been attributed to me. While I would willingly acknowledge and assume responsibility for any valid debts, I am unable to do so in this case without Proper Validation and Proof Of Claim. As per the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting comprehensive validation of the alleged debt. 

I seek evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : Complete payment history, as per the precedent set by Spears v Brennan, 745 N.E.2d 862 ; 2001 Ind. App. LEXIS 509. Provide a detailed verification by line item, including information on the purchase date, itemized amounts, receipt of goods, and any relevant details directly from the Original Creditor. 
Date of Last Activity. 
Full, accurate social security number that may help to identify me as the correct person you are trying to collect from. 
Agreement that bears the signature of the alleged debtor, indicating the commitment to pay the original creditor. 
The obligation between your company CREDIT CONTROL SERVICE and me that authorizes the collection of the alleged debt, along with any transactions binding me to an agreement to pay your company. 

Proof of photo identification ( i.e., driver 's license, state identification card, or other government issued identification card ) presented at the time of incurring the debt. 
Letter of sale or assignment from the original creditor to your company, including any agreement with your client granting the authority to collect on this alleged debt. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) Coppola v. Arrow Financial Services, 302CV577, 2002 WL 32173704 ( D.Conn., Oct. 29, 2002 ) - information relating to the purchase of a bad debt is not proprietary or burdensome.

Any other pertinent information regarding the creation of the debt by your collection agency like ( 1. Where the debt originated from, 2. ) The sum paid by the bad debt buyer for the plaintiff 's debt, 3. ) How the total amount was determined, and 4 ) A list of documents that authorize the collection of debts. )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX 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 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX 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 explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX This is my response to wellsfargo. 

The letter states I turned down mortgage assistance on XX/XX/2011. THAT is a lie. Are you willing to say this under oath? Where is the evidence of that? I would never risk having my family on the streets. Back then my sons were XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. Wellsfargo turned down every attempt I tried to save my house. 

I am also attaching evidence the mortgage had a 2nd mortgage balloon payment with XXXX. Which I had to pay taxes on. 

Wellsfargo also states they will contact me if an remediation funds applies to me. I heard this last time I filed a complaint. I need CFPB to step in, cause they are just giving me the run around.

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 2024-11-27 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am filing this complaint regarding the inaccurate reporting of the XXXX account ( partial account number : XXXX ) on my credit report. The information reported by Equifax contains significant errors and inconsistencies, violating my rights under the Fair Credit Reporting Act ( FCRA ). I request the immediate removal of this account from my credit report. 

Identified Inconsistencies : XXXX. High Credit : - The account is inaccurately reported with a high credit value of {$0.00}, which is incorrect and does not reflect the actual account details. 

XXXX Credit Limit : - The reported credit limit is {$0.00}, which is inconsistent with accurate account information from other credit reporting agencies. 

XXXX. Payment History : - The payment history indicates significant delinquencies from XXXX to XX/XX/year>. These entries are inconsistent with previous records and can not be verified as accurate. 

XXXX. Date of Last Payment : - The reported date of last payment is listed as XX/XX/year>, which conflicts with the information maintained by other credit bureaus. 

FCRA Violations : 1. 15 U.S.C. 1681e ( b ) : Equifax is required to maintain reasonable procedures to ensure maximum possible accuracy of information. The errors in the reported high credit, credit limit, payment history, and last payment date demonstrate a failure to comply with this provision. 

XXXX. 15 U.S.C. 1681i ( a ) : This accounts history and values are incorrect, incomplete, and outdated. Despite these errors, Equifax has failed to correct the inaccuracies after previous disputes, violating its obligation to reinvestigate disputed information promptly and thoroughly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hard inquiries not approved by me are damaging my credit. Remove them now.

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 2024-11-27 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: World Omni Financial Corp.
State: AL

Complaint narrative:
SE TOYOTA FIN XXXX XXXX XXXX  XXXX Southeast Toyota Finance XXXX XXXX XXXX XXXX, AL XXXX Company violated laws 15 USC 1692c ( c ), 15 USC code 6802, 15 USC 1681b , and 18 USC 1028A . Information needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account XXXX : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: UT

Complaint narrative:
This particular complaint is regarding Account Number XXXX. The invoice is from XXXX XXXX XXXX. Services were provided at XXXX XXXX XXXX XXXX on XX/XX/XXXX. First, I have already received XXXX statements from XXXX XXXX XXXXXXXX XXXX for services provided to XXXX XXXX ( my minor son at the time ). Those statements are for account number XXXX and XXXX. I have called the hospital, and I have been on a payment arrangement with the hospital since I received the statements. My son, XXXX XXXX was seen in the XXXX  on XX/XX/XXXX, he was XXXX  at the time. I am noted as the responsible party since he was XXXX  at the time. On XX/XX/XXXX ( almost a year later! ) I received a statement from XXXX XXXX XXXX with for the account number listed in my first sentence. The statement shows an amount due of {$1700.00}. Again, I am shocked I am getting a statement almost a year after the fact. I called the number on the statement ( That was sent to me, XXXX XXXX! ) and I was told they will not speak with me about the statement without my son 's permission since he is now XXXX. He was not XXXX at the time of the visit hence why I am being billed. He is in state custody, and I am not readily able to get his permission. I have no idea what this invoice is for. They refused to tell me anything. They did say my insurance has not paid. This is odd to me as at that time in XXXX we had met our out-of-pocket XXXX. This entire invoice should be covered as we had met our out-of-pocket deductible already. This need to be resolved. I have added proof showing this has been paid by my insurance. I expect an updated invoice showing a XXXX balance. 

Today is now XX/XX/XXXX and this same " invoice '' has been sold to CMRE financial, and they are trying to collect on this " debt ''. There are a few glaring issues with this : 1.The statements I have for this amount state my insurance was billed, yet they didn't pay anything. I had met my deductible, and this bill should have been covered. 
XXXX XXXX XXXX XXXX refused to talk to me about and invoice they sent me almost a year after service.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: NY

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully urge you to promptly take decisive action to remove the fraudulent accounts 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 2024-11-27 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: MA

Complaint narrative:
The credit bureau changes my credit score 3-4 times a month. This action has resulted in a very low credit score and has caused my credit cards to close the accounts on me because of my constant change in credit score.

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 2024-11-27 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
The credit bureau changes my credit score 3-4 times a month. This action has resulted in a very low credit score and has caused my credit cards to close the accounts on me because of my constant change in credit score.

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 2024-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
1. Mailed Check for rent.

2. Checked was bleached and a new and new fraudulent name was deposited.

3. Fraudulent check was deposited online that was not detected by chase deposit security 4. Once I was made aware, I immediately contacted chase by phone to advise of the fraud. They assured that I will be reimbursed within 14 days.

5. After 14 days, I inquired of the status of the reimbursement. They stated to call again at the end of the month.

6. Shortly after, I received a letter denying my claim due to " time lapse ''. Please see attached letter.

I attempted multiple times to request correction by phone or in person at chase. They denied due to time lapse. I could not find or have received any terms of agreement of the specified allotted time when claiming reimbursement for a fraudulent check.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: NC

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$350.00} XXXX  XXXX Balance : {$760.00} XXXX XXXX  XXXX XXXX : {$36.00} XXXX XXXX XXXX XXXXXXXX Balance XXXX {$3000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX : {$210.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$650.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$3700.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance : {$700.00} XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/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 2024-11-27 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:
I am writing to formally request the blocking and deletion of fraudulent accounts that have appeared on my credit report. As a victim of a data breach, I did not authorize these accounts. 
Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I ask that these accounts be removed promptly.

Fraudulent Accounts to Be Blocked and Deleted XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$4700.00} XXXX XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$6500.00} XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$3000.00} XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$2600.00} XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$15000.00} XXXX. XXXX XXXX Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$32.00} XXXX. XXXX XXXX XXXXXXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$2800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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:
I am writing to formally request the blocking and deletion of fraudulent accounts that have appeared on my credit report. As a victim of a data breach, I did not authorize these accounts. 
Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I ask that these accounts be removed promptly.

Fraudulent Accounts to Be Blocked and Deleted XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$4700.00} XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$6500.00} XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$3000.00} XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$2600.00} XXXX. XXXXXXXX XXXX  o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$15000.00} XXXX. XXXX XXXX Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$32.00} XXXX. XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$2800.00}

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 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company 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 2024-11-27 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: NC

Complaint narrative:
I am writing to formally request the blocking and deletion of certain accounts and inquiries that appear on my credit report as a result of identity theft, in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). As a victim of a data breach, I have reason to believe these accounts and inquiries were made fraudulently and without my authorization. 
Accounts to Be Blocked and Deleted : XXXX. XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$00.00} XXXX. XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$00.00} XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$810.00} XXXX. XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$160.00} XXXX. XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$1500.00} XXXXXXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$22000.00} Inquiries to Be Removed : XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief