vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-10 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: MD

Complaint narrative:
This consumer reporting agency is in violation of 15 U.S. Code 1666b. A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I was not notified in the time frame.

1. 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
2. This account was CLOSED. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I do not validate this debt. 
XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
4. FDCPA Section 807 Violation Misleading False Reporting. Please remove it from my credit report XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
5. I have not supplied proof under the doctrine of estoppel by silence Engelhardt vs. Gravens ( mo ) XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt nor therefore any such debt in fact therefore exists. 
XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
6. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX 7. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. PLEASE DELETE IMMEDIATELY. 
Any failure to respond without deletion of the accounts listed above and a free copy of my report after the changes have been made will result in the above actions being taken against your bureau. I will also be seeking {$1000.00} per violation. 
Violation of 15 U.S Code 1666b Defamation Sincerely, 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 2024-02-10 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: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 2024-02-10 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: OH

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$590.00} XXXX XXXX Balance : {$590.00} XXXX XXXX Balance : {$590.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-10 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: OH

Complaint narrative:
Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any items listed on an id theft report. Please fnd the required documents to assist in the blocking of the erroneous information which is being posted to my report. 
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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-10 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: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-10 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: MD

Complaint narrative:
Recently, I researched my credit report, which resulted in tremendous despair. I'm XXXX XXXX XXXX This is harmful to my health and a defamation of my character. I discovered unverifiable, incorrect, erroneous, and doubtful data that your agency did not confirm to be 100 percent accurate. In accordance with 15 U.S.C. 1681e ( b ) ( b ) Accuracy of report, When preparing a consumer report, a consumer reporting agency must take reasonable measures to ensure the utmost possible accuracy of the information about the individual to whom the report pertains.

I am aware that under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ), in general, inaccurate or unreliable information must be treated as such.

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency shall ( i ) immediately 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 ) immediately notify the furnisher of that information that the data has been deleted or modified If you can not supply me with a copy of verifiable evidence within 15 days after the conclusion of your inquiry, you must remove the accounts and/or information specified below. Thank you for your assistance in this case.

1. 15 U.S code 1692 ( g ) validation of debt XXXX Account Number : XXXX Please remove it from my credit report. 
2. Pursuant to 15 USC 1681 a ( 2 ) ( B ) - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) I never gave you any written consent to report anything on my consumer report. 
XXXX Account Number : XXXX Please remove it from my credit report.

3. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I do not validate this debt. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
4. Erroneous account Direct Violation of 15 USC 1681 Reporting incorrectly. PAYMENT HISTORY DATES ACCOUNT NUMBERS BALANCE INCORRECT AMOUNTS PAYMENT STATUS Inaccurate across all 3 Bureaus XXXX XXXX and Equifax XXXX Account Number : XXXX Please remove it from my credit report. 
Thank you for your cooperation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: TrueAccord Corp.
State: NY

Complaint narrative:
This collector has attempted to contact me on or before XXXX on several occasions. They can not prove the amount they are attempting to collect. They are unwilling or unable to produce the original contract with my wet signature to prove the validity of the debt. The alleged debt is more than XXXX XXXX XXXX and is inaccurate. The amount owed has been disputed on multiple occasions, they are working in conjunction with XXXX, a know serial violator, infamous for their abuse of process. Hiring several debt collectors over time to collect the same erroneous debt. They are misrepresenting material facts and showing incorrect data.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 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 take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 2024-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 2024-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: MI

Complaint narrative:
Negative information was added to credit without validating debt. It is hurting my credit and causing me denials of applications.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Approximately XXXX years ago, my life took a drastic turn when Chase Bank initiated unauthorized withdrawals from my bank account for an unknown XXXX, which later turned out to be a scam. Despite my repeated warnings and pleas to cease these transactions, Chase Bank continued to withdraw funds from my account without my consent. 

The ramifications of this unfathomable breach of trust have been devastating. I have incurred a loss of {$14000.00} due to these unauthorized transactions, plunging me into a financial abyss from which I am struggling to emerge. What exacerbates the situation is the interconnected nature of my other XXXX cards, which facilitated further unauthorized withdrawals. 

I vehemently refused to bear the burden of a scam I had no involvement with, yet the consequences have been dire. My once stellar credit score of XXXX has plummeted to a mere XXXX, rendering me virtually ineligible for any form of financial assistance or stability. The repercussions of this ordeal have been far-reaching, threatening my very livelihood and pushing me perilously close to homelessness. 

While Chase Bank has acknowledged their erroneous actions after discovering the scam, the damage inflicted upon me remains irreparable. Despite their admission of fault, I have yet to witness any tangible efforts towards restitution or resolution. 

I implore you to intervene urgently and decisively in rectifying this egregious injustice. I seek not only the recovery of the stolen funds but also the restoration of my tarnished credit and financial stability. Time is of the essence, as the weight of this ordeal grows heavier with each passing day.

I beseech you to consider the profound ramifications of inaction and to expedite the necessary measures to alleviate my plight. Your prompt attention to this matter is paramount, as it holds the key to salvaging what little remains of my shattered life. 


Thank you for your immediate attention to this urgent matter. 

Yours sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 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: MD

Complaint narrative:
This consumer reporting agency is in violation of 15 U.S. Code 1666b. A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I was not notified in the time frame.

1. 15 U.S. Code 1681e ( b ) Accuracy of report Compliance procedures XXXX XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report.

2. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. This account was CLOSED. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
4. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXXXXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
5. 15 U.S. Code 1643 ( b ) Burden of proof Liability of holder of credit card XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX. This account was PAID and CLOSED. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. PLEASE DELETE IMMEDIATELY. 
Any failure to respond without deletion of the accounts listed above and a free copy of my report after the changes have been made will result in the above actions being taken against your bureau. I will also be seeking {$1000.00} per violation.

Violation of 15 U.S Code 1666b Defamation Sincerely, 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 2024-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland Credit Management have contacted my parents by mobile telephone numbers they obtained by searching my address online. They informed my father XXXX XXXX XXXX that he owed a debt of over {XXXX, and that a payment needed to be made to avoid a complaint from being filed and credit being ruined. My mother received a phone call asking if she was my wife and to confirm information about a loan that was issued.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P.
State: MI

Complaint narrative:
Debt was added to credit report without proof of debt. It is hurting my credit and causing application denials.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
My Apple XXXX card has been compromised for a year. Unauthorized transactions are in different cities, states on the same date and time, in some cases. 

It is tied to my XXXX XXXX bank account. I can prove with both bank statements and Apple statements the discrepancies. 

It's about $ XXXX so far. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 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: AZ

Complaint narrative:
Dear Sir/Madam, I am writing to inform you that you have violated provisions of the Fair Credit Reporting Act ( FCRA ) in your reporting of inaccurate eviction information on my consumer file after I disputed this information. 

Specifically, you failed to delete inaccurate past due amounts related to a 2018 eviction on my report as required by FCRA Section 611 ( a ) ( 5 ) ( A ). This section states that if a reinvestigation of disputed information finds the information to be inaccurate or unverifiable, you must " promptly delete that item from the file of the consumer '' By simply modifying the incorrect past due amounts and not removing the eviction information on my report, you violated the FCRAs requirements. Furnishers of information have a duty under Section 623 ( a ) ( 1 ) ( A ) to provide accurate consumer data. And none of the FCRAs exceptions allowing modified but undeleted information apply here, since the core issue is that the past due amounts themselves were inaccurate. 

I previously disputed this eviction record information based on these inaccuracies. Now I am demanding that you immediately delete this eviction information altogether to comply with FCRA Section 611s obligations for consumer reporting agencies. If you fail to do so, I will be forced to exercise my rights under Sections 616 and 617 of the Fair Credit Reporting Act to pursue legal damages against you for non-compliance with the statute.

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 2024-02-10 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: FL

Complaint narrative:
XXXX XXXX made {XXXXXXXX charges to my account that were not authorized

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-10 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: AZ

Complaint narrative:
Dear Sir/Madam, I am writing to inform you that you have violated provisions of the Fair Credit Reporting Act ( FCRA ) in your reporting of inaccurate eviction information on my consumer file after I disputed this information.

Specifically, you failed to delete inaccurate past due amounts related to a 2018 eviction on my report as required by FCRA Section 611 ( a ) ( 5 ) ( A ). This section states that if a reinvestigation of disputed information finds the information to be inaccurate or unverifiable, you must " promptly delete that item from the file of the consumer '' By simply modifying the incorrect past due amounts and not removing the eviction information on my report, you violated the FCRAs requirements. Furnishers of information have a duty under Section 623 ( a ) ( 1 ) ( A ) to provide accurate consumer data. And none of the FCRAs exceptions allowing modified but undeleted information apply here, since the core issue is that the past due amounts themselves were inaccurate.

I previously disputed this eviction record information based on these inaccuracies. Now I am demanding that you immediately delete this eviction information altogether to comply with FCRA Section 611s obligations for consumer reporting agencies. If you fail to do so, I will be forced to exercise my rights under Sections 616 and 617 of the Fair Credit Reporting Act to pursue legal damages against you for non-compliance with the statute.

Company response to consumer: Closed with explanation