vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 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 did not initiate these inquiries and suspect them to be fraudulent. I request a thorough investigation and their prompt removal from my credit report. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 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: FL

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 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: NY

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.

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 2024-04-04 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: CA

Complaint narrative:
The debt the credit reporting agencies are reporting is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Financial Asset Management Systems Inc
State: GA

Complaint narrative:
XXXX XXXX sent a ~ {$300.00} debt to FAMS. The debt was due to an error on XXXX part in billing my insurance. This is the third similar experience weve had since XXXX switched from XXXXXXXX XXXX XXXX. 
In this case I just decided to pay it to avoid the hassle of engaging my insurance company ( who I no longer have ). So the debt is paid to XXXX and no longer a valid debt. 
FAMS calls my phone XXXX times a day. When I answer, they hang up. I suspect its a robo-dial system and if no operator is available they disconnect. 
I am unable to stop FAMS from calling. Im unable to dispute the debt. I cant get them to answer the phone. Im beyond frustrated and really dont know what to do to make it stop.

Im attaching a call log. All of the calls from Georgia numbers are from FAMS auto dialer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 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: 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. Account name : XXXX XXXX XXXX # XXXX15 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. The date of service is XX/XX/XXXX and also XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 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: 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. Account name : XXXX XXXX XXXX # XXXX15 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. The date of service is XX/XX/XXXX and also XX/XX/XXXX 2019

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 2024-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: P&B Capital Group, LLC
State: CA

Complaint narrative:
I am not sure what happened. I am being charged for some merchandise that I have never received that I have never ordered. I called this company the moment it happened and let them know that it was not me. They should have documentations of that conversation cause I called maybe three times. They stated that it will be taken care of, I would not have to pay because I did not order this merchandise and I did not receive this merchandise now I am seeing this on my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 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 did not initiate these accounts, and I suspect them to be fraudulent. I request a thorough investigation and their removal from my credit report. Attached are supporting documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.

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 2024-04-04 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: FL

Complaint narrative:
XXXX To W

hom It May Concern : Pursuant to : 15 USC 6802 15 USC 6805 16 CFR 313 16 CFR 433.2 16 CFR 433.3 15 USC 1681 inaccurate reporting As a fed protected consumer, I am opting out of any and all authorization the consumer may have given you written unwritten, verbal and nonverbal per 15 USC 6802. I am rescinding authorization ; effective immediately and indefinitely. Also ; It is illegal to report transaction history ; update to paid as agreed immediately ; 15 USC 6805. The creditor has performed a violation of the collection laws of the United States found at 15 U.S.C. 16921692p The consumer, in reliance of the Codes and Regulations, as a federally protected consumer and debtor, believes that any statements then, now or in the morrow are simply billing errors presented by the creditor ( 12 C.F.R. 1026.13 ( a ) ). Accordingly, 16 C.F.R. 433.3 does not exempt the creditor from any claims or defenses as described in 16 C.F.R. 433.2 ( a ). As the consumer has the right to invoke his/her rights as the debtor in this consumer credit contract against creditor for the unfair a
nd deceptive trade practices stated herein as no contract after the date of XX/XX/, is exempt from 16 C.F.R. 433.3. 


Regards, XXXX, 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 2024-04-04 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: FL

Complaint narrative:
XXXX To Whom It May Concern : Pursuant t

o : 15 USC 6802 15 USC 6805 16 CFR 313 16 CFR 433.2 16 CFR 433.3 15 USC 1681 inaccurate reporting As a fed protected consumer, I am opting out of any and all authorization the consumer may have given you written unwritten, verbal and nonverbal per 15 USC 6802. I am rescinding authorization ; effective immediately and indefinitely. Also ; It is illegal to report transaction history ; update to paid as agreed immediately ; 15 USC 6805. The creditor has performed a violation of the collection laws of the United States found at 15 U.S.C. 16921692p The consumer, in reliance of the Codes and Regulations, as a federally protected consumer and debtor, believes that any statements then, now or in the morrow are simply billing errors presented by the creditor ( 12 C.F.R. 1026.13 ( a ) ). Accordingly, 16 C.F.R. 433.3 does not exempt the creditor from any claims or defenses as described in 16 C.F.R. 433.2 ( a ). As the consumer has the right to invoke his/her ri
ghts as the debtor in this consumer credit contract against creditor for the unfair and deceptive trade practices stated herein as no contract after the date of XX/XX/, is exempt from 16 C.F.R. 433.3. 


Regards, XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 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: CA

Complaint narrative:
I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
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

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 2024-04-04 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: GA

Complaint narrative:
The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.

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 2024-04-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-04-04 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: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding a potentially erroneous collection account entry on my credit report, which I believe represents a case of double jeopardy. The account in question that has been recently added is : Account name : XXXX XXXX Account type : Collection Agency Account number : XXXX Original Creditor : XXXX XXXX Balance owed : {$460.00} The account is that was previously removed : Account name : XXXX XXXX Account type : Collection Agency Account number : XXXX Original Creditor : XXXX XXXX Balance owed : {$460.00} The details of this situation are as follows : - The original creditor and the balance listed for the current collection account are identical to those of a previously reported collection account. 
- This previous account had been removed from my credit report after being resolved or deemed incorrect. 
- Upon noticing the reappearance of this identical debt under a collection account. 
- I am concerned that this might be an error or a case of double jeopardy, where I am being penalized twice for the same debt. 
- The duplication of debt entries can have a significantly negative impact on my credit score and financial reputation, causing undue stress and potential financial harm. 
- I am unsure if this is an error on part of the credit reporting agency, the original creditor, or the collection agency. 
- In compliance with the Fair Credit Reporting Act, I request a thorough investigation into this matter to ensure the accuracy and fairness of my credit report. 
- Please consider this a formal complaint and I would appreciate your prompt attention to this matter. Guidance on how to proceed with rectifying this issue would also be greatly appreciated. 

Thank you for your assistance in resolving this potentially erroneous credit report entry. Your efforts to maintain the accuracy and fairness of consumer credit information are deeply valued. 

Sincerely, 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 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
XXXX To Whom It May Concern : Pursuant to : 15 USC 6802 15 USC 6805 16 CFR 313 16 CFR 433.2 16 CFR 433.3 15 USC 1681 inaccurate reporting As a fed protected consumer, I am opting out of any and all auth

orization the consumer may have given you written unwritten, verbal and nonverbal per 15 USC 6802.

I am rescinding authorization ; effective immediately and indefinitely.

Also ; It is illegal to report transaction history ; update to paid as agreed immediately ; 15 USC 6805.

The creditor has performed a violation of the collection laws of the United States found at 15 U.S.C. 16921692p The consumer, in reliance of the Codes and Regulations, as a federally protected consumer and debtor, believes that any statements then, now or in the morrow are simply billing errors presented by the creditor ( 12 C.F.R. 1026.13 ( a ) ).

Accordingly, 16 C.F.R. 433.3 does not exempt the creditor from any claims or defenses as described in 16 C.F.R. 433.2 ( a ). As the consumer has the right to invoke his/her rights as the debtor in this consumer credit contract against creditor for the unfair and deceptive trade practices stated herein as no contract after the date of XX/XX/1977, is exempt from 16 C.F.R. 433.3. 


Regards, XXXX, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX To Whom It May Concern : Pursuant to : 15 USC 6802 15 USC 6805 16 CFR 313 16 CFR 433.2 16 CFR 433.3 15 USC 1681 inaccurate reporting As a fed protected consumer, I am opting out of any and all authorization the consumer may have given you written unwritten, verbal and nonverbal per 15 USC 6802.

I am rescinding authorization ; effective immediately and indefinitely.

Also ; It is illegal to report transaction history ; update to paid as agreed immediately ; 15 USC 6805.

The creditor has performed a violation of the collection laws of the United States found at 15 U.S.C. 16921692p The consumer, in reliance of the Codes and Regulations, as a federally protected consumer and debtor, believes that any statements then, now or in the morrow are simply billing errors presented by the creditor ( 12 C.F.R. 1026.13 ( a ) ).

Accordingly, 16 C.F.R. 433.3 does not exempt the creditor from any claims or defenses as described in 16 C.F.R. 433.2 ( a ). As the consumer has the right to invoke his/her rights as the debtor in this consumer credit contract against creditor for the unfair and deceptive trade practices stated herein as no contract after the date of XX/XX/1977, is exempt from 16 C.F.R. 433.3. 


Regards, XXXX, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 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: CA

Complaint narrative:
Hi! 

I didn't give companies permission to view my credit score. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation