vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-15 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX Account # IXXXX  I. Complaint : I am filing a complaint against IQ Data International , Inc. for violating the Fair Debt Collection Practices Act ( FDCPA ) and my rights as a consumer. 
XXXX. Disputed Debt and Revocation of Communication : I dispute the validity of any and all debts IQ Data International claims I owe. I revoke all consent to be contacted by IQ Data International via email, text message, or phone call. 
XXXX. Debt Validation Request : I have requested debt validation from IQ Data International but have not received a response as required by the FDCPA ( 12 CFR 1006.34 ( b ) ( 5 ) ). 
XXXX  Purchase Agreement and Licensing Information : I request a copy of the purchase agreement between the original creditor and IQ Data International. Additionally, I request proof of IQ Data International 's licensing and bonding to collect debt in the state of Texas, as mandated by Texas XXXX XXXX. 
XXXX  Violation of FDCPA : Non-existent Debt Verification : IQ Data International has not provided debt validation information in violation of 12 CFR 1006.34 ( b ) ( 5 ). Despite this, they placed a collection notice on my credit report. 
False & Deceptive Practices : IQ Data International is violating the Fair Credit Reporting Act ( FCRA ) by using false, misleading, and deceptive means to collect a debt ( 15 U.S.C. 1681s-2 ( 7 ) ( A ) ).

Failure to Provide Dispute Opportunity : IQ Data International has not provided a reasonable opportunity to dispute the debt as required by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). 
XXXX Requested Relief : I demand complete validation of the alleged debt, including the original creditor, purchase agreement, and account details. 
I request IQ Data International remove the collection notice from all my credit reports.

I request IQ Data International cease all communication attempts until the debt is validated. 
XXXX. Supporting Documents : I will attach copies of any relevant documents to this complaint, including debt validation requests sent to IQ Data International and any communication received from them. 
XXXX. Warning : I am aware that filing a frivolous complaint is a violation. I believe, to the best of my knowledge, that the information provided in this complaint is accurate and truthful.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 non-monetary relief
Consumer complaint received 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX Phone : XXXX Email address : XXXX Subject : Formal Complaint Regarding Collection Accounts on Credit Report Complaint Details : Account Information : Creditor Name : XXXX  Account Number : XXXX There are inaccuracies on the dates that the account was opened. 

Creditor Name : XXXX XXXX  Account Number : XXXX There are also inaccuracies on when the account was opened and the current status of the account Creditor Name : XXXX XXXX XXXX Account NumberXXXX Issue Description : I am filing this complaint to dispute the collection accounts listed on my credit report from the aforementioned creditor. These accounts are negatively impacting my credit score and financial well-being. I believe the creditor has violated the Fair Debt Collection Practices Act ( FDCPA ), specifically : 1. 15 U.S. Code 1692g - Validation of Debts : Under 15 U.S.C. 1692g, I have the right to request debt validation. I have not received proper validation of the debts from the creditor. The collection agency is required to provide verification of the debt, including the original creditors name and address, and a copy of any judgments. To date, I have not received any such validation.

2. 15 U.S. Code 1692c - Communication in Connection with Debt Collection : According to 15 U.S.C. 1692c, the collection agency is restricted from communicating with me at inconvenient times or places without my consent. The collection agency has contacted me at inappropriate times and/or places, which I believe is a direct violation of this provision.

Documentation : I have attached the following documentation to support my complaint : 1. Copies of my credit report showing the disputed collection accounts.

2. Any correspondence between myself and the collection agency regarding debt validation requests.

3. Records of communication attempts made by the collection agency, including dates and times.

Request for Resolution : I respectfully request the following actions to resolve this issue : 1. Immediate removal of the collection accounts from my credit report due to the failure to validate the debts as required by law.

2. Cease all communications from the collection agency regarding these accounts. 

Signature : 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 2024-07-15 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX Phone : XXXX Email address : XXXX Subject : Formal Complaint Regarding Collection Accounts on Credit Report Complaint Details : Account Information : Creditor Name : XXXX  Account Number : XXXX There are inaccuracies on the dates that the account was opened. 

Creditor Name : XXXX XXXX  Account Number : XXXX There are also inaccuracies on when the account was opened and the current status of the account Creditor Name : XXXX XXXX XXXX Account NumberXXXX Issue Description : I am filing this complaint to dispute the collection accounts listed on my credit report from the aforementioned creditor. These accounts are negatively impacting my credit score and financial well-being. I believe the creditor has violated the Fair Debt Collection Practices Act ( FDCPA ), specifically : 1. 15 U.S. Code 1692g - Validation of Debts : Under 15 U.S.C. 1692g, I have the right to request debt validation. I have not received proper validation of the debts from the creditor. The collection agency is required to provide verification of the debt, including the original creditors name and address, and a copy of any judgments. To date, I have not received any such validation. 
2. 15 U.S. Code 1692c - Communication in Connection with Debt Collection : According to 15 U.S.C. 1692c, the collection agency is restricted from communicating with me at inconvenient times or places without my consent. The collection agency has contacted me at inappropriate times and/or places, which I believe is a direct violation of this provision.

Documentation : I have attached the following documentation to support my complaint : 1. Copies of my credit report showing the disputed collection accounts. 
2. Any correspondence between myself and the collection agency regarding debt validation requests. 
3. Records of communication attempts made by the collection agency, including dates and times. 

Request for Resolution : I respectfully request the following actions to resolve this issue : 1. Immediate removal of the collection accounts from my credit report due to the failure to validate the debts as required by law. 
2. Cease all communications from the collection agency regarding these accounts. 

Signature : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 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: TX

Complaint narrative:
XX/XX/XXXX my score was negatively impacted by XXXX XXXX reporting my loans 90 days late while loans were in consolidation. They obviously did this intentionally. I had no control on loans transferring to another services - XXXX. They are deliberately sending me in circles. Filed credit bureau disputes. They only updated line on loans. My score is still damaged. Im

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 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want these inquiries to be deleted from my credit report because I did not authorize these companies to run my credit this is fraudulent.

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 2024-07-15 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: TX

Complaint narrative:
I want these inquiries to be deleted from my credit report because I did not authorize these companies to run my credit this is fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 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: NY

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 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:
Please take a look at the attached letters and ID docs for verification that it is I 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 explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
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 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My Experian account was hacked by an identity theft. They utilized my social security number birthday and numerical number on address to hack my account. I called to get access to my account. Its impossible to reach a human agent on the phone. The automated system is ridiculous and requires not much information to get into the system. The system they require is what identity thefts have already stolen.

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 2024-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase bank abruptly closed my account. Despite multiple inquires, I have not received any explanation or information regarding this action. Please provide a detailed and resolution promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 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: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I 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 explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am writing to formally request the correction of inaccurate information on my credit report. This is my attempt to rectify these errors, which are significantly impacting my creditworthiness. I request that you provide written confirmation of the results of your investigation and the steps taken to correct these inaccuracies. Additionally, please send me an updated copy of my credit report once the corrections have been made. Please help me correct or remove the following accounts : 1. XXXX  XXXX XXXX Balance Owed : {$0.00} - Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. 

2. XXXX XXXX Balance Owed : {$0.00} - I need this account be corrected NOW. 

3. XXXX XXXX Balance Owed : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

4. XXXX  XXXX XXXX Balance Owed : {$0.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. 

5. XXXX  XXXX XXXX Balance Owed : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and high balance. I believe this information may be inaccurate. Immediate removal of this item is necessary. 

6. XXXX  XXXX XXXX Balance Owed : {$710.00} - The payment history and status are inaccurate. According to FCRA 's Compliance/Obsolescence date determines when the 7-year reporting period begins for accounts that have been charged-off or placed for collection. Please delete this account immediately. 

7. XXXX XXXX Balance Owed : {$0.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. 

8. XXXX  XXXX XXXX Balance Owed : {$79.00} - The limit to this account was a fraction of the amount due as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 

9. XXXX XXXX Balance Owed : {$0.00} - XXXX believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor believe one exists. Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it.

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 2024-07-15 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: MO

Complaint narrative:
I am writing to formally request the correction of inaccurate information on my credit report. This is my attempt to rectify these errors, which are significantly impacting my creditworthiness. I request that you provide written confirmation of the results of your investigation and the steps taken to correct these inaccuracies. Additionally, please send me an updated copy of my credit report once the corrections have been made. Please help me correct or remove the following accounts : 1. XXXX  XXXX XXXX Balance Owed : {$0.00} - Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. 

2. XXXX XXXX Balance Owed : {$0.00} - I need this account be corrected NOW. 

3. XXXX XXXX Balance Owed : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

4. XXXX XXXX XXXX Balance Owed : {$0.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. 

5. XXXX  XXXX XXXX Balance Owed : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and high balance. I believe this information may be inaccurate. Immediate removal of this item is necessary. 

6. XXXX  XXXX XXXX Balance Owed : {$710.00} - The payment history and status are inaccurate. According to FCRA 's Compliance/Obsolescence date determines when the 7-year reporting period begins for accounts that have been charged-off or placed for collection. Please delete this account immediately. 

7. XXXX XXXX Balance Owed : {$0.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. 

8. XXXX  XXXX XXXX Balance Owed : {$79.00} - The limit to this account was a fraction of the amount due as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 

9. XXXX XXXX Balance Owed : {$0.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor believe one exists. Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 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: NY

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2024-07-15 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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