vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Management Holdings, LLC
State: NJ

Complaint narrative:
After looking over my XXXX consumer report I've noticed that Collection Management its reporting a collection account that I am not aware of. I reached out to the creditor asking. them to provide verification documents which includes signed contracts & agreements, written consent from me giving them the permission to obtain and share my personal information, and proof of date of first delinquency. They never provided this information to me which violates 15 U.S. Code 1692g - Validation of debts. I am aware that I have a right of privacy and by them obtaining and sharing my personal information without my consent they violated 15 U.S. Code 6801 - Protection of nonpublic personal information and 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. After refusing to pay this alleged debt that I am unaware of, I asked the creditor to cease all communications with me which by definition of communications, reporting this debt to my consumer report is a form of communication in which they failed to do so. I am also asking that XXXX properly verify the information listed in my dispute letter and if they can not provide the provided documents asked then they must remove the account immediately in accordance of 115 U.S. Code 1681i - Procedure in case of disputed accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I am writing to address a matter of non-compliance with the Fair Credit Reporting Act ( FCRA ) Section 609 by the credit bureaus. I submitted a complaint to the credit bureaus regarding inaccuracies in my credit report, as per FCRA guidelines. According to the FCRA, the credit bureaus are legally obligated to respond within 30 days of submission. However, it has now been more than 30 days since my complaint was filed, and I have not received any response from the credit bureaus. As per FCRA rules, this failure to respond within the stipulated timeframe warrants the removal of the disputed negative items from my credit report. I kindly request that the credit bureaus address this issue promptly and take the necessary steps to rectify my credit report in accordance with FCRAregulations. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XXXX XXXX looked at acct and bal was XXXX and something cent.So called the XXXX XXXX XXXX  and said I disputed this charge. Then call the credit credit companies XXXX ( XXXX XXXX ) who said they were declined for a XXXX payment so they submitted the whole balance due and XXXX XXXX let that go thur but not the XXXX dollars. So, I told XXXX  XXXX I didnt approve that payment so they told me that it will be 1 or 2 weeks for the credit to be submitted back to my bank. Then I called XXXX XXXX back on XX/XX/XXXX because the charged me another fee of XXXX dollars and told them that its going to talk XXXX to XXXX statement cycle for the credit to be back into my acct and I disputed the charge because I didnt approve of the charge from old XXXX XXXX XXXX dollars out my acct and why would XXXX decline XXXX and not XXXX making me go into a neg bal that I dont have the money to pay and putting me in a hardship. The payment I made was XXXX dollars and being the first payment doesnt entitle them to the whole balance due on my account. I made the XXXX payment but XXXX declined it but let the XXXX. Payment go through that I didnt approve.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: IL

Complaint narrative:
I am requesting help to address the issue of an incorrect account on my credit report. This situation has damaged my reputation as a customer, and I need your intervention. These accounts must be deleted because they are being reported inaccurately and unfairly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Dispute of Bankruptcy in My Credit Report Request for Removal under Section 623A-5 Dear XXXX, I am writing to formally dispute the bankruptcy that has been incorrectly reported on my credit report. Under Section 623A-5 of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate, incomplete, or unverifiable information that is being reported.

Upon reviewing my credit report, I have identified that the bankruptcy listed in my credit history Equifax is incorrect. I am requesting your assistance in removing this from my credit report, as I believe it was reported in error or is not verifiable.

Details of the Dispute : Name of the court where the bankruptcy was filed : United States Bankruptcy Court Southern District Of Florida Bankruptcy case number : XXXX Date of bankruptcy filing : XX/XX/year> Reason for the dispute : Lack of debt validation, error in reporting Under Section 623A-5, I request that you investigate this matter and take appropriate actions to remove the incorrect information from my credit report. According to the applicable laws, the information must be accurate and verifiable, and in my case, it does not meet those criteria.

I have attached the relevant documents to support my dispute, including : A copy of my credit report showing the bankruptcy As stipulated by the Fair Credit Reporting Act, I understand that you are required to resolve this dispute within 30 days. I would appreciate it if you could update me on the progress of my case and the resolution of this dispute.

If this incorrect information is not removed, I will be forced to take further legal actions, which may include filing a complaint with the Department of Justice or pursuing additional legal measures. 

I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX XXXX XXXX Last 4 digits of your Social Security Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: CO

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX  Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: NJ

Complaint narrative:
I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

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

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: MS

Complaint narrative:
Subject : Request for Removal of Paid, Closed Account To Whom It May Concern : I am writing to formally request the removal of a paid, closed account from my credit reports. The account details are as follows : ( SEE ATTACHMENTS ) This account has been fully paid and is no longer active. While it is accurate that the account has been resolved, its continued presence on my credit report is no longer relevant to my current financial situation. I respectfully request that it be removed to better reflect my financial standing. 

To facilitate your investigation, I have enclosed proof of payment and account closure for your reference. Pursuant to the Fair Credit Reporting Act ( FCRA ), I request that this matter be addressed promptly. 

Please confirm receipt of this request and provide me with written notification once the account has been removed. If additional information or documentation is required, feel free to contact me directly. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: MS

Complaint narrative:
Subject : Request for Removal of Paid, Closed Account To Whom It May Concern : I am writing to formally request the removal of a paid, closed account from my credit reports. The account details are as follows : ( SEE ATTACHMENTS ) This account has been fully paid and is no longer active. While it is accurate that the account has been resolved, its continued presence on my credit report is no longer relevant to my current financial situation. I respectfully request that it be removed to better reflect my financial standing. 

To facilitate your investigation, I have enclosed proof of payment and account closure for your reference. Pursuant to the Fair Credit Reporting Act ( FCRA ), I request that this matter be addressed promptly. 

Please confirm receipt of this request and provide me with written notification once the account has been removed. If additional information or documentation is required, feel free to contact me directly. 

Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 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: NJ

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX Account Name : XXXXXXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Early Warning Services, LLC
State: MA

Complaint narrative:
I am writing to formally lodge a complaint regarding the numerous inaccuracies and unauthorized activities reported on my credit file, as well as the ongoing issues with your handling of my case. My ordeal began in 2015, and despite multiple attempts to resolve these issues, I have faced persistent neglect and unresponsiveness. 

Unresponsive Customer Service : Each time I call your office, I am directed to representatives who lack proficiency in American English, making effective communication nearly impossible. Furthermore, I have repeatedly received letters from your agency stating that you refuse to investigate my disputes, claiming that a credit repair lab is involveda claim which is completely untrue. I have submitted a valid police report clearing my name, yet your agency continues to disregard it. 

Inaccurate Personal Information : Even my basic personal information, including my name and address, is incorrect on your records. Please note that my correct address XXXX XXXX XXXX XXXX ma XXXX XXXX keep your records straight Failure to address these concerns promptly will leave me with no choice but to escalate this matter by filing complaints with the Consumer Financial Protection Bureau XXXX CFPB ) and pursuing legal action under relevant federal and state laws

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: NC

Complaint narrative:
I received a cooy of my credit report and find the following items on my equifax unfamiliar i have explained the discrepancies of the inquiries XXXX XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX  XX/XX/2024 XXXX MAIN XX/XX/XXXX XXXX to my records the information they are reporting on my credit profile is unrecognizable.I would like that this be remove from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 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: GA

Complaint narrative:
I need your support to address the inaccurate account showing on my credit report. This situation has affected my reputation as a customer, and I am requesting your help to remove these false and harmful accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These accounts should not appear on my credit report, as they are incorrect and should not be combined. The entries you have shown are false, and I have never been involved in any of the activities you are accusing me of. This is not only unfair but also extremely troubling. If you do not investigate and correct these errors, I will pursue legal action.

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 2024-12-18 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: NC

Complaint narrative:
I am writing to inform you that I am a victim of a data breach. As a result, fraudulent accounts have appeared on my credit report. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following fraudulent accounts be immediately blocked and deleted from my credit file. These accounts were opened without my authorization and are a result of the data breach. 
Accounts to be Blocked and Deleted XXXX. XXXX XXXX XXXX Account # XXXX Reported : XX/XX/year> Amount : {$1200.00} XXXX. XXXX XXXX XXXX Account # XXXX Reported : XX/XX/year> Amount : {$0.00} XXXX. XXXX XXXX Account # XXXX Reported : XX/XX/year> Amount : {$0.00} XXXX. XXXX XXXX Account # XXXX Reported : XX/XX/year> Amount : {$0.00}

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 non-monetary relief
Consumer complaint received 2024-12-18 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: MI

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

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 2024-12-18 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: MI

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

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 2024-12-18 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: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

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