vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-13 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: CL Holdings LLC
State: TX

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Cease and Desist Demand Regarding Debt Collection Communications Dear XXXX XXXX, I am writing to formally request that you cease all communication with me regarding the alleged debt referenced in your previous communications. This letter serves as a cease and desist demand under the Fair Debt Collection Practices Act ( FDCPA ). 

Case law has affirmed my right to request the cessation of debt collection communications. In *XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the court ruled that a consumers request to cease contact must be honored by the collection agency to avoid further violation of the FDCPA. Any additional communication beyond what is permitted constitutes a breach of my rights under federal law. 

Furthermore, the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX ), reinforces the consumers right to privacy and the obligation of debt XXXX to honor requests for cessation of contact. Ignoring this cease-and-desist demand will constitute harassment and a violation of the FDCPA. 

Please consider this letter your formal notice to cease and desist all communication with me regarding this matter. Any further attempts to contact me, including but not limited to phone calls, letters, or electronic communications, will be considered a violation of my rights under federal law, and I will not hesitate to take appropriate legal action if necessary. 

Thank you for your immediate attention to this matter. I expect written confirmation that you have received this letter and that you will comply with my request. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: AR

Complaint narrative:
During a recent review of my credit report, I found errors concerning late payments. These inaccuracies do not align with my typical payment habits. Please fix this and ensure my account reflects the correct information.

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 2024-12-13 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: WI

Complaint narrative:
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 XXXXRE : Dispute of Reporting and Cease and Desist RequesXXXX XXXXAccount Number : XXXX Dear Sir/Madam, I am writing to formally dispute the reporting of the above-referenced account on my credit file. I do not have any recollection of this account, and it appears that it is past the statute of limitations for collection in both Wisconsin and Tennessee.

Moreover, you have not obtained my written consent to furnish my information to any credit reporting agencies, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, under 15 U.S.C. 1681s-2, you are prohibited from furnishing information regarding a consumer that you know or should have known was inaccurate.

Additionally, I would like to point out that 15 U.S.C. 1666b prohibits the reporting of unauthorized payments. Since I do not recognize this account, the reporting of late payments is unauthorized and therefore inaccurate.

In light of these violations, I am requesting that you cease all communication regarding this alleged debt. This includes any form of communication with me, as well as any reporting to credit bureaus. Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), once a consumer notifies a debt collector in writing of their refusal to pay an alleged debt, the debt collector must cease all communication.

I would like to emphasize that the following laws have been violated in your handling of this account : 1. **Fair Credit Reporting Act ( FCRA ) ** - Reporting inaccurate information without consent ( 15 U.S.C . 1681s-2 ).

2. **Fair Debt Collection Practices Act ( FDCPA ) ** - Continuing to communicate regarding a debt without valid consent ( 15 U.S.C . 1692c ( c ) ).

3. **Regulation Z ( Truth in Lending Act ) ** - Prohibition against reporting unauthorized payments ( 15 U.S.C . 1666b ).

I expect your immediate attention to this matter. Should you ignore this request, I will not hesitate to seek legal action to protect my rights as a consumer. 

I would also like a letter of deletion notification sent to XXXX so that I can have proof sent to the other agencies for immediate removal! 

Thank you for your cooperation. 

Sincerely, [ 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 2024-12-13 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: WI

Complaint narrative:
[ 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  **RE : Dispute of Reporting and Cease and Desist Request*XXXX XXXX XXXX XXXX XXXXXXXX Dear Sir/Madam, I am writing to formally dispute the reporting of the above-referenced account on my credit file. I do not have any recollection of this account, and it appears that it is past the statute of limitations for collection in both Wisconsin and Tennessee.

Moreover, you have not obtained my written consent to furnish my information to any credit reporting agencies, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, under 15 U.S.C. 1681s-2, you are prohibited from furnishing information regarding a consumer that you know or should have known was inaccurate.

Additionally, I would like to point out that 15 U.S.C. 1666b prohibits the reporting of unauthorized payments. Since I do not recognize this account, the reporting of late payments is unauthorized and therefore inaccurate.

In light of these violations, I am requesting that you cease all communication regarding this alleged debt. This includes any form of communication with me, as well as any reporting to credit bureaus. Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), once a consumer notifies a debt collector in writing of their refusal to pay an alleged debt, the debt collector must cease all communication.

I would like to emphasize that the following laws have been violated in your handling of this account : 1. **Fair Credit Reporting Act ( FCRA ) ** - Reporting inaccurate information without consent ( 15 U.S.C . 1681s-2 ).

2. **Fair Debt Collection Practices Act ( FDCPA ) ** - Continuing to communicate regarding a debt without valid consent ( 15 U.S.C . 1692c ( c ) ).

3. **Regulation Z ( Truth in Lending Act ) ** - Prohibition against reporting unauthorized payments ( 15 U.S.C . 1666b ).

I expect your immediate attention to this matter. Should you ignore this request, I will not hesitate to seek legal action to protect my rights as a consumer.

I would also like a letter of deletion notification sent to XXXX so that I can have proof sent to the other agencies for immediate removal! 

Thank you for your cooperation. 

Sincerely, [ 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 2024-12-13 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: CA

Complaint narrative:
I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT in accordance with FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 


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/year>

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 2024-12-13 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: CO

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following dates ( XX/XX/year>, XX/XX/year> ) I'm now requesting this account be updated to paid on time/ never late immediately. Thank you for your understanding and prompt 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 explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was a victim of identity theft, which resulted in numerous unauthorized accounts being fraudulently opened under my name. Despite filing disputes with the credit bureaus and providing evidence through a valid FTC identity theft report, the following accounts remain on my credit report : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts were fraudulently opened without my consent and are negatively impacting my credit profile. The XXXX XXXX account, where I am listed as an authorized user, was added without my knowledge or permission. 

Additionally, incorrect personal information, such as aliases and previous addresses, has been added to my credit report. The credit bureaus failed to comply with their obligations under the Fair Credit Reporting Act ( FCRA ) by not conducting a proper investigation or removing these fraudulent accounts after my disputes.

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 2024-12-13 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. 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 2024-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
First, I would like to say I do not call the bank once a week or even once a month asking for help. I am a long-time customer, and they can see my account is usually in good standing. I have asked for help with fees XXXX other time in XXXX. I do not make a habit of getting overdraft fees. 

I am asking for help with XXXX recent overdraft fees. My checking account recently went into a tailspin as a result of a $ XXXX XXXX  XXXX I called the party that issued the XXXX, and they agreed to give me the money back. They sent a letter to Wells Fargo on XX/XX/XXXX telling them to put the $ XXXX back in my account, however for whatever reason, Wells Fargo XXXX not get it until XX/XX/XXXX. Meanwhile, I was charged XXXX overdraft fees from auto pay bills going through my account. If the money had been back in my account on XX/XX/XXXX, I never would have received the overdraft fees. Wells Fargo can clearly see the letter they received to reverse the XXXX  was dated XX/XX/XXXX and I feel it would be in good faith to reverse my overdraft fees since the fees came well after XX/XX/XXXX. 

I feel this another way of Wells Fargo being unfair, predatory, and taking advantage of people. Please help. I am asking Wells Fargo for {$140.00}, not a pot of gold. 

Thanks 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 2024-12-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: World Acceptance Corporation
State: AL

Complaint narrative:
Dear Sir/Madam, I am formally invoking my right to arbitration regarding my account due to unresolved issues that Ive been unable to address through standard dispute channels. Despite multiple disputes with the Credit Reporting Agencies, my account information remains inaccurate, leaving me no choice but to pursue arbitration per our agreement. 

This arbitration is governed by the Federal Arbitration Act ( FAA ) and applies to all relevant parties as outlined in the original agreement. 

To potentially avoid formal arbitration, I propose a straightforward resolution : World Finance Corporation account number XXXX Please remove the debt in question from my credit report. 
Could you provide written assurance that my account information will not be shared with third parties? 
If these terms are agreeable, we can avoid arbitration. Please respond as soon as possible with either acceptance of this solution or further steps for arbitration. 

Thank you for your understanding and prompt action. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on 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 2024-12-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I am complaining about Bank of America because they offered me a free personal cybersecurity from XXXX XXXX XXXX. However the file to download and install the software is not secure. I am not able to download it because there are security issues with the file. he site at XXXX XXXX was loaded over a secure connection, but the file at XXXX XXXX was redirected through an insecure connection. This file should be served over XXXX. See XXXX for more details.

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 monetary relief
Consumer complaint received 2024-12-13 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: NY

Complaint narrative:
There are several accounts on my credit report that I did not authorize. I am requesting their removal as I believe they are 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 2024-12-13 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. 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 explanation
Consumer complaint received 2024-12-13 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: GA

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXXXXXX XXXX BALANCED {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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: GA

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : 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 2024-12-13 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:
n 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. 

XXXXXXXX XXXX XXXXXXXX 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 ). 

I looked at my credit score on XXXX XX/XX/year> and noticed some inaccurcies, And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In XXXX, after any reinvestigation under paragraph ( XXXX ) 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.

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

Company response to consumer: Closed with non-monetary relief