vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-12 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: MN

Complaint narrative:
XXXX XXXX XX/XX/2024 XXXX  XXXX XX/XX/2024 15 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-06-12 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: Merchants Adjustment Service, Inc.
State: FL

Complaint narrative:
Merchants Adjustment Services keeps filing collection notices on my credit reports, and renewing them every month. These collections efforts have to do with medical bills that XXXX XXXX XXXX approved at he time of the service, but then later refused to pay. 
They obviously can not get the payments out of XXXX XXXX XXXX XXXX so they are coming after me as the easier target. I have a XXXX credit rating, but these clowns keep pulling my rating down by filing non-payment charges on my credit every month in efforts to force me to pay debts that are XXXX XXXX XXXX XXXX responsibility. 

Help!

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 2024-06-12 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Paula G Kaplan Esq
State: NJ

Complaint narrative:
I went to a XXXX doctor in XXXX. Unfortunately my husband and myself became very ill I was on XXXX for over XXXX months and just got back to work just got a letter from an attorney who said they havent initiated a suit yet but payment needs to be made in full by XX/XX/year>. I can not do this in less than a month only being back at work for a month. I feel threatened and like I will be sued. I have a copy of the letter.

Company response to consumer: Untimely response
Consumer complaint received 2024-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
I would like the immediate removal of the fraud alert on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 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: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX This account Is identity theft. I have filled out all paperwork with state federal government and this needs to come off my credit report or I will be following charges against your company.You have 30 days from receipt of letter. 

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 2024-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My personal information are incorrect

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My personal information are incorrect

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 2024-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NH

Complaint narrative:
Dispute of Inaccurate Information and Debt Validation Request Account Number : XXXX Collection/ChargeOff with XXXX Dear Experian, I am writing to dispute the accuracy of information contained in my consumer credit report. Upon recent review, I have discovered entries that violate the Fair Credit Reporting Act ( FCRA ), particularly Section 611, which mandates the maximum possible accuracy of information in a consumer 's file. Additionally, the entries in question were reported without my written permission, contravening the requirements outlined in 15 U.S. Code 1681b ( 2 ) of the FCRA. As such, I request an immediate, comprehensive, and impartial investigation into these entries. Please provide a detailed response outlining the findings of this investigation, including the original written instructions from me with my wet signature. Furthermore, pursuant to Section 809 of the Fair Debt Collection Practices Act ( FDCPA ), I am formally disputing the validity of the debt referenced above. Please be advised of the following : Dispute of the Debt : I dispute the validity of the debt, or any portion thereof, as stated in your notice. According to the FDCPA, you are required to cease all collection activities until you provide verification of the debt. Verification Requirement : As per Section 809 ( b ) of the FDCPA, I request that you provide me with verification of the debt, including a copy of any judgment if applicable.
Original Creditor Information : Additionally, if the debt has been sold or transferred, I request the name and address of the original creditor, as required by Section 809 ( a ) ( 5 ) of the FDCPA.

Cease Collection Activities : Until you provide the requested verification of the debt or a copy of a judgment against me, you must cease all collection activities related to this debt in accordance with the FDCPA.

Accuracy of Report : According to 15 U.S. Code 1681e ( b ), consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information. Additionally, please be aware that, according to Section 809 ( a ) of the FCRA, you are required to provide me with written notice of my right to dispute the debt and request validation.

Verification of Contacts : I request that you provide me with the name and address of the person ( s ) that you contacted to allegedly verify the information that I have rightfully disputed.

Failure to provide the requested validation within the specified timeframe will be considered a violation of the FCRA, and I reserve my rights to pursue legal remedies available under the law.

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 explanation
Consumer complaint received 2024-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2024-06-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I had a credit card bill dated XX/XX/year> with a balance of XXXX which was due by XX/XX/year> and a statement closing date of XX/XX/year>. A payment of {$1500.00} was submitted on XX/XX/year>. Various credits for return products totaling XXXX between XXXX and XX/XX/year>. Lastly the payment of XXXX on XX/XX/year>. 

The last payment of XXXX was after the due date yes. All my other credit cards would charge a late payment fee but no interest because it was still within the statement period. When I look at my statement closing XX/XX/year>, the interest was charged not on the XXXX original balance, not the XXXX of a balance after my payment on XXXX, not the balance of XXXX which is net of the returned items, but rather on XXXX. So they charged XXXX in interest and after communication with their customer service group was to expect more interest to be charged for the next month statement. So as it currently stands, ( XXXX XXXX unpaid balance ) XXXX days late X 365 days = 754.68 % interest rate. That's before they charge some other arbitrary interest charge for the next month.

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 2024-06-12 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: Self Financial Inc.
State: AL

Complaint narrative:
I'm in the process of buying a housed I realize I had damages on my credit report. According to the 15 USC 1681 law there should not any damages on my credit report it is defamation to my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
I checked my XXXX mortgage statement from Mr. Cooper and it was {$370.00} higher than what I normally pay. I normally pay {$1100.00}. My actual payment amount is {$1000.00}. The person I chatted with from Mr. Cooper said that my previous mortgage company, XXXX, should not have issued an escrow surplus check last XXXX for {$330.00}. I don't understand how I'm being punished for a mistake I didn't make. Mr. Cooper is not accepting my {$1100.00} mortgage payment until I pay an additional {$370.00}. This is XXXX. I tried to call XXXX, but couldn't get a live person because the loan is no longer theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 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: IL

Complaint narrative:
I am writing to formally dispute the accuracy of several accounts reported on my credit report. These inaccuracies are negatively affecting my creditworthiness and overall financial health. I request a thorough investigation and correction of these errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 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: IL

Complaint narrative:
The letter indicates that there is a disputed account on my credit report, which I claim was not authorized by me. Despite numerous attempts to resolve the issue by requesting validation of the debt, the company in question has failed to provide any satisfactory evidence of the debt 's legitimacy. I assert that I have no legal obligation to pay the alleged debt and have taken steps to address the matter with both the creditor and the credit bureaus.

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 2024-06-12 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: IL

Complaint narrative:
The letter indicates that there is a disputed account on my credit report, which I claim was not authorized by me. Despite numerous attempts to resolve the issue by requesting validation of the debt, the company in question has failed to provide any satisfactory evidence of the debt 's legitimacy. I assert that I have no legal obligation to pay the alleged debt and have taken steps to address the matter with both the creditor and the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

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 2024-06-12 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 am writing to formally dispute an unauthorized and fraudulent accounts that has been opened in my name. I recently discovered these fraudulent accounts on my credit report and upon further investigation, it is evident that these accounts were opened without my knowledge or consent. 

Below are the details of the fraudulent account : Account Type : XXXXXXXX XXXX XXXX XXXXXXXX Account number XXXX Date opened XX/XX/XXXX Account Type : XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX I reviewed my credit report and noticed the presence of an account that I did not recognize. Upon further investigation, it became clear that these accounts were fraudulently opened in my name. I have never applied for any accounts and I have no association with these account whatsoever. 
In light of this fraudulent activity, I am requesting the following actions be taken immediately : Remove the account from my credit report : Ensure that this fraudulent account is removed from my credit report with all major credit bureaus. 

To assist in your investigation, I have attached the following documents : A copy of my identity theft report from the FTC. 
A copy of the police report. 
A copy of my driver 's license or government-issued ID. 

Please consider this matter with the utmost urgency. The fraudulent account is negatively impacting my XXXXt score and causing significant distress.

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 2024-06-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I have XXXX fraudulent accounts with XXXX XXXX one with a total of {$570.00} and another with a total of {$590.00} Dates opened on XXXX XXXX, 2023 and XXXX XXXX, 2024 and they are both having negative affects on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 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: MN

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 ( Date XXXX XXXX XXXX XXXXXXXX Active : XX/XX/year> XX/XX/year> XX/XX/year> Date of Last Payment : XX/XX/year> XX/XX/year> XX/XX/year> ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action. 
It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Kikoff Inc.
State: FL

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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my KIKOFF - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 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: MO

Complaint narrative:
This account Is identity theft. I have filled out all paperwork with state federal government and this needs to come off my credit report or I will be following charges against your company.You have 30 days from receipt of letter. 

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