vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
Request for Removal of Collection Accounts I am writing to formally request the removal of a collection account listed on my credit report. I believe that this collection is either inaccurate, unverifiable, or may otherwise be in violation of federal consumer protection laws, specifically the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 ] and, if applicable, the Fair Debt Collection Practices Act ( FDCPA ) [ 15 U.S.C. 1692 ].

Grounds for Request : 1. Verification of Debt : Under the FDCPA [ 15 U.S.C. 1692g ], I have the right to request verification of the debt. I am requesting proof that this account is valid, including a detailed breakdown of the debt amount, original creditor information, and any records of the accounts transfer to your agency. If you can not provide such verification, the debt must be removed from my credit report. 
2. Inaccuracy or Incomplete Reporting : According to the FCRA [ 15 U.S.C. 1681i ], credit reporting agencies and data furnishers have a duty to report only complete and accurate information. If this account is inaccurate or contains errors ( such as incorrect balance, payment status, or date of delinquency ), I request that it be corrected or removed.

3. Obsolete Information : Under the FCRA [ 15 U.S.C. 1681c ], collection accounts are only permitted to appear on credit reports for a limited period of seven years from the date of delinquency. If this account is past the allowable reporting period, I request its removal immediately. 

Please consider this letter as my formal request for investigation and correction under the FCRA. I expect the results of your investigation, along with an updated credit report, within 30 days. If you are unable to validate this account, I request that you remove this collection from my credit file and confirm the removal in writing. 

Thank you for your prompt attention to this matter. Please feel free to reach me via the contact information provided above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: WA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: LA

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 explanation
Consumer complaint received 2025-01-09 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: GA

Complaint narrative:
All hard inquiries from my report is not authorized by me. please investigate & delete ASAP Filed FTC REPORT

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 2025-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
My husband, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  to rent a property in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. We were contacted by XXXX XXXXXXXX XXXX XXXXXXXX messenger. She sent us her XXXX property listing and we asked lots of questions via XXXX messenger, email and text message. Everything seemed very legit. Even a signed a rental agreement. We sent a {$2000.00} deposit via Zelle from our XXXXXXXX XXXX XXXX XXXX XXXX XXXX  The bank did call and confirm that I initiated the transaction and warned me. I still felt it seemed legit and told them to proceed. After I ended the call with the bank I did more research and determined it was a scam. I called the property management group on the XXXX listing and the people who scammed us. I tried to contact my bank but it was too late to stop the transaction. I have to wait till Monday to report the transaction to their scam department. I have the email addresses and Zelle information for the scammer. I also found out this same XXXX account was used to scam other people. I put in a request to XXXX to report the profile as a scam. Also trying to post in the group to warn others not to rent from this profile. Zelle account I sent to : Name XXXX XXXX XXXX XXXX XXXX They gave me another email to send money via Zelle after I told them there was a problem, I did it send anything to this account. XXXX XXXX XXXX XXXX XXXX. We reported the issue to XXXX XXXX XXXX and Zelle. They really did not seem to do anything about the issue. This was a known scam account to them yet they did not close the account. Also report this to FTC and IC3.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: ID

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF MY CREDIT REPORT.

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 2025-01-09 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
To Whom it May Concern, I am writing to formally dispute the alleged debt of {$9200.00} that appears on my credit report in connection with my former apartment lease. According to your records, I purportedly owe this amount for skipping on my apartment. However, under Texas law, this amount is neither valid nor accurate.

Texas Law Requires Mitigation of Damages Under Texas Property Code 91.006, landlords have a statutory duty to mitigate damages by diligently seeking a new tenant once a lease is broken or abandoned. In my case, the apartment was successfully re-rented within 21 days of my move-out. This rapid re-rental demonstrates that the landlord was able to minimize any losses almost immediately.

Prohibition Against Double Recovery Furthermore, Texas law does not permit a landlord to collect rent from two parties for the same time period. If the landlord indeed collected rent from the new tenant, they can not legally continue to charge me for that same period. Attempting to hold me responsible for the entire lease term, despite having found a replacement tenant, is a violation of the principle prohibiting double recovery. 

Demand for Correction Because the apartment was re-rented within 21 days, the landlords damages, if any, should be reduced accordingly. The full amount of {$9200.00} is therefore inaccurate and must be adjusted or removed from my credit report. 

I respectfully request that you : Conduct a thorough investigation of this disputed debt.

Provide me with documentation verifying the amount claimed, including evidence of when the property was re-rented and any adjustments made to the balance. 
Update all credit reports and listings with the accurate balance owed ( if any ), or remove this erroneous item if it can not be validated. 
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), please note that you are required to cease collection activities and provide verification of this debt once you receive this notice of dispute. Failure to comply could result in further 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 explanation
Consumer complaint received 2025-01-09 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: CAINE & WEINER COMPANY, INC.
State: GA

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 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Regarding Inaccurate and Misleading Reporting of Payment Information To Whom It May Concern, I am submitting this formal complaint to report inaccurate and misleading information reported to credit bureaus by [ Caine Weiner Progressive ] . The information pertains to an account listed in my credit report that falsely claims delinquent or derogatory status regarding rent payment. These claims are incorrect and unsupported by any verified documentation. 



Details of the Issue : Account Number : [ XXXX ] Credit Bureaus Affected : XXXX XXXX XXXX XXXX XXXX XXXX  : False statements indicating delinquent payments on rent, derogatory status, and account remarks claiming unresolved debt. 

I have not made any payments on this account as reported that is fraudulent Relevant Laws Violated : 1. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) : Requires credit reporting agencies to maintain the maximum possible accuracy of consumer information.

2. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e : Prohibits false, deceptive, or misleading representations regarding debts. 



Supporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Emphasized the importance of reasonable procedures to ensure accuracy in credit reporting and held credit bureaus accountable for failures in verification. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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 strongly insist on the removal of this late payment from my account, as it inaccurately reflects my payment history. I have consistently maintained timely payments, and it is unfair to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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:
THERE IS INFOMATION ON MY CONSUMER REPORT THAT IS IN RESULT OF A DATA BREACH. I WOULD THE THE FOLLOWING ACCOUNTS TO BE DELETE ASAP FROM MY CREDIT REPORT, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602, which states I have the right to privacy. 15 USC 1681 section 604a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCA 1666b, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED 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 2025-01-09 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:
My personal information has been compromised by XXXX data breach as well as XXXX XXXX XXXX XXXX  Ive also had fraudulent accounts open with XXXX XXXX that Ive been disputing for years. All of the accounts keep coming back verified with no proof of how it was verified. Ive never signed or gave anyone authorization to use my personal information. Ive had a fraud alert on my consumer report for years and still someone was still granted credit using my information Other accounts like the student loans are inaccurate and not reflecting the payments or correct balance. XXXX XXXXXXXX XXXX XXXX was auto dealer fraud that I reported to the state of Missouri, XXXX and CFPB. I have yet to be provided with proof or a signed agreement for XXXX XXXX XXXX I have rights as a consumer and late payments right to privacy 15 USC 1681 Data Breach 6:05 b should be acknowledged

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 2025-01-09 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: MO

Complaint narrative:
My personal information has been compromised by XXXX XXXX XXXX  as well as XXXX XXXX XXXX XXXX. Ive also had fraudulent accounts open with XXXX XXXX that Ive been disputing for years. All of the accounts keep coming back verified with no proof of how it was verified. Ive never signed or gave anyone authorization to use my personal information. Ive had a fraud alert on my consumer report for years and still someone was still granted credit using my information Other accounts like the XXXX XXXX are inaccurate and not reflecting the payments or correct balance. XXXX XXXX XXXX XXXX  was auto dealer fraud that I reported to the state of Missouri, XXXX and CFPB. I have yet to be provided with proof or a signed agreement for XXXX XXXX XXXX I have rights as a consumer and late payments right to privacy 15 USC 1681 Data Breach 6:05 b should be acknowledged

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 2025-01-09 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: WA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
Issue : Getting money back from Zelle payment to wrong party. On XX/XX/XXXX I mistakenly sent {$150.00} to the wrong party through ZellePay. I didn't discover this error until XXXX XXXX Contacted Zelle for help. Unsuccessful! Contacted the party to whom I sent the funds. He agreed to contact his bank to reverse the payment. On XX/XX/XXXX, the {$150.00} error payment was reversed by his bank, back to Zelle. He sent me a confirmation document. I did not become aware of this reversal until XXXX XXXX. My efforts to contact Zelle to get my funds back have been frustrated by Zelle 's lack of any effective process to handle such situations! I just want my {$150.00} returned to my Zelle account.. 
I DO NOT want any further contact with Zelle Customer Service... they are of NO HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: FL

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND XXXX I recently discovered that I was listed as part of the XXXX data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification.

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 2025-01-09 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
A Checking Business account was opened without our consent at American Express on XX/XX/year>. We received a letter from Amex confirming the account. We contacted Amex immediately and reported it as fraudulent XX/XX/year>. The perpetrator opened a credit line simultaneously for {$15000.00} and transfer the funds to the Business Checking account. A couple of months later we received a notification that XXXX had posted a negative derogatory showing the account as delinquent. We contacted Amex immediately and we are in the process of getting rid of the fraud and clearing our Credit Report.

Company response to consumer: Closed with explanation