vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
A Debt Validation letter was mailed out to NCB Management services, Inc on XX/XX/XXXX via Certified mail requesting the following documentation that was not received. Under The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). 

I request via certified mail Track # XXXX XXXX XXXX XXXX XXXX XXXX delivered on XX/XX/XXXX. 

Proof of how your company assessed the outstanding debt. 
Copy of the original contract bearing my signature. 
Payment history from the original creditor. 
Date ( that this alleged debt became payable ) : Date of Original Charge or Delinquency : Proof that you either own or were assigned the debt from the creditor? 
Amount Paid if Debt was Purchased? 
Chain of title on this debt. 
Proof that you have the right to collect this debt in my state. 
Proof that your company carries a bond. 
Proof that you can collect this debt from me. 
What fees/interest was tacked onto the debt? 
How were the fees determined? 
Commission for debt collector if collection efforts are successful. 

I did not receive the requested information, after numerous request. 

Upon reviewing my records I received on XX/XX/XXXX a letter from the XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX a Debt collection agency ref account XXXX XXXX, XXXX writing to notify me that the company experienced a data breach with unauthorized access to certain systems network that took place between XX/XX/XXXX and XX/XX/XXXX this letter was dated XX/XX/XXXX. 

I have also received collection notice for another company XXXX XXXX XXXX XXXX also attempting to collect a Debt for referenced account XXXX XXXX, XXXX dated XX/XX/XXXX. Which brings my question of how NCB was able to acquire this debt from XXXX if the account was under XXXX XXXX XXXX XXXX? 

NCB has not properly verified the accounts by not providing a signed contract agreement between myself and NCB or providing the purchase agreement from whom they purchased this debt outlining the right to collect on this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me XXXX XXXX XXXX  Miscellaneous Reptg. Agencies XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: OH

Complaint narrative:
MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX This XXXX  XXXX account is illegal and unauthorized and needs to be removed via USC 1681li ( a ) XXXX XXXX XXXX XXXX {$16000.00} Date Opened XX/XX/XXXX **the account below is beyond reporting limits and needs to be removed asap! ** XXXX XXXX  {$1500.00} Date Opened XX/XX/XXXX **This Bankruptcy is well over 7 years of the statue of limitations for reporting on credit bureaus . It must be removed from XXXX, XXXX, and Transunion in a timely manner** Bankruptcy XX/XX/XXXX Collections Credence Resource Management {$1200.00} Date Opened XX/XX/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 2024-10-22 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: OH

Complaint narrative:
MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX This XXXX  XXXX account is illegal and unauthorized and needs to be removed via USC 1681li ( a ) XXXX XXXX XXXX XXXX  {$16000.00} Date Opened XX/XX/XXXX **the account below is beyond reporting limits and needs to be removed asap! ** XXXX XXXX  {$1500.00} Date Opened XX/XX/XXXX **This Bankruptcy is well over 7 years of the statue of limitations for reporting on credit bureaus . It must be removed from XXXX, XXXX, and Transunion in a timely manner** Bankruptcy XX/XX/XXXX Collections Credence Resource Management {$1200.00} Date Opened XX/XX/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 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-10-22 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: CA

Complaint narrative:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: VA

Complaint narrative:
I recently reviewed my credit and noticed that there was fraudulent activity. Please remove all fraudulent activity from my report as it is hurting my ability to obtain credit. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: OH

Complaint narrative:
First of all, I am being targeted, and my life is being destroy from the inside out by unethical institutions, fraudsters and/or AWS hackers. On XX/XX/XXXX, I was illegally evicted by XXXX XXXX XXXX. I became homeless. Next, I am economically oppressed by XXXX XXXX and XXXX barely making money, and also, they steal money that I earned from working for them. XXXX XXXX snatches money out of my bank account illegally. So, I could not pay my credit card which I am guilty of not paying. I filled out my annual income base application for a my student loans to renew payment plan in XXXX of XXXX on the XXXX website. My application income base repayment was approved with a $ XXXXdollar monthly payment. Recently, I checked my XXXX XXXX account I noticed that Nelnet and XXXX XXXX XXXX has me 120 days late. I call Nelnet, a representative tell me I have {$0.00} payment until XXXX of XXXX. I asked them why they are reporting on my credit report. I requested they fix my account. Next, I call XXXX XXXX XXXX they tell me that I owe them because my bank statements from my job was not sufficient proof of information from them. However, my application was approved with {$0.00} dollar payment. I sent them income documents and ask them to correct my credit report. The automative system said I was in forbearance or deference. I speak to the rep she tells me that my payment is {$0.00} until XXXX. Then she tells me I do not see where we have reported to the credit agency. Now there is two late accounts showing on my credit report from XXXX XXXX and a Credit Service XXXX all in a short period of time. Also, my credit report says that I worked for XXXX XXXX which are all lies. Can someone please help me is that I do not deserve this and the blatant lies. I am living in a shelter trying to obtain housing. Additionally, XXXX XXXX XXXXXXXX XXXX is lying I have never been more than 30 days late. The balance should be under {$3000.00} because I just made a payment. Additionally, my payment is {$380.00} due on the XXXX of the month. They say I owe a {$1000.00} dollars and 43 days behind on my payment which is an awful lie. However, I got a text from them saying your payment is due for {$380.00}. I told them I would pay by the first. They report you know that means double payment and your payment is 43 days behind. LIE! Actually, that car originally costed {$12000.00} and I put {$6500.00} cash down and ended owing {$18000.00} XXXX XXXX  and the dealership stole my money and the car has been paid off, including unnecessary interest. Also, there is fraudulent activity on my XXXX account whereby someone tried to make a purchase from XXXX from my debit card. 

Please help?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: OPTUM BANK, INC.
State: WA

Complaint narrative:
XXXX XXXX - XXXX XXXX : I requested billing department, medical records department, and patient relations department at XXXX XXXX XXXX XXXX in XXXX XXXX & XXXX XXXX for documents supporting the level of medical decision making required to justify the CPT code billed. 

XXXX XX/XX/XXXX - I sent an email to XXXX patient disputes, disputing the CPT  code entered and requested level of medical decision making required to bill the CPT code. No response received. 

XXXX XX/XX/XXXX- I sent an email to XXXX patient disputes, again requesting level of medical decision making required to bill the CPT code. No response received until XXXX XX/XX/XXXX. 

XXXX XX/XX/XXXX - XXXX patient disputes emailed me their first response, but did not provide the requested documentation. 

XXXX XX/XX/XXXX - I pointed out that they have not provided the requested documentation, and requested follow-up with proper document requested to justify the medical XXXX  code that was billed. 

XXXX XX/XX/XXXX- XXXX XXXX XXXX XXXX left a voice mail that my medical bill went to collections. 

XXXX XX/XX/XXXX - I sent a letter to XXXX XXXX XXXX stating that my dispute with XXXX has not been resolved. 

XXXX XXXX - XXXX - I continued contacting XXXX XXXX XXXX XXXX in XXXX XXXX and XXXX  XXXX  for requested documents. 

XXXX XX/XX/XXXX - XXXX XXXX XXXX replied that they have verified the debt with XXXX XXXX XXXX XXXX, even though my dispute with XXXX has not been resolved. 

XXXX XX/XX/XXXX : I contacted XXXX XXXX XXXX to inform them that my dispute with XXXX XXXX XXXX XXXX and XXXX has not been resolved. 

XXXX XX/XX/XXXX : I contacted XXXX XXXX XXXX XXXX patient relations department informing them that I have not received any document justifying the level of medical decision making required to bill the XXXX code ( amounting {$2700.00} ) when they didn't order a single lab test or imaging, didn't provide a single prescription, and didn't provide any final diagnosis, and I already paid what they quoted me for the patient portion ( {$330.00} ). 

XXXX XX/XX/XXXX : I sent an email to XXXX XXXX patient disputes, stating that I have not received the requested documentation. 

XXXX XX/XX/XXXX : I received a phone call from XXXX XXXX during my work meeting. I let them know that I'll call them back. 

XXXX XX/XX/XXXX : I left voice message to XXXX XXXX after my work meeting. I received no response. 

XXXX XX/XX/XXXX : I left voice message to XXXX XXXX. I received no response. 

XXXX XX/XX/XXXX : I sent an email to XXXX XXXX patient disputes, stating that I have not received any response. I received no response. 

XXXX XX/XX/XXXX : I left a voice message to XXXX XXXX. I received no response. 

XXXX XX/XX/XXXX : Derogatory mark on credit report as XXXX XXXX XXXX reported to credit bureau despite my dispute with XXXX XXXX not having been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following account : XXXX Account number : XXXX Balance : {$0.00} XXXX Account number : XXXX Balance : {$0.00} XXXX Account number : XXXX Balance : {$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 explanation
Consumer complaint received 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have requested the XXXX from XXXX XXXX and the credit bureau for over a year. My requests are being ignored or are just updated with duplicate remarks. There are errors in balances and in dates with a XXXX  and an XXXX  account that are continually not been addressed. The creditors just come back every time saying it was modified or verified or random remarks that dont tell me anything and certainly dont fix anything. TransUnion does nothing to validate these supposed debt validations that are incorrect and all the while my credit score keeps getting lower and lower with every single dispute I make. And I dont know why. My score is keeping me from finding housing ands its because of these errors that are not being removed and transition doesnt care to help as they are supposed to. How can this be allowed. You tell us to dispute the errors but then when we do it just hurts us more and more and at the end of the day there is nothing that anyone does about the fact that I am homeless. Separated from my kids and my dogs because I couldnt get approved room a landlord because of my credit score which was based on a credit report that was so full of errors it was a joke. For over a year now I have been working so hard to get those errors fixed and get my credit score up so I can move back in to a home with my kids but its never ever been as bad as it is now. And nobodys helping me or giving me any explanations. Transunion never provides a response let alone debt validation. It makes me just want to call it quits XXXX give up on this life.

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 2024-10-22 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human XXXX XXXX XXXX XXXXXXXX and would like for all listed accounts to be blocked and deleted company information from Experian. 

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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