vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
There two accounts from XXXX XXXX. One amount is for XXXX and the second amount is for XXXX. 
Account XXXX XXXX This account has been sitting on my credit report for 6 years and has affected me getting approved for certain credit applications. 

I have tried to request this to be removed several times. These accounts were involved in identity theft. There not the original debt collector. I have had no information mailed to my address nor any attempt to contact and collect the debt. I was completely unaware of these amounts and the original amount is different. I am requesting a thorough investigation because the amount has changed. 

I am requesting these to be removed. 
Section 623 ( a ) of the FCRA also requires a person who regularly furnishes information to CRAs to promptly notify a CRA if the person determines the previously furnished information is not complete or accurate.

Fair Credit Reporting Act ( FCRA ) The FCRA requires companies to remove information from consumer reports that they can not verify after someone identifies it as wrong. The FCRA also establishes a framework of Fair Information Practices for personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-07 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: GA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 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. 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 an account without my written instructions.

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 2024-09-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CONTRACT CALLERS INC
State: FL

Complaint narrative:
On today, XX/XX/2024 I was notified by XXXX XXXX that I have a new collection on my credit report. I was unaware and received no prior notice of any such debt obligation, nor was I given proof or disclosure of a right to dispute. I suddenly had my credit report include a collection that I was never even informed of therefore negatively impacting my credit without having an opportunity to dispute or resolve the collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: REMAX
State: NJ

Complaint narrative:
XXXX XXXX and XXXX XXXX of remax improperly obtained and shared my medical information without my consent. They also attempted to coerce me into signing a cease and desist letter. Additionally, I believe they engaged in fraudulent conduct, taking money from me under false pretenses

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 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: TX

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2024-09-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX TRANSUNION XXXXXXXX XXXX XXXX XXXX, PA XXXX RE : INQUIRY REMOVAL While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, I did not give you ( TRANSUNION ) permission to furnish this this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights.

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 2024-09-07 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: GA

Complaint narrative:
XX/XX/year> Re : Debt Validation Request I am writing to you in response to a notice I received regarding an alleged debt claimed to be owed by me. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you validate this debt. Please provide the following information : 1. **The amount of the debt** : A complete breakdown of the amount owed, including any fees, interest, and principal balance.

2. **The name of the original creditor** : The name and address of the original creditor to whom this debt is owed.

3. **Verification that I owe the debt** : Documentation that verifies I have a contractual obligation to pay this debt, such as a copy of the original signed contract.

4. **Details of the debt assignment** : Proof that your company has the right to collect this debt, including documentation showing the chain of assignment of this debt from the original creditor to your company. 

Until you provide the requested validation, I am disputing this debt and requesting that you cease all collection activities in compliance with the FDCPA. Furthermore, please note that any attempt to report this debt to credit bureaus without proper validation is a violation of federal law and my rights under the FDCPA. 

I request that all future communication regarding this matter be done in writing. 

Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-07 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: GA

Complaint narrative:
XX/XX/year>XXXX  Re : Debt Validation Request I am writing to you in response to a notice I received regarding an alleged debt claimed to be owed by me. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you validate this debt. Please provide the following information : 1. **The amount of the debt** : A complete breakdown of the amount owed, including any fees, interest, and principal balance.

2. **The name of the original creditor** : The name and address of the original creditor to whom this debt is owed.

3. **Verification that I owe the debt** : Documentation that verifies I have a contractual obligation to pay this debt, such as a copy of the original signed contract.

4. **Details of the debt assignment** : Proof that your company has the right to collect this debt, including documentation showing the chain of assignment of this debt from the original creditor to your company. 

Until you provide the requested validation, I am disputing this debt and requesting that you cease all collection activities in compliance with the FDCPA. Furthermore, please note that any attempt to report this debt to credit bureaus without proper validation is a violation of federal law and my rights under the FDCPA. 

I request that all future communication regarding this matter be done in writing. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-07 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: GA

Complaint narrative:
XX/XX/year> Re : Debt Validation Request I am writing to you in response to a notice I received regarding an alleged debt claimed to be owed by me. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you validate this debt. Please provide the following information : 1. **The amount of the debt** : A complete breakdown of the amount owed, including any fees, interest, and principal balance.

2. **The name of the original creditor** : The name and address of the original creditor to whom this debt is owed.

3. **Verification that I owe the debt** : Documentation that verifies I have a contractual obligation to pay this debt, such as a copy of the original signed contract.

4. **Details of the debt assignment** : Proof that your company has the right to collect this debt, including documentation showing the chain of assignment of this debt from the original creditor to your company. 

Until you provide the requested validation, I am disputing this debt and requesting that you cease all collection activities in compliance with the FDCPA. Furthermore, please note that any attempt to report this debt to credit bureaus without proper validation is a violation of federal law and my rights under the FDCPA. 

I request that all future communication regarding this matter be done in writing. 

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 2024-09-07 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: Early Warning Services, LLC
State: NJ

Complaint narrative:
Name : XXXX XXXX XXXX XXXX ID : XXXX Date of XXXXXXXX  SSN : XXXX Type : Driver 's License ID Number : XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened, Inaccurate informations or used the following account numbers : Bank : XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX ( Open XXXX ) Account # : XXXX Routing # XXXX Bank : XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request. 


Thank you for your assistance. 
Sincerely, ( XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX To Whom it May concern, It has been brought to my attention that as a victim of Domestic Abuse and XXXX XXXX I have rights. Please block this information from my credit report within four business days, pursuant to section 605C of the fair credit reporting act. The following negative items have made it impossible for me to move. I demand that you remove all the following. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account ending in XXXX The following inquires must be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-07 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: DISCOVER BANK
State: NY

Complaint narrative:
I discovered discrepancies related to the reporting of late payments, which appear to be in violation of 15 U.S. Code 1666 ( b ) and 15 USC 1637 a ( a ). These errors include the failure of the creditor to accurately reflect payments made by me or credit issued to me within the stipulated time frame. Additionally, there are apparent computation errors or similar accounting errors made by the creditor on the statements provided. 

Discover Bank, the account has been closed since XX/XX/XXXX, payments were incorrect from late XXXX  until XXXX, they reopened my account without my consent, updating the payments which were not showing correct days late. Was 3 consecutive 90 days late, in a row. Remarked the account, and kept it opened impacting my score even worse.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There is an collection on my credit but no information is provided on whom to contact what the collection is for just an account number and balance Missing or incorrect information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-07 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
So I was shopping around to get the best offer from 2 companies USAA and XXXX XXXX. They should removed all hard inquiries except the last one before I bought the house with XXXX XXXX last XX/XX/year>. 
As per the actual credit report USAA and XXXX XXXX remove these hard inquires.

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 2024-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
I have sent 3 dispute letters to all three credit bureaus Transunion, XXXX, and XXXX to correct my personal information, and yet it has not been done. 

Under the Fair Credit Reporting Act ( FCRA ), specifica

lly 15 U.S.C. 1681i and 15 U.S.C. 1681c, I have the right to dispute any inaccurate information and request that it be corrected promptly. Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain accurate information, and I trust that you will make the necessary corrections promptly. In accordance with 15 U.S.C. 1681i ( a ) ( 5 ), I expect to receive written confirmation of the outcome of your investigation and a corrected copy of 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 2024-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I DID NOT OPEN OR AUTHORIZE THESE ACCOUNTS, NOR WAS I INVOLVED IN ANY TRANSACTIONS ASSOCIATED WITH THESE ACCOUNTS. UNDER 18 U.S. CODE 1028 ( AGGRAVATED IDENTITY THEFT ), THE USE OF MY IDENTITY WITHOUT MY KNOWLEDGE OR CONSENT TO COMMIT FRAUDULENT ACTIVITY IS A SERIOUS FEDERAL CRIME. THIS COMPANY IS CONTINUING TO COMMIT A CRIME BY FUNISHING AND REPORTING ACCOUNTS UTILIZING MY IDENTITY WITHOUT MY CONSENT AFTER I MADE THIS COMPANY AWARE OF THE FRAUD, AND IDENTITY THEFT. THIS COMPANY BY LAW IS IN VIOLATION OF MY RIGHTS, AND THIS COMPANY IS A SUSPECT IN THIS IDENTITY THEFT CASE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
-This complaint is for Chase Bank -Regarding Debit Card Fraud -We 've called XX/XX/XXXX and placed a claim with them and they have rejected our claim on XX/XX/XXXX -We tried reopening our claim and they still refute our claim and refuse to refund the Fraudulent charges listed below -We had unauthorized charges on our debit card twice for the amount of {$200.00} each time totaling {$400.00}. 

-First Unauthorized Charge : XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX  Charge Date : XX/XX/XXXX Statement Date : XX/XX/XXXX Amount {$200.00} -Second Unauthorized Charge : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge Date : XX/XX/XXXX Statement Date : XX/XX/XXXX Amount {$200.00} -FYI Supplemental Evidence : Our credit number was also used for a fraudulent charge for the same amount, same vendor, same day and location and their separate Chase Credit Card Team acknowledged and refunded us the stolen amount for the credit card. However, the Chase Debit Card Team refuse to look at this highly coincidental evidence even though its the same bank

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-07 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: IA

Complaint narrative:
I have been disputing this account for XXXX  regarding the repeated charge-off that appears on my account each month. I have asked them to validate the debt by sending me a purchase agreement, assignment contract, or something displaying my wet signature showing that this alleged debt is mine. 
Debt Validation Request under 15 U.S.C. 1692g ( FDCPA ) Verification Request : Pursuant to my rights under 15 U.S.C. 1692g, I am requesting that you provide the following information : 1. The Amount of the Debt : A detailed accounting of the debt, including the principal, interest, fees, and any other charges that have been applied.

2. The Name of the Creditor to Whom the Debt is Currently Owed : Including the name and address of the original creditor if different from the current creditor.

3. Verification of the Debt : A copy of the judgment ( if applicable ) or other documents showing that I am indeed legally obligated to pay this debt.

4. Proof of Your Legal Right to Collect the Debt : Documentation that you are authorized to collect this debt on behalf of the creditor.

5. Complete Payment History : Showing how the amount claimed was calculated and all transactions related to the debt. 
According to the Fair Credit Reporting Act ( FCRA ), specifically sections 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ), and 623 ( a ) ( 2 ) ( 15 U.S.C. 1681s-2 ( a ) ( 2 ) ), information furnished to consumer reporting agencies must be accurate and complete. A charge-off should not be reported each month as a new charge-off ; instead, the status should reflect the original charge-off date and not be reported repeatedly as if it were a new event.

This action being taken each month it affects my credit score, credit report, and creditworthiness.

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