vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-05 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: PA

Complaint narrative:
XXXX XXXX Date of birth:03/29/1992 Address : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Telephone number : XXXX XX/XX/XXXX Dear Consumer Reporting Agency, I am writing to dispute the following information that appears on my consumer report : Dispute 1 Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXX disputed information : credit card Dates associated with item being disputed : XXXX XXXX, XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute 2 Account Number : XXXX Account Name : XXXX  XXXX Type of disputed information : credit card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute 3 Account Number : XXXX Account Name : XXXX  XXXX Type of disputed information : credit card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission.

Dispute 4 Account Number : XXXX Account Name : XXXX XXXX  Type of disputed information : credit card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission.

Dispute 5 Account Number : XXXX Account Name : XXXX XXXX  XXXX of disputed information : credit card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute 6 Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX of disputed information : collection Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Thank you. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Green & Sons Agency, Inc.
State: CA

Complaint narrative:
Subject : Follow-Up Complaint Regarding Privacy Concerns and Unresolved Issues ( Complaint ID : XXXX ) To Whom It May Concern, I am filing this follow-up complaint in reference to my original complaint, ID XXXX, which specifically addressed privacy concerns related to Outsource Receivables. I am deeply concerned that my initial complaint was closed without properly ensuring that the issues I raised were fully investigated and resolved. 

As stated in my original complaint, I have serious concerns about the unauthorized use of my personal information, including my Social Security number, by Outsource Receivables, a company with which I have never conducted business. The Consumer Financial Protection Bureau closed my complaint without verifying whether these privacy concerns were addressed. 

Additionally, after reviewing the attached document from Outsource Receivables, I now have further concerns. The document merely states an amount owed but provides no itemization or breakdown of how this debt was incurred. It fails to explain the origin or nature of the debt, leaving me without any clarity as to the legitimacy of this claim. 

I am requesting a thorough investigation into both my original privacy concerns and the lack of transparency regarding the debt mentioned in the document. I also request that the CFPB ensure that Outsource Receivables provides a detailed, itemized explanation of the debt they claim is owed. 

Thank you for your attention to this matter. I trust that the CFPB will take the necessary steps to ensure my concerns are appropriately addressed this time. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My account with TransUnion was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 
15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TransUnion Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports

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 2024-09-05 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: IL

Complaint narrative:
I am writing to request an investigation of the following information that appears on my Credit report. I have NEVER opened or used the following accounts.

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 2024-09-05 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 am writing to request an investigation of the following information that appears on my Credit report. I have NEVER opened or used the following accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to inform you that I have been a victim of identity theft, which has resulted in numerous fraudulent inquiries and one unauthorized account on my credit report. These were added without my knowledge or consent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I have filed a report with the Federal Trade Commission ( FTC ) regarding the identity theft, and I am requesting the immediate removal of these fraudulent entries to ensure my credit report is accurate.

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 2024-09-05 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: Medical-Commercial Audit Inc
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX XXXX [ Phone Number ] XX/XX/year> XXXX XXXX : Request for Removal of Collections Accounts from Credit Report Dear XXXX I am writing to formally request the removal of certain collections accounts from my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ) and guidance from the Consumer Financial Protection Bureau XXXX CFPB ). After reviewing my credit report, I have identified the following accounts that I believe should be removed : XXXX. XXXX XXXX : MCA managementcompany  **Account Number** : XXXX **Date Reported** : XX/XX/year> XXXX. **Creditor Name** : [ Mca management company **Account Number** : XXXX **Date Reported** : XX/XX/year> Under the FCRA, I am entitled to a credit report that is accurate and complete. Additionally, CFPB guidelines support the removal of inaccurate, outdated, or unverifiable information from credit reports. I request that you investigate these accounts and remove any incorrect or outdated information. 

To support my request, I am enclosing the following documents : - A copy of my credit report highlighting the collections accounts in question. 
- A copy of my identification ( e.g., drivers license, passport ) for identity verification. 
- Any relevant documentation related to the collections ( e.g., payment confirmations, correspondence with creditors ). 

Please complete your investigation within the time frame required by the FCRA, which is typically 30 days, and provide me with a written update on the outcome. Additionally, I request an updated copy of my credit report reflecting any corrections that have been made. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX This is a copy of the dispute I have sent but it is coming back as verified but that's not true. I asked them to send me the original contract with my original signature on both these accounts but I haven't received it yet and I asked for these collections to be removed from my consumer reports but it is still being reported only to XXXX and XXXX I don't see this reporting to XXXX I want this removed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 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: IL

Complaint narrative:
I am writing to request an investigation of the following information that appears on my Credit report. I have NEVER opened or used the following accounts.

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 2024-09-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: ACCESS GROUP INC.
State: ME

Complaint narrative:
I took out two XXXX  loans from Access Group to attend my first year of law school from XXXX XXXX XXXX XXXX XXXXXXXX, approximately {$32000.00}. The Access Group loan was the only loan offered to me from XXXX XXXXXXXX XXXX XXXX although there might have been more favorable federal student loan options available to me. 

I have been in repayment for several years now ( since about XXXX ) and believe I missed one payment during that time. Nonetheless, my interest rate for this loan has the highest interest of any loan that I have, 8.607 %. I am also wondering why I have made about {$2500.00} in payments over the past few months ( far above minimum payments ), yet the amount I owe per month has not gone down much in comparison and my overall number of payments doesnt appear to have gone down much if at all. I want to review the terms of this loan and discuss those terms and possible modification options with the appropriate person. 

XXXX XXXX XXXX is the servicer of this loan. I contacted XXXX XXXX XXXX to ask about the terms of this loan and whether my interest rate could be lowered. XXXX XXXX XXXX said they only service the loan, I would need to contact XXXX XXXX to discuss the terms of the loan. 

There is no option on Access Groups website that I could find to call Access Group! No phone number at all! So I used the online option to submit requests for assistance on XX/XX/XXXX and XX/XX/XXXX. I asked for someone to call me back to discuss the terms of my loan and also for any and all documents and correspondence related to my loan. I also asked for a reduction of my interest rate based on excellent credit, payment history, and Access Group being the only lender offered to me at XXXX XXXX. However, now I also want information on whether my Access Group loan was or is subject to any federal lending requirements, whether for student loans or otherwise. I would think at a minimum Access Group must provide an option to communicate with their staff about my loan. This may also be a question for the Comptroller of the Currency, depending on the advice or assistance of the CFPB. 

Access Group has not responded to my two requests for calls and information that I sent on their website on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. It is totally unacceptable for any lender, and particularly a student loan lender to not allow any option to call and speak with someone. And it is even worse when that lender fails to respond to written requests vis the ONLY way to communicate with that lender. 

Let me know if you have any questions. Thanks. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: IL

Complaint narrative:
Checkr and several other companies keep trying to say that I have no regular drivers license. I lost my XXXX, but not regular driver 's license. I have list jobs, insurance, and about to lose wife, because she can't keep insurance, because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 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: Halsted Financial Services, LLC.
State: CA

Complaint narrative:
on my credit report. Despite my initial dispute and subsequent request for the method of verification, the disputed information remains unchanged. Therefore, I am requesting immediate action to correct the following item ( s ) on my credit report : Disputed Item ( s ) : XXXX XXXX. XXXX XXXX requested a deletion due to the information being wrong and failed to get back to me within 30 days Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 1 ), credit reporting agencies are required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Furthermore, Section 611 ( a ) ( 5 ) ( A ) requires that any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or modified.

I have already provided documentation supporting my dispute and requested verification details in my previous letters. Since the information remains unchanged, I am now requesting that you : 1. Immediately delete or correct the inaccurate information from my credit report.

2. Provide written confirmation of the actions taken.

If these items are not corrected and removed within 30 days, I will have no choice but to file a lawsuit to enforce my rights under the FCRA. Additionally, I will be filing complaints with the Consumer Financial Protection Bureau This letter serves as my formal Notice of Intent to Sue. I hope we can resolve this matter promptly to avoid legal action.

Thank you for your immediate attention to this matter.

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 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: IL

Complaint narrative:
I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

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 2024-09-05 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

1.National credit system Account number : XXXX, has violated my rights. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Pursuant to Comenity 's response letter to my earlier CFPB complaint XXXX XXXXXXXX ( please see response letter attached ). 

Contrary to the information provided in Comenity 's response letter, as of XX/XX/year> I have not received any letters whatsoever from Comenity requesting documentation. 

I have contacted Comenity Bank today, spoke with XXXX on their Account Protection team, and was told that I need to provide copies of : my Driver License, front and back of my Social Security Card, and a recent Utility Bill. 

Per XXXXXXXX XXXX advice, I have e-mailed all requested documents to XXXX, and have received an automated e-mail response advising me that the documentation has been received and will be reviewed within 30 days. For further verification, I am attaching here copies of the documents that were provided to Comenity today via e-mail. 

Meanwhile, my account remains on hold, and I'm not able to use my card to make any new purchases with it, while waiting for the documents to be reviewed. All of this simply for attempting to add my card to XXXX XXXX, and for seeking Comenity 's assistance with the same after not being able to add it on my own.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COLUMBIA BANKING SYSTEM, INC.
State: CA

Complaint narrative:
Subject : Follow-Up Complaint Regarding Privacy Concerns and Unresolved Issues ( Complaint ID : XXXX ) To Whom It May Concern, I am filing this follow-up complaint in reference to my original complaint, ID XXXX, which specifically addressed privacy concerns related to XXXX XXXX. I am deeply concerned that my initial complaint was closed without properly ensuring that the issues I raised were fully investigated and resolved. 

As stated in my original complaint, I have serious concerns about the unauthorized use of my personal information, including my Social Security number, by XXXX XXXX a company with which I have never conducted business. The Consumer Financial Protection Bureau closed my complaint without verifying whether these privacy concerns were addressed. 

Additionally, after reviewing the attached document from XXXX XXXX I now have further concerns. The document merely states an amount owed but provides no itemization or breakdown of how this debt was incurred. It fails to explain the origin or nature of the debt, leaving me without any clarity as to the legitimacy of this claim. 

I am requesting a thorough investigation into both my original privacy concerns and the lack of transparency regarding the debt mentioned in the document. I also request that the CFPB ensure that XXXX XXXX provides a detailed, itemized explanation of the debt they claim is owed. 

Thank you for your attention to this matter. I trust that the CFPB will take the necessary steps to ensure my concerns are appropriately addressed this time. 

Sincerely,

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