vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
On XX/XX/XXXX I contacted Equifax to inquire about why my credit score decreased by XXXX points. I spoke to a supervisor and advised him that on XX/XX/XXXX. My credit score was showing XXXX points and this was during the time that an investigation or dispute of inaccurate account status was initiated by me. I told the supervisor that XXXX XXXX is used by both XXXX and Equifax and therefore the score should be the same since both bureaus shared the exact same account data. The supervisor advised me that the XXXX  score is conducted by an algorithm and he could not change it. I advised the supervisor that no negative account activity has taken place within this period of time or even this past year XXXX, and therefore there is no reason or provocation to prompt a score decreased by XXXX points When XXXX shows a score of XXXX before a recent inquiry. Now XXXX shows a score of XXXX! I told the supervisor that at the same time the dispute was closed My score was decreased by XXXX points. I advised him that Equifax must go back and reinstate my credit score because I have had all positive account activity and therefore the score should be reinstated by XXXX points. There are reports that Equifax has incurred a glitch in their technology that causes scores to diminish randomly. My rights as a consumer are being violated due to an inaccurate credit score rating being listed by Equifaxs failure in modern technology and or XXXX XXXX to function properly without random glitches.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
the debt was charged off and sold to a third party collection agency and now is posting on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Third party Debt collection agency bought the debt I don't not owe this debt out was charged off

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
" I am filling this FTC identity Theft Affidavit to report 1 separate Fraudulent account appearing on my consumer FICO credit report which i do not recognize as reported and which are the result of Identity Theft and Fraud. This Fraudulent account consists of personal credit card opened at XXXX XXXX on XX/XX/year>XXXX  under the account number XXXX. This account has resulted in several fraudulent and fraudulent collections appearing on my consumer FICO credit report. I demand aforementioned fraudulent item be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. ''

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 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The following accounts have been removed under the Debt Bondage Repair Act due to XXXX. Please follow suit and remove accounts as well so that my consumer reports are reporting accurate information across all 3 major consumer reports. Please see attachments for proof. My drivers license and water utility bill are included for proof of identification. 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to formally dispute several inquiries that appear on my credit report. These inquiries are inaccurate, unauthorized, or unverifiable, and their presence negatively impacts my credit profile. According to the Fair Credit Reporting Act ( FCRA ), Metro 2 reporting standards, and XXXX XXXX XXXX XXXX ( XXXX ) guidelines, it is your legal obligation to ensure that all information in my credit file is accurate, verifiable, and reported in compliance with established standards

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: IL

Complaint narrative:
I am writing to formally dispute several inquiries that appear on my credit report. These inquiries are inaccurate, unauthorized, or unverifiable, and their presence negatively impacts my credit profile. According to the Fair Credit Reporting Act ( FCRA ), Metro 2 reporting standards, and XXXX XXXX XXXX XXXX ( XXXX ) guidelines, it is your legal obligation to ensure that all information in my credit file is accurate, verifiable, and reported in compliance with established standards

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 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
This is in violation of my rights reporting these accounts on my credit. I have a right to my privacy. 15 U.S.C. Code 1681 ( a ) ( 4 ). There is no need to ensure the consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. There has been lack of supporting evidence. I have not received any credible documentary evidence proving the information is valid. Compliance with FCRA mandates necessitates the prompt removal of unverified information. The bankruptcies on my credit report are inaccurate. Also, I contacted the Bankruptcy Court, and they said they did not report this bankruptcy to credit reporting agencies, XXXX did. XXXX wrote and said they did not report this bankruptcy. This is violating my rights, and I believe this disclosure to be in violation of the Gramm-Leach-Bliley Act ( 15 USC 6803 ). 
According to the Gramm-Leach-Bliley Act, financial institutions are required to provide individuals with disclosures and an opportunity to opt out before reporting any non-public information. It has come to my attention that this has been reported without adhering to these legal requirements. 
Therefore, I am formally revoking any and all consent, whether express or implied, to report my non-public personal information. I kindly request that these accounts be deleted from my consumer 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 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Westlake Services, LLC
State: GA

Complaint narrative:
This information is negatively affecting my creditworthiness, and I am requesting an immediate. I am disputing the accuracy of this account as it appears on my credit report. The balance and charge-off status reported are incorrect, as the account was fully resolved previously. This erroneouinvestigation Please update my credit report to remove this inaccurate entry and notify me once the correction has been made. It is critical that my credit report accurately reflects my financial history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of identity theft, and fraudulent accounts were added to my credit report. On XX/XX/year>, I submitted a dispute to Equifax, providing all required documentation, including a police report and an identity theft affidavit, in accordance with the Fair Credit Reporting Act ( FCRA ) and the California Consumer Credit Reporting Agencies Act ( CCCRAA ) ( California Civil Code 1785.16 ). Despite meeting all legal requirements for filing a dispute, Equifax failed to remove the inaccurate information from my credit report. 

Under California law, specifically Civil Code 1785.25 ( a ), credit reporting agencies are prohibited from reporting information they know or have reasonable cause to believe is inaccurate. Additionally, per Civil Code 1785.16 ( k ), Equifax had a duty to block the fraudulent information from my credit report within 30 days of receiving my identity theft documentation. Despite this, they failed to act in compliance with both federal and state regulations. 

As a direct result of Equifaxs failure to remove the fraudulent accounts, I lost a job opportunity on XX/XX/year>, as my prospective employer relied on the inaccurate credit report during the hiring process. This has caused significant financial harm and emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: FL

Complaint narrative:
As per the guidance from the consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX-Debt final Rule 1002.142 ( b ) ( 4 ) -51002,142 ( 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 Accounts to be blocked and deleted company information TransUnion.Please delete the following Account XXXXXXXX XXXX  Account Number XXXX XXXX XXXXXXXX XXXX  Account Number XXXXXXXX XXXX XXXX Account Number 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 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am writing to dispute specific accounts and inquiries listed on my consumer credit report, as outlined below. These entries appear to have resulted from a data breach, fraud, or unauthorized actions, and I request a comprehensive investigation into their legitimacy. Additionally, I require verifiable proof of these inquiries, including documentation with my signature or electronic signature. 

This letter is written on my behalf and not through a third party, so I ask that you review it thoroughly. I did not authorize the disputed actions, which violate my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically : Section 605B : Blocking information resulting from identity theft, fraud, or a data breach [ 15 U.S.C. 1681c-2 ]. 
Section 604 : Permissible purposes for accessing consumer reports [ 15 U.S.C. 1681b ]. 
I have already contacted the relevant companies and determined that these actions were carried out without proper validation or adherence to legal standards. As such, I maintain that the accounts and inquiries in question are both inaccurate and unauthorized. I believe they are the result of a data breach or improper reporting by creditors or third-party data furnishers. 

In compliance with the FCRA, I request the immediate removal of these fraudulent entries from 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 explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: BetterNOI, LLC
State: IN

Complaint narrative:
On XX/XX/XXXX a case was opened through XXXX XXXX XXXX. The information obtained for this account is unknowingly and inaccurate. According to 15 U.S. Code 1692e, which XXXX XXXX XXXX is in non-compliance. Under the FDCPA Section XXXX ( b ), they are not allowed to pursue collection activity until the alleged debt is validated. You should be aware that in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX ( XXXX XXXX XXXX ), the court ruled that reporting a collection account is indeed considered collection activity. case # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I recently received a copy of my credit and noticed that I had a fraudulent account on my credit report. Please remove this account from my credit report, they are hurting my ability to obtain credit.

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 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I recently received a copy of my credit and noticed that I had a fraudulent account on my credit report. Please remove this account from my credit report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
This claim is an adverse action and counter claim to Wells Fargo Home Mortgage Wells Fargo Home Mortgage claims that XXXX XXXX XXXX is the debtor The counter claim is that XXXX : XXXX could not possibly be the debtor due to what the law says XXXX : XXXX is in fact a living breathing woman who has pledged Allegiance to America ( unincorporated ) and shall not be with LEGAL NAME nor considered to be a " person '' " corporation '' " agency '' thus making any existing contract null and void. 

31 USC 1501 ( a ) An amount shall be recorded as an obligation of the United States Government only when supported by documentary evidence of ( 1 ) a binding agreement between an agency and another person ( including an agency ) that is ( A ) in writing, in a way and form, and for a purpose authorized by law ; and ( B ) executed before the end of the period of availability for obligation of the appropriation or fund used for specific goods to be delivered, real property to be bought or leased, or work or service to be provided ; ( 2 ) a loan agreement showing the amount and terms of repayment ; ( 3 ) an order required by law to be placed with an agency ; ( 4 ) an order issued under a law authorizing purchases without advertising ( A ) when necessary because of a public exigency ; ( B ) for perishable subsistence supplies ; or ( C ) within specific monetary limits ; ( 5 ) a grant or subsidy payable ( A ) from appropriations made for payment of, or contributions to, amounts required to be paid in specific amounts fixed by law or under formulas prescribed by law ; ( B ) under an agreement authorized by law ; or ( C ) under plans approved consistent with and authorized by law ; ( 6 ) a liability that may result from pending litigation ; ( 7 ) employment or services of persons or expenses of travel under law ; ( 8 ) services provided by public utilities ; or ( 9 ) other legal liability of the Government against an available appropriation or fund. 
( b ) A statement of obligations provided to Congress or a committee of Congress by an agency shall include only those amounts that are obligations consistent with subsection ( a ) of this section. 
( Pub. L. 97258, Sept. 13, 1982, 96 Stat. 927. ) Counterclaim is that XXXX XXXX XXXX rebuts the assumption that Wells Fargo Home Mortgage makes that she is a legal fiction entity/person/corporation XXXX : XXXX invokes her Florida ( unincorporated ) State ( republic ) Constitution Right to invoke Common Law Jurisdiction Let the record show forth that Wells Fargo Home Mortgage has failed to comply with multiple Cease and Desist Orders, FCRA guidelines and policies, to follow and adhere to the T.I.L.A ( Truth and Lending Act ) rules and regulations.

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 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This claim is an adverse action and counter claim to XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX claims that XXXX XXXX XXXX is the debtor The counter claim is that XXXX : XXXX could not possibly be the debtor due to what the law says XXXX : XXXX is in fact a living breathing woman who has pledged Allegiance to America ( unincorporated ) and shall not be with LEGAL NAME nor considered to be a " person '' " corporation '' " agency '' thus making any existing contract null and void. 

31 USC 1501 ( a ) An amount shall be recorded as an obligation of the United States Government only when supported by documentary evidence of ( 1 ) a binding agreement between an agency and another person ( including an agency ) that is ( A ) in writing, in a way and form, and for a purpose authorized by law ; and ( B ) executed before the end of the period of availability for obligation of the appropriation or fund used for specific goods to be delivered, real property to be bought or leased, or work or service to be provided ; ( 2 ) a loan agreement showing the amount and terms of repayment ; ( 3 ) an order required by law to be placed with an agency ; ( 4 ) an order issued under a law authorizing purchases without advertising ( A ) when necessary because of a public exigency ; ( B ) for perishable subsistence supplies ; or ( C ) within specific monetary limits ; ( 5 ) a grant or subsidy payable ( A ) from appropriations made for payment of, or contributions to, amounts required to be paid in specific amounts fixed by law or under formulas prescribed by law ; ( B ) under an agreement authorized by law ; or ( C ) under plans approved consistent with and authorized by law ; ( 6 ) a liability that may result from pending litigation ; ( 7 ) employment or services of persons or expenses of travel under law ; ( 8 ) services provided by public utilities ; or ( 9 ) other legal liability of the Government against an available appropriation or fund.

( b ) A statement of obligations provided to Congress or a committee of Congress by an agency shall include only those amounts that are obligations consistent with subsection ( a ) of this section. 
( Pub. L. 97258, Sept. 13, 1982, 96 Stat. 927. ) Counterclaim is that XXXX XXXX XXXX rebuts the assumption that XXXX XXXX XXXX XXXX  makes that she is a legal fiction entity/person/corporation XXXX : XXXX invokes her Florida ( unincorporated ) State ( republic ) Constitution Right to invoke Common Law Jurisdiction Let the record show forth that XXXX XXXX XXXX Mortgage has failed to comply with multiple Cease and Desist Orders, FCRA guidelines and policies, to follow and adhere to the T.I.L.A ( Truth and Lending Act ) rules and regulations.

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