vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2024-09-03 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: NY

Complaint narrative:
I strongly recommend removing this suspicious entry from my credit report. It is not mine, and its presence is very concerning. Please take the necessary steps to correct this inaccuracy.

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 2024-09-03 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: NY

Complaint narrative:
I strongly recommend removing this suspicious entry from my credit report. It is not mine, and its presence is very concerning. Please take the necessary steps to correct this inaccuracy.

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 2024-09-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XXXX submitted a direct dispute via certified mail to Equifax XXXX XXXX XXXX demanding they remove all inquiries and all fraudulent information from my credit report however Equifax XXXX XXXX XXXX did not remove anything in fact they were being bias and keep the information on my credit report after l 've sent in proof of identity proof of residency Now today as of XX/XX/year> they have not removed the inquiries and fraudulent accounts from my credit report in which now I'm filing a federal suit and seeking financial damages and EQUIFAX XXXX XXXX XXXX HAS ALSO VIOLATED CPFB LAWS REGARDING MY IDENTITY THEFT ISSUE IF THESE ACCOUNTS ARE NOT REMOVED ASAP I WILL SUE Im attaching my ftc report with the accounts in question also the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX is my address and have been for over 12 years

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: TX

Complaint narrative:
On XXXX submitted a direct dispute via certified mail to XXXX XXXX XXXX Experian demanding they remove all inquiries and all fraudulent information from my credit report however XXXX Experian XXXX XXXX did not remove anything in fact they were being bias and keep the information on my credit report after l 've sent in proof of identity proof of residency Now today as of XX/XX/year> they have not removed the inquiries and fraudulent accounts from my credit report in which now I'm filing a federal suit and seeking financial damages and XXXX EXPERIAN XXXX XXXX HAS ALSO VIOLATED CPFB LAWS REGARDING MY IDENTITY THEFT ISSUE IF THESE ACCOUNTS ARE NOT REMOVED ASAP I WILL SUE Im attaching my ftc report with the accounts in question also the address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is my address and have been for over 12 years

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 2024-09-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Lockhart, Morris & Montgomery Inc.
State: MI

Complaint narrative:
I have a debt that has now been listed on my credit as unpaid but I never received any correspondence about this debt. I have always had medical insurance to cover any medical expenses. My insurance shouldve covered any medical expenses. If I wouldve received communication about this, it couldve been rectified prior to it being reported on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 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: HI

Complaint narrative:
I hope this letter finds you well. I am writing on behalf of a federal award recipient authorized by the XXXXXXXX XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX on XXXX in Persons ( please refer to the attached Confirmation of Authorization ). The XXXX XXXX XXXX has verified and determined that XXXX XXXX is a victim of a severe form of trafficking in persons under 22 U.S.C. 7102 ( 11 ) or XXXX XXXX under 22 U.S.C. 7102 ( 12 ), making them eligible for certain adverse credit information to be blocked according to 12 C.F.R. 1022.142 ( see attached rule ). The XXXX XXXX XXXX is dedicated to advocating for the rights and welfare of individuals affected by human trafficking and debt bondage. We have identified XXXX XXXX case, which we believe deserves your attention and expertise. In our mission to support victims and collaborate with stakeholders to eradicate human trafficking, we've identified an issue with XXXX XXXX credit report, which contains an outstanding debt likely connected to a case of debt bondage. This debt raises ethical and legal concerns due to possible fraudulent or coercive practices leading to an unjust financial obligation. We respectfully request your assistance in blocking and removing any negative accounts linked to XXXX XXXX credit profile. Thank you for your attention to this matter. We look forward to collaborating on this important issue. Please feel free to contact me at any time. Best Regards, XXXX XXXX Founder & CEO

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 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I asked for legitimate documents to prove the appearance of these items in the credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-04 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: CA

Complaint narrative:
This is so distressing and you have no idea how bad it is, Im an honest man working my way off honestly, then I look at my credit report all I see are false, incorrect and inaccurate information being reported under my name. As a consumer I know I have rights and protections but that seems to be a lie and I want to uphold that right under the law as long as I can even though it is already impacting my life and credit negatively and I need your help to set things right, sick and tired of living paycheck to paycheck with my credit applications being denied because of these errors.

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 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
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 2024-09-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On Tuesday XX/XX/year> at approximately XXXX XXXX the XXXX XXXX XXXX XXXX Department came to my place of residence and gave me paperwork on behalf of XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
To whom it may concern : This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Under federal law ( 15 U.S. Code 1681i ), you had thirty ( 30 ) days to complete your investigation from the date you received my dispute. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. Here is a list of items that were sent in my initial dispute letter that now must be deleted from your database.

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 2024-09-04 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: NC

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX XXXX the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Jon Barry and Associates, Inc.
State: NC

Complaint narrative:
Paragon Revenue Group XXXX {$1900.00} XXXX XXXX XXXX  $ XXXX XX/XX/XXXX XXXX XXXX XXXX {$790.00} XX/XX/XXXX XXXX XXXX XXXX {$700.00} XX/XX/XXXX XXXX XXXX XXXX {$17000.00} -Charge off as bad credit XXXX I have disputed all of the above accounts. I have asked for validation or purchase agreement of all of the above. I have not received any information for the above companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: AL

Complaint narrative:
Hi. These companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted TransUnion and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.

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 2024-09-03 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: TN

Complaint narrative:
Hello. My credit report has been pulled up by these companies and applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them. I have contacted Experian and a representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my 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 explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect
State: IL

Complaint narrative:
I HAVE NO IDEA OF WHO THIS COMPANY NAME AMERICOLLECT IS AND I NEVER HAD A WRITTEN R VERBAL RELATIONSHIP WITH THIS COMPANY AND THIS COMPANY AMERICOLLECT HAS REFUSED TO PROVIDE PROOF THAT I OCCURRED THIS FRAUDULENT DEBT WITH MY SIGNATURE, THEREFORE I COMPLETED A XXXX XXXX XXXX XXXXXXXX XXXX XXXX AND FTC COMPLAINT AND THEY STILL REFUSE TO REMOVE FROM MY CREDIT REPORT WHICH IS PREVENTING ME TO PURCHASE A NEW HOME. AMERICOLLECT DOES NOT BELONG TO ME AND I DO NOT OWE {$870.00} DOLLARS TO THIS FRAUDULENT COMPANY- PLEASE HELP SO I CAN PURCHASE A NEW HOME FOR MY FAMILY.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: TX

Complaint narrative:
I am writing to formally address Experian 's failure to remove specific items from my credit report, despite my prior dispute letter dated XX/XX/2024. This letter was both dated and time-stamped, and I provided clear evidence supporting the removal of these items. To date, these items remain on my report, which constitutes a direct violation of my rights under the FCRA. Moreover, under 15 U.S. Code 1681b, which outlines the Permissible Purposes of Consumer Reports, I want to emphasize that I have never provided written consent for your agency to report any information on my consumer report. The absence of consent constitutes Identity Theft. Therefore, these accounts must be deleted immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I asked for legitimate documents to prove the appearance of these items in the 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 2024-09-03 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: NC

Complaint narrative:
I am writing to formally request validation of the debt referenced above. As the account in question is being reported as a collection account on my credit report, I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) to request verification of this debt. 

Please provide me with the following information : 1. The original creditors name and address. 
2. A complete account history, including any charges, payments, or fees that have been added to the account. 
3. Proof that you are legally entitled to collect on this debt, including a copy of the assignment contract or any agreement transferring the debt to your agency. 
4. A copy of the original signed contract or agreement that created this debt. 
5. Verification of the amount claimed, including any interest, fees, or other charges that have been added to the balance. 

According to my records, the details of the account are as follows : Account Name : XXXX XXXX XXXX 
Account Number : XXXX Account Type : Collection Date Opened : XX/XX/XXXX Status : Collection account, {$6000.00} past due as of XX/XX/XXXX Balance : {$6000.00} Please be advised that you are required to provide this information within 30 days of receiving this letter. If you can not provide adequate proof that this debt is valid and that you have the legal right to collect on it, I respectfully request that you cease all collection efforts and remove this account from my credit report. 

I would appreciate your prompt attention to this matter and expect a response within the 30-day period as specified by the FDCPA. 

Thank you for your cooperation. 

Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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