vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-25 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: MS

Complaint narrative:
I am writing to formally request that you cease all collection activities, including phone calls, emails, and letters, regarding the above-referenced account. This request is made pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ).

It is my understanding that [ provide reasoning : e.g., " the debt reported by your agency is inaccurate, '' " this debt has already been paid, '' or " I do not recognize this debt '' ]. As such, I am disputing the validity of this account.

I request the following information : Proof that I owe the stated amount of {$630.00} to your agency.

Verification of the original agreement between me and the original creditor, XXXX XXXX XXXX 
If you can not provide sufficient proof of the debt 's validity, you are required to delete any adverse reporting regarding this account from my credit file immediately. Additionally, I request no further contact from your agency aside from legally required written communications regarding this matter. 

Failure to comply with this request will leave me with no choice but to file a complaint with the Consumer Financial Protection Bureau ( CFPB ), my state 's attorney generals office, and possibly pursue legal action. 

Please send any written correspondence regarding this matter to my address listed above. 

Thank you for your prompt attention to this request. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I am writing to formally request that you cease all collection activities, including phone calls, emails, and letters, regarding the above-referenced account. This request is made pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ).

It is my understanding that [ provide reasoning : e.g., " the debt reported by your agency is inaccurate, '' " this debt has already been paid, '' or " I do not recognize this debt '' ]. As such, I am disputing the validity of this account.

I request the following information : Proof that I owe the stated amount of {$630.00} to your agency.

Verification of the original agreement between me and the original creditor, XXXX XXXX XXXX 
If you can not provide sufficient proof of the debt 's validity, you are required to delete any adverse reporting regarding this account from my credit file immediately. Additionally, I request no further contact from your agency aside from legally required written communications regarding this matter. 

Failure to comply with this request will leave me with no choice but to file a complaint with the Consumer Financial Protection Bureau ( CFPB ), my state 's attorney generals office, and possibly pursue legal action. 

Please send any written correspondence regarding this matter to my address listed above. 

Thank you for your prompt attention to this request. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NC

Complaint narrative:
Previous Complaint : XXXX ( Not Handled Correctly ) After asking for verification of this debt it was not resolved. I have not received proper verification, and my next legal action will be filing a court order. I need to see documentation that all parties involved have signed this so-called contract. ( See, Contract Law ) COLUMBIA DEBT RECOVERY has also openly stated that they are attempting to collect this debt on behalf of my personal credit report. I just informed this company that pursuant to 15 USC 1681 4. THEY HAVE NO PERMISSION TO REPORT ANYTHING USING MY INFORMATION. I did not give COLUMBIA DEBT RECOVERY Authorization, Consent or the right to do so. Again, I am asking for proper verification of this debt. COLUMBIA DEBT RECOVERY is stating that they are not required to hold a " direct contract '' with me and that they are going to continue collecting on behalf of their client " XXXX XXXX XXXX XXXX XXXXXXXX ''. If COLUMBIA DEBT RECOVERY is not required to have a " direct contract '' with me then i need to see the CONTRACT. Why is COLUMBIA DEBT RECOVERY illegally trying to collect this so-called debt and why are they trying to report this debt with the credit agencies? Again, if there is no contract. I demand this be removed from my credit report ( s ) and a detailed email to " XXXX '' stating that this has been fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 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: VA

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Dispute Under 15 USC 1681 - Data Breach-Related Issue Dear CFPB, I am writing to dispute an issue related to a recent data breach. My personal information was compromised, and I have reason to believe that my credit report and/or financial accounts may have been affected.

The details of my dispute are as follows : - Date of Data Breach : XX/XX/year>. 

I request that the CFPB investigate this matter and take necessary steps to : 1. Remove any unauthorized accounts/inquiries/errors from my credit report.

2. Provide me with a complimentary credit report and credit monitoring services. 


Thank you for your prompt attention to this matter. 

Sincerely, 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 2024-12-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CLGF Holdco 1, LLC
State: MO

Complaint narrative:
I do not consent to XXXX verification and want an actual living human being to read this. I attempted to inform INDIGO about violating my federal consumer rights by the way they were attempting to collect a debt from me. INDIGO is clearly violating the Privacy Act of 1974 and 15 U.S. Code 1692b - Acquisition of location information. 15 U.S. Code 1692b - Acquisition of location information clearly states how you're violating me with your communication tactics while attempting to collect a debt from. I don't care about your company policy when it comes to the laws that govern companies and protects consumers from the illegal company tactics. Your company keep telling me to switch to paperless billing due to your violations. I will not switch to paperless, and I expect your company to collect a debt properly according to 15 U.S. Code Subchapter V - DEBT COLLECTION PRACTICES and not violate my consumer rights while attempting to collect a debt. I will Arbitrate if we can't resolve this situation that I have clear evidence of. This my 3rd letter notifying and trying to resolve this issue my next step is to file Arbitrating for the violations. You company could easily send a blank envelope with no logos that violate the laws that govern you when collecting a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 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: PA

Complaint narrative:
I am submitting this formal complaint regarding inaccurate and misleading information and fraudulent activity being reported on my credit file by [ XXXX, TransUnion, and XXXX ] concerning child support obligations. These errors are causing significant harm to my credit profile and financial standing.

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 2024-12-25 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:
I am submitting this formal complaint regarding inaccurate and misleading information and fraudulent activity being reported on my credit file by [ XXXX, XXXX, and Equifax ] concerning child support obligations. These errors are causing significant harm to my credit profile and financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
My son with the same name as mine used my name to co sign for an apartment. He used my information without my permission. I have tried to resolve this and get this removed from my credit without success. Additionally I have filed a police report for proof. None of this has helped.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Company has refused to run investigations on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  even while reporting information clearly shoes fraud and is addressed to a location that is not on credit report. When asked to investigate issue company has stated meets FCRA requirements this is false as the address states XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This address is not present on any reporting agencies and was clearly never in past or future. 
Company has violated 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable And should be held liable for all errors they continue to 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 2024-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CBC Companies, Inc.
State: MI

Complaint narrative:
Company has refused to run investigations on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX even while reporting information clearly shoes fraud and is addressed to a location that is not on credit report. When asked to investigate issue company has stated meets FCRA requirements this is false as the address states XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This address is not present on any reporting agencies and was clearly never in past or future. 
Company has violated 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable And should be held liable for all errors they continue to report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 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: CREDIT ACCEPTANCE CORPORATION
State: SC

Complaint narrative:
Has not remove the negative items on my credit report. The balance should be reported as XXXX and updated to reflect GAAP compliance. The trustee is over the account to set off and balance the book, book entry asset backed securities. The account is not being reflected on the book. Debit and credit side supposed to be balanced for tax purposes per IRS.

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 2024-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Equifax Credit Bureau, please remove any and all negative items and inquiries from my credit reporting account, sent cc, to attorneys General office of Georgia

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Current violations over past XXXX months 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Violation 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681 Violation 611. 

Company has been asked to investigate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Upon each request they have refused to DELETE fraudulent files as well as refused to respond to letters requesting signatures that prove investigation. Previously company was caught falsely stating accounts met FCRA standards and was forced to delete accounts. Issue has not been resolved XXXX months later

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 2024-12-25 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: GA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$270.00} XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX XXXX {$4400.00} XXXX XXXX XXXX XXXX {$7700.00} XXXX XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX XXXX {$5000.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$42000.00} XXXX XXXX XXXX XXXX {$5800.00} XXXX XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX XXXX XXXX {$42000.00} XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud

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 2024-12-25 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: PA

Complaint narrative:
I am submitting this formal complaint regarding inaccurate and misleading information and fraudulent activity being reported on my credit file by [ Experian, XXXX, and XXXX ] concerning child support obligations. These errors are causing significant harm to my credit profile and financial standing.

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 2024-12-25 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:
It has come to my attention that my personal information has been exposed in a national data breach. After reviewing my credit reports i have noticed some accounts i am not familiar with. I have asked the CRA 's for validation of debt, however the information has not been provided. Due to my information being exposed i have submitted a FTC complaint reporting the information i am not familiar with. 

Please find the attached a copy of my ID, The FTC complaint, a copy of the XXXX report showing my information being exposed in a national database and validation of debt letter.

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 2024-12-25 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: OH

Complaint narrative:
I have previously filed a complaint with the FTC regarding these negative accounts, but they are still present. It has been a while since I took action, and there has been no resolution so far. Additionally, I received a letter from the credit bureaus stating that I am not responsible for sending the letter to them, which is incorrect. I am the one who should send my letter.

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 2024-12-25 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: OH

Complaint narrative:
I have previously filed a complaint with the FTC regarding these negative accounts, but they are still present. It has been a while since I took action, and there has been no resolution so far. Additionally, I received a letter from the credit bureaus stating that I am not responsible for sending the letter to them, which is incorrect. I am the one who should send my letter.

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 2024-12-25 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: TN

Complaint narrative:
Data Leaked /Remove Unauthorized Inquiries, Negative Accounts, invalid Social Security Numbers , Variations of Name Spelling- Siting the FCRA LAW

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 2024-12-25 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: TN

Complaint narrative:
Data Leaked /Remove Unauthorized Inquiries, Negative Accounts, invalid Social Security Numbers , Variations of Name Spelling- Siting the FCRA LAW

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 2024-12-25 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:
Recently I reviewed my consumer report, I noticed charged off and collection accounts. These accounts have been deleted from XXXX which report to XXXX, Transunion, XXXX. The information being reported is inaccurate and is a result of fraud. I did not give any written consent to XXXX, XXXX, XXXX  and XXXX XXXX to open any accounts in my name. This is a violation of my privacy and I demand these accounts to removed.

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 2024-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Recently I reviewed my consumer report, I noticed charged off and collection accounts. These accounts have been deleted from XXXX which report to XXXX, XXXX, Equifax. The information being reported is inaccurate and is a result of fraud. I did not give any written consent to XXXX, XXXX, XXXX  and XXXX XXXX to open any accounts in my name. This is a violation of my privacy and I demand these accounts to removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-25 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, 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