vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-11 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:
I am writing to formally notify you that I have been a victim of a data breach, which resulted in the unauthorized use of my personal information. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), to request the immediate blocking and permanent deletion of the fraudulent accounts and inquiries listed below from my credit report.

Under the provisions of these federal laws, I am entitled to have any information resulting from identity theft removed from my credit file. The accounts and inquiries detailed below are not mine, and I did not authorize their creation or the associated credit checks. 
Fraudulent Accounts to be Blocked and Deleted : XXXX. XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX XXXX XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$2900.00} XXXX. XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} Unauthorized Inquiries to be Removed : XXXX. XXXX XXXX o Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX o Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX o Date of Inquiry : XX/XX/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 2024-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Macy 's American Express owes me {$860.00}. XXXX XXXX charged me in error for an order that was previously paid for. I called and made a XXXX claim but was lucky to get the issued resolved by the vendor who wrote me a check. I contacted the fraud department immediately and told them to let the charge stand. This was a charge in early XXXX of this year. 

The charge remained on my account which was fine. However, in early XXXX I got an emotional call from XXXX saying American Express took the money from them. 

As you can see I was charge and then credited. However, I my account was charged again ( a second time ) as you can see on my XXXX statement but the vendor never received the funds. I spoke to the fraud department and told them to just give me back the money and I would pay XXXX another way. 

Macy 's is refusing to give me my money back. As you can see the lengths I have gone through to resolve this matter, even contacting the XXXX XXXX  American Express. I desperate need someone to help me. I am XXXX XXXX XXXX, live paycheck to paycheck and I am losing sleep over this as the vendor is needing to be paid. I hope you can reason with Macy 's that they have made a gross error that needs to be corrected and my account needs to be credited once again. I feel there has been gross incompetence on the part of Macy 's XXXX Department.

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 2024-11-11 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: LA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute certain inaccuracies in my credit report as outlined in the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681. I believe that the following account has violated my federally protected consumer rights to privacy and confidentiality. 

**Account Information : ** - **Account Name : ** XXXX XXXX XXXXXXXX XXXX **Account Number : ** XXXX Upon reviewing my Experian credit report on XX/XX/year>, I noticed several discrepancies that do not accurately reflect my credit history. Under 15 USC 1681 ( e ) ( b ), it is the responsibility of consumer reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of the information contained in reports. 

Furthermore, according to 15 USC 1681i, if an item is found to be inaccurate, incomplete, or unverifiable after a reinvestigation, the consumer reporting agency is required to either promptly delete or modify the inaccurate information. Additionally, under 15 USC 1681s-2, it is prohibited for any person to furnish information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

In the attachment, all three credit bureaus has XXXX inaccurate dates of ( last activity ), all three credit bureaus has XXXX inaccurate times of ( times of days late ). These inaccuracies are against the law and are against my customer rights. I demand the immediate deletion on this account. 

Thank you for your attention to this matter. I look forward to your prompt response.

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 2024-11-11 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have been attempting to reach out to Experian for nearly XXXX XXXX  without receiving the assistance I need. I am in the process of purchasing a home, yet my Experian credit score has not been updated since XX/XX/year>. None of the items reported on my XXXX and XXXX reports are reflected in my Experian report, which has created significant issues. 

On XX/XX/year>, I initially contacted Experian via email, receiving only an automated response. Afterward, I called customer service and spoke with a representative who informed me that Experian needed to verify my identity. He walked me through the verification process, submitted the documentation with me, and assured me that it would take XXXX XXXX XXXX for the update to reflect. 

However, it is now nearly XXXX, and I have received no updates despite having sent follow-up emails on XX/XX/year>, XX/XX/year>, and XX/XX/year>. Additionally, Ive been unable to reach any representative who can assist me further. My only option has been to request a mailed credit report, which does not address the issue at hand. This unresolved situation has been frustrating and has severely limited my ability to use my credit. 

Today, on XX/XX/year>, I have sent a formal letter detailing my concerns. If no action is taken or assistance provided, I will have no choice but to pursue legal measures to ensure the accuracy of my credit report, as Experian has failed to uphold its responsibilities.

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 2024-11-11 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: NC

Complaint narrative:
I am writing to formally request the blocking and deletion of accounts on my credit report that were fraudulently created following a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I ask that these entries be removed promptly to prevent further harm. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX  - {$450.00} XXXX XXXX XXXX XXXX XXXX XXXX  - {$1100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: OK

Complaint narrative:
This company has been harassing me for some time now, they call me anywhere from XXXX times some weeks, sometimes back to back. I have requested the validation of debt along with account numbers for the XXXX collections this company is trying to press me into paying. I have not received any validation nor have I received the statements requested. I have verbally told them multiple times I would not be paying this debt until such is validated completely but the have yet to provide me valid proof and or information. 

: 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ) states that if a consumer notifies a debt collector in writing that they refuse to pay a debt or wish the debt collector to cease further communication, the debt collector shall not communicate further with the consumer regarding that debt, except to notify the consumer of specified remedies that may be invoked by the debt collector or creditor -- - Thus has been broken.

15 USC 1681 is a section of the United States Code that deals with consumer reporting agencies and their procedures for handling consumer credit, personnel, insurance, and other information. The purpose is to ensure fairness, accuracy, and proper utilization of such information while protecting consumer rights -- -Thus has been broken. I will pull records if need be to show accountability for these claims. 

I would appreciate removal of all debts from Midland Credit Management as they have yet to professionally provide the requested and accurate information in the allowed amount of time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 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: CA

Complaint narrative:
These companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted the bureau 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 explanation
Consumer complaint received 2024-11-11 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: CA

Complaint narrative:
These companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted the bureau 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 2024-11-11 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: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
This data furnisher is fraudulently reporting adverse information in relation to my Name/likeness/identity to third parties without my written permission or consent. This is a clear violation of FCRA law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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: NJ

Complaint narrative:
I am reaching out to express my concerns about the security of my personal information. On multiple occasions, I have noticed details on my report that do not pertain to me. I have identified specific cases of incorrect information that need to be investigated, as the data mistakenly associated with my report actually belongs to another account.

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 2024-11-11 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: CT

Complaint narrative:
I have had this removed and yet it has come back onto my credit file. I have provided the payoff letter and the title to all the bureaus yet XXXX only complied.

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 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Requested Truth in Lending Regulation Z from Wells Fargo since XX/XX/2024. Wells Fargo has not complied with the TILA request or email and IP addresses for the devices used in setting up XXXX XXXX rent rewards program. I asked for the information to be mailed to my current address. Request was made six times in the last XXXX XXXX. If the TILA is sent to the device that set up the XXXX XXXX I will not receive it. Wells Fargo needs to be aware of penalties for not disclosing Truth in Lending protocol. When I receive email and IP addresses this situation will get settled. CFPB case number for previous complaint XXXX. Wells Fargo case # XXXX. Appreciate attention to this matter. XXXX XXXXXXXX XXXX were activated and all details for each transaction is required. Thank you. 

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 2024-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Absolute Resolutions Corp.
State: IL

Complaint narrative:
Subject : Formal Complaint and Cease-and-Desist Request Regarding Harassing Calls by XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau , I am submitting this formal complaint regarding repeated, harassing phone calls made to me and my family members by XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX . These calls have become a constant source of stress and have disrupted the privacy of both my household and the lives of my family members. I am requesting that the CFPB take action to ensure these companies comply with federal consumer protection laws and immediately cease all communication with me and my family. 

These actions by XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX are in direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Under these laws, consumers are entitled to protections from harassment, as well as rights to control the manner in which debts are communicated. Specifically : 1. **15 U.S.C. 1692d ( FDCPA ) ** - This section explicitly prohibits debt collectors from engaging in any conduct intended to harass, oppress, or abuse any person in connection with debt collection. The repetitive calls made to me and my family members appear to be intended to intimidate and harass, which violates this section. 

2. **15 U.S.C. 1692c ( b ) ( FDCPA ) ** - This section restricts debt collectors from contacting third parties ( such as family members ) without permission or a legal reason. These calls to my family members constitute an unwarranted invasion of privacy and are in direct violation of this provision. 

3. **15 U.S.C. 1681b ( FCRA ) ** - This section limits the circumstances under which consumer information can be accessed or disclosed. Reaching out to family members and involving them in my private financial matters is unwarranted and further violates my rights under this provision. 

In addition, under **15 U.S.C. 1692c ( c ) ( FDCPA ) **, I am exercising my right to request that XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX immediately cease and desist from contacting me or my family members by any means, including phone calls, letters, emails, or other forms of communication. I am providing written notice of this request, and any further contact will be regarded as a violation of the FDCPA, subject to legal consequences. 

Please consider this letter as a formal request for assistance in ensuring my rights are upheld and that these companies adhere to all federal laws concerning fair debt collection practices. I request that the CFPB investigate this matter and ensure that XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX immediately cease all harassing communications. 

Thank you for your attention and prompt action on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am filing this complaint to dispute inaccurate information reported by XXXX XXXX  XXXX on my credit report, as reflected in the data from TransUnion and XXXX. These inaccuracies violate Section 623 of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to provide accurate and consistent data to credit reporting agencies. Additionally, the reported information appears to disregard Metro 2 industry standards, which are designed to ensure uniformity and reliability in credit data across all bureaus.

For an accurate representation of this account, I request that the CFPB facilitate a verification and update process based on the following Metro 2 Base Segment fields : 1. XXXX XXXX XXXX XXXX XXXX  - I request that XXXX XXXX verify and ensure the accuracy of this field according to Metro 2 standards. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX - I ask that XXXX XXXX verify the accuracy of this field and ensure it is consistent with Metro 2 coding. 
XXXX. XXXX XXXX / XXXX XXXX - : I request verification of this field to ensure it is reported accurately across all credit bureaus in accordance with Metro 2 guidelines. 
XXXX. XXXX XXXX / XXXX XXXX & XXXX XXXX- Please verify the accuracy of these fields to ensure they align with Metro 2 standards. 
XXXX. XXXX XXXX / XXXX XXXX - I ask that this field be verified for accuracy according to Metro 2 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 non-monetary relief
Consumer complaint received 2024-11-11 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: FL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXXXXXX 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 2024-11-11 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : ACCOUNTS : XXXX. XXXX XXXX XXXX. Account number : XXXX XXXX. XXXX XXXX XXXX. Account number XXXX XXXX. XXXX XXXX XXXX. Account number : XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with explanation