vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Williams & Fudge, Inc
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Tx, XXXX XXXX Williams & Fudge XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX Subject : Dispute Regarding Violation of 15 U.S.C. 6802 ( Gramm-Leach-Bliley Act ) Dear WILLIAMS & FUDGE INC , I am writing to formally dispute a potential violation of my privacy rights under the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ), specifically in regard to the unauthorized sharing or disclosure of my personal financial information by your institution.

I believe that my financial data has been shared or disclosed to third parties without my consent or in a manner that violates the provisions of 15 U.S.C. 6802, which mandates that financial institutions must have written privacy notices and provide consumers with the option to opt-out of such disclosures. To clarify : Unauthorized Disclosure : On XX/XX/XXXX, I discovered that my personal financial information may have been shared with third parties, which I did not authorize.

Lack of Notice/Opt-Out Option : I have not received any written notice regarding the disclosure of my financial information to third parties, nor was I offered an opportunity to opt out, as required by law.

Violation of Consumer Rights : Based on the information above, I believe your institution has not adhered to the provisions of 15 U.S.C. 6802 regarding consumer privacy and information sharing practices.

In accordance with the requirements of the Gramm-Leach-Bliley Act, I request that you : Provide a full explanation of how my financial information was shared or disclosed, including the third parties involved. 
Demonstrate compliance with 15 U.S.C. 6802, including the opt-out provision.

Cease any further unauthorized disclosure of my financial information and provide written confirmation of corrective action.

Please respond to this dispute within 30 days, as outlined under the Fair Credit Reporting Act ( FCRA ), and provide the necessary documentation to resolve this matter. If this issue is not addressed in a timely and satisfactory manner, I will consider taking further legal action. 

Thank you for your immediate attention to this serious matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
There are XXXX credit cards on my that happened during time of a credit breach. Under 15 USC 1681 I have a right to privacy and since there has been a data breach I need all these accounts removed due to identity theft and fraud. Dates ranging from XXXX present my social security number and identity has been compromised.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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:
Please remove this collection from my credit report, after verifying the details, name and address do not match my identity, and it is affecting my credit to get more opportunities.

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 2025-01-11 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: AL

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 ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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: NJ

Complaint narrative:
Hi, My Name is XXXX XXXX. I am contacting you to inform you that I am a victim of multiple data breaches from XXXX starting in XXXX, a XXXX XXXX, and the dark web, etc therefore, I will need all of the accounts on my credit report that have been exposed, compromised, and/ or illegally opened to be blocked and permanently deleted pursuant to 15 USC 1681c-2 ( a ) within 4 Business Days. These data breaches has been coming from left to right affecting my credit tremendously. I already tried to reach out to XXXX and Experian myself and they have not done anything to fix the problem.

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 2025-01-11 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: NCB Management Services Inc.
State: TX

Complaint narrative:
I requested that NCB Management to provide me with Validation documentation. I never received the documents with my original signature. This is the 3rd time I have disputed this information with XXXX and NCB Management yet the debut keeps showing up. Both the credit agency and the debt collector are more than aware of what I requested. I have made this request through CFPB, NCB Management, and XXXX yet it is continuously places on my credit report and has never been validated. Im XXXX  of it. They have failed to comply with 15 USC 1692g of the Fair Debt Collection Act repeatedly. At this time both XXXX and NCB Management Solutions have only 4 days to respond. No. I will not give them 15-30 day since this was addressed multiple times already.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXXSubject : Formal Complaint Against Equifax for Violating the Fair Credit Reporting Act** Dear CFPB, I am writing to formally file a complaint against Equifax for what I believe to be blatant violations of the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681B concerning permissible purposes of consumer reports. It is my assertion that Equifax has failed to comply with the legal stipulations surrounding the furnishing of consumer reports.

According to the FCRA, consumer reporting agencies are permitted to provide consumer reports only under specific circumstances, predominantly upon receiving written instructions from the consumer. Equifax has not adhered to these regulations in their reporting practices regarding my XXXX XXXXXXXX XXXX  card. # XXXX Additionally, the FCRA XXXX under 15 USC 1681 ( 2 ) ( a ) ( I ), clearly states that a consumer report should not include information solely related to transactions or experiences between the consumer and the reporting agency. It is imperative to note that my credit utilization has been misrepresented, contradicting the guidelines outlined in the FCRA.

I demand immediate action to rectify this situation. Specifically, I request that Equifax either : 1. Remove the inflated credit utilization from my report and update it to reflect 5 % or below, or 2. Completely eliminate the utilization data from my credit report.

This adjustment is crucial to ensure accurate reporting and to comply with the FCRA. I expect a prompt response to this matter, as the inaccuracies in my credit report have significant implications for my financial standing. 

Thank you for your immediate attention to this pressing issue. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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:
Hi, My Name is XXXX XXXX. I am contacting you to inform you that I am a victim of multiple data breaches from XXXX starting in XXXX, a XXXX XXXX, and the dark web, etc therefore, I will need all of the accounts on my credit report that have been exposed, compromised, and/ or illegally opened to be blocked and permanently deleted pursuant to 15 USC 1681c-2 ( a ) within 4 Business Days. These data breaches has been coming from left to right affecting my credit tremendously. I already tried to reach out to XXXX and XXXX myself and they have not done anything to fix the problem.

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 2025-01-11 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: NJ

Complaint narrative:
Hi, My Name is XXXX XXXX. I am contacting you to inform you that I am a victim of multiple data breaches from Equifax starting in XXXX, a XXXX XXXX, and the dark web, etc therefore, I will need all of the accounts on my credit report that have been exposed, compromised, and/ or illegally opened to be blocked and permanently deleted pursuant to 15 USC 1681c-2 ( a ) within 4 Business Days. These data breaches has been coming from left to right affecting my credit tremendously. I already tried to reach out to Equifax and XXXX myself and they have not done anything to fix the problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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: W&A Intermediate Co., LLC
State: GA

Complaint narrative:
I company called XXXX, XXXX XXXX, XXXX XXXX XXXX accounts and a company Wakefield LLC are reporting false information someone did these accounts fraudulent I'm asking that they be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I company called XXXX, XXXX XXXX, Capital One two accounts and a company XXXX XXXX are reporting false information someone did these accounts fraudulent I'm asking that they be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: NC

Complaint narrative:
I have filed a complaint many times regarding the negative accounts on my credit report. I want these negative accounts removed and the responsible parties held accountable. I want them to be fined due to the impact of inaccurate reporting on my credit report. If nothing happens with this complaint, I will file a lawsuit against them, and they should be held responsible for their actions.

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 2025-01-11 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: NC

Complaint narrative:
I have filed a complaint many times regarding the negative accounts on my credit report. I want these negative accounts removed and the responsible parties held accountable. I want them to be fined due to the impact of inaccurate reporting on my credit report. If nothing happens with this complaint, I will file a lawsuit against them, and they should be held responsible for their actions.

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 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have written to Experian and Disputed this issue Regarding Inaccurate Reporting of Multiple Name Variations I request they cease reporting multiple variations of my name in my credit file, as this is a misrepresentation of my identity and these unlaw and incorrect spellings violates my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 
Specifically, I have noticed that there are Ten ( 10 ) different variations of my name being reported : The FCRA requires credit reporting agencies to maintain accurate information, and these variations of my name are incorrect and misleading. This misrepresentation has directly caused harm to my creditworthiness, including denial of credit opportunities and financial services. 

I am requesting the immediate removal of these variations from my credit file. 
I sent the company a copy of my State Driver 's License that bares My legal and correct name, which i will also attach again to this complaint, But my full Legal Name is : ( XXXX XXXX XXXX ) I want them to re-investigate this matter promptly and provide me with written confirmation once the incorrect names have been removed. 
I am also requesting a detailed explanation of the verification process and the sources they have relied upon to continue reporting this inaccurate information after my first complaint Thank you for your attention to this matter. I look forward to your response within the time frame required under the FCRA. 

Sincerely,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2025-01-11 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
I am filing this complaint against Fair Collections and Outsourcing INC regarding their improper handling of a disputed debt under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

The collection agency contacted me regarding an alleged debt, which I formally disputed via certified mail on XX/XX/year>. I requested validation of the debt, including documentation proving the debt is valid and owed by me. I provided evidence of my dispute, including XXXX receipts confirming delivery of my dispute letters, yet they continued to report the debt to credit bureaus during the dispute process. 

In response to my dispute, the agency claims to have mailed a " verification of debt '' on XXXX which appear to be a lease signed by someone who apparently used my name. I formally notified them via certified mail that I have no knowledge of ever having any business whatsoever with the company shown on the paper. I was surprised to find out that they reported the account to the credit bureaus. When I contacted them via email and certified mail, they claim to have sent me an affidavit of fraud following my second correspondence that i never received. I have requested proof of mailing for this affidavit, which they have not provided. I explained to them that an affidavit alone does not satisfy the debt validation requirements under the FDCPA, as it fails to include documentation such as original contracts or clear proof of my liability for the debt. 

Despite my timely dispute, the agency reported the debt to the credit bureaus without proper validation. This violates : FDCPA Section 809 ( b ) : Reporting a debt while it is under dispute without validation is prohibited. 
FCRA Requirements : If a debt is disputed, it must be reported as " disputed '' to the credit bureaus. The agency has failed to ensure compliance with this requirement. 
Additionally, this collection agency has a history of non-compliance with consumer protection laws, as evidenced by public records and their BBB rating of " XXXX '' Resolution Sought : I request the following actions from the collection agency : Retract the debt from all credit bureaus until proper validation has been provided. Update my credit report to reflect this as required by law. 
Provide a detailed record of all correspondence they claim to have sent, including proof of mailing for the affidavit of fraud. 


If these steps are not taken, I ask the CFPB to intervene to ensure compliance and prevent further harm to my credit record. Thank you for your assistance 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 2025-01-11 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of the account listed below on my credit report. This account is listed with inaccuracies that violate multiple sections of federal law. 

Account Details : Creditor Name XXXX XXXX XXXX XXXX XXXX : Auto Loan Account Number : XXXX Balance Reported : {$7700.00} Status : Collection/Charge-Off Violations and Inaccuracies : 1. Failure to Verify the Debt ( 15 U.S. Code 1692g ) : Under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to provide complete verification of the debt upon request. No such verification has been provided, and this account remains listed with inaccurate and unverified information.

2. Failure to Cease Communication After Dispute ( 15 U.S. Code 1692c ) : Communication regarding this account should have ceased once the dispute was initiated, yet the account continues to be reported derogatorily.

3. Inaccurate and Misleading Reporting ( 15 U.S. Code 1681e and 1681i ) : The Fair Credit Reporting Act ( FCRA ) mandates that credit bureaus maintain maximum accuracy in their reporting.

The account incorrectly lists a balance of {$7700.00}, even though the merchandise was taken back by the credit grantor.

The account should not be reported as both a Charge-Off and with a balance due, as this is misleading and inaccurate. 
The reporting of this account as a loss by the credit grantor conflicts with the supposed balance owed. 
XXXX. Failure to Issue a Form 1099-C for the Charged-Off Debt : According to IRS regulations, when a debt is charged off and the creditor cancels {$600.00} or more of the debt, the creditor is required to issue a Form 1099-C for tax purposes and report the cancellation to the IRS.

This account has been reported as charged off, yet I have not received a Form 1099-C, nor has any evidence been provided to show compliance with IRS regulations XXXX 
This raises questions about the validity of the reported balance and the legality of its continued reporting. 
XXXX. Recent CFPB Lawsuit Against Experian : I am aware that the Consumer Financial Protection Bureau ( CFPB ) has recently opened a lawsuit against Experian, the bureau currently reporting this account, due to their consistent failure to properly investigate disputes and validate debts as required by law. 
This lawsuit further highlights the systemic issues within Experians processes and reinforces the likelihood that my dispute has not been properly investigated, in violation of 15 U.S. Code 1681i. 


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 explanation
Consumer complaint received 2025-01-11 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I requested a bankruptcy be removed from my credit reporr as it was being reported incorrectly. I asked where they got the information being reported and they replied with a letter of the third party company they use to report information. The company was XXXX XXXX. I wrote in to XXXX XXXX to dispute the incorrect information. They replied with a letter informing me that the bankruptcy is inverifiable. I submitted this letter along with indentifying documents to Equifax to remove this unverifiable information off of my credit report. They responded back in less than 30 days saying it was verified and remains on my credit report.

Company response to consumer: Closed with explanation