vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: CA

Complaint narrative:
I received a debt collection letter in the mail from Wakefield & Associates , LLC, stating that they are collecting debt on behalf of XXXX XXXX California, service date XX/XX/year>. It was a bill for {$390.00} and they threatened me with a negative impact on my XXXX XXXX if not paid in full promptly. However, Ive never received any type or service or medical procedures from XXXX XXXX California, nor have I ever heard of this facility. Upon further investigation on XXXX, I find that many consumers received similar debt collections from Wakefield & Associates , LLC on behalf of XXXX XXXX California for which theyve never received any services from. I am positive that this is fraudulent. Please help investigate this company and its activities to protect consumers from further harassments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: AL

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. I also tried fixing this issue but nothing was fixed.

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 2024-06-17 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: CA

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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 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 XXXX XXXX XXXXXX/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 2024-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
I called Jefferson Capital, and tried to get the collections off my account but they canceled it and said it was my debt, but I had no idea what the debt was for and wasn't under my email or phone number. It was already taken off of XXXX  but still shows on XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX is NOT reporting immediately the changes to my account when the Balance is lower than the previous statement or previous month. But when I am using the available credit and when it increases in any given Week, XXXX XXXX XXXX XXXX immediately reports the same to the Credit Bureaus. 

I tried calling the XXXX XXXX customer service several times previously but they said it takes around 60 days, that is TWO BILLING cycles for the reduced amount to reflect in the Credit reports. 

But how come the increase in the usage of the available Credit card balance is reported immediately to the Credit bureaus? This is fraudulent and purposeful misrepresentation of Consumer information to the Credit Bureaus which ultimately harms the Consumers with credit score not increasing and a blockage in getting further credits or loans or better interest and credit terms. 

When I called the XXXX  XXXX about another issue, the Customer support supervisor warned me that my Credit card ending in XXXX is not current and under Risk of being initiated some negative actions by the XXXX  XXXX. I had recently disputed the account balance with TransUnion vide request noXXXX through the XXXX XXXX XXXX This is how the Consumers are warned of if they report the matter to law enforcement authorities or the Credit Bureaus. It's a real case of tyranny and against the XXXX principals of USA. 

Also, I have an Auto Loan with XXXX XXXX and the outstanding balance are not at all updated as and when the Principal amount reduces. 

I request that CFPB take immediate action against these unscrupulous Banks and order them to pay the Consumers adequate financial compensation for all the misery and agonies with the so called system of Credit reports. It's nothing but an open CORRUPTION WHICH IS KILLING THE DEMOCRACY OF THE NATION. 

There is no doubt about the Tie up of Credit Card issuers and the Credit Bureaus which could lead to a Bad faith complaint under Anti Trust law. The fraudulent Tie-up of the Loan providers with the Credit Bureaus needs an indepth Investigation by the FTC and CFPB, being a watch dog of Financial services in USA.

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 2024-06-17 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:
XXXX  XXXX Credit card is NOT reporting immediately the changes to my account when the XXXX is lower than the previous statement or previous month. But when I am using the available credit and when it increases in any given Week, XXXX XXXX Credit card immediately reports the same to the Credit Bureaus. 

I tried calling the XXXX XXXX customer service several times previously but they said it takes around 60 days, that is TWO BILLING cycles for the reduced amount to reflect in the Credit reports. 

But how come the increase in the usage of the available Credit card balance is reported immediately to the Credit bureaus? This is fraudulent and purposeful misrepresentation of Consumer information to the Credit Bureaus which ultimately harms the Consumers with credit score not increasing and a blockage in getting further credits or loans or better interest and credit terms. 

When I called the XXXX  XXXX about another issue, the Customer support supervisor warned me that my Credit card ending in XXXX is not current and under Risk of being initiated some negative actions by the XXXX  XXXX. I had recently disputed the account balance with XXXX vide request XXXX through the XXXX XXXX XXXX This is how the Consumers are warned of if they report the matter to law enforcement authorities or the Credit Bureaus. It's a real case of tyranny and against the XXXX principals of USA. 

Also, I have an Auto Loan with XXXX XXXX and the outstanding balance are not at all updated as and when the Principal amount reduces. 

I request that CFPB take immediate action against these unscrupulous Banks and order them to pay the Consumers adequate financial compensation for all the misery and agonies with the so called system of Credit reports. It's nothing but an open CORRUPTION WHICH IS KILLING THE DEMOCRACY OF THE NATION. 

There is no doubt about the Tie up of Credit Card issuers and the Credit Bureaus which could lead to a Bad faith complaint under Anti Trust law. The fraudulent Tie-up of the Loan providers with the Credit Bureaus needs an indepth Investigation by the FTC and CFPB, being a watch dog of Financial services in USA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: FL

Complaint narrative:
XXXX  XXXX XXXX XXXX is NOT reporting immediately the changes to my account when the Balance is lower than the previous statement or previous month. But when I am using the available credit and when it increases in any given Week, XXXX XXXX Credit card immediately reports the same to the Credit Bureaus. 

I tried calling the XXXX XXXX customer service several times previously but they said it takes around 60 days, that is TWO BILLING cycles for the reduced amount to reflect in the Credit reports. 

But how come the increase in the usage of the available Credit card balance is reported immediately to the Credit bureaus? This is fraudulent and purposeful misrepresentation of Consumer information to the Credit Bureaus which ultimately harms the Consumers with credit score not increasing and a blockage in getting further credits or loans or better interest and credit terms. 

When I called the XXXX XXXX about another issue, the Customer support supervisor warned me that my Credit card ending in XXXX is not current and under Risk of being initiated some negative actions by the XXXX  XXXX. I had recently disputed the account balance with XXXX vide request XXXX through the XXXX XXXX XXXX This is how the Consumers are warned of if they report the matter to law enforcement authorities or the Credit Bureaus. It's a real case of tyranny and against the XXXX principals of USA. 

Also, I have an Auto Loan with XXXX XXXX and the outstanding balance are not at all updated as and when the Principal amount reduces. 

I request that CFPB take immediate action against these unscrupulous Banks and order them to pay the Consumers adequate financial compensation for all the misery and agonies with the so called system of Credit reports. It's nothing but an open CORRUPTION WHICH IS KILLING THE DEMOCRACY OF THE NATION.

There is no doubt about the Tie up of Credit Card issuers and the Credit Bureaus which could lead to a Bad faith complaint under Anti Trust law. The fraudulent Tie-up of the Loan providers with the Credit Bureaus needs an indepth Investigation by the FTC and CFPB, being a watch dog of Financial services in USA.

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 2024-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CCS Financial Services, Inc.
State: AL

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-06-17 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:
Experian IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 3RD ATTEMPT WRITING Experian ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.

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 2024-06-17 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: CA

Complaint narrative:
I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 


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 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 2024-06-17 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: CA

Complaint narrative:
I am writing to dispute the late payment recorded on my credit report. After thoroughly reviewing the information, I believe there are errors that need to be corrected.

Upon reviewing my credit report, I noticed discrepancies regarding the reported late payments. I have consistently met my financial obligations on time and believe there may be an error or misunderstanding in the reporting. Additionally, XXXX and XXXX have already updated their records for this account. 

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
Consumer complaint received 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CarMax, Inc.
State: FL

Complaint narrative:
company is in violation of 15 usc 1666b per this violation please remove all negative remarks from my credit file and all other credit agencies on file asap. 

The negative reporting of this account is hurting my report and negatively affecting the ability of me being able to obtain credit. 

per CFPB this is a violation of my consumer rights and could be subject to daily fines for everyday this is listed. I am demanding the negative remarks be removed asap or I demand CFPB to fine them {$100.00} per day this is listed on my account and negatively effecting my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my 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

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 2024-06-17 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: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-06-17 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: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 2024-06-17 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: FL

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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