vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PRONTO FINANCE INC.
State: IL

Complaint narrative:
I am disputing this account under 15 USC 6802, which ensures my right to privacy and protection against unauthorized sharing of my personal information. This account contains inaccurate information, and I did not authorize the sharing or reporting of this data under the conditions set forth by this law. I request immediate removal of this account as it is in violation of my rights under the Gramm-Leach-Bliley Act and other relevant consumer protection statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: TX

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: SC

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I spoke to a representative at Midland credit agency and he told me I had three accounts that he was trying to collect the debt on from XXXX XXXX XXXX I never signed any contracts with Midland credit management or XXXX XXXX XXXX I told them that my identity was stolen in XXXX due to the XXXX data breach and I have no knowledge of these accounts. These accounts are still on my credit as negative charge off accounts charge off accounts is considered income by the IRS because the debt was forgiven by the debtor you can not report income on a credit report.they can not furnish a wet signed document with my signature on it I spoke with them on XX/XX/XXXX. These accounts are inaccurate and not mines I filed a identity theft report with the FTC my report number is FTC Report Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: FL

Complaint narrative:
I am writing to formally dispute the inaccurate payment information listed on my credit report. This letter serves as my request under the Fair Credit Reporting Act ( FCRA ) for your agency to investigate and correct these inaccuracies promptly. 

The information in question is as follows : CREDITOR NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are 2 accounts which completely has obvious inaccuracies EXAMPLE 1 DATE OPEN XX/XX/XXXX CORRECT ON BOTH EQUIFAX AND XXXX XXXX {$9400.00} XXXX {$2100.00} EQUIFAX ( ERROR ) STATUS CLOSED XXXX XXXX EQUIFAX ( ERROR ) EXAMPLE 2 DATE OPEN XX/XX/XXXX CORRECT ON BOTH EQUIFAX AND XXXX BALANCE {$55.00} XXXX {$610.00} EQUIFAX ( ERROR ) STATUS CLOSED XXXX OPEN EQUIFAX ( ERROR ) Nature of Dispute : Inaccurate Reporting of account information This is the XXXX attempt you are clearly in violation of Federal Consumer Laws. 

Under 15 U.S. Code 1681i, I have the right to request an investigation of disputed information. If your investigation finds the information to be inaccurate or unverifiable. I request that it be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: MO

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency : XXXX XXXX Address XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

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 2024-11-12 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: MO

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency : 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 XXXXXXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 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 am writing to formally request the blocking and deletion of fraudulent information on my credit file as permitted under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of identity theft resulting from a data breach, and the following account on my credit report has been fraudulently opened without my consent : Account Name : XXXX XXXX XXXX Account Number ( Partial ) : XXXXXXXX XXXX Date Opened : XX/XX/scrub>XXXX XXXX Account Balance : {$1600.00}

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 2024-11-12 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: MS

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: FIRST NATIONAL BANK OF OMAHA
State: AZ

Complaint narrative:
On XXXX  I contact FNB Omaha to change my last name on my credit card account from XXXX to XXXX. I had a marriage related name change, which they made to my account after I provided my passport, drivers license and marriage license. 

FNB Omaha placed a hard inquiry on my credit file which should not have happened as I was not asking for new credit, or increases to my current credit limit. i was only having them make an administrative change to my account. 

This inquiry from FNB Omaha should be deleted from all 3 bureaus. XXXX will not remove the inquiry and directed me back to FNB.

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 2024-11-12 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: DC

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I am writing to formally address an incident involving an unauthorized international wire transfer with amount of {$7700.00} initiated by PNC Bank on XX/XX/year>. I want to clarify that I have never requested PNC to send an international wire transfer. However, I recently became aware that a wire transfer was sent to XXXX under my name and address, causing me both financial loss and a privacy concern. 

While this transaction was eventually rejected by the recipient, I still incurred a financial loss of {$40.00}. Moreover, this unauthorized transaction has exposed my personal information overseas, which may present additional privacy and security risks for me in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: GA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-11-12 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: FL

Complaint narrative:
I am writing to formally dispute the inaccurate payment information listed on my credit report. This letter serves as my request under the Fair Credit Reporting Act ( FCRA ) for your agency to investigate and correct these inaccuracies promptly. 

The information in question is as follows : CREDITOR NAME : XXXXXXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX CREDITOR NAME : XXXXXXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX These are 2 accounts which completely has obvious inaccuracies EXAMPLE XXXX DATE OPEN XX/XX/XXXXXXXX CORRECT ON BOTH XXXX AND EXPERIAN BALANCE {$9400.00} EXPERIAN {$2100.00} XXXX ( ERROR ) STATUS CLOSED EXPERIAN OPEN XXXX ( ERROR ) EXAMPLE XXXX DATE OPEN XX/XX/XXXXXXXX  CORRECT ON BOTH XXXX AND EXPERIAN BALANCE {$55.00} EXPERIAN {$610.00} XXXX ( ERROR ) STATUS CLOSED EXPERIAN OPEN XXXX ( ERROR ) Nature of Dispute : Inaccurate Reporting of account information This is the 3rd attempt you are clearly in violation of Federal Consumer Laws. 

Under 15 U.S. Code 1681i, I have the right to request an investigation of disputed information. If your investigation finds the information to be inaccurate or unverifiable. I request that it be removed from my credit report immediately.

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 2024-11-12 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: NY

Complaint narrative:
I am writing to inform you that I am a victim of identity theft due to a recent data breach. As a result, several fraudulent accounts have been opened in my name without my authorization. Pursuant to the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ), I am requesting that you immediately block and delete the following accounts from my credit report : Fraudulent Accounts : XXXX. XXXX  XXXX Account Number : XXXX Date Opened XXXX XXXXXX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX  XXXX Account Number : XXXX Date Opened : XXXXXX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: FL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXXXXXX XXXX XXXX  Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : 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
Consumer complaint received 2024-11-12 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: SC

Complaint narrative:
I am writing to formally request the deletion of specific accounts, inquiries, and personal information from my credit report, as I am a victim of a data breach. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I am entitled to have information related to fraudulent accounts removed from my report to protect my privacy and credit integrity.

Please delete the following accounts from my credit report XXXX XXXX XXXX, Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX, Acct # XXXX U.S. Department of Education, Acct # XXXX ( all accounts ) XXXX XXXX  Acct # XXXX Additionally, I request the removal of the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via Dealer, XX/XX/XXXX XXXX XXXX, XX/XX/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 XXXXXX/XX/XXXX Please also delete the following outdated or inaccurate personal information : Address : XXXX XXXX XXXX, XXXX, PA XXXX Employment Information XXXX XXXX XXXX  Enclosed, please find any necessary identification and documentation to confirm my identity. Thank you for your attention to this matter, and please contact me if you require any further information to complete this request. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX {$00.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$00.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$00.00} INQUIRIES : 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 non-monetary relief
Consumer complaint received 2024-11-12 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-11-12 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: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation