vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-26 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:
I discovered that some of the information was erroneous. The XXXX and EQUIFAX 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$6900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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: OH

Complaint narrative:
I am a XXXX XXXX victim and items on my credit report are the results of 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 2024-11-26 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: MS

Complaint narrative:
To whom this may concern, I am writing to request the removal of unauthorized credit inquiry/inquiries on my credit report. I recently retrieved my credit report and it showed credit inquiries that I have no knowledge of ever authorizing. 
I am writing to dispute the following inquiries and asking for their removal from my credit report. 
Please have these unapproved inquiries removed from my credit report within 48-72 hours as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 
Thank you for your assistance.

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 2024-11-26 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: EQUIFAX, INC.
State: MS

Complaint narrative:
To whom this may concern, I am writing to request the removal of unauthorized credit inquiry/inquiries on my credit report. I recently retrieved my credit report and it showed credit inquiries that I have no knowledge of ever authorizing. 
I am writing to dispute the following inquiries and asking for their removal from my credit report. 
Please have these unapproved inquiries removed from my credit report within 48-72 hours as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 
Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC.
State: DC

Complaint narrative:
From XXXX to XXXX of XXXX  I reached to XXXX in hopes to acquire a rental office for XXXX of XXXX. Paper work all done I noticed the wrong duration was on the contract. It stated 2 years instead of 4-5 months. Now I ran the numbers and sure enough I could not pay upwards of XXXX XXXX dollars. 

Second to last week of XXXX this year I called and called, spoke with multiple representatives and emailed support network who said contract durations could not be changed, good luck. They stated that because their entire system is digital little to few WOULD know how to do that. Finally I reached a Manager named XXXX who I explained that I didn't want to terminate service, only adjust the duration from 2 years to 5 months or half a year. She explained that such a change IS possible and would reach out to me in a week 's time. 

That didn't happen. Not only did she provide me a bogus office number. Very few departments within XXXX had ever heard of a woman named XXXX as stated by representative XXXX. I managed to find her email and wrote as it had been over a week with no word. Her email was brief, telling me there's nothing she can do, her boss said so. I said okay and asked to put me in touch with said boss to which she replied that was not possible. 

Seemed like XXXX didn't want to help me in the slightest and I wasn't going to use a service I didn't want for 2 years. Sure enough I informed XXXX that this contract is in error and outside my means and budget. They stated the terms were locked and to proceed with making payments. 

If any real assistance would take place it would be after the collection letter arrived. So now I can complain formally and go from there.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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: PA

Complaint narrative:
Credit Bureaus in Question 1. XXXX XXXX. Equifax Detailed Complaint Background of Dispute I am writing to file a formal complaint against XXXX and Equifax for persistent violations of the Fair Credit Reporting Act ( FCRA ), specifically : - Failure to ensure maximum possible accuracy of credit report information ( 15 U.S.C. 1681e ( b ) ) - Refusal to conduct a reasonable reinvestigation of disputed information ( 15 U.S.C. 1681i ( a ) ) - Non-compliance with dispute resolution requirements ( 15 U.S.C. 1681i ( c ) ) Chronology of Dispute Attempts nitial Dispute - Date of Initial Dispute : XX/XX/year> - Method : Certified Mail - Supporting Documents Provided : * State-issued ID * Social Security Card * Proof of Address Follow-up Correspondence - XX/XX/year> : XXXX refuses to act on dispute, claiming the dispute was not initiated by me- XX/XX/year> : Follow-up dispute sent - XX/XX/year> : Comprehensive dispute letter resubmitted with all identification documents- XX/XX/year> : XXXX again refuses to address the dispute Specific Errors Requiring Immediate Correction XXXX. XXXX Missed Payments Incorrectly Reported - Account Status : Closed - Current Reporting : Inaccurately showing late payments - Impact : Severe damage to credit score Requested Actions 1. Immediate removal of all inaccurate late payment entries 2. Complete investigation of disputed items 3. Correction of all erroneous credit report information 4. Provision of a detailed written explanation of investigation results Supporting Evidence - Copies of all dispute letters- Identification documents- Correspondence from credit bureaus Legal Basis for Complaint This complaint is filed under the Fair Credit Reporting Act ( FCRA ), specifically : - 15 U.S.C. 1681e ( b ) : Requirement for maximum possible accuracy - 15 U.S.C. 1681i ( a ) : Duty to conduct reasonable investigations- 15 U.S.C. 1681i ( c ) : Requirement to note disputes in future reports Relief Sought 1. Complete removal of disputed and unverifiable entries 2. Correction of credit report to reflect accurate information 3. Potential damages for willful non-compliance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
While at work, on XX/XX/XXXX I receivedseveral alertsof fraud / suspiciousactivity regarding transactionsto my Bank Of America checking account. After looking at all these notifications I found all these charge attempts being made by someoneusing my debit card! Almost $ XXXX in attempts and one of which has been postedby some resort. I immediatelycontacted Bank of America andhad locked the card as missing/stolen, and noted the visible unauthorized transactions. Searching everywhere, I could-not find my pouch with my BoA debit card, driver 's license, credit cards, cash and car keys! I do not know how or where and stumbled as to where it happened! Someone apparentlygot to it and was not a good person, instead they decided to rack up all these changes. I have called Bank of America on several occasions, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX requestingan update on the fraud claim ( Claim ID # XXXX ) and how they're going to get mymoney back. I indicated to them that my mortgage payment is going to be drafted on XX/XX/XXXX due to the XXXX holiday and was told the matter would be escalated for resolutionand I should receive a response/resolution within 24-48 hours. Following no response, on XX/XX/XXXX I called again and was told no one escalatedthe matter and that it would be and I should see a response or resolution within 24 - 48 hours. Looking over my account, no one has made a resolution and now seeing one of theunauthorized transaction attempts, {$3900.00} was posted. This has nearly wiped out my account and no credits were applied from Bank of America to this regard. I am so afraid that our upcoming mortgage and bills won't be paid in time. Disappointingly I believe I'm going to be given the run aroundandfear that the bank may not fulfill its zero-liability guarantee. Where is the protection?

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 monetary relief
Consumer complaint received 2024-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Portfolio Recovery Associates, LLC
State: MS

Complaint narrative:
Dear ( Debt Collector ) 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. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matte.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them, resulting in my credit report being pulled up by these companies and hurting my credit score. I have contacted the bureau and a representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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: NM

Complaint narrative:
i am a victim of XXXX XXXX i have uploaded supporting documents to support my cliam on this matter, please take the time and review all the documents i have submitted.

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 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated, there are items on my credit report that have resulted from fraud and I never benefitted from it. I have already reported this to the Federal Trade Commission but they are not removed from my report, this is causing me tremendous XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My company XXXX submitted disputes to Experian, XXXX and XXXX XXXX on the XXXX of XXXX. Almost immediately Experian sent me an email indicating that the dispute was already resolved with the company. There is no way a company could verify that number if disputes in one day. This is fraudulent.

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 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Subject : Cease and Desist and Dispute of Debt Collection Reporting To Whom It May Concern, This letter serves as a formal dispute of the debt you are attempting to collect and as a notification that I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692c ( c ), to request that you cease all further communication with me regarding this alleged debt. Additionally, I am disputing the accuracy of the reporting of this debt on my credit report, as governed by the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ).

The debt in question is as follows : Account Name : EASTERN ACCOUNT SYST Amount Alleged Owed : {$130.00} Request to Cease Communication Under 15 USC 1692c ( c ), you are hereby notified to cease all communication with me regarding this debt. Any further communication, other than those allowed by law, will be considered a violation of the FDCPA and subject to legal action.

Dispute of Debt and Reporting I dispute the validity of this debt and the accuracy of its reporting on my credit report.

The Fair Credit Reporting Act ( FCRA ), 15 USC 1681e ( b ), requires that credit reporting agencies maintain maximum possible accuracy in their reporting. If you can not provide verifiable proof that this debt is valid and belongs to me, it must be removed from my credit report immediately.

Action Requested Provide Validation : Send me documentation validating the debt, including the original contract and payment history.

Cease Communication : Cease all further attempts to contact me regarding this debt as per 15 USC 1692c ( c ).

Update Credit Report : If the debt can not be verified, remove it from my credit report and confirm in writing that it has been deleted.

Please consider this letter a formal dispute under both the FDCPA and FCRA. Failure to comply with these laws will leave me no choice but to report your violations to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office.

Thank you for your immediate attention to this matter. I look forward to receiving your response within the timeframe required by law. If you need further information, I can be reached at [ Your Phone Number ] or [ Your Email Address ]. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
I am filing a formal complaint against Midland Credit Management , Inc. ( MCM ), Midland Funding, LLC, and their affiliates for deceptive and harmful practices related to an alleged debt they claim to own. Their actions include fraudulent docket entries, failure to validate the debt, and the addition of excessive and deceptive fees that have inflated the balance far beyond the original amount that has caused significant financial harm and obstructed my ability to grow wealth. 
XXXX. Alleged Debt and Judgment : MCM claims to have purchased a debt from XXXX Bank on XX/XX/XXXX, for a XXXX credit card account with an original balance of {$800.00}. 
A default judgment was entered against me despite my inability to properly defend myself. 
XXXX. Fraudulent Identity Claim : I have never done business with MCM or its affiliates, and they do not possess my wet-ink signature. 
I believe my identity has been stolen and used to fabricate this debt. 
XXXX. Failure to Validate Debt : On XX/XX/XXXX, I sent a certified letter to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MI XXXX, requesting debt validation. 
MCM failed to respond, violating the Fair Debt Collection Practices Act ( FDCPA ). 
XXXX. Inflated Balance and Fraudulent Fees : The alleged debt has ballooned from {$800.00} to {$1300.00}, due to unexplained and deceptive fees. 
Fraudulent payment entries include : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These fabricated payments may constitute fraud.

5. Harm Caused by Garnishment : MCMs actions have obstructed my ability to acquire wealth, as funds are being withheld by another entity based on fraudulent garnishment claims. 
My financial institution, XXXX XXXX XXXX XXXX, confirmed there is no garnishment order from this group. 
XXXX. Statute of Limitations Concerns : I am concerned that the statute of limitations may have expired to file a motion to vacate the judgment. This judgment is invalid and unenforceable due to their failure to provide documentation and fraudulent actions.

Violation of Consumer Protections : Midland Credit Management , Inc., and its affiliates have violated my rights under the following : Fair Debt Collection Practices Act ( FDCPA ) : Failure to validate the alleged debt, despite my formal request.

Fair Credit Reporting Act ( FCRA ) : Furnishing and reporting inflated balances, fraudulent payment data, and inaccurate garnishment actions, which harm my credit profile and financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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 recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XX/XX/year> and XX/XX/year> ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

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 2024-11-26 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: NC

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I reviewed my Consumer Reports and noticed I have incorrect items on my Consumer report that I was not aware of. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments and also I have no knowledge of these Fraudulent accounts and Fraudulent inquiries Please investigate and provide Proof with statements showing that these payments were late and that these Fraudulent accounts and Fraudulent inquiries are mine.

If proof can't be provided I demand these payment accounts and inquiries be updated too on time as they should be as I was NEVER Late and the Fraudulent account and Fraudulent inquiries I am a victim of the data breach and would like all accounts mentioned to be blocked and deleted pursuant to 15 USC 1681c-2 ( a ).

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