vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
Midland Credit Management LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX Debt Validation Request To whom this may concern, I am writing in response to a debt collection notice I received from your agency regarding the alleged debt you contacted me by email, and identified the debt as XXXX in the amount of {$610.00}. Before I proceed with any further actions, I would like necessary information to be provided to validate the accuracy of this debt. 

As you are aware, according to the Fair Credit Reporting Act 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify within 30 days. Please provide and respond to the requested information below : -Document proving ownership of the debt -Proof of how the company assess the debt and current balance ( Are there any additional interest, fees or charges that may have been added since the last billing statement from the original creditor ) -Payment history from the original creditor & the final payment made on the account -Copy of the original contract bearing my signature of agreement -Chain of title on the debt -Bill of Sale -Have you determined that the debt is within the statute of limitations applicable to it? Please provide the statute of limitations expiration date for this debt. 

Please also provide proof that Midland Credit Management has the right to collect this debt within the state of Washington, I would also like proof of your current insurance bond. 

I am entitled to all information listed above and I request that you cease all collection activities until the debts validity has been verified and the requested information has been provided. 
Please be sure to forward all correspondence and documentation to the address provided above. 
Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to express serious concerns about several issues I have encountered with the credit bureau. These include false account listings, numerous unauthorized inquiries, inaccurate credit reporting, inconsistent billing, and accounts that do not belong to me. 

I kindly request your assistance in resolving these issues to safeguard my financial well-being. Please thoroughly investigate my case and advise me on the appropriate next steps.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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: TX

Complaint narrative:
I recently reviewed my credit report and noticed inaccurate and unauthorized account information relating to identity theft.

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 2024-11-24 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:
By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered because of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( i ) ( b ) [ 15 U.S.C 1681n ]. Should you fail or refuse to settle the demand, I will seek actual damages which are greater than {$1000.00}. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports. I will consult with my legal counsel for suit. This includes listings of information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.

E STOPPEL PARAPHRASE : I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX XXXX I XXXX PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT EXIST

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 2024-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
The company is in violation of my consumer rights as outlined under the FCRA. According to the FCRA, all information on a consumer credit report must be 100 % accurate and verifiable. The company has included fraudulent, inaccurate accounts on my consumer credit file making the min violation of the law. I am a victim of identity theft and have no knowledge of these accounts. I have reported this incident to the FTC and included a copy of the report with this complaint.

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 2024-11-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
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 2024-11-25 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Debt Validation Request To whom this may concern, I am writing in response to a debt collection notice I received from your agency regarding the alleged debt you contacted me by email, and identified the debt as XXXX in the amount of {$590.00}. Before I proceed with any further actions, I would like necessary information to be provided to validate the accuracy of this debt. 

As you are aware, according to the Fair Credit Reporting Act 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify within 30 days. Please provide and respond to the requested information below : -Document proving ownership of the debt -Proof of how the company assess the debt and current balance ( Are there any additional interest, fees or charges that may have been added since the last billing statement from the original creditor ) -Payment history from the original creditor & the final payment made on the account -Copy of the original contract bearing my signature of agreement -Chain of title on the debt -Bill of Sale -Have you determined that the debt is within the statute of limitations applicable to it? Please provide the statute of limitations expiration date for this debt.

Please also provide proof that Genesis Credit Management LLC has the right to collect this debt within the state of Washington, I would also like proof of your current insurance bond. 

I am entitled to all information listed above and I request that you cease all collection activities until the debts validity has been verified and the requested information has been provided. 
Please be sure to forward all correspondence and documentation to the address provided above. 
Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XX/XX/XXXXXXXX  - Requested credit report from Equifax via XXXX, but received an error message XX/XX/XXXXXXXX  - Contacted Equifax directly for my credit report and received snail mail notification that they can not locate my credit file XX/XX/XXXXXXXX  - Requested credit report from Equifax, credit report was not given and an error message was given

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Credit Acceptance, LLC
State: PA

Complaint narrative:
This all alone was opened up, connected to identity theft I personally did not open up the auto loan

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In XXXX, XXXX me and my wife did a COVID surrender of our XXXX XXXX XXXX XXXX. It was financed with XXXX XXXX XXXX. This was due to a loss of income. XXXX sold the vehicle and turned the account over to collections with XXXX XXXX XXXX XXXX We settled this collection on XXXX XXXX, XXXX. I sent a letter to the credit reporting agency with this information. I requested that the XXXX account reporting get up dated from charged-off to settled in the comments. They refused. I have been trying to have this corrected for two years, This is unacceptable. XXXX XXXX XXXX XXXX was removed but XXXX was not updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: TX

Complaint narrative:
I have requested the removal of unauthorized credit inquiry/inquiries on my credit report from all three credit bureaus and upon checking, my latest credit report STILL shows inquiries that I did not authorize. 
I am writing to dispute the following inquiries and ask for their removal from 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 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 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 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 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

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 2024-11-25 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on 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 non-monetary relief
Consumer complaint received 2024-11-25 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 would like these account to be remove so my credit report can report accurately ACCOUNTS 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 I am writing to have the following information removed from my credit file, the items that i need deleted are going to be attached in the files below. I am a victim of identity theft. I have multiple accounts and inquires that i did not apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identify to the federal Trade commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. please block this information from my credit report, pursuant to section 605B 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 non-monetary relief
Consumer complaint received 2024-11-25 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-11-25 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-11-25 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: LA

Complaint narrative:
After reviewing my credit report, I have discovered items that I do not recognize or applied for. Upon further investigation, I realized my personal information was exposed in serval data breaches as well. I have no recollection of applying for any of the accounts in question. Pre section 15 USC 1681 C-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days.

These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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: LA

Complaint narrative:
After reviewing my credit report, I have discovered items that I do not recognize or applied for. Upon further investigation, I realized my personal information was exposed in serval data breaches as well. I have no recollection of applying for any of the accounts in question. Pre section 15 USC 1681 C-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days. 



These fraudulent accounts are not only damaging my credit but also causing me significant stress and XXXX. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.

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