vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Bankruptcy 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 2024-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report.

I am formally requesting the blocking and deletion of these accounts.

It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : 1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX Account Number : XXXX Please remove it from my credit report. 

4. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

5. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

6. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

7. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX Account Number : XXXXXXXX Please remove it from my credit report. 

8. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX Account Number : XXXX 9. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC
State: NY

Complaint narrative:
I was reviewing my credit report. I was alerted to a collection report for XXXX XXXX. I do not know this debt and it also exceeds statue of limitations for XXXX as XXXX went out of business in 2020. This is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-03-11 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: MO

Complaint narrative:
My whole  equifax consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : 1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 

2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 

3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 

4. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 

5. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

6. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Copy of agreement with my wet signature saying i agree for them collect on this debt!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: PA

Complaint narrative:
From the Desk of XXXX XXXX Consumer Financial Protection Bureau XX/XX/year> Dear Consumer Financial Protection Bureau, Per the FCRA, As a Federal Protected consumer, I am NOW OPT- OUT of ANY AND ALL authorization ; I the consumer may have given you written or unwritten, verbal and non- verbal Per 15 USC 6802. 



Regards, XXXX XXXX XXXX XXXX : BENEFICIARY

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 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX aka XXXX aka XXXX, XXXXXXXX XXXX XXXX XXXX has been asked countless times that, XXXX XXXX XXXX, signed a contract to payback debts and have recieved no such documents. Now they have sent a law firm, as a scare tactic, to get the debt paid. This is harrassment, first and foremost, worse yet, it's on a disable person. Secondly, they don't have the right last name, my last name is XXXX, not XXXX and I can show the proof, unlike them. I have disputed these debts a number of times with Experien and lost. Now I have gotten two hassment letters from XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX. I had gotten letters last month from another law firm to scare me, I am tired of the harrassment. It's time for you guys to deal with them.

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 2024-03-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
I requested that XXXX terminate authority. For some reason, the billing representative said that the account was charged off. It is not charged off so I am not sure I the representative kept confirming this. I need for the collection accounts to be removed from XXXX, XXXX and XXXX. I never had any communication with this company any dispute that it has authority to act as a first-party when I the account is paid for. I need for the company to desist any collection activity related to my telecommunication account with a different company and negatively impacting my personal credit report. I will not hesitate to bring legal action for Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act and Defamation of Character.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently receive my credit report and I found inaccuracies with my personal information. I found many names I do not refer as. This is hurting my creditability and my ability to obtain credit and buying a house.

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 2024-03-11 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: LA

Complaint narrative:
On XX/XX/year> i requested that Equifax remove the inquires off my credit report as of today XX/XX/year> i have not heard anything from this company

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
At first, I've got the bill charge from XXXX XXXX. I told them them it wasn't mine, they said they will dispute the bill and close the account. 

Today, I realize my credit score went down and it was from JEFFERSON CAPITAL SYSTEM, It was a corrector company, I called they said it was from XXXX XXXX  that claim the charge. The charge was {$5900.00} they told me to call XXXX to dispute. 

I called XXXX again, they said they can't do anything since the account was already closed and the representative advised to claim the dispute here.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: RI

Complaint narrative:
Jefferson Capital bought an old debt from XXXX from 2014 and opened an account within their office and then charged the debt off. The original debt had been charged off in 2014. The negative impact on my credit score triggered my bank to close my Home Equity Line of Credit. I am under the assumption that debt over 7 years old from the original creditor can not be reported as a new account, or even be reported on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: TX

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I urgently request the removal of these inquiries from my credit report as they do not belong to me, and I have no affiliation with the listed creditors.

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 2024-03-11 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: FL

Complaint narrative:
My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made by the company and is not a reflection of my payment experience which violates USC Code 1681eb.

This error has caused severe damages to my reputation, defamation of character, and my familt as well as my quality of living. 

I demand the late payment reported on XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022 to be removed. 


They are not in compliance with15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law.

- 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX Never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer.

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 2024-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Used obscene, profane, or other abusive language
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I am requesting Account Number XXXX to be removed immediatley because of the violations commited by Nartional credit Management in their communication attempts. National credit Managemnt is in violation of 15 US Code 1891s-2 ( 1 ) ( A ), 15 US Code 1692b ( 5 ), 15 US Code 1692b ( 2 ), 15 US Code 1692c ( a ), US Code 1692d ( 2 ) ( a ) and 15 US Code 1692c ( a ) ( 1 ). I ask for the immediate removal of the account off from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX, has violated my rights.

15 USC 1681 Section 602 States I have rights to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 and purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have rights to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 and purpose

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 2024-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: REGIONS FINANCIAL CORPORATION
State: MO

Complaint narrative:
On XX/XX/year>, I attempted to send a {$500.00} payment to a merchant on XXXX using my Regions Bank card. The transaction failed with a try again later message. I attempted to send the {$500.00} payment again and it went through. Later that day, I checked my Regions bank statement and noticed that I had two transactions pending for {$500.00} to the merchant I was paying. I assumed one of the transactions would fall off since XXXX gave me the error message stating that the transaction failed and couldnt be processed. Days went by and the second transaction never fell off, Regions Bank had approved both {$500.00} transactions and sent the money to XXXX twice. Ive been in touch with the merchant as they are a close friend of mine and they have said they only received my payment once and in fact, my XXXX transaction history only shows one outgoing payment to the merchant for {$500.00}. I have filed multiple claims with Regions bank stating that I did not authorize the payment to go through twice and have been declined the credit back to my account each time because Regions states that the transaction was authorized and that XXXX received the money twice. I have also filed claims with XXXX multiple times stating to them that Regions bank states that they sent XXXX and XXXX has received two separate transactions for {$500.00} each but XXXX has denied each of my claims stating that only one transaction was processed, the other failed to process and that they only received one payment for {$500.00}.

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 monetary relief