vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
When reviewing my credit report, I found several accounts listed in my name that do not belong to me. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. The items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I have contacted the Federal Trade Commission and filed a police report. I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financially liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance, your agency has yet to respond to my questions and statements of the Law.

AFFIDAVITS OF LAW 1. Are you the original creditor
?

2. Have you given the debtor the opportunity to review the original contract?

3. Have you validated the home address for the debtor?

4. Have you complied with all FRCA, FDCP and FDCPA laws?

5. Have you reported to the consumer who has reviewed the original contract information with his/her original signature?

6. Have you provided the names of all creditors that have provided the names and addresses of the person who has reviewed consumer relations? 

Accounts : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX If the above has not been completed, please Delete these accounts and hard inquiries from my credit report and stop all contact with me. Under the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me regarding the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your company management. I also have the right to file suit against you for any future violations of this law. 

I have filed an FTC Report and attached a Police report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TransferWise Ltd
State: NY

Complaint narrative:
I am writing to report a serious issue regarding my account on the Wise platform. My account was hacked by an unknown individual, resulting in the unauthorized transfer of over {$2300.00} from my account. Despite my immediate compliance with Wises procedures, including filing a police report, I am deeply concerned about Wises lack of proactivity in tracking the stolen funds.

I would like Wise to clarify whether my funds have been fully transferred out of the Wise system or if they remain within the scammers Wise account. If the funds are still within Wise, I request that they freeze the scammer 's account immediately to prevent further transfers. 

In the event that the funds have already been transferred out, I urge Wise to collaborate with the receiving bank to freeze the transaction and initiate an investigation. Given that Wise has the capability to track the destination of the funds, I believe they should file a claim with the receiving bank without delay to prevent the completion of the fraudulent transfer. 

Your thorough investigation and intervention in this matter are crucial to recovering my funds and preventing future fraudulent activities. 

Thank you for your attention to this urgent issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
When reviewing my credit report, I found several accounts listed in my name that do not belong to me. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. The items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I have contacted the Federal Trade Commission and filed a police report. I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financially liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance, your agency has yet to respond to my questions and statements of the Law.

AFFIDAVITS OF LAW 1. Are you the original creditor?

2. Have you given the debtor the opportunity to review the original contract?

3. Have you validated the home address for the debtor?

4. Have you complied with all FRCA, FDCP and FDCPA laws?

5. Have you reported to the consumer who has reviewed the original contract information with his/her original signature?

6. Have you provided the names of all creditors that have provided the names and addresses of the person who has reviewed consumer relations? 

Accounts : XXXX XXXX XXXX and XXXX XXXX XXXXXXXX If the above has not been completed, please Delete these accounts and hard inquiries from my credit report and stop all contact with me. Under the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me regarding the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your company management. I also have the right to file suit against you for any future violations of this law. 

I have filed an FTC Report and attached a Police report.

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 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
XXXX remains in violation of code XXXX XXXX XXXX ( a ), which states a consumer reporting agency shall block the reporting of all information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft NO LATER THAN XXXX BUSINESS DAYS AFTER THE RECEIPT. 

XXXX refuses to comply with the law, in which they didn't delete all listed fraudulent accounts no later than XXXX days, but instead simply updated each account with remark codes- reinvestigation in progress. THIS IS UNACCEPTABLE. 

PLEASE NOTE : A REINVESTIGATION IS NOT THE REMEDY TO IDENTITY FRAUD, DELETION IS. XXXX consistently violates my rights as a consumer and is operating in violation of XXXX XXXX. 

Furthermore, TRANSUNION complied with all legal requests and deleted the fraud accounts listed, but still have not deleted the listed fraudulent Inquiries. 
XXXX refuses to delete anything, and XXXX is in alignment with XXXX on not deleting accounts & Inquiries.

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 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
XXXX remains in violation of code XXXX XXXX XXXX XXXX XXXX XXXX, which states a consumer reporting agency shall block the reporting of all information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft NO LATER THAN XXXX BUSINESS DAYS AFTER THE RECEIPT. 

XXXX refuses to comply with the law, in which they didn't delete all listed fraudulent accounts no later than XXXX days, but instead simply updated each account with remark codes- reinvestigation in progress. THIS IS UNACCEPTABLE. 

PLEASE NOTE : A REINVESTIGATION IS NOT THE REMEDY TO IDENTITY FRAUD, DELETION IS. XXXX consistently violates my rights as a consumer and is operating in violation of XXXX XXXX. 

Furthermore, XXXX complied with all legal requests and deleted the fraud accounts listed, but still have not deleted the listed fraudulent Inquiries. 
XXXX refuses to delete anything, and Experian is in alignment with XXXX on not deleting accounts & Inquiries.

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 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I requested that XXXX XXXX to provide me with Validation documentation. I never received the documents with my original signature. This is the XXXX time I have disputed this information with Experian and XXXX XXXX yet the debut keeps showing up. Both the credit agency and the debt collector are more than aware of what I requested. I have made this request through CFPB, XXXX XXXX, and Experian yet it is continuously places on my credit report and has never been validated. Im XXXX  of it. They have failed to comply with 15 USC 1692g of the Fair Debt Collection Act repeatedly. At this time both Experian and XXXX XXXX XXXX have only 4 days to respond. No. I will not give them XXXX day since this was addressed multiple times already.

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 2025-01-11 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: MO

Complaint narrative:
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

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 2025-01-11 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: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
My identity was stolen and used to open a XXXX account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: CO

Complaint narrative:
Please see attached Letters as the accounts listed on the letters are results of Data Breach

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 2025-01-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
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 t
he 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

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 2025-01-11 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:
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2300.00} Late/CloseXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$11000.00} Late/Closed Chapter XXXX Bankruptcy Reference # XXXX Date Filed/Reported XX/XX/XXXX Bankruptcy Inquiries in Dispute : XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Didn't provide services promised — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AZ

Complaint narrative:
Told me that the FHA payment supplement is jot available. When pressed that it is and must be enrolled by XX/XX/year>, I was told that yes Carrington is enrolling some, but its not available for me until after the deadline to enroll. 


Another in the long line of discrimination events against FHA borrowers who have needed assistance since COVID. As well as those who have a XXXX XXXXXXXX. We are easy targets they think.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP
State: TX

Complaint narrative:
Accounts have been paid in line with requirements by the creditor also some of the purchases were by ex-spouse and one was a fraudulent charge on my US Bank card.

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 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Accounts have been paid in line with requirements by the creditor also some of the purchases were by ex-spouse and one was a fraudulent charge on my XXXX  XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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