vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
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 2024-04-22 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: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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.

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 2024-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Tally Technologies
State: GA

Complaint narrative:
Tally your reporting adverse account information to credit bureaus regarding my account with you is considered extortion. YOU ARE IN VIOLATION OF XXXX XXXX Code XXXX - Collection of extensions of credit by extortionate means. TALLY you reporting adverse account information to credit bureaus regarding my account is perceived to be a threat to force me to repay my debt and to punish me for the nonrepayment of my debt by way of the negative reporting to the credit bureaus which in terms directly negatively impacts my creditworthiness and financial reputation. The adverse account information you are reporting to credit bureaus regarding my account with you has lowered my credit score and made it impossible to obtain credit. It's essential you remove the adverse account information youre reporting to the credit bureaus regarding my account with you in relief OF 18 U.S. Code 894. FURTHERMORE, ANY VIOLATOR OF 18 U.S. Code 894 shall be fined under this title or imprisoned not more than 20 years, or both. I implore you to work with me in resolving this matter expeditiously. Thank you in advance!

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 2024-04-22 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: CT

Complaint narrative:
I am writing to formally dispute the negative credit account listed on my credit report by your institution, which pertains to an alleged credit card debt opened in my name with XXXX XXXX XXXX. The account in question has an account number of XXXX and a balance of {$10000.00}. This account was reported as opened on XX/XX/year>. 

I must stress that this account is fraudulent and is not associated with any legitimate financial transaction or contractual agreement entered into by me. As a victim of identity theft, I have taken all necessary steps to address this issue, including filing a police report and submitting a report to the Federal Trade Commission ( FTC ). 

The address associated with this account does not match my records, further indicating fraudulent activity. This discrepancy serves as additional evidence that I am not responsible for this debt. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to request validation of this debt and demand that it be removed from my credit report if it can not be substantiated as legitimate. Specifically, FCRA Sections 609 ( a ) ( 1 ) and 611 ( a ) ( 1 ) ( A ) require you to verify the accuracy of the debt and the ownership of the account. If you can not verify ownership of the account, it must be deleted from my credit report. 

I request that Experian, XXXX XXXX XXXX provide me with detailed documentation verifying the validity of this debt and confirming my responsibility for it. If you are unable to provide such verification, I insist that you remove this fraudulent account from my credit report immediately. 

Failure to comply with this request within the timeframe specified by law will leave me with no choice but to take further legal action. This may include filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and contacting the Attorney General 's office to report your institution 's non-compliance with federal regulations. Additionally, I reserve the right to pursue civil remedies available to me under the FCRA. 

I expect a prompt response to this matter within [ insert timeframe as per your jurisdiction 's laws, typically 30 days ]. Please direct all correspondence regarding this issue to the address provided above. 

Thank you for your immediate attention to this matter. I trust that you will handle this dispute with the seriousness and urgency it warrants.

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 2024-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
I was contacted by The CBE Group XXXX Inc. stating that they're collecting a debt owed to XXXX XXXX XXXX. with a debt of {$1600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-04-22 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: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 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: CO

Complaint narrative:
Subject : Urgent Request for Investigation and Deletion of Incorrect Charge-Off XXXX XXXX ACCOUNT ENDING XXXX I am contacting you to formally challenge and seek immediate investigation and removal of incorrect charge-off entries made by a third-party collection agency on my credit report. These entries have severely impacted my financial standing, hindering my ability to secure a home mortgage, an auto loan, and additional credit facilities. 
I wish to highlight that I have no contractual ties with this collection agency. Their actions of reporting my credit information without any contractual basis are unjustified and breach multiple legal norms concerning credit reporting and consumer privacy : 1. **Unauthorized Reporting** : The reported charge-offs, which suggest debts I do not recognize, have been documented on my credit report without my agreement, violating established principles of lawful credit reporting, also referred to as certificates of indebtedness. 
2. **Absence of Form 1099-C** : I was not provided with Form 1099-C for debt cancellation by the agency, which is essential for accurate tax reporting and compliance with IRS requirements. This omission could lead to potential risks of tax non-compliance.

3. **Infringement of Privacy Rights** : This action violates the Privacy Act of 1974 ( 5 U.S. Code 552a ), which ensures stringent safeguards against the unauthorized release of personal information. 
4. **Lack of Contractual Agreement** : There is no formal contract between myself and the agency, thus their reporting of my credit information directly infringes on my consumer rights.

5. **Exercising Opt-Out Rights** : In accordance with regulations under 12 CFR 1016.1, 12 CFR 1016.4, 12 CFR 1016.7, 15 USC 6802 ( b ), and 15 USC 6805, I am formally revoking any implied permissions for the dissemination or reporting of my credit information. 
Given these concerns, I urgently request a review and elimination of these incorrect records from my credit report, and I ask for a written confirmation of this deletion. Please note that I am prepared to take further actions, including legal recourse, to rectify my credit report and protect my rights. 
Thank you for your immediate attention to this matter, and I look forward to your prompt response and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 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: CO

Complaint narrative:
Subject : Urgent Request for Investigation and Deletion of Incorrect Charge-Off XXXX XXXX  ACCOUNT ENDING XXXX I am contacting you to formally challenge and seek immediate investigation and removal of incorrect charge-off entries made by a third-party collection agency on my credit report. These entries have severely impacted my financial standing, hindering my ability to secure a home mortgage, an auto loan, and additional credit facilities. 
I wish to highlight that I have no contractual ties with this collection agency. Their actions of reporting my credit information without any contractual basis are unjustified and breach multiple legal norms concerning credit reporting and consumer privacy : 1. **Unauthorized Reporting** : The reported charge-offs, which suggest debts I do not recognize, have been documented on my credit report without my agreement, violating established principles of lawful credit reporting, also referred to as certificates of indebtedness.

2. **Absence of Form 1099-C** : I was not provided with Form 1099-C for debt cancellation by the agency, which is essential for accurate tax reporting and compliance with IRS requirements. This omission could lead to potential risks of tax non-compliance.

3. **Infringement of Privacy Rights** : This action violates the Privacy Act of 1974 ( 5 U.S. Code 552a ), which ensures stringent safeguards against the unauthorized release of personal information.

4. **Lack of Contractual Agreement** : There is no formal contract between myself and the agency, thus their reporting of my credit information directly infringes on my consumer rights.

5. **Exercising Opt-Out Rights** : In accordance with regulations under 12 CFR 1016.1, 12 CFR 1016.4, 12 CFR 1016.7, 15 USC 6802 ( b ), and 15 USC 6805, I am formally revoking any implied permissions for the dissemination or reporting of my credit information. 
Given these concerns, I urgently request a review and elimination of these incorrect records from my credit report, and I ask for a written confirmation of this deletion. Please note that I am prepared to take further actions, including legal recourse, to rectify my credit report and protect my rights. 
Thank you for your immediate attention to this matter, and I look forward to your prompt response and resolution.

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 2024-04-22 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: NJ

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX 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 non-monetary relief
Consumer complaint received 2024-04-22 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: Ability Recovery Services, LLC
State: GA

Complaint narrative:
dispute an inaccurately reported collection account on my credit report. Upon reviewing my credit report, I found that there is a collection account reported by XXXX XXXX XXXX for the original creditor XXXXXXXX XXXX XXXX ( Account Number : XXXX ) that is inaccurately reporting an open and past due amount. This account is negatively impacting my good name, character, and ability to qualify for new credit, and I believe it is in violation of the Fair Credit Reporting Act. 
Details of the Inaccurately Reported Account : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, Ca XXXX XXXX Original Creditor : XXXX XXXX XXXX Account Number : XXXX Inaccuracy : The reported open and past due amount is inaccurate as of XX/XX/year> I request that you investigate this matter promptly and delete this inaccurate information from my credit report in accordance with the Fair Credit Reporting Act. Additionally, I believe that the furnisher of this information, XXXX XXXX XXXX, is an unreliable source. 
Enclosed are copies of relevant documents supporting my dispute, including a statement from XXXX XXXX XXXX confirming that the account has been settled and is not open or past due. 
Thank you for your immediate attention to this matter. Please provide me with written confirmation once the investigation is complete and the necessary corrections have been made to my credit report. 

15 U.S.C 1681 section 602 A. states I have the right to privacy 15 U.S.C 1681 section 602 A. 2 also states a consumer reporting agency can not furnish a account without my written instruction 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Sincerely, 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 2024-04-22 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: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
dispute an inaccurately reported collection account on my credit report. Upon reviewing my credit report, I found that there is a collection account reported by Transworld Systems Inc. for the original creditor XXXX XXXXXXXX XXXX ( Account Number : XXXX ) that is inaccurately reporting an open and past due amount. This account is negatively impacting my good name, character, and ability to qualify for new credit, and I believe it is in violation of the Fair Credit Reporting Act. 
Details of the Inaccurately Reported Account : Transworld Systems IncXXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, Ca XXXX XXXX Original Creditor : XXXX XXXX XXXX Account Number : XXXX Inaccuracy : The reported open and past due amount is inaccurate as of XX/XX/22 I request that you investigate this matter promptly and delete this inaccurate information from my credit report in accordance with the Fair Credit Reporting Act. Additionally, I believe that the furnisher of this information, Transworld Systems Inc., is an unreliable source. 
Enclosed are copies of relevant documents supporting my dispute, including a statement from XXXX XXXX XXXX confirming that the account has been settled and is not open or past due. 
Thank you for your immediate attention to this matter. Please provide me with written confirmation once the investigation is complete and the necessary corrections have been made to my credit report. 

15 U.S.C 1681 section 602 A. states I have the right to privacy 15 U.S.C 1681 section 602 A. 2 also states a consumer reporting agency can not furnish a account without my written instruction 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 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: CT

Complaint narrative:
I am writing to formally dispute the negative credit account listed on my credit report by your institution, which pertains to an alleged credit card debt opened in my name with XXXX XXXX XXXX. The account in question has an account number of XXXX and a balance of {$10000.00}. This account was reported as opened on XX/XX/2022. 

I must stress that this account is fraudulent and is not associated with any legitimate financial transaction or contractual agreement entered into by me. As a victim of identity theft, I have taken all necessary steps to address this issue, including filing a police report and submitting a report to the Federal Trade Commission ( FTC ). 

The address associated with this account does not match my records, further indicating fraudulent activity. This discrepancy serves as additional evidence that I am not responsible for this debt. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to request validation of this debt and demand that it be removed from my credit report if it can not be substantiated as legitimate. Specifically, FCRA Sections 609 ( a ) ( 1 ) and 611 ( a ) ( 1 ) ( A ) require you to verify the accuracy of the debt and the ownership of the account. If you can not verify ownership of the account, it must be deleted from my credit report. 

I request that XXXX, TransUnion XXXX XXXX provide me with detailed documentation verifying the validity of this debt and confirming my responsibility for it. If you are unable to provide such verification, I insist that you remove this fraudulent account from my credit report immediately. 

Failure to comply with this request within the timeframe specified by law will leave me with no choice but to take further legal action. This may include filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and contacting the Attorney General 's office to report your institution 's non-compliance with federal regulations. Additionally, I reserve the right to pursue civil remedies available to me under the FCRA. 

I expect a prompt response to this matter within [ insert timeframe as per your jurisdiction 's laws, typically 30 days ]. Please direct all correspondence regarding this issue to the address provided above. 

Thank you for your immediate attention to this matter. I trust that you will handle this dispute with the seriousness and urgency it warrants.

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