vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX $ XXXX. XXXX XXXX XXXX experienced a significant data breach in XXXX XXXX XXXX XXXXXX/XX/year>, it was reported that hackers had stolen the personal information of about XXXX XXXX XXXX XXXX XXXX customers, including myself. The stolen data included names, phone numbers, physical addresses, Social Security numbers, and dates of births. 
I want these items deleted from my credit file. 

XXXX XXXX XXXX XXXX Blaze XXXX As an affected customer, I am deeply concerned about the potential misuse of my personal information, including my name, phone number, physical address, Social Security number, and date of birth. 

The exposure of such sensitive data put me at risk of identity theft, fraud, and other malicious activities. I am requesting the following actions to mitigate the potential impact of this breach : Credit Monitoring and Identity Theft Protection : I request that AT & T provide complimentary credit monitoring services and identity theft protection for a minimum of XXXX years. This should include regular credit reports, alerts for suspicious activity, and access to identity restoration services if needed. 
Assurance of Enhanced Security Measures : I would like a detailed explanation of the steps XXXX XXXX XXXX is taking to enhance its security measures to prevent future data breaches. This should include information on improved data encryption, access controls, and employee training. 
Compensation for Any Losses : In the event that I suffer any financial losses or damages as a result of this data breach, I request that XXXX XXXX XXXX provide fair compensation to cover these losses. This includes reimbursement for any expenses incurred due to the breach, such as costs associated with credit monitoring and legal fees. 

Please acknowledge receipt of this letter and provide a response outlining the steps XXXX XXXX XXXX will take to address my concerns. I trust that XXXX XXXX XXXX values its customers privacy and will take the necessary actions to resolve this matter promptly and satisfactorily. 

Thank you for your immediate attention to this serious issue. I look forward to your prompt response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
XXXX XXXX is trying to force to pay debit owed by my son I gave them my social security number and asked XXXX it match XXXX they said no they even gave me an email which belongs to my, the told on more than XXXX occasion to file identity theft against my son my son used his social he did not commit identity theft I asked them to send me a copy of the contract by mail and they sent me an email that can only be opened with a link I asked them for the link and they refused to give me one I asked them to mail me a hard copy starting back in XXXX of this year I've contacted them several times to email me a hard copy I've yet to receive XXXX. I contacted the collection agency in which use to let them know this is my sons debit and not mine ( Transworld Systems Inc. ) I told them the social security does not match but they've informed me on more than XXXX occasion that the number is the same I asked to them send me a copy of the contract or information they received from XXXX show the social security number and they refused to. XXXX  shows Transworld and XXXX are notorious at sending collections to people. I've never been a XXXX XXXX customer and they them selves have confirmed this

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: CT

Complaint narrative:
Midland credit is trying to collect debt that is either too old to collect or does not exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-27 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: TX

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the charge-off entries on my credit report associated with the account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information that is inaccurate, incomplete and indicates not my account. 

I have received a 1099-C form from the creditor, indicating that the debt related to this account has been canceled and reported as income to the IRS. As such, the debt is no longer valid, and the continued reporting of this charge-off is misleading and inaccurate. Resulting in my rights to be violated that are protected by the FCRA laws. I request that the charge-off entries be removed from my credit report to reflect the cancellation of the debt immediately. 

I appreciate your prompt attention to this issue Thank you for your assistance. 

Sincerely,

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 2024-07-27 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: TX

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the charge-off entries on my credit report associated with the account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information that is inaccurate, incomplete and indicates not my account. 

I have received a 1099-C form from the creditor, indicating that the debt related to this account has been canceled and reported as income to the IRS. As such, the debt is no longer valid, and the continued reporting of this charge-off is misleading and inaccurate. Resulting in my rights to be violated that are protected by the FCRA laws. I request that the charge-off entries be removed from my credit report to reflect the cancellation of the debt immediately. 

I appreciate your prompt attention to this issue Thank you for your assistance. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Incorrect Information ( FCRA Section 605C ) To Whom It May Concern, I am writing to formally dispute the below listed accounts on my credit report, as I am a victim of human trafficking. This letter serves as my self-attestation regarding the accounts caused by my victimization listed below, in accordance with the provisions under Section 605C of the Fair Credit Reporting Act ( FCRA ), which pertains to victims of trafficking, and request deletion of the following accounts : Chapter XXXX bankruptcy discharged Reference Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX Original Balance {$430.00} XXXX XXXX XXXX Account Number XXXX Original Balance {$36000.00} XXXX XXXX XXXX Account Number XXXX GRAIN XXXX XXXX Balance : {$950.00} Account Number XXXX XXXX XXXX XXXX  Account Number : XXXX Credit Limit : {$100.00} XXXX XXXX XXXX Balance XXXX {$950.00} Account Number XXXX XXXX XXXX XXXXXXXX Balance : {$250.00} As a victim of human trafficking, I was coerced into financial activities that resulted in the negative marks on my credit report. These activities were beyond my control and were a direct result of my exploitation. Pursuant to Section 605C of the FCRA, I am entitled to have these inaccuracies corrected or removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc.
State: IL

Complaint narrative:
I recently reviewed my credit report and noticed there were fraudulent accounts that I did not open. These accounts are fraudulent, and they are negatively impacting my credit.

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 2024-07-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
PayPal permanently limited my account with the following message : " We're permanently limiting your account. 
You can no longer use PayPal as we've decided to permanently limit your account after a review. '' I called in on XX/XX/XXXX to ask why this happened. They would not tell me. I requested for my account to be deleted. They refused saying that my account has been limited. After complaints, they said that they would escalate and I would hear back in XXXX business days. I called back on XX/XX/XXXX and received the same responses. I've called back frequently since then, as recently as today. Calls end in the support agents hanging up after saying " there is no information I can provide to you. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TN

Complaint narrative:
XXXX ( only credit reporting agency to do so ) has published derogatory information on my credit report as a result of fraudulent collection attempts by Columbia Debt Recovery LLC, dba Genesis. 
The basis of the derogatory comments is a result of XXXX XXXX XXXX. 
On XX/XX/XXXX I signed a lease with a XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, TN. The lease specifically stated that utilities would be billed individually by unit and XXXX XXXX XXXX on attached lease, page XXXX of XXXX -item # XXXX. 
Upon noticing that my utility bill was escalating dramatically on a month-to-month basis ( example-gas increased for ~ $ XXXX to over $ XXXX ) I questioned management on why this was happening. 
After weeks of no response, residents received a notice via email ( attached ) that utilities would be " allocated '' across all residents, and this was now a term of the lease. This unilateral decision to alter voided the lease and also left it illusory. After not receiving any response from management questioning this move, and fearing other unilateral alterations, I choose to move out given the voided lease. 
XXXX then contracted with XXXX XXXX XXXX to attempt collection who began contacting me for unwarranted and illegitimate collection. On XX/XX/XXXX I requested all relevant lease documents ( including XXXX notice to tenants and unilateral modifications to the lease ) as well as all email correspondence between myself and XXXX management. I received no information and Columbia Debt Recovery efforts ceased. In XXXX of XXXX I noticed a significant drop ( from XXXX to XXXX ) in my credit score, driven by the derogatory remark posted by Columbia Debt XXXX XXXX XXXX site XXXX My dispute to XXXX was rejected. This is a result of inadequate research on the part of XXXX and lack of transparency by XXXX XXXX. I will also be filing a complaint against Columbia and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 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: TX

Complaint narrative:
I am writing to file a complaint against XXXX XXXX XXXX  and Credit Reporting Agencies ( CRAs ) XXXX, XXXX and TransUnion for violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, these entities have breached the following federal laws : 15 USC 1681b ( 2 ) : Unauthorized access to my credit report. 15 USC 1681s-2 : Furnishing inaccurate information and failing to correct and update information. 15 USC 1681b ( 3 ) : Improper use of consumer reports for adverse actions without proper notification. 15 USC 1681a ( d ) 2 ( A ) ( i ) : Consumer reports do not include information solely about transactions or experiences between the consumer and the person making the report. Late payments and utilizations are considered transactions and experiences and should be deleted. Additionally, charge-off accounts should be excluded from my consumer report pursuant to IRS rules and guidelines, as they are considered ordinary income and income is not reported on consumer reports. These violations have negatively impacted my creditworthiness and financial stability. I urge the CFPB to investigate these infractions and ensure compliance with federal laws to protect consumers like myself. Additionally, credit scoring models like XXXX and XXXX are proprietary tools and algorithms used by lenders to assess creditworthiness and determine credit terms, but they are not factors outlined in the consumer report or governed by federal consumer protection laws, which take precedence over individual bank guidelines. I rely on the CFPB to enforce federal consumer protection laws and regulations ensuring the credit reporting practices, including those used by lenders adhere to established guidelines and do not override the protections afforded to consumers under federal law. XXXX {$310.00}

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 non-monetary relief
Consumer complaint received 2024-07-27 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: TX

Complaint narrative:
I am writing to file a complaint against XXXX XXXX XXXX  and Credit Reporting Agencies ( CRAs ) XXXX, Equifax and XXXX for violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, these entities have breached the following federal laws : 15 USC 1681b ( 2 ) : Unauthorized access to my credit report. 15 USC 1681s-2 : Furnishing inaccurate information and failing to correct and update information. 15 USC 1681b ( 3 ) : Improper use of consumer reports for adverse actions without proper notification. 15 USC 1681a ( d ) 2 ( A ) ( i ) : Consumer reports do not include information solely about transactions or experiences between the consumer and the person making the report. Late payments and utilizations are considered transactions and experiences and should be deleted. Additionally, charge-off accounts should be excluded from my consumer report pursuant to IRS rules and guidelines, as they are considered ordinary income and income is not reported on consumer reports. These violations have negatively impacted my creditworthiness and financial stability. I urge the CFPB to investigate these infractions and ensure compliance with federal laws to protect consumers like myself. Additionally, credit scoring models like XXXX and XXXX are proprietary tools and algorithms used by lenders to assess creditworthiness and determine credit terms, but they are not factors outlined in the consumer report or governed by federal consumer protection laws, which take precedence over individual bank guidelines. I rely on the CFPB to enforce federal consumer protection laws and regulations ensuring the credit reporting practices, including those used by lenders adhere to established guidelines and do not override the protections afforded to consumers under federal law. XXXX {$310.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 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: TX

Complaint narrative:
I am writing to file a complaint against XXXX XXXX XXXX  and Credit Reporting Agencies ( CRAs ) Experian, XXXX and XXXX for violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, these entities have breached the following federal laws : 15 USC 1681b ( 2 ) : Unauthorized access to my credit report. 15 USC 1681s-2 : Furnishing inaccurate information and failing to correct and update information. 15 USC 1681b ( 3 ) : Improper use of consumer reports for adverse actions without proper notification. 15 USC 1681a ( d ) 2 ( A ) ( i ) : Consumer reports do not include information solely about transactions or experiences between the consumer and the person making the report. Late payments and utilizations are considered transactions and experiences and should be deleted. Additionally, charge-off accounts should be excluded from my consumer report pursuant to IRS rules and guidelines, as they are considered ordinary income and income is not reported on consumer reports. These violations have negatively impacted my creditworthiness and financial stability. I urge the CFPB to investigate these infractions and ensure compliance with federal laws to protect consumers like myself. Additionally, credit scoring models like XXXX and XXXX are proprietary tools and algorithms used by lenders to assess creditworthiness and determine credit terms, but they are not factors outlined in the consumer report or governed by federal consumer protection laws, which take precedence over individual bank guidelines. I rely on the CFPB to enforce federal consumer protection laws and regulations ensuring the credit reporting practices, including those used by lenders adhere to established guidelines and do not override the protections afforded to consumers under federal law. XXXX {$310.00}

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 explanation
Consumer complaint received 2024-07-27 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: TN

Complaint narrative:
XXXX has failed to remove account which company acknowledged appears due to identity theft. 
Equifax has failed to comply with the FCRA by responding to dispute within 30 days as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-27 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: Advance America, Cash Advance Centers, Inc.
State: TX

Complaint narrative:
Legal Basis for Dispute : " Re-aging '' a debt involves illegally resetting the date of first delinquency to make it appear as a new debt, thus extending its time on a credit report. This is prohibited under the FCRA, which mandates that negative information can only be reported for a certain period ( typically seven years from the date of first delinquency ). 

Right to Privacy and Confidentiality ( 15 U.S.C. 1681 Section 602 ( a ) ) : Under this section, I am entitled to privacy and confidentiality regarding my personal financial information. The actions of XXXX XXXX XXXX XXXX in reporting or handling my account may have violated these rights.

Unauthorized Disclosure ( 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) ) : This provision requires that a consumer reporting agency can not furnish a consumer report without my written instructions. If XXXX XXXX XXXX XXXX provided information about my account without my explicit consent, this would constitute a violation of my rights under the FCRA. 

Reporting of Obsolete Information ( 15 U.S.C. 1681c ( a ) ( 5 ) ) : The FCRA prohibits consumer reporting agencies from including adverse information that is more than seven years old ( except for criminal convictions ). If any outdated or obsolete information has been reported, it should be removed immediately. 

Duty to Provide Accurate Information ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ) : XXXX XXXX XXXX XXXX is prohibited from furnishing information to consumer reporting agencies that they know or reasonably should know is inaccurate. Any inaccuracies in the reported information must be corrected promptly.

Company response to consumer: Closed with explanation