vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-18 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: GA

Complaint narrative:
This debt collector engaged, unfair and deceptive practices of FDCPA which it prohibits. They furnished this account that we didn't agree upon and didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper Five step validation procedure which makes these unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly, they violated my rights I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made/initiated. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. Listed items under XXXX, XXXX, Experian Item A copy of the police report outlining the identity theft, listing the inaccurate accounts. section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter. And thank you ( ITEM 1 ) Collection Agency XXXX XXXX XXXX Original Creditor Name XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Creditor Classification XXXX Last Payment Date of First Delinquency XX/XX/XXXX Original Creditor Name XXXX  XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$1400.00} Amount {$1400.00} Status Date XX/XX/XXXX Status UNPAID ( ITEM 2 ) Collection Agency XXXX XXXX XXXX Original Creditor Name THE XXXX XXXX XXXX Date Assigned XX/XX/XXXX, Original Amount Owed {$1100.00} Amount {$1100.00} Status Date XX/XX/XXXX, Status UNPAID Balance Date XX/XX/XXXX, Account Designator Code INDIVIDUAL_ACCOUNT Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Creditor Classification XXXX Last Payment Date of First Delinquency XX/XX/XXXX ( ITEM 3 ) COLLECTION AGENCY XXXX XXXX  ORIGINAL AMOUNT OWED {$4100.00} OPEN XXXX XXXX XXXX XXXX  ACCOUNT 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 2024-12-18 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: IL

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the silence engelhardt. V Gravens ( mo ) 281 SW715.719 presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove these accounts before i seek litigation for defamation of character ) XXXX  balance {$0.00}, XXXX XXXX balance {$390.00}.

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 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am writing to dispute a few errors on my credit report which I obtained XX/XX/year> and I need help getting them removed because they are not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
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 2024-12-18 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: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
I have a collection on my credit report and they got my identity for the amount {$860.00}.

I have 2 student loans they got with my information my name and Social Security. 

Dept. of Education student loans for the amounts : XXXX ) {$3000.00} XXXX ) {$1700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I'm concerned about an unfamiliar inquiry on my credit report. I didn't authorize or consent to this company accessing my information, I'm trying to understand how and why this happened and it's causing me a lot of stress and 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 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: TX

Complaint narrative:
I have not had my account updated since XX/XX/year>. My account was discharged in XXXX which it has been over 90 days. I was told by Mohela my account would be reported XXXX XX/XX/year>. It will show {$0.00} balance on all XXXX reports. It still shows I owe $ XXXX on my reports which is not fair credit reporting

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
EDD owes me money, and since XXXX  XXXX XXXX no longer works with EDD, Ive encountered nothing but issues with Money Network. Despite multiple calls with my lawyer, they continue to refuse to send me a card with my funds on it. I first called on XX/XX/year>, using the phone numbers provided by the XXXX XXXX XXXX XXXX XXXX XXXXXXXX. After no resolution, I called again several times before we called together on XX/XX/year>. Despite our efforts, Money Network still has not sent me the card. 

During these calls, the representative was rude, refused to provide his name, and kept repeatedly saying, " You are warned that this conversation is being recorded. '' Additionally, he insisted that I provide the exact amount on my card, which was impossible to do since I hadn't received it. Later, after me and my lawyer provided the amount, it still wasnt enough, and the phrase " You are warned that this conversation is being recorded '' was repeated over and over. It was as if the representative was deliberately using this tactic to psychologically wear us down and make us give up. 

To make matters worse, when we called the special number for customers who had NOT received their Money Network card, the agent asked me to confirm the exact amount on my cardsomething I obviously could not do. This was a completely unreasonable request, as the very reason we were calling was because I hadnt received the card yet.

Even after providing my social security number and address, I still have not received the card. I feel like Money Network is running a shady operation, collecting peoples personal data without accountability. This entire process has been frustrating and distressing. My lawyer and I have been subjected to psychological manipulation, clearly aimed at breaking our resolve. The unprofessionalism and deliberate mistreatment throughout this experience have been torturous and completely unacceptable.

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 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I am writing this letter in response to the phone call/letter received from you on ( Date ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you.

Please provide me with the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed or disputed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 


Thanking you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: CA

Complaint narrative:
Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : XXXX XXXX XXXX XXXXXXXX I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.

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 2024-12-18 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: GA

Complaint narrative:
This debt collector engaged, unfair and deceptive practices of FDCPA which it prohibits. They furnished this account that we didn't agree upon and didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper Five step validation procedure which makes these unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly, they violated my rights I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made/initiated. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. Listed items under Equifax, XXXX, XXXX Item A copy of the police report outlining the identity theft, listing the inaccurate accounts. section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter. And thank you ( ITEM 1 ) Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: NC

Complaint narrative:
XXXX XXXX  has tried to obtain a DEBT collection attempt on XX/XX/XXXX, XXXX the amount was in the excess of {$62000.00}. However, I asked XXXX XXXX in a Correspondence ( attached ) dated the same day to sign a Creditor Disclosure Statement ( never received ). Prior to this complaint, I sent it on multiple occasions. No response.

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 2024-12-18 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: NC

Complaint narrative:
XXXX XXXX  has tried to obtain a DEBT collection attempt on XX/XX/XXXX, XXXX the amount was in the excess of {$62000.00}. However, I asked XXXX XXXX in a Correspondence ( attached ) dated the same day to sign a Creditor Disclosure Statement ( never received ). Prior to this complaint, I sent it on multiple occasions. No response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 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: NC

Complaint narrative:
XXXX XXXX  has tried to obtain a DEBT collection attempt on XX/XX/XXXX, XXXX the amount was in the excess of {$62000.00}. However, I asked XXXX XXXX in a Correspondence ( attached ) dated the same day to sign a Creditor Disclosure Statement ( never received ). Prior to this complaint, I sent it on multiple occasions. No response.

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 2024-12-18 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX  : // XXXX All Acccounts Have Violated My Rights 15 U.S.C. 1681 section 602 A. States : I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2. States : A Consumer Reporting Agent can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) States : No Consumer Reporting Agent may make any Consumer Report containing any of the following items of records of information, any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681's-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information ins 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 explanation
Consumer complaint received 2024-12-18 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: IN

Complaint narrative:
I'm concerned about an unfamiliar inquiry on my credit report. I didn't authorize or consent to this company accessing my information, I'm trying to understand how and why this happened and it's causing me a lot of stress and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: NV

Complaint narrative:
unfair, deceptive, and abusive practices and other legal violations by taking action against companies and individuals that break federal consumer financial laws. 
Western Union broke the law by failing to protect consumers sending money abroad.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: AZ

Complaint narrative:
Dear XXXX XXXX I hope this message finds you well. I am reaching out to you as a last resort to seek urgent assistance with my auto loan, which is now 50 days delinquent. Due to unforeseen circumstances, I find myself in a dire financial situation and am struggling to keep up with my loan payments. I was laid off from my position at XXXX on XX/XX/year>, and despite my best efforts to find alternative work, including applying for grocery store jobs and attending job interviews, I have not yet secured a new role. 

To make matters worse, my unemployment benefits have not yet been approved, leaving me with only {$27.00} to my name. Ive had to use my pension to cover essential expenses like rent, utilities, and food for my children. Despite keeping Santander informed about my hardship and the challenges Im facing, I have only received threatening letters and text messages from your team, which are only adding to my stress and anxiety during this already difficult time. 

I am sincerely asking for your assistance to help me keep my vehicle, as I need it to attend job interviews and, once employed, commute to work. The current XXXX XXXX monthly payment is simply unaffordable given my situation, and I am requesting that the past three months be pushed to the end of the loan. Additionally, I would like to request a reduction in the interest rate, as I no longer have the income I had when I signed the loan agreement.

If a reduction in the payment isnt possible, I would be willing to consider trading in my vehicle for one with a lower monthly payment, as long as I am not required to put down additional money, which I simply can not afford at this time. 

I am committed to paying down the loan, and once I am approved for unemployment benefits, I will be able to make payments of {$50.00} to {$150.00} per week toward the balance. My primary goal is to keep my vehicle, support my children, and get back on my feet financially. I hope you will consider my request and assist me during this challenging time. 

Thank you for your time and consideration. I look forward to hearing from you and hope that we can work together to find a solution that allows me to keep my vehicle and continue working toward my financial recovery. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: SC

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

Company response to consumer: Closed with non-monetary relief