vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-26 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'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
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 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 2024-02-26 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: LA

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 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 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
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 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 non-monetary relief
Consumer complaint received 2024-02-26 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: TN

Complaint narrative:
This, Item was discharged and the Credit Bureaus do not properly verify the information according to 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A and 12 CFR 1006.34 ( b ) ( 5 )

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 2024-02-26 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: TN

Complaint narrative:
This, Item was discharged and the Credit Bureaus do not properly verify the information according to 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A and 12 CFR 1006.34 ( b ) ( 5 )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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: TN

Complaint narrative:
This, Item was discharged and the Credit Bureaus do not properly verify the information according to 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A and 12 CFR 1006.34 ( b ) ( 5 )

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 2024-02-26 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: MD

Complaint narrative:
Equifax sent me a basic letter but not explaning anything about the reinvestigation of my complaint regarding this account {$1800.00} XXXX on my consumer report. Equifax has refused over the phone and in writing the method of investigation that took place regarding this matter. This item was removed from my consumer report months ago but Equifax has decided to add the account back on my consumer report. I spoke with XXXX and I was told to send in my FTC report XXXX Photo ID, copy of my social security card with I did and the issue was resolved. When I saw XXXX back on my consumer report I contacted XXXX  and I was told that there was not an account on file for me. Equifax has a generic response of " been verified '' as before I'm not asking for verification I want this item removed from my consumer report immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I am writing to dispute the actions of [ Cain & Weiner ] regarding a collection account that has been reported to consumer reporting agencies. Despite my requests and the provisions outlined in federal consumer protection laws, [ Collection Agency Name ] has failed to provide validation information and has violated my rights under the Fair Debt Collection Practices Act ( FDCPA ) and related regulations.

Specifically, [ Cain & Weiner ] has not provided validation information as required by 12 CFR 1006.34 ( b ) ( 5 ). Despite my requests for validation of the debt, they have failed to provide any documentation to verify the legitimacy of the account in question.

Furthermore, I have not been given the opportunity to dispute the account as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This failure to provide me with the required dispute process is a clear violation of federal consumer protection laws.

Additionally, [ Cain & Weiner ] has engaged in deceptive and misleading practices by reporting this account to consumer reporting agencies without fulfilling their legal obligations under 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). Their actions constitute a violation of my rights and protections as a consumer.

I respectfully request that the Consumer Financial Protection Bureau investigate the actions of [ Cain & Weiner ] and take appropriate measures to address these violations of federal consumer protection laws. I also request that [ Cain & Weiner ] be held accountable for their actions and be required to provide the validation information and dispute process as mandated by law.

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this dispute. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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: Law Office of Brett M. Borland, P.C.
State: TX

Complaint narrative:
I am writing to file a formal complaint regarding the conduct of a debt collector, Law Office of Brett M Borland, P.C., in connection with an alleged debt from 2021. I believe the actions taken by this agency violate my rights under the Fair Debt Collection Practices Act ( FDCPA ).

Around a year ago, Law Office of Brett M Borland, P.C. initially contacted me about the aforementioned debt, utilizing threatening language and suggesting legal consequences, including the possibility of being sued and incarcerated if I failed to pay. I complied with their requests initially ; however, I have since stopped responding to their communications.

Despite my discontinuation of communication, Law Office of Brett M Borland, P.C. has persistently continued to contact me, exhibiting what I consider to be harassment. This unwarranted persistence has caused me considerable distress and anxiety. I am concerned that their actions may adversely impact my credit report. 
Below are relevant details for your reference : * Nature of the debt : Rental Debt * Amount claimed : {$2000.00} XXXX kindly request that XXXX, XXXX and XXXX investigate this matter thoroughly, considering the potential violation of my rights under the FDCPA. Additionally, I urge XXXX, XXXX and XXXX to take appropriate action to ensure the accuracy and fairness of the information on my credit report. 
I appreciate your prompt attention to this matter and trust that you will conduct a thorough investigation into the reported actions of Law Office of Brett M Borland, P.C. Please keep me informed of the progress and outcome of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Blitt and Gaines, P.C.
State: MO

Complaint narrative:
I have sent several complaints and letters to Blitt & Gaines, P.C law firm and they have refused to send me anything that I have asked for. The only thing they have sent me is credit card statements but thats not what I asked for. I asked that they provide The affidavit of Corporate Authority ( Who from the board of directors office appointed Blitt & Gaines, P.C to collect on behalf of XXXX  XXXX, XXXX. )? I also asked for any type of proof such as a bond number, license or anything of proof showing that they can collect debt in Missouri and so I did my own research and can not find the attorney that is sending me letters from the law firm. I went on the state bar site and was unable to pull-up this attorney that is listed on the letters they are sending me. I am aware of the following and at this point feel like I have been violated under the FDCPA. 
Section 807 ( 4 ) : Unfair Practices : Debt collectors may not use unfair or unconscionable means to collect or attempt to collect any debt. Attempting to collect a debt without the required licensing in your state could be considered an unfair practice.

Section 807 ( 5 ) : Threats of Illegal Action : Debt collectors may not threaten to take any action that can not legally be taken or that is not intended to be taken. Threatening to pursue legal action in a state where they are not licensed to practice law or collect debts could violate this provision.

Section 807 ( 10 ) : Use of False Representation or Deceptive Means to Collect a Debt : Debt collectors may not use any false representation or deceptive means to collect or attempt to collect any debt. Misrepresenting their authority to collect the debt in your state could be a violation of this provision.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have found inaccurate information on my credit report. I disputed the items and it was not fixed.

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 2024-02-26 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is so annoying & frustrating. Ive sent Equifax multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Equifax 's responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : DEPT OF EDXXXX XXXX Date Opened : XX/XX/XXXX, DEPT OF ED/XXXX  XXXX Date Opened : XX/XX/XXXX, XXXX, DEPT OF ED/XXXX  XXXX Date Opened : XX/XX/XXXX, DEPT OF ED/XXXX  XXXX Date Opened : XX/XX/XXXX, and DEPT OF ED/XXXX  XXXX Date Opened : XX/XX/XXXX. Please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is so annoying & frustrating. Ive sent TransUnion multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In TransUnion 's responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2016 Balance : {$0.00}. Please remove.

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 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2024-02-26 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: GA

Complaint narrative:
I am writing to formally dispute and request the immediate removal of a charge-off entry from my credit report due to incorrect balances associated with the account. Despite multiple attempts to rectify this issue, the inaccurate information persists, negatively impacting my creditworthiness and financial standing. 

I have diligently reviewed my records and can confirm that the reported balance is incorrect. Furthermore, I have made efforts to communicate with the original creditor to resolve this discrepancy, but to no avail. Despite my best efforts, the inaccurate balance remains on my credit report, causing undue hardship and unfairly tarnishing my creditworthiness. 

I hereby formally request that the charge-off entry be removed from my credit report immediately and that any associated inaccurate balance information be corrected. Additionally, I request that you provide me with documentation confirming the removal and correction of this erroneous entry. 

Timely resolution of this matter is of utmost importance to me, as it directly impacts my ability to access credit and make important financial decisions. I expect transparent communication and diligent action on your part to address this dispute promptly and satisfactorily. 

Failure to correct this error in a timely manner will leave me with no choice but to escalate this matter further, including seeking legal recourse and involving regulatory authorities. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$6200.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$20000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$6600.00}.

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 2024-02-26 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: PA

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 non-monetary relief