vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-14 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:
Equifax is using stall tactics to delay providing accurate information on my credit report. I disputed a collection on my Equifax report indicating the collection company was in violation of 15 USC 1692 ( c ). I sent a photo copy of my mailing address as well as a copy of my social security number. I never received an outcome of their investigation. I then reported it to the CFPB. My complaint was the following : XXXX XXXXXXXX XXXX, a debt collecting company, reported to my credit report. I informed them I did not owe them a debt and refused to pay them, that I never signed a contract with them, and citing15 USC 1c92c ( if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer ). Putting anything on my credit report is a form of communication and is a violation of the law. I sent Equifax a copy of the letter ( along with identity verification ), and cited 15 USC 1692c as well as 15 USC 1681 ( a ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. The violations on my credit report is from the following agency : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  NC XXXX XXXX Account # - # # # # # # XXXX Instead of Equifax following the law, I received a letter from them on XX/XX/year> stating they could not find my information. A copy of the letter is uploaded. 
I have sent complaints through the CFPB on Equifax before and the investigation was complete using the same information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 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: TX

Complaint narrative:
FCRA Section 605C Consumer Submission XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX, TransUnion & XXXX URGENT MATTER ( XX/XX/XXXX ) Subject : Urgent Matter - Consumer Submission under FCRA Section 605C Dear Sir/Madam, I am writing to formally challenge fraudulent items on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). My name is XXXX XXXX, and my Social Security number is XXXX. I am also a victim of human trafficking, which has further complicated my financial situation and led to the fraudulent accounts listed below. 
I dispute the following accounts as fraudulent and request their immediate removal from my credit report : XXXX XXXX Accounts : XXXX. XXXX XXXX XXXX XXXXXXXX ), Opened : XX/XX/XXXX, Balance : {$39000.00}, Account : Charged Off XXXX. XXXX XXXX XXXX XXXX ), Opened : XX/XX/XXXX, Balance : {$34000.00}, Account : Charged Off XXXX. XXXX XXXX XXXX ( XXXX ), Opened : XX/XX/XXXX, Balance : {$21000.00}, Account : Charged Off XXXX. XXXX XXXX XXXX ( XXXX ), Opened : XX/XX/XXXX, Account : Closed XXXX. XXXX XXXX ( XXXX ), Opened : XX/XX/XXXX, Balance : {$3400.00}, Account : Collections Unauthorized Fraudulent Inquiries : XXXX. XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Fraudulent Addresses to Remove : XXXX. XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX. XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX These accounts violate my federally protected consumer rights under 15 U.S.C. 1681, including the right to privacy and the right to dispute inaccurate information. If these accounts can not be verified, they must be removed immediately as per FCRA Section 609 & 611.

Please address this matter urgently. Failure to respond satisfactorily within 30 days may result in legal action. 
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 2024-12-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
FCRA Section 605C Consumer Submission XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Equifax, XXXX & XXXX URGENT MATTER ( XX/XX/XXXX ) Subject : Urgent Matter - Consumer Submission under FCRA Section 605C Dear Sir/Madam, I am writing to formally challenge fraudulent items on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). My name is XXXX XXXX, and my Social Security number is XXXX. I am also a victim of human trafficking, which has further complicated my financial situation and led to the fraudulent accounts listed below. 
I dispute the following accounts as fraudulent and request their immediate removal from my credit report : XXXX XXXX Accounts : XXXX. XXXX XXXX ( XXXX ), Opened : XX/XX/XXXX, Balance : {$39000.00}, Account : Charged Off XXXX. XXXX XXXX ( XXXX ), Opened : XX/XX/XXXX, Balance : {$34000.00}, Account : Charged Off XXXX. XXXX XXXX XXXX ( XXXX ), Opened : XX/XX/XXXX, Balance : {$21000.00}, Account : Charged Off XXXX. XXXX XXXX XXXX ( XXXX ), Opened : XX/XX/XXXX, Account : Closed XXXX. XXXX XXXX ( XXXX ), Opened : XX/XX/XXXX, Balance : {$3400.00}, Account : Collections Unauthorized Fraudulent Inquiries : 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 Fraudulent Addresses to Remove : XXXX. XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX These accounts violate my federally protected consumer rights under 15 U.S.C. 1681, including the right to privacy and the right to dispute inaccurate information. If these accounts can not be verified, they must be removed immediately as per FCRA Section 609 & 611. 
Please address this matter urgently. Failure to respond satisfactorily within 30 days XXXX result in legal action. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 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: OH

Complaint narrative:
XXXX XXXX claimed they charged off the accounts but also gave me a time frame to make the payments before the accounts went to charge off I have emails and letters to prove this. Also I am writing to formally dispute the reporting and handling of my account with XXXX XXXX ( Account Number : [ Insert Account Number ] ). Your company has reported this account as charged off, yet you continue to send me correspondence demanding payment. Additionally, you have failed to issue a XXXX Cancellation of Debt form, as required when an account is deemed uncollectible or charged off.

This situation raises serious concerns regarding compliance with both federal and Ohio state laws. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S. Code 1681s-2 ), any information reported to credit bureaus must be accurate, complete, and not misleading. Reporting this account as charged off while simultaneously pursuing payment creates an inaccurate and inconsistent narrative that violates this requirement. Furthermore, failure to issue a XXXX under these circumstances may constitute noncompliance with IRS regulations ( 26 U.S. Code 6050P ), which mandate that creditors report canceled debts of {$600.00} or more. 

Ohios Consumer Sales Practices Act ( Ohio Revised Code 1345.01 et seq. ) prohibits deceptive or unfair practices in consumer transactions. The ongoing attempts to collect on an account you have reported as charged off mislead me and potentially other consumers regarding the true status of the debt. 

In light of these discrepancies, I am requesting the following : 1. Verification of the status of the account. If the account is legitimately charged off, you must cease all collection activities and issue a XXXX form for the canceled debt, as required by law. 
2. Immediate removal of this account from my credit report if you can not verify the accuracy of the charge-off status.

3. A written explanation of why you are continuing to demand payment despite claiming the account is charged off.

Under Section 611 of

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 2024-12-14 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: ACIMA CREDIT, LLC
State: CT

Complaint narrative:
I used Acima leasing to get furniture for my home. When I signed documents it stated that XXXX would be billed to my account bi weekly per contract. I noticed that they have been charging me XXXX bi weekly instead of XXXX. I wasn't made aware of any other taxes or fees when signing to have XXXX deducted for this purchase. They get you to sign for one payment amount and charge you more. I think it's a rip off.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: Credit Corp Solutions Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX, I sent a certified letter ( XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX to Credit Corp Solutions ( CCS ) requesting Debt Validation and a Cease and Desist under the Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), Ohio XXXX XXXX XXXX, Contract Law, and Uniform Commercial Code ( UCC ) Article XXXX. My letter specifically requested the following : Complete chain of title and proof of assignment. 
The original contract with all signatures. 
The bill of sale and full purchase agreement. 
Proof of authorization to collect the debt. 

In response, I received a letter from XXXX XXXX ( XXXX XXXX and Quality Assurance XXXX ), dated XX/XX/XXXX, along with the following information : Original Creditor : XXXX Bank XXXX. Account XXXX : XXXX. Current Creditor : XXXX XXXX XXXX XXXX XXXX Balance Outstanding : {$980.00}. Reference Number : DT XXXX. 

XXXX XXXX stated that the debt originated from an account with XXXXXXXX XXXX created on or around XX/XX/XXXX, which was allegedly assigned to CCS on or around XX/XX/XXXX. The letter included terms and conditions and account statements. However, it did not include the documentation I specifically requested, such as the original signed contract, proof of assignment, or complete chain of title. There are no signatures from either party, nor did they provide the bill of sale, purchase agreement, or other key documentation required to validate the debt under federal and state laws. 

On XX/XX/XXXX, I sent a follow-up letter via certified mail ( XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX ) restating my demands for : Complete chain of title and proof of assignment. Bill of sale and full purchase agreement. Assignment of rights and title. Proof of authorization to collect the debt. 

To date, Credit Corp Solutions has not responded to my second letter or provided the requested documentation. Additionally, they continue to report the alleged debt on my credit report while it remains under dispute, which is a violation of the FCRA, 15 U.S.C. 1681s-2 ( b ), and may also constitute unfair or deceptive practices under the FDCPA, 15 U.S.C. 1692e. These actions have negatively impacted my credit profile and caused undue stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: FL

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
I dont know exact dates. I know that I was charged for credit protection coverage that I didnt want and didnt sign up for and I was also charged fees from Wells Fargo that I should not have been charged between the years of XXXX. When I would call and ask for the charges to be explained I got a bunch of double talk and excuses and I was told they would fix it and or credit my account which they never did.

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 2024-12-14 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TN

Complaint narrative:
To Whom It May Concern : I am sending this letter to you in response to a collection notice I received from you on XX/XX/year>. A copy is attached to this letter. 

Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 US Code 1692g that your claim is disputed and validation is requested. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following account number ( XXXX ) : COLUMBIA DEBT RECOVERY Account Number : XXXX Please provide me with the following : Agreement with the original creditor that authorizes you to collect on this alleged debt and/or verification that this alleged debt was assigned or sold to you. 
The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations in Washington has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Proof that you are licensed to collect in my state ; and Your license numbers and Registered Agent or Agent of Service. 
This will also serve as your legal notice under the federal Fair Debt Collection Practices Act ( FDCPA ), to cease all communication with me concerning the alleged debt referenced above. Do not contact me, members of my family, employers, or any other third parties regarding this debt. 

This includes all communication by telephone or electronic communications, such as email or texts made by your company, representatives, or agents. If your offices, representatives, or agents attempt communication with me, members of my family, employers, or any other third parties, it will be considered harassment and I will bring this matter before a judge. 

All future communications with me MUST be done in writing via XXXX and sent to the address noted in this letter. 

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. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done.

These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: American Credit Acceptance, LLC
State: GA

Complaint narrative:
I submitted 3 letters asking to Rescind the Contract for discovery of Fraud found XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX American Credit Acceptance XXXX XXXX XXXX XXXX XXXX SC XXXX RE : Right of Rescission Dear Dealership I, XXXX XXXX, Original Creditor and Natural Woman hereby rescind my consent to be liable or compelled to perform on to the contract and agreement I entered with AMERICAN CREDIT ACCEPTANCE on XXXX XXXX I entered into this contract agreement with AMERICAN CREDIT ACCEPTANCE without : I. Full disclosure of my right to rescind XXXX. Transparency regarding the process of the consumer credit application being the financial asset ( 12 CFR 360.6 ( 2 ) ) ; III. As well as self-liquidating paper ( 17 CFR 260.11b ( 6 ) ). 
I have reason to believe that AMERICAN CREDIT ACCEPTANCE willingly and knowingly took advantage of me and my consumer credit. 

I am NOT terminating or canceling this contract, I am deducting my liability to pay on behalf of the obligor, as I have found several violations and fraud. Notice that Pursuant to 15 U.S. Code 1635 ( b ) : upon receipt of this rescission, I am not liable for any finance charge or other charge. Any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. 

In addition, I was given false and deceptive information, as I was informed that a down payment of {$990.00} was needed for me to drive off the lot. Notice that Pursuant to 15 U.S. Code 1635 : Within 20 ( twenty ) days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, downpayment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction. Pursuant to 15 USC 1605 ( a ) : the amount of a finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges. 

Furthermore, the down payment reimbursement of {$900.00} shall be made by check or mailed to me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: TX

Complaint narrative:
I just reached out to Equifax again today at XXXX. It took me four calls to reach a live agent because the automated system refused to allow me to proceed due to me providing my correct address information. I had to log in to my online Equifax account and retrieve the incorrect address to pass verification. I was told that even though I have reported the inaccuracies many times, they are unsure when my disputes will be resolved as I submitted my disputes and proof online. This last dispute was submitted on XX/XX/XXXX, and I wasn't given an estimated date of completion by the agent because he said there wasn't one. I have submitted my FTC report, Police report number, Several forms of ID including state ID, birth certificate, social security card, current bank statement, letter from United States Social Security Administraion, and several other items for proof of address.

I have had a very hard time getting Equifax to respond and comply with my request under FCRA 605b to remove the incorrect personal information and accounts within 4 days. I was just told that if I want my dispute to be handled more efficiently, I would have to print everything out XXXX XXXX to the XXXX XXXX and mail it. I explained my concerns about the XXXX season and surplus of lost mail. The representative told me that's the only option. When I asked to speak to a supervisor to file a complaint about the way my information is being handled, he said there's no supervisor I could talk to, I would have to call the CFPB. Thats why I am filing this, as there is no clear relief in sight.

Company response to consumer: Closed with explanation