vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-12 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX / XXXX XXXX XXXX / XXXX XXXX XXXX XXXX / XXXX XXXX / XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these accounts were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: NY

Complaint narrative:
Please delete this account this is fraud I never gave anyone authorization/ permission for anything I asked for the original creditor and theyve never responded this is fraudulent please delete these collection accounts. 
XXXX XXXX XXXX for {$580.00} reported XX/XX/XXXX XXXX XXXX  XXXX for {$220.00} reported XX/XX/XXXX XXXX XXXX XXXX for {$61.00} reported XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 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: MS

Complaint narrative:
TransUnion XXXX XXXX XXXX XXXX, PA XXXX RE : XXXX  Block Request Dear XXXX XXXX XXXX XXXX I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX  XXXX XXXX XXXX Inquiries XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.

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 2025-01-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Collection Bureau, Inc.
State: AZ

Complaint narrative:
I have contact the company every Friday since XXXX and requested information and requested this removed and have not seen it removed. I also spoke with the woman and informed her this is not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Comerica
State: NJ

Complaint narrative:
I am filing a complaint regarding a defective XXXX XXXX I purchased on XXXX on XX/XX/XXXX The phone was advertised as new but arrived with several issue and wouldnt turn on, unresponsive touchscreen, physical damage ( scratches and dent ), and missing accessories. Despite reaching out to the seller and opening a case on XXXX, I have not received a satisfactory resolution. 

I am seeking a full refund and assistance in resolving this matter, as the product was misrepresented and defective. Ive attached documentation, including the purchase invoice, product photos, and communication with the seller, for your review The Total amount was XXXX $ dollars. 

Thank you for your help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-12 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: PA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
My Identity was included in the XXXX XXXX XXXX. in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: United Collection Bureau, Inc.
State: TX

Complaint narrative:
My Identity was included in the XXXX XXXX XXXX. in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: Kikoff Inc.
State: NY

Complaint narrative:
I want this XXXX XXXX deleted from my account Reported on XXXX XXXX and on XX/XX/year> I have Credit inquiries on my report that I don't recognize, and shared without consent, I have credit inquiries from unknown sources that I do not know about and did not authorize.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: Kikoff Inc.
State: NY

Complaint narrative:
I want this KIKOFF LEND deleted from my account Reported on XXXX XXXX and on XX/XX/year> I have Credit inquiries on my report that I don't recognize, and shared without consent, I have credit inquiries from unknown sources that I do not know about and did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
Account was supposedly verified ; however I did not receive any information proving verification. Under the provisions of 15 U.S.C. 1681s-2, furnishers of information to credit reporting agencies are prohibited from reporting information that they know, or have reasonable cause to believe, is inaccurate. Moreover, this law requires that a reasonable investigation be conducted when an account is disputed. It appears that no such investigation has been performed, nor has verification been provided to substantiate this account. - **15 U.S.C. 1681b : ** No permissible purpose has been demonstrated for the continued reporting of unverified or inaccurate information.

- **15 U.S.C. 1681e ( b ) : ** Credit reporting agencies are required to ensure maximum possible accuracy of the information reported. Reporting unverifiable or inaccurate information violates this requirement. 
- **15 U.S.C. 609 ( 1 ) ( A ) : ** I have the right to request all information used to verify this account, including but not limited to the original signed contract and detailed account history. To date, I have not been provided this information.

- **18 U.S.C . 894 : ** Extortionate credit practices are illegal and unethical. Reporting unverifiable debts constitutes undue harm and pressure.

- **15 U.S.C. 1601 : ** As a consumer, I am entitled to fair and transparent credit practices, which include proper validation of debts. In addition, the reporting of this account without proper verification or prior notification infringes upon my rights to privacy as outlined in consumer protection laws. Posting such information to my credit report without consent or due process is a serious violation and must be addressed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Re : Debt Validation Request To Whom It May Concern, I am writing regarding an account, which Midland Credit Management has reported to the credit bureaus as a collection account. Under the Fair Debt Collection Practices Act ( FDCPA ) and applicable state laws, I am formally disputing the validity of this debt and requesting proof that Midland Credit Management has the legal right to collect this debt. Please provide the following documentation : 1. **Validation of the Debt** Proof that the amount of {$3600.00} is accurate and owed by me. 
XXXX. **Proof of Ownership** The purchase agreement between XXXX XXXX  and Midland Credit Management XXXX 
XXXX. **Itemized Account Statements** Detailed records of the account, including all charges, payments, and interest applied. 
4. **Proof of Licensing** Verification that Midland Credit Management is licensed to collect debts in my state ( California ) XXXX 
This is not a refusal to pay but a request for clarification. Until the requested documents are provided, I request that no negative information about this debt be reported to credit bureaus, as this would constitute a violation of the FDCPA. 
Additionally, I request that you cease all communication with me regarding this debt, except to provide the requested validation. Please respond through the CFPB portal within 30 days of receipt of this letter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
To whom it may concern, Formal Complaint Against Navy Federal Credit Union ( XXXX : XXXX ) for Privacy Violations and Negligence I am submitting this formal complaint against Navy Federal Credit Union ( NFCU ) for serious violations of consumer protection laws, unauthorized disclosures of sensitive financial data, and a clear failure to safeguard my financial information as required under CFR 313 and other legal frameworks.

I previously contacted NFCU to notify them of their breach of contract and policy, including their unauthorized disclosure of my credit utilization data and financial transaction history to third parties without my consent. I explicitly demanded a remedy for this breach and required that they cease these disclosures, but my concerns have been ignored entirely. This neglect demonstrates a blatant disregard for their contractual obligations, privacy policy, and my rights as a consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
XXXX last year my balance was updated on my credit report to XXXX dollars by SEQUIUM ASSET SOLUTION. They reported the same amount again to the credit bureau this month. The negative collection dropped my points down by XXXX points. Why are they reporting this same collection multiple times on my credit report? XXXX shouldn't allow this to happen either. Just doesn't make any sense.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
On XX/XX/year> I disputed multiple accounts on my credit report that were not properly investigated. I myself did not receive information requested by the credit bureaus. There was no information proving these accounts were in fact my accounts and what proof there was to verify it. This is violation of my rights and I ask that the cfpb investigate and have these accounts removed from my credit report immediately.

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 2025-01-12 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: CA

Complaint narrative:
Experian Credit Report Breau is allowing these collection agencies to report the same collection Mutiple times causing peoples credit scores to drop. There was a collection added to my credit report last XX/XX/year> the same company just added the same collection again this year. Its already on my credit, my credit has already been affected, so why would Experian allow this unethical nonsense? I'm highly disappointed. I maintain a good credit score and I take my credit very serious. Experian need to do better. I pay a monthly membership fee for their accurate services.

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 2025-01-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Opportunity Financial, LLC
State: OR

Complaint narrative:
On XX/XX/XXXX Opp Loans deposited {$2700.00} into my account. 

On XX/XX/XXXX they tried to take a payment of {$250.00}. Which was also returned to my account on the same day. 

On XX/XX/XXXX I paid off the loan in full with a payment of {$2700.00}. 

On XX/XX/XXXX they credited me {$26.00} On XX/XX/XXXX I received an email and text message saying I was late on my payments. 

When I logged into their site it said I had not paid anything off and still owed the entire amount. I called their customer service explaining I had already paid off the loan in full. I have bank statements showing the money was taken out on XX/XX/XXXX and was not returned. Paying the loan balance in full. 

I was told by customer service it was a computer glitch and they acknowledged that my loan was paid off in full. 

I then called my bank and initiated a STOP payment on any future debits that Opp Loans tries to take out of my account. Even though I already paid off the loan in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: GA

Complaint narrative:
Subject : Complaint Against XXXX for Refusal to Update Personal Information Dear Sir/Madam, I am writing to file a formal complaint against XXXX, XXXX, Transunion for their refusal to update my personal information on my credit report. On XXXX XXXX, XXXX, I submitted a personal information update letter to XXXX, XXXX, Transunion, requesting the correction of my address and other personal details. This letter was accompanied by the necessary documentation, including a copy of my driver 's license, Social Security card, and a utility bill to verify my address. The document was also notarized. 
However, on XX/XX/XXXX, I received a response from XXXX, XXXX, Transunion stating that my request could not be processed because I did not provide a government ID. This statement is incorrect and misleading, as I had included all required documents, including a government-issued ID, in my initial submission. 
Attached to this complaint, you will find a copy of my original personal information update letter and all supporting documents that were submitted to XXXX, XXXX, Transunion. 
I believe that XXXX, XXXX, Transunion 's refusal to update my information is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under sections 15 U.S.C. 1681i ( Procedure in case of disputed accuracy ) and 15 U.S.C. 1681e ( b ) ( Compliance procedures to ensure maximum possible accuracy ). 
XXXX, XXXX, Transunion 's failure to acknowledge and properly review the provided documentation is a direct violation of my rights under the FCRA. According to the FCRA, consumers have the right to dispute inaccurate information on their credit reports and must be provided with a fair and reasonable investigation of their dispute. By ignoring the documentation I provided, TransUnion has failed to uphold their obligation to conduct a fair investigation, thereby violating my consumer rights.

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 2025-01-12 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: GA

Complaint narrative:
Subject : Complaint Against Experian for Refusal to Update Personal Information Dear Sir/Madam, I am writing to file a formal complaint against Experian, XXXX, XXXX for their refusal to update my personal information on my credit report. On XXXX XXXX, XXXX, I submitted a personal information update letter to Experian, XXXX, XXXX, requesting the correction of my address and other personal details. This letter was accompanied by the necessary documentation, including a copy of my driver 's license, Social Security card, and a utility bill to verify my address. The document was also notarized. 
However, on XX/XX/XXXX, I received a response from Experian, XXXX, XXXX stating that my request could not be processed because I did not provide a government ID. This statement is incorrect and misleading, as I had included all required documents, including a government-issued ID, in my initial submission. 
Attached to this complaint, you will find a copy of my original personal information update letter and all supporting documents that were submitted to Experian, XXXX, XXXX. 
I believe that Experian, XXXX, XXXX 's refusal to update my information is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under sections 15 U.S.C. 1681i ( Procedure in case of disputed accuracy ) and 15 U.S.C. 1681e ( b ) ( Compliance procedures to ensure maximum possible accuracy ). 
Experian, XXXX, XXXX 's failure to acknowledge and properly review the provided documentation is a direct violation of my rights under the FCRA. According to the FCRA, consumers have the right to dispute inaccurate information on their credit reports and must be provided with a fair and reasonable investigation of their dispute. By ignoring the documentation I provided, XXXX has failed to uphold their obligation to conduct a fair investigation, thereby violating my consumer rights.

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