vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: UPGRADE, INC.
State: AL

Complaint narrative:
[ XX/XX/year> UPGRADE INC XXXX XXXX XXXX XXXX, XXXX FLR XXXX, AZ XXXX XXXX VIA XXXX XXXX RE : VALIDATION OF ACCOUNT Account # ( XXXX ) To Whom It XXXX Concern, I neither affirm, nor deny this purported debt. You claim I owe your company [ XXXX. 

This letter is being sent to you in response to an entry made on my Credit Report dated open ( XXXX ) Please be advised that this is not a refusal to pay the debt, but a notice sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested. 

Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for verification via E-Oscar or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act. 

Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes.

Debt validation includes the following : 1. Who was the original creditor on this account, and what was the account number?

2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor.

3. Please provide me documentation that indicates that I agreed to pay someone this sum of money.

4. What was the original date of delinquency for this account?

5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment.

6. What did you pay for this account, and how did you calculate the current amount owed?

I require compliance with the terms and conditions of this letter within 30 days of your certified receipt, or a complete removal from my credit profile, in writing, of your claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with the Consumer Financial Protection Bureau ( CFPB ), and appropriate county, state, and federal authorities. I also hereby reserve my right to take private civil action against your company to recover damages.

In addition, the Fair Credit Reporting Act states that while this item is being investigated you must indicate to the bureau that the account is under dispute and will remove/cease from reporting this information to the Credit Reporting Agency until full validation has been completed.

I have sent a copy of this request for validation to the three national Credit Reporting Agencies to begin their 30-day investigational process concurrent with your investigation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Al XXXX CC : XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: FL

Complaint narrative:
I am reaching out to you regarding the compromise of my social security number, as I have fallen victim to Identity Theft. I have already taken the necessary steps to address this issue, including filing a complaint with the Federal Trade Commission ( complaint # FTC Report Number:XXXX  attached ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MD

Complaint narrative:
I attended XXXXXXXX XXXX from XXXX. When I graduated my loans were with XXXX. I had not issues with this lender. My loans were sold to MOHELA and that has been a headache. I informed them that my job will be sending in payments for my account and I have faxed in special instructions for my payments to be applied promptly. Every year I have to call them and inform them that they are not applying the payments promptly and correctly. They have been applying those payments to my daughter 's loans and to the Parent Plus loans. Payments from my job the XXXX XXXX should only be applied every XXXX weeks to my XXXX & XXXX loan. I've called several times in the month of XXXX and each time I call, I have to wait XXXX plus hours to talk to someone and whenever I do they tell me that they will move the payments to the correct account and to date they have not done so. They keep telling me 7-10 days and I have not received anything from MOHELA. I don't understand why I am trying to pay them and they have my account on hold and they are not moving those payments to the correct loans. My job is only paying my loans and not my parent plus loans that I have taken out for my daughter. My Loans are due to the school that I attended that was called XXXX XXXX XXXXn XXXX, IOWA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: CA

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 inquires 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 and have enclosed copies of the report, I would like these items deleted from my credit report as soon as possible.

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 2024-12-31 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
XXXX personal credit card blocked due to identification verification failure. 
New card initiated. 
Written request received to complete the application process in my name of which I did not initiate. 
XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX Credit report had hard inquiries that I did not generate/ initiate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Police report completed XX/XX/year> XXXX d pending approval to file report. 
I personally contacted each financial institutions dispute filed, fraud alerts placed. 
Made contact with experian and XXXX Pending contact with XXXX. 
Affidavit completed with XXXX XXXX and submitted XX/XX/year>.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
XXXX personal credit card blocked due to identification verification failure. 
New card initiated. 
Written request received to complete the application process in my name of which I did not initiate. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ) Credit report had hard inquiries that I did not generate/ initiate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  report completed XX/XX/year> XXXX d pending approval to file report. 
I personally contacted each financial institutions dispute filed, fraud alerts placed. 
Made contact with experian and XXXX Pending contact with XXXX. 
Affidavit completed with XXXX XXXX and submitted XX/XX/year>.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 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: FL

Complaint narrative:
Subject : Urgent Request for Verification Documentation Dear Experian, I am writing to formally demand the specific details and documentation regarding the verification process of the following accounts that have been inaccurately reported on my credit report and were returned as " verified '' after my recent dispute : XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to conduct a reasonable investigation to verify the accuracy of the information disputed. As part of this process, I am entitled to request and receive comprehensive details on how these accounts were verified. This includes, but is not limited to, the original creditors documentation, signed agreements, and any other pertinent information that was utilized during your verification process. 

Given the serious impact inaccurate credit reporting can have, I insist on receiving : Copies of any and all documents, records, and electronic information that were used to verify the accuracy of these accounts. 

A detailed explanation of the procedures used during your investigation and the specific methods employed to validate the disputed information. 

The name and contact information of the person or entity who conducted the verification. 

I expect a thorough and timely response. Failure to provide this information will leave me no choice but to consider further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Attorney General, as well as seeking legal counsel to protect my rights. 

Thank you for your immediate attention to this matter. I look forward to your prompt 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 2024-12-31 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: LEXISNEXIS
State: OH

Complaint narrative:
Ive written letters to the three major credit bureaus and Lexisnexis asking for a bankruptcy be removed. I received documentation from the Bancruptcy Court explaining that they do not Share/verify any information between credit bureaus or any other companies which makes this information unverifiable. Neither company has given any answers as to how the investigation was performed. But still as of date this Bancruptcy hasnt been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: NY

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

UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XX/XX/year>

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 2024-12-31 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX Account # XXXX date opened XX/XX/XXXX XXXX {$5400.00XXXX XXXX XXXX XXXX XXXXt # XXXX XXXX XXXX XX/XX/XXXX bal. {$960.00}XXXX XXXX XXXX  XXXX Account # XXXX date opened XX/XX/XXXX bal. {$640.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$370.00}XXXX XXXX XXXX XXXX XXXX # XXXX date opened XX/XX/XXXX bal. {$190.00}, XXXX XXXXXXXX XXXX XXXX Account # : XXXX date XXXX XX/XX/XXXX XXXX {$150.00} Inquiries : XXXX, XXXXXXXX XXXX XXXX XXXX XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-12-31 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: VA

Complaint narrative:
I am submitting this complaint to address serious violations by Experian regarding inaccurate and misleading reporting on my consumer credit file. The information in question pertains to Account XXXX : XXXX reported by Experian as a charge-off ( CO ), yet inconsistently shows XXXX late payments. This reporting is contradictory, inaccurate, and a clear violation of the Fair Credit Reporting Act ( FCRA ). 

Experian lists the account as a charge-off ( CO ), yet the report also indicates zero late payments. A charge-off can not occur without a delinquency in payment history. This inconsistency demonstrates a failure to ensure that information is accurate and complete, as required under the FCRA ( 15 U.S.C. 1681e ( b ) ). 

The inaccurate reporting of this account has severely impacted my financial standing. I have been denied credit, experienced a lowered credit score, and suffered significant XXXX XXXXXXXX due to the financial hardships caused by these inaccuracies. XXXX negligence in ensuring the accuracy of my report has directly contributed to these outcomes. 

I trust that the Consumer Financial Protection Bureau will address this matter and hold Experian accountable for their failure to comply with the law. 

Thank you for your attention to this serious 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 2024-12-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not authorize any of these inquiries and they were obtained fraudulently. 
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 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 2024-12-31 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Dear Experian, I am writing to express my frustration with the challenges Ive faced in trying to resolve an issue with my credit file. Contacting Experian by phone has proven impossibledespite over XXXX attempts, I have been unable to reach a representative to assist me. 

Recently, I applied for a checking account with XXXX XXXX XXXX, but my application was declined because my identity could not be verified through Experian. This issue has persisted for many years, and it feels as though Experian is effectively holding my credit file XXXX through whatever means you are doing internally. 

I strongly urge Experian to resolve this matter promptly. I am seeking immediate action to address whatever barriers are preventing my credit file from being accessed or verified properly. This issue could be fixed in a matter of minutes if handled appropriately. 

While I would prefer to avoid escalating this matter further, including seeking legal counsel, I am prepared to do so if necessary. Please contact me at your earliest convenience to confirm receipt of this complaint and to outline the steps being taken to resolve the issue. 



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 2024-12-31 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: FL

Complaint narrative:
I am reaching out to you regarding the compromise of my social security number, as I have fallen victim to Identity Theft. I have already taken the necessary steps to address this issue, including filing a complaint with the Federal Trade Commission ( complaint # FTC Report Number:XXXX  attached ).

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 2024-12-31 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 am reaching out to you regarding the compromise of my social security number, as I have fallen victim to Identity Theft. I have already taken the necessary steps to address this issue, including filing a complaint with the Federal Trade Commission ( complaint # FTC Report Number:XXXX  attached ).

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 2024-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XX/XX/year> XXXX i attempted to get info proof of debt no answer

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I am filing this complaint regarding inaccurate bankruptcy information appearing on my credit report. Specifically, the following XXXX bankruptcy entries are being reported : Date Filed : XX/XX/XXXX Reference Number : XXXX Court : XXXX XXXX XXXX XXXX XXXX Case Number : XXXX Date Filed : XX/XX/XXXX Reference Number : XXXX Court : XXXX XXXX XXXX XXXX XXXXXXXX Case Number : XXXX These entries do not belong to me. Both entries are inaccurate and appear to reference the same case, yet they are reported as XXXX separate bankruptcies. This error is negatively impacting my credit score and overall financial standing. 

Previous Disputes : I have disputed this information with the credit bureaus on XXXX prior occasions, most recently in XX/XX/XXXX. Despite providing evidence that these entries do not belong to me, no resolution has been provided. 

Background : As a victim of the Equifax data breach, I am deeply concerned about the integrity of my personal information. Attached is confirmation of my status as a victim of the Equifax data breach to underscore the need for accurate reporting. 

Legal Grounds for Dispute : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, credit reporting agencies are required to ensure maximum possible accuracy in credit reports. Reporting bankruptcies that do not belong to me and listing a duplicate entry are clear violations of this law. 

Furthermore, in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the court emphasized the obligation of credit reporting agencies to conduct a reasonable investigation into disputed information. This obligation has not been met despite my prior disputes.

Company response to consumer: Closed with non-monetary relief