vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-24 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
I got a gift card from my family : XXXX vanilla prepaid gift cards each card {$150.00} amount. Total {$300.00}. I tried to use both cards on groceries stores, purchase online and it's been declined everytime. After going to the vanilla card website, i discovered both cards had a balance of XXXX XXXX. The cards had both been used at target a few days after they were purchased, which was before I had even received them as gifts. After doing some research I found out that these type of cards are often susceptible to fraud, people will take a picture of the card and put it back in the package and wait for the card to be activated. Once it's activated the person will use it before the person who bought the card notices anything is wrong. There's no way to file a fraud claim on the Vanilla card website, they just tell you to take it up with the merchant where the card was used or it will give you an error message.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 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: CA

Complaint narrative:
Subject : Formal Dispute Under 15 USC 1681i ( 5 ) Request for Investigation and Correction To Whom It May Concern, I am writing to formally dispute an inaccurate item on my credit report, as provided under my rights outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( 5 ). This section of the law requires credit reporting agencies to investigate disputed information and promptly update or delete items that can not be verified or are found to be inaccurate. 

The disputed item is as follows : XXXX. Account XXXX : XXXX XXXX Date Listed : XX/XX/XXXX XXXX. Account Name : XXXX XXXX XXXX  Date Listed : XX/XX/XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX Date Listed : XX/XX/XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX Date Listed : XX/XX/XXXX Under 15 USC 1681i ( 5 ) ( A ), any item that can not be verified as accurate must be promptly deleted from my credit report. I request that you conduct a thorough investigation of this matter and provide me with the following : Verification of the Disputed Item : Evidence confirming the accuracy of the account information.

Correction or Deletion : If the item can not be verified, it must be corrected or deleted from my credit report as required by law.

Notification of Results : Written confirmation of the investigation results, including an updated copy of my credit report reflecting any changes made.

Please respond to this dispute within the legally mandated 30-day investigation period.

Failure to comply may result in further action to enforce my rights under the FCRA. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

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 2024-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
Dear CFPB, I am filing this complaint regarding an alleged debt being reported and collected by [ Debt Buyer/Collection Agency Name ]. I believe the actions of the third-party debt collector and/or original creditor violate federal laws, specifically the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Lack of Valid Contractual Agreement Under 15 U.S.C. 1692g ( b ), I requested validation of the debt from the collector. To date, they have failed to provide adequate documentation proving their legal authority to collect this debt, such as a valid assignment agreement or a signed contract showing my obligation to the original creditor.

Unlawful Reporting of Inaccurate Information According to 15 U.S.C. 1681s-2 ( b ) of the FCRA, information furnished to credit reporting agencies must be accurate and verifiable. The debt collector has not substantiated the accuracy of this account or provided proof of my responsibility for the alleged debt. I request its immediate removal from my credit report if they can not validate it.

Unauthorized Sale or Transfer of Debt Per 15 U.S.C. 1666h, I have not been prov
ided with evidence that I consented to the sale or transfer of this debt to a third party. This raises concerns about the legality of their collection efforts.

Violation of State Laws and Time-Barred Debt Additionally, this debt may violate [ insert state law, e.g., statute of limitations ], as it appears to be time-barred or outside the legal period for collection.

Resolution Requested : I respectfully request the CFPB to : Investigate this matter and require the debt collector to validate the debt with proper documentation ( e.g., original signed contract, complete payment history, proof of legal assignment ) .Ensure the removal of this debt from my credit reports if they can not provide sufficient validation.Cease all collection activities immediately if the debt can not be proven valid. 
Provide written confirmation from both the debt collector and the original creditor regarding the resolution of this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Dater of Birth : XX/XX/XXXX. 
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ( a ) ) that you the equifax 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 consist of a personal credit card account open at XXXX XXXX  card serv on XX/XX/XXXX, a personal credit card account opened at XXXX XXXX  on XXXX XXXX, and a collection account added from eastern account systems opened on XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and collections and charge offs appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, or 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 the 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-24 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:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXect : Formal Dispute and Request for Account Removal Pursuant to 15 U.S.C. 1692c ( c ) Dear XXXX XXXX XXXX Representative, I am writing to formally dispute the information related to my account with XXXX XXXX Bank, as it is currently being reported inaccurately. The account details are as follows : Account Name : XXXX XXXX Account XXXX Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), I am asserting my rights and requesting the cessation of all reporting of this account on my credit report. 

The FDCPA mandates that upon receiving notice from a consumer to cease communication regarding a disputed debt, the reporting entity must comply with such a request unless the debt is validated or necessary legal notices are provided. I have reason to believe that the reported account is inaccurate or incomplete, and I am invoking my rights under this law to have this account reviewed, validated, and subsequently removed from my credit report. 

To assist in this process, I request the following : Validation of the debt, including proof that this account is accurate and enforceable. 
Removal of this account from my credit report if validation can not be provided or if it has been resolved in full. 
To expedite this resolution, I have attached the following documents for your reference : A copy of my identification ( drivers license or government-issued ID ). 
A copy of any correspondence or documentation related to this account ( if applicable ). 
I request that your office investigate this matter promptly and provide a response in writing within 30 days, as required by law. Should your office fail to validate the account or comply with this request, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or pursue further legal remedies. 

Thank you for your attention to this urgent matter. Please provide confirmation once the account has been removed from my credit report or validated to my satisfaction. Should you require additional information, I can be reached at XXXX or XXXX. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-24 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:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute and Request for Account Removal Pursuant to 15 U.S.C. 1692c ( c ) Dear XXXX XXXX XXXX Representative, I am writing to formally dispute the information related to my account with XXXX XXXX XXXX, as it is currently being reported inaccurately. The account details are as follows : Account Name : XXXX XXXX Account XXXX Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), I am asserting my rights and requesting the cessation of all reporting of this account on my credit report. 

The FDCPA mandates that upon receiving notice from a consumer to cease communication regarding a disputed debt, the reporting entity must comply with such a request unless the debt is validated or necessary legal notices are provided. I have reason to believe that the reported account is inaccurate or incomplete, and I am invoking my rights under this law to have this account reviewed, validated, and subsequently removed from my credit report. 

To assist in this process, I request the following : Validation of the debt, including proof that this account is accurate and enforceable. 
Removal of this account from my credit report if validation can not be provided or if it has been resolved in full. 
To expedite this resolution, I have attached the following documents for your reference : A copy of my identification ( drivers license or government-issued ID ). 
A copy of any correspondence or documentation related to this account ( if applicable ). 
I request that your office investigate this matter promptly and provide a response in writing within 30 days, as required by law. Should your office fail to validate the account or comply with this request, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or pursue further legal remedies. 

Thank you for your attention to this urgent matter. Please provide confirmation once the account has been removed from my credit report or validated to my satisfaction. Should you require additional information, I can be reached at XXXX or XXXX. 

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 non-monetary relief
Consumer complaint received 2024-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: PA

Complaint narrative:
Company wrote of balance as a tax break. Has not provided 1099c to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-24 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: CA

Complaint narrative:
police report numbers : XXXX and XXXX I am writing to formally report significant issues with a credit reporting agency concerning multiple inaccuracies present on my credit report and to request the removal of this erroneous information. 
I contest the following inquiries that must be removed from my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Additionally, I request that the following accounts be added back to my credit report, as they have been paid as agreed : XXXXXXXX XXXX XXXXXXXX XXXX. XXXX XXXXXXXX XXXX XXXX  Furthermore, I must emphasize the erroneous bankruptcy filing that XXXX has claimed to verify. The XXXX XXXX XXXX has confirmed that it **does not verify information to third parties**. This situation raises significant legal concerns under both **15 U.S.C. 1681e ( b ) **, which requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information reported, as well as my constitutional right to due process under the **Fifth and Fourteenth Amendments** of the United States Constitution . These rights guarantee that I am entitled to accurate information being reported about me and that I have the right to challenge any inaccuracies. 
Additionally, under international law principles, including those reflected in the **Universal Declaration of Human Rights ( UDHR ) ** and the **International Covenant on Civil and Political Rights ( ICCPR ) **, individuals are entitled to privacy and the protection of their personal data. The failure to rectify inaccurate information in my credit report operates contrary to these fundamental rights, thereby violating not only domestic legislation but also international standards of justice and fairness. 
Given these circumstances, I hereby request the immediate : XXXX. Removal of the inaccurate inquiries from my credit report. 
XXXX. Addition of the accounts ( XXXX XXXX, XXXX XXXX, XXXX ) that have been paid as agreed. 
XXXX. Removal of the erroneous bankruptcy filing from my consumer reports. 
I have provided a police report to the credit reporting agency substantiating my claims regarding these inaccuracies, but despite my efforts to resolve these issues directly with them, no action has been taken. These inaccuracies have severely impacted my credit score and overall creditworthiness.

Attached are copies of the police report and my correspondence with the credit reporting agency for your review.

Thank you for your attention to this urgent matter. I look forward to your prompt assistance to ensure the rectification of my credit report in accordance with both domestic and international legal standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I reviewed my consumer reports and noticed that I had two late payments on an account that was never late for consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability que with maximun accuracy I have never been late on paymenst for the account : Accoun name : XXXX XXXX  / XXXXXXXX XXXX Accoun number : XXXX please investgate and provided I proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to on time as they should be as I das NEVER late. Thanks.

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 2024-11-24 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXThis CFPB complaint has been filed to request pursuant to FCRA 6058 ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 credit card that open XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX with a balance of {$0.00} A car loan account that opened at XXXX XXXX XXXX XXXX account # XXXX opened on XX/XX/XXXX with a balance of {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my Identity Theft criminal complaint XXXX as proof of the US Federal Trade Commission that all of the aforementioned consumer credit accounts collections are the result of identity theft fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I have been fighting with My Best Buy XXXX card for close to a year. I had close to XXXX XXXX dollars in fraudulent charges from stollen card numbers. 
I had XXXX number when this started and have been fighting to fix my credit, and was given a new card number On XX/XX/XXXX I paid off card On XX/XX/XXXX I paid off card On XX/XX/XXXX I paid off card On XX/XX/XXXX I paid off card On or about XX/XX/XXXX I received a letter from Best Buy stating they reversed the unauthorized charges and if I did not hear back from them in 90 days this process would be permanent. This is XX/XX/XXXX and I did not receive another letter to this regard. 
On or about XX/XX/XXXX I received a letter from Best Buy stating they closed my account and are sending information to the XXXX credit bureaus. Continue making payments, What payments? 
On XX/XX/XXXX Paid off card again, they removed late fee, and account closed. 
On or about XX/XX/XXXX another letter from CITI bank, stating my account was past due and even though my account is closed I need to make payments. AGAIN this was paid-off on XX/XX/XXXX. I replied on XX/XX/XXXX at XXXX, tried calling XXXX times and could not get past the computer. 
On or about XX/XX/XXXX I received a letter from CITI//Best Buy stating my account was past due and even though the card is closed I still have to pay off. I called back a spoke with XXXX XXXX who had removed the {$69.00} charge. 
I received a statement XX/XX/XXXX for another late fee {$29.00} plus {$1.00} interest charge stating I have a past due {$20.00} and a late fee charge {$30.00}, balance is {$59.00}. 
XX/XX/XXXX Called Citi bank spoke with XXXX who transferred me to XXXX who told me I had a XXXX balance and to call back in seven days to verify. 9 days later called back got XXXX who transferred me to XXXX in security dept, disconnected?? On XX/XX/XXXX spoke with XXXX. 
on or about XX/XX/XXXX paid another {$29.00} to Best Buy On or about XX/XX/XXXX received another bill ( XXXX ) for {$99.00}, just ignored. 
On or about XX/XX/XXXX I received another bill for {$60.00}. I called an spoke with XXXX. I told her the account was closed and she reversed the {$60.00}. Should be XXXX On or about XX/XX/XXXX received another bill for {$100.00}. 
Lastly heard they now say I owe over {$500.00}

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 2024-11-24 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: TX

Complaint narrative:
What happened ( statement of pertinent facts ) : 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 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 inquiries I am writing to dispute the following information that appears on my Experian report as a Inquiry from XXXX XXXX on XX/XX/XXXX, Inquiry from XXXX XXXX on XX/XX/XXXX, Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX. Inquiry from XXXX XXXX XXXX on XX/XX/XXXX, Inquiry from XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX, Inquiry from XXXX XXXX XXXX on XX/XX/XXXX, Inquiry from XXXX XXXX XXXXXXXX on XX/XX/XXXX, Inquiry from XXXX XXXX on XX/XX/XXXX, Inquiry from XXXX XXXX XXXX XXXX XX/XX/XXXX, that appears related to the aforementioned car loan accounts.These accounts have resulted in several fraudulent hard inquiries 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, or hard inquiries as reported. The aforementioned accounts, 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, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX, XXXX, XXXX cases as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, 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