vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Client Services, Inc.
State: NJ

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX, XXXX XXXX D.C. XXXX RE : **Formal Complaint Regarding Unverified Debt and Harassment from Client Services To Whom It May Concern : I am writing to file a formal complaint on client client services concerning serious issues with the debt collection practices of Client Services. I have been subjected to continued and unlawful harassment, including numerous unsolicited and unwarranted telephone calls, despite multiple requests for debt verification. 

I am fully aware of my rights and obligations under the Fair Debt Collection Practices Act ( FDCPA ) and other applicable consumer protection laws. 

1. **Failure to Provide Debt Verification** : I am requesting a formal debt verification letter from client services. I am requesting a response or documentation verifying the debt in question, in violation of the FDCPA, specifically under Section 809, which mandates that a debt collector must provide verification of the debt upon request. 

2. **Harassment via Repeated and Unwanted Calls** : In addition to the failure to verify the debt, I have been subject to an unacceptable level of harassment through repeated phone calls from client services. These calls have been relentless, and the frequency of contact has caused significant emotional distress. Despite multiple requests to cease these communications, the calls have continued, which constitutes a violation of FDCPA Section 806, prohibiting harassment and undue inconvenience. 

As a result of these violations, I demand the following actions be taken : - **Immediate cessation of all communication** regarding this alleged debt, except for written correspondence confirming that the debt has been properly verified or validated, as required by law. 

- **Provision of a written debt verification letter** as required under FDCPA Section 809, detailing the amount of the debt, the original creditor, and any supporting documentation confirming the legitimacy of this claim. 

- **An official investigation into the practices of client services with regard to the ongoing harassment and non-compliance with federal regulations. 

I am fully prepared to take further legal action, including but not limited to filing a lawsuit for violations of the FDCPA, should these matters not be resolved promptly and in accordance with federal law. Please consider this matter with the utmost urgency, as continued harassment and failure to verify the debt will not be tolerated. 

I expect a response from your office within XXXX XXXX from the date of this letter. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: IL

Complaint narrative:
I strongly recommend removing this suspicious entry from my credit report. It is not mine, and its presence is very concerning. Please take the necessary steps to correct this inaccuracy.

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 2024-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
I made my usual weekly recurring deposit of {$50.00} into my investment account on XX/XX/year> which should result in XXXX reward points. It posts every week but this week it did not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

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 2024-11-27 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: PA

Complaint narrative:
Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX I am writing to formally request, pursuant to my rights under Section 609 of the Fair Credit Reporting Act ( FCRA ), that you provide physical verification of the original signed consumer contracts for any and all negative accounts that are currently being reported on my credit file. 
Specifically, I am requesting the following : 1. A copy of the original contract bearing my " wet ink '' signature for each account that is currently being reported on my credit report. 
2. Physical verification that any and all negative accounts in my name were initiated by me with my full consent, and that you have the necessary documentation on file to support this. 
If you are unable to provide the original signed contracts, I am demanding that the below accounts be immediately deleted from my credit file, as they are not properly verified as required under the FCRA. 

XXXX XXXXXXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance {$420.00} XXXX XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance {$69.00} XXXX XXXX XXXX XXXXccount Number : XXXX Date Open : XX/XX/XXXX Balance {$5000.00} XXXX XXXX XXXX Account Number : XXXX Date Open : XXXX XXXX, XXXX Balance {$4700.00} XXXX XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance {$0.00} XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Account XXXX : XXXX Date Open : XX/XX/XXXX Balance {$2700.00} XXXX XXXX XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: LA

Complaint narrative:
I recently reviewed a copy of my credit report noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-11-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Absolute Resolutions Corp.
State: DE

Complaint narrative:
I am writing to dispute the accuracy of information reported by Absolute Resolutions Investments regarding an account allegedly owed to XXXX XXXX XXXX XXXX. I would like to bring to your attention several critical issues surrounding this account, including a violation of the Fair Credit Reporting Act ( FCRA ). 
1. Account Details : Creditor : XXXX XXXX XXXX XXXX XXXX Collector : Absolute Resolutions Investments Date of Dispute Initiated : XX/XX/year> Date of Negative Reporting : XX/XX/year> Background Information : I initiated a dispute regarding this account on XX/XX/year>, requesting validation of the debt. However, XXXX XXXX XXXX posted a negative remark on my credit report on XX/XX/year>, before the legally mandated XXXX dispute period had expired. This action is not only premature but also constitutes a violation of the FCRA, specifically Section 623, which mandates that furnishers of information must not report information while a dispute is pending. 
3. Lack of Documentation : The documentation I have received, dated XX/XX/year>, does not substantiate their claim. Specifically : There is no contract with my signature indicating that I owe this debt. 
There is no 1099-B form. 
The only items provided were copies of remittance coupons and proof of security purchase, which do not establish my liability. 
Request for Action : I am requesting the following actions : An immediate investigation of this matter under FCRA Section 609, which allows consumers to dispute inaccurate information.

The removal of the negative remark related to this account from my credit report due to the violation of the FCRA while my dispute was pending.

Verification of this debt per my original request, as I have not received sufficient documentation proving that I owe this amount I am asserting my rights as a consumer under the Fair Credit Reporting Act, particularly : Section 609 : Right to request information regarding the account.

Section 611 : Procedures for disputing inaccurate information.

Section 623 : Responsibilities of furnishers of information during disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SD

Complaint narrative:
According to the FCRA section 605B it is illegal to report anything on my credit file and reports without my permission. I have never given my written, verbal, implied, or expressed permission to publish anything on my credit profile. 

Furthermore, The bureaus have not removed the misspellings of my names. 

My only Name : XXXX XXXX My only Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX My only Social Security Number : XXXX That is the only legal/lawful spelling of my name and the correct address I have ever lived at. The bureaus have failed to update my information and delete the incorrect information which is a direct violation 15 U.S. Code 1679c - Disclosures. 

Further Violations by the bureaus - 15 U.S. Code 1681i - Procedure in case of disputed accuracy, as they fail to correct this information and reflect it now for over a 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 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: SD

Complaint narrative:
According to the FCRA section 605B it is illegal to report anything on my credit file and reports without my permission. I have never given my written, verbal, implied, or expressed permission to publish anything on my credit profile. 

Furthermore, The bureaus have not removed the misspellings of my names. 

My only Name : XXXX XXXX My only Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX My only Social Security Number : XXXX That is the only legal/lawful spelling of my name and the correct address I have ever lived at. The bureaus have failed to update my information and delete the incorrect information which is a direct violation 15 U.S. Code 1679c - Disclosures.

Further Violations by the bureaus - 15 U.S. Code 1681i - Procedure in case of disputed accuracy, as they fail to correct this information and reflect it now for over a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: AL

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

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 2024-11-27 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: AL

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

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 2024-11-27 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX XXXX  [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a victim of identity theft with XXXX and the credit bureau is releasing inaccurate information on my behalf that doesnt not belong to me..

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 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

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 2024-11-27 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: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: SC

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern.

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 2024-11-27 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: SC

Complaint narrative:
I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil 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
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

Company response to consumer: Closed with non-monetary relief