vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Law Offices of Kenosian & Miele, LLP
State: CA

Complaint narrative:
CFPB found that XXXX had manipulated credit card Balances and Interest Rates and required XXXX to reimburse the credit card holders {>= $1,000,000}. I received XXXX checks totaling {$950.00}. Prior to receiving these checks a credit card debt collection company XXXX & XXXX XXXX  through their attorneys Kenosian & Miele here in XXXX, California. The XXXX XXXX XXXX case # XXXX where through a Mandatory Court Settlement conference a stipulated agreement was reached for {$5000.00} to be paid at $ XXXX month down from a Manipulated balance of {>= $1,000,000}. The original interest rate was 9 % and later manipulated to 29 %. I objected. Please call me XXXX!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I would like these accounts to be remove so my credit report can report accurately ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 the files below. 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 identify 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 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 2024-12-15 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: MD

Complaint narrative:
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts.15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions, 15 U.S.C 1666B. I have sent multiple disputes with either no response or a response ignoring my request. Please provide proof that I consented to the furnishing of the listed accounts. You have yet to provide me any proof that I consented to this information being displayed on my credit report OR remove from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
JPMCB is reporting negative remarks on my consumer report. They are stating that there is a debt for {$5900.00} but are stating the account is closed at XX/XX/year>. I never received a XXXX from this company nor have they validated the debt under the laws and regulations. I don't consent to inaccurate and invalid information on my consumer report. Please remove this item immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: CA

Complaint narrative:
XXXX  XXXX BANK ACCOUNT # XXXX AMOUNT {$XXXX} XXXX XXXX BANK RAN OFF THIS ENTIRE BALANCE AS A LOSS, IT SHOULD NOT BEEN SOLD TO A THIRD PARTY COLLECTION AGENCY TO BE COLLECTED. 

THIS ACCOUNT IS RAN OFF AS A CHARGE OFF AND I NEVER RECIVED A XXXX CANCELLATION FORM FROM THEM AND BECAUSE OF THAT THIS ACCOUNT IS NOT ACCURATE AND IT SHOULD SHOW A XXXX BALANCE

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 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX BANK ACCOUNT # XXXX AMOUNT {$XXXX} XXXX XXXX BANK RAN OFF THIS ENTIRE BALANCE AS A LOSS, IT SHOULD NOT BEEN SOLD TO A THIRD PARTY COLLECTION AGENCY TO BE COLLECTED. 

THIS ACCOUNT IS RAN OFF AS A CHARGE OFF AND I NEVER RECIVED A XXXX CANCELLATION FORM FROM THEM AND BECAUSE OF THAT THIS ACCOUNT IS NOT ACCURATE AND IT SHOULD SHOW A XXXX BALANCE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
In XXXX with the XXXX XXXX XXXX. The list below has violated my federally protected consumers rights to privacy and confidentiality under XXXX XXXX XXXX. 
ACXXXX 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 XXXXXX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A . State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than Records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate.

15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681.

FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-15 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: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. 
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  Miscellaneous Finance XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX5 U.S.C 1681 Section 602 A . State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than Records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate.

15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681.

FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block

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 2024-12-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Management Holdings, LLC
State: FL

Complaint narrative:
Re : Account # XXXX Dear collection agent, I took a look at my credit report and saw a collection from you reporting on my credit. I am unaware of this debt and why it's even on my credit report. So therefore as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am aware based on what you are reporting that there is a debt from ( name of hospital/doctor ), but I am unaware of the amount due since there is no breakdown of any fees. 
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to any information for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patient 's authorization. 
Therefore my request is twofold-validation of debt and HIPAA authorization XXXX 
Please provide a breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical Information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 
Please send this information lo my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service In connection with this alleged debt.

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to valldate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with the above requested proof. Upon receiving it, I will correspond back by certified mall.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In or around XX/XX/XXXX filed a dispute with XXXX CRA 's regarding inaccuracies on credit reports pursuant to 15 U.S.C 1681 -2 ( b ). CRA 's failed to investigate dispute within 30 days set forth by the FCRA rules. 

consumer next filed a MOV " Method of Verification '' certified letter to all 3 CRA 's demanding that their investigation provide - who did CRA speak to regarding said inaccuracy, said Furnisher 's information ; address, telephone #, time & date CRA spoke with said furnisher, copy of communication for partiers involved. CRA 's continues to provide consumer with XXXX XXXX  letter, stating that said accounts have been verified. Furthermore, CRA 's have continuously sent consumer more XXXX XXXX  letter requesting he/him to send SS and driver License to justify right to dispute, which was sent 3 times. This tactic appears to be reason not to respond within 30 days requirement. violation ( s ) 15 U.S.C 1681i ( a ) ( 2 ) ( A ), 15 U.S.C 16812 ( a ) ( 8 ) XXXX v 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 2024-12-15 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:
I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
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 2024-12-15 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: NE

Complaint narrative:
This complaint is being filed against Equifax, XXXX, and XXXX for failure to comply with federal laws governing the reporting and timely removal of inaccurate accounts associated with identity theft. 

I have previously submitted an Identity Theft Affidavit, an Affidavit of Truth, and copies of my identifying information to each of the credit bureaus via certified mail, which has been received as evidenced by the return receipts. These documents clearly establish that the following accounts are fraudulent and must be deleted immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I stated Under the Fair Credit Reporting Act ( 15 U.S.C. 1681-1681x ), you are required to investigate and delete any information that can not be verified as accurate within 4 business days when identity theft has been properly reported. Specifically : 15 U.S.C. 1681c-2 mandates that credit reporting agencies block fraudulent information within 4 days of receiving an identity theft report and proof of identity.

15 U.S.C. 1681i ( a ) ( 5 ) requires the deletion of inaccurate or unverifiable information following a reasonable investigation. 

Failure to comply with these obligations has been adjudicated in the following court cases, which highlight your liability and lack of compliance : XXXX v. XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Failure to remove inaccurate information after proper notice constitutes willful noncompliance with the FCRA. 

XXXX v. TransUnion, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Credit reporting agencies are liable for damages when they fail to conduct reasonable investigations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-15 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: NE

Complaint narrative:
This complaint is being filed against XXXX, Experian, and XXXX for failure to comply with federal laws governing the reporting and timely removal of inaccurate accounts associated with identity theft. 

I have previously submitted an Identity Theft Affidavit, an Affidavit of Truth, and copies of my identifying information to each of the credit bureaus via certified mail, which has been received as evidenced by the return receipts. These documents clearly establish that the following accounts are fraudulent and must be deleted immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I stated Under the Fair Credit Reporting Act ( 15 U.S.C. 1681-1681x ), you are required to investigate and delete any information that can not be verified as accurate within 4 business days when identity theft has been properly reported. Specifically : 15 U.S.C. 1681c-2 mandates that credit reporting agencies block fraudulent information within 4 days of receiving an identity theft report and proof of identity.

15 U.S.C. 1681i ( a ) ( 5 ) requires the deletion of inaccurate or unverifiable information following a reasonable investigation.

Failure to comply with these obligations has been adjudicated in the following court cases, which highlight your liability and lack of compliance : XXXX v. XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Failure to remove inaccurate information after proper notice constitutes willful noncompliance with the FCRA. 

XXXX v. TransUnion, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Credit reporting agencies are liable for damages when they fail to conduct reasonable investigations.

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 2024-12-16 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: CITIBANK, N.A.
State: GA

Complaint narrative:
I am writing to formally dispute an unauthorized inquiry on my credit file under the name XXXX  dated XX/XX/year>, originating from : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX This inquiry was conducted without my authorization or any permissible purpose as outlined under the Fair Credit Reporting Act ( FCRA ), specifically 1681b. As you are aware, conducting an inquiry without a valid legal purpose constitutes a direct violation of my consumer rights. 

Demand for Resolution To resolve this issue, I demand the following actions : Immediate Removal of the Unauthorized Inquiry : The inquiry must be removed from all credit reporting agencies. 
Statutory Damages : Issue me the {$XXXX} in statutory damages, as provided for under 1681n of the FCRA.

Non-Admittance of Wrongdoing : I am willing to resolve this matter amicably without requiring your client to admit liability or wrongdoing, provided my demands are promptly met. 
Notice of Potential Litigation and Estimated Costs If this matter is not resolved within 14 days, I will be forced to pursue legal action to protect my rights. In addition to statutory and actual damages, I will also seek to recover litigation costs. Below is an itemized estimate of the financial burden XXXX  XXXX XXXX incur if litigation is pursued : Expense Item Estimated Cost Attorney Retainer Fee {$XXXX} - {$XXXX} Court Filing Fees {$XXXX} - {$XXXX} Discovery Costs ( documents, depositions, etc. ) {$XXXX} - {$XXXX} Expert Witness Fees ( if applicable ) {$XXXX} - {$XXXX} Travel Expenses ( for hearings ) {$XXXX} - {$XXXX} Additional Attorney Hours {$XXXX} - {$XXXX} per hour Reputational Damage ( intangible, but significant ) Variable Total Estimated Litigation Costs : {$XXXX} - {$XXXX}, excluding potential damages awarded in court. 

XXXX for XXXX To avoid these unnecessary costs, I encourage you to address this dispute promptly. Confirm in writing within 14 days of receipt of this letter that : The inquiry has been removed. 
The {$XXXX} statutory damages payment will be issued.

Resolving this matter now is in your best financial and reputational interest. If you fail to act, I will have no choice but to seek full legal remedies, including actual damages, which will only increase your liability. 

This letter serves as formal notice under the FCRA. I trust you will recognize the importance of addressing this issue 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 2024-12-16 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: NJ

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of XXXX  XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company informationTransunion. Please delete the following accounts. 
XXXX XXXX  DATE OPENED : XX/XX/year> 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