vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-28 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:
It has come to my attention my personal information has been exposed in a national data breach. Other reviewing my credit reports I noticed some accounts I am not familiar with. I have asked the CRAS for validation of debt, however, the information has not been provided Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with. Please find attached a copy of My ID, SSN, The FTC complaint, a copy of the XXXX report showing my information being exposed in a national data breach and a Validation of the debt letter.

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 2024-12-28 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: GA

Complaint narrative:
I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items 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 2024-12-28 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:
I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
the following list of credit pull is unknow to me I did not ask for my credit to be pulled or did I tell anyone they can pull my report this is not right how can a credit pull your file with out me saying so here is a list of the credit pulls XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XXXX  XX/XX/year> please remove these from my file because I do not know anything about these credit pull please

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On or about XX/XX/year>, Chase Bank contacted me about suspicious activity on my credit card. Someone had charged {$640.00} for tickets to XXXX XXXX  XXXX XXXX. I have never been to XXXX XXXX XXXX XXXX and told Chase Bank in a phone call they recorded that the charge was not authorized by me. Chase Bank reversed the charge. However, there was another charge immediately before the {$640.00} for XXXX XXXX XXXX XXXX for another {$640.00} that Chase Bank is insisting was authorized by me after I have repeatedly told them I did not authorize either {$640.00} charge. I appealed their ruling 3 times and Chase Bank is refusing to credit me for the fraud. I have read online complaints by other Chase Bank card holders who have also been scammed and Chase Bank held the card holders accountable for unauthorized charges. I am shocked that Chase Bank does not uphold ethical business practices to protect their customers from fraudulent activity and have severed my relationship with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-28 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: NY

Complaint narrative:
An item that has resulted from fraud which I never benefitted from still appears on my report and you continue to put this false and fraudulent information on my credit. This is incredibly insulting and a defamation of my character, it's stressing me out knowing that my rights are being violated as a consumer. This is already reported to the Federal Trade Commission but nothing is removed.

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 2024-12-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: VA

Complaint narrative:
XX/XX/year> Columbia Debt Recovery XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, WA XXXX RE : Notice of Violation of the Fair Debt Collection Practices Act Dear Columbia Debt Recovery, I am writing to formally notify you that your attempts to collect on the alleged debt referenced above are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 16921692p. If you are not aware this entire claim is regulated by an arbitration agreement with XXXX, which clearly stipulates that any dispute must be resolved through arbitration due to the binding agreement. To date there has been no arbitration proceedings. As a direct result of that this is considered a material breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that you have no right to collect on this alleged debt. 

I am writing this as I humbly seek to have this discrepancy resolved both promptly and amicably. 

With that, my demands are as follows : 1. You must promptly notify any credit reporting agency to remove all information and/or tradelines associated with this account. I request a written confirmation of that communication to be sent to the address you have on file ; 2. A settlement agreement that I may retain for my records.

3. Monetary compensation in the amount of {$1000.00}.

While I do not desire or anticipate that your negligence may force me to purse further legal action, that option will be explored. In the event that needs to happen, you are subject to a significant increase in demands to cover damages, attorney fees, and more. I am sure a company of your caliber does not look to unreasonably be exposed to those routes. 

Thank you for your immediate attention to this matter. We look forward to resolving this issue promptly. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: CL Holdings LLC
State: CA

Complaint narrative:
Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX Date of Birth : XX/XX/year> Last 4 SSN : XXXX To Whom It May Concern, I am not liable for this debt with XXXX XXXX, I do not have a contract with Jefferson Capital Syst, they did not provide me with the original contract as I requested. Jefferson Capital Syst called me and said I have to pay that debt i told them that I refuse to pay because I am not responsible for this debt, i also told them to send me the original contract with my signature on the original contract that I signed but until Jefferson Capital Syst, proved me with the original contract they have to remove asap from my credit reports. 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any Debt This item was purchased by a Third Party Debt Collector ( Jefferson Capital Syst ). This account must be deleted as the status is not correct, the amount is not accurate, and the account was paid for less than owed by the Third-Party Debt Collector. As you can see from my credit reports and highlighted issues. This information is NOT CORRECT & NOT ACCURATE. Therefore, it must be DELETED IMMEDIATELY. Here is the account name : Jefferson Capital Syst and Account number : XXXX for reference and incorrect amount also. How much did the collection company pay for this item? I don't know and neither does my credit report reflect such amounts. This is a clear violation of the FCRA as this is not accurate or complete. DELETE THIS IMMEDIATELY! Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: SC

Complaint narrative:
On XX/XX/2024 Experian received a certified mail regarding my personal credit. They then sent me an email stating that they received a suspicious request in the mail regarding my personal credit report and determined that it was not sent by me when the mail was indeed sent by 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 2024-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bounce AI, Inc.
State: FL

Complaint narrative:
Date : XX/XX/year> Name : XXXX XXXX Creditor Name : Bounce AI Creditor Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX To Whom It May Concern : I am writing to formally dispute the account referenced above, which has been reported to credit bureaus and is being pursued for collections by Bounce A.I. This account was originally owned by XXXX and has already been charged off. Additionally, XXXX has received a tax credit from the IRS for this charge-off, rendering further collection attempts inappropriate and potentially unlawful. 
Under 15 USC 1692g of the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that Bounce A.I. provide validation of this debt, including but not limited to : 1. Proof of the original debt and the amount owed, including an itemized accounting of the balance.

2. Proof of your legal authority to collect this debt.

3. Documentation of ownership of the debt since it was charged off.

Without the provision of these documents, any attempt to collect or report this debt is a violation of federal law and must cease immediately. Additionally, creditors who charge off debts and receive a tax benefit are required to issue a Form 1099-C to the debtor. I have not received such a form, further casting doubt on the validity of this debt.

If Bounce A.I. is unable to provide the required proof and validation, this debt must be removed from my credit reports immediately. Any continued reporting of this debt to credit bureaus without proper validation is a violation of my rights under the FDCPA and the Fair Credit Reporting Act ( FCRA ).

You have 14 days from the receipt of this letter to respond to this dispute and confirm in writing that this account has been removed from my credit reports and that all collection activity has ceased. Failure to comply will result in the following actions : 1. I will file a formal complaint with the IRS regarding this fraudulent activity.

2. I will pursue legal action against Bounce A.I. and any other involved parties for inaccurate and illegal reporting of information to credit bureaus. 
Please consider this letter a formal notice of dispute. I trust you will act promptly to rectify this matter. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: NY

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 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: CA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately from my credit report :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 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: CA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from 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 2024-12-28 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:
Background of the Issue : On multiple occasions, I have reached out to Experian via certified mail, phone calls, and online requests to report instances of identity theft and fraudulent activity. Each time, I have provided proper documentation in accordance with the law. Despite these attempts, Experian has failed to take appropriate action to block or remove and delete the fraudulent accounts and addresses from my credit report. 

Violations of Federal Law : 1. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681c-2 : According to the FCRA, credit reporting agencies are required to block any information related to fraudulent accounts upon the consumer 's request, provided that the consumer has submitted the necessary documentation, such as a police report or identity theft report. The fraudulent accounts and addresses on my report fall under this category, yet Experian has continued to report them.

2. FCRA - 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : The FCRA mandates that credit reporting agencies investigate disputes within 30 days. My repeated requests for investigation and removal of fraudulent information have gone unresolved, which constitutes a clear violation of this provision. The documentation I provided clearly shows that the accounts in question were opened without my consent or knowledge. 

3. FCRA - 15 U.S.C. 1681e ( b ) : The law requires that credit reporting agencies maintain accurate records. Experian 's failure to remove the fraudulent accounts and addresses directly contravenes this requirement and has harmed my creditworthiness and financial reputation.

4. Identity Theft and Assumption Deterrence Act - 18 U.S.C. 1028 : This act defines identity theft as the use of someones personal information without authorization. I have reported the fraudulent activity as required, yet Experian has not taken reasonable steps to protect my identity or prevent the reporting of these fraudulent accounts. 

Conclusion : Experian 's ongoing failure to comply with federal law, despite my repeated requests and provision of evidence, constitutes a violation of my consumer rights. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and ensure that Experian takes immediate action to resolve these violations.

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 2024-12-28 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
I am submitting this complaint against TD Bank regarding my Target Credit Card account. I have recently requested essential documentation related to my account, including : Account statements showing transaction and payment history. 
Detailed payment ledgers. 
Any account agreements, terms, and conditions. 
Documentation related to fees, interest charges, and adjustments. 
This is my first attempt at formally requesting these documents. I made this request directly to TD Bank on [ insert the date of your request ] via [ method used, e.g., phone, email, or mail ]. As of today, I have not received a response or acknowledgment from TD Bank. 

It is important for me to review this documentation to verify the accuracy of my account and ensure proper account management.

Company response to consumer: Closed with non-monetary relief