vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
ACCOUNT # XXXX These debts youre trying to collect I dont agree with them at all, and I think the amounts youre saying I owe are wrong. Dont bother sending me any proof I'm not interested. I know what's what and showing me proof wont change a thing. If you need to reach me, do it by email only between XXXXXXXX XXXX and XXXX XXXX  EST. Dont send any usps, ups, fedex or courier mail and no phone calls and voicemails because it is just a hassle and inconvenience. Just setting the record straight. ACCOUNT # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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: DISCOVER BANK
State: DC

Complaint narrative:
On XX/XX/XXXX I responded to Discover Card Customer Services to Dispute an Invalid Charge. 
The Service Request was Cancelled by the Merchant c
alled XXXX by the designated cleaner named XXXX. Therefore I NEVER RECEIVED the cleaning SERVICE. 

I provided the documentation to Discover Card Customer Service confirming that On XX/XX/XXXX @ XXXX XXXX cancelled via XXXX web portal which read Hi XXXX , Im sorry I wasnt available for your cleaning Today Monday XX/XX/XXXX XXXX because I unfortunately have to attend to a family emergency. 
XXXX XXXX followed up with Unfortuanately no Pro was available during one of your backup times. You wont be billed for this, and any unused charges are still on your account. 

On XX/XX/XXXX I received ( The Attached ) email confirming the cancellation Signed by XXXX, XXXX 
Also : Be advised you must remove the dispute from Consumer Reporting Agencies as you are falsely reporting inaccurate information in my name. 


XXXX XXXX XXXX Merchant : XXXX XXXX  Dispute amount {$81.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Mi. XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Unauthorized Account Activity Due to Identity Theft Dear CFPB, I am writing to formally dispute certain transactions or accounts that have been opened in my name without my consent, as I believe I have been a victim of identity theft. Especially when my Information was exposed in the data breach. You have to remove this information, dont turn my dispute into a third day dispute under section XXXX this should be removed within XXXX  days. Please consider this letter as a formal notice of dispute regarding the following unauthorized activity : Any hard Inquiries done in 2024 I didnt open any or give permission to anyone to do so. 

XXXXXXXX XXXX XXXX XXXX I appreciate your prompt attention to this matter and expect a response within XXXX  days, as required under the Fair Credit Reporting Act. 
Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: Nelnet, Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Mi. XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Unauthorized Account Activity Due to Identity Theft Dear CFPB, I am writing to formally dispute certain transactions or accounts that have been opened in my name without my consent, as I believe I have been a victim of identity theft. Especially when my Information was exposed in the data breach. You have to remove this information, dont turn my dispute into a XXXX  day dispute under section XXXX this should be removed within XXXX  days. Please consider this letter as a formal notice of dispute regarding the following unauthorized activity : Any hard Inquiries done in 2024 I didnt open any or give permission to anyone to do so. 

XXXX XXXX XXXX XXXX I appreciate your prompt attention to this matter and expect a response within XXXX days, as required under the Fair Credit Reporting Act. 
Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC
State: GA

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so i may review to see if this is actually an a account that belongs to me. I also would like to add that I went on licensing database XXXX and noticed that WAKEFIELD & ASSOCIATES does not have a license to collect debt in the state of Georgia which is the state that I reside in.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: NJ

Complaint narrative:
Subject : Violation of FCRA Sections 623 and 15 U.S.C. 1681 Dear CFPB, I am submitting this complaint regarding an account reported by Experian related to my XXXX XXXX XXXX account. 

XXXX The information related to a late payment should not appear on my credit report due to violations of the Fair Credit Reporting Act ( FCRA ), including : 1. Violation of FCRA Section 623 ( 15 U.S.C. 1681s-2 ) : a. Failure to Ensure Maximum Possible Accuracy The furnisher of this information has an obligation under Section 623 ( a ) ( 1 ) ( B ) to ensure maximum possible accuracy in the information they provide. However, there is no evidence that they conducted a proper investigation or verified the legitimacy of this late payment as required by law.

b. Failure to Investigate Disputes Under Section 623 ( b ), when a dispute is raised, the furnisher is required to investigate and provide sufficient evidence to verify the information. To date, the furnisher has not provided original documentation ( such as signed agreements or proof of proper notice ).

2. Violation of 15 U.S.C. 1681 Exclusions : Per 15 U.S.C. 1681a ( b ), information that is solely related to transactions or experiences between the consumer and the creditor should not be shared in a consumer report.

Late payments, as a transactional experience, appear to fall under this exclusion and should not be reported to credit reporting agencies.

3. Request for Removal of the Late Payment This single late payment has significantly harmed my credit score, and I believe the furnisher did not follow proper procedures required by the FCRA. I request : 1. The removal of this late payment from my credit report due to the reasons outlined above.

2. The furnishers compliance with all duties under FCRA Sections 623 and 15 U.S.C. 1681.

If the furnisher can not provide signed original agreements or other verifiable documentation as required by law, the CFPB should require its removal. 

Thank you for investigating this matter and ensuring fair practices for all consumers. 

Sincerely, 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 2025-01-02 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:
Fathers information is connected to credit opened on my 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 2025-01-02 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-01-02 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: PA

Complaint narrative:
Incorrect information being reported Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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: PA

Complaint narrative:
Incorrect information being reported Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Harris & Harris, Ltd.
State: MA

Complaint narrative:
I am unaware of this debt. I did not have an opportunity to dispute this information. I did not receive proper notification. If, in fact, you believe I received proper notification, then please provide the certified mail, with the receipt of my signature on there stating that I received it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Inquiries i don't autorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: FL

Complaint narrative:
Inquiries i don't autorize 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 2025-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I've been dealing with major issues for the past 5 months accessing my money after doing an ach transfer. I used to have a XXXX savings account and I transferred a total of {$13000.00} to Marcus by Goldman Sachs. The funds were fully available or else XXXX wouldn't have let me transfer the funds. I closed my XXXX XXXX account on XX/XX/year> because I thought I wouldn't need it since I wasn't earning much interest having that account open. Early XXXX, XXXX by Goldman Sachs froze my account then eventually forced closed the XXXX account on XX/XX/XXXX and wouldn't provide me a reason why they closed it. Since the account was forced closed they attempted to send the funds back to my XXXX XXXX account through ACH transfers because it's the funding account. The account is closed so the transfers keep getting rejected. Marcus decided to send a check to XXXX Operations center and the address is XXXX XXXX XXXX, XXXX XXXX Texas, XXXX. The check is payable to XXXX but has my account savings account number as a reference to show what account it came from. The check arrived on Monday XX/XX/XXXX but the Security department at XXXX told me that they received the check but it was returned back to Marcus by Goldman sachs. I don't know why Marcus keeps sending my funds to a closed bank account either by check or by ach transfer when I don't have any account with XXXX. I haven't heard any responses yet on how I will get my funds back and theyre holding my money hostage. I'm willing to fill out an affidavit form and send my XXXX statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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: MA

Complaint narrative:
I PULLED MY EXPERIAN CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT INQUIRIES THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE. 



In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2025-01-02 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: FL

Complaint narrative:
I discovered that my personal information was used without my consent to open accounts or make unauthorized purchases. I did not initiate or authorize any of the transactions or accounts associated with my name. I believe my identity was compromised through theft or fraud, and I immediately took steps to report the issue to the authorities and the affected companies. Despite these efforts, the companies involved have not fully resolved the matter or removed the fraudulent charges and accounts from my credit report. 



Acknowledge that the accounts and transactions are fraudulent. 
Immediately remove all fraudulent account and Unauthorized Inquiries charges from my credit report. 
Ensure that no further collection attempts or negative marks are made related to these fraudulent accounts. 

Provide me with written confirmation that my personal information has been secured, and that no further unauthorized actions will occur under my name. 

Compensate me for any damages or negative impacts to my credit score and personal life resulting from this identity theft.

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 2025-01-02 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: FL

Complaint narrative:
I discovered that my personal information was used without my consent to open accounts or make unauthorized purchases. I did not initiate or authorize any of the transactions or accounts associated with my name. I believe my identity was compromised through theft or fraud, and I immediately took steps to report the issue to the authorities and the affected companies. Despite these efforts, the companies involved have not fully resolved the matter or removed the fraudulent charges and accounts from my credit report. 



Acknowledge that the accounts and transactions are fraudulent. 
Immediately remove all fraudulent account and Unauthorized Inquiries charges from my credit report. 
Ensure that no further collection attempts or negative marks are made related to these fraudulent accounts. 

Provide me with written confirmation that my personal information has been secured, and that no further unauthorized actions will occur under my name. 

Compensate me for any damages or negative impacts to my credit score and personal life resulting from this identity theft.

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 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Re : Cease and Desist Request - 15 U.S.C. 1692c Dear Sir/Madam, I am writing to formally request that you immediately cease and desist all communication with me regarding the alleged debt you are attempting to collect. Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c, I have the right to request that you stop contacting me about this matter. 

I do not wish to receive any further communications from XXXX XXXX XXXX, including, but not limited to, phone calls, letters, or any other form of contact. This request is being made in accordance with my rights under federal law, and you are legally obligated to comply. 

Please take notice that if you continue to attempt to contact me in any manner after receiving this letter, I will consider this a violation of the Fair Debt Collection Practices Act and may pursue legal action against you for harassment and other potential violations. Further, I will also file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and my states attorney general 's office if necessary. 

This letter does not waive any of my legal rights, nor does it acknowledge the validity of the alleged debt. I also request that you immediately cease reporting any inaccurate or unlawful information regarding this debt to the credit bureaus. 

Please provide written confirmation that you have received and are adhering to this request within 15 days of receipt of this letter. 

Thank you for your prompt attention to this matter. 
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 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In it's clearest form, the XXXX fraudulent XXXX XXXX accounts should be blocked or deleted from credit file. All data are presented in federal Trade Commission Identity Theft Report. The report number is 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