vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Dear NATIONAL CREDIT ADJU I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: IL

Complaint narrative:
DEBT VALIDITY REQUEST SENT. INACCURATE INFORMATION ON MY CREDIT REPORT / FILE.

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 2025-01-13 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: EQUIFAX, INC.
State: IL

Complaint narrative:
DEBT VALIDITY REQUEST SENT. INACCURATE INFORMATION ON MY CREDIT REPORT / FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
DEBT VALIDITY REQUEST SENT. INACCURATE INFORMATION ON MY CREDIT REPORT / FILE.

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 2025-01-12 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: NV

Complaint narrative:
My information was exposed in a data breach According to 15 USC 1681 Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.

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 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CREDIT WORLD SERVICES, INC.
State: MO

Complaint narrative:
To Whom It May Concern, I am filing this complaint regarding a paid collection account listed on my credit report with the following details : Creditor Name : Credit World Services Inc. 
Account Number : XXXX Original Amount : {$170.00} Status : Paid in Full as of XX/XX/XXXX Current Reporting Information : Date Reported : XX/XX/XXXX Date of First Delinquency : XX/XX/XXXX Balance Date : XX/XX/XXXX Last Payment Date : XX/XX/XXXX Status : Paid The credit bureau has recently verified this account as belonging to me and updated certain fields, including the Additional Information, Balance Date, and Status Date following my dispute. While I appreciate their efforts to update the information, I believe that the continued reporting of this account as a derogatory mark is unfair and damaging, given the following reasons : 1. Account Fully Paid for Several Years : This debt was fully resolved on XX/XX/XXXX, over 4 years ago, and the continued reporting of this paid derogatory account unfairly penalizes me for a debt that is no longer relevant to my current financial standing.

2. Impact of Reporting Inaccuracies : Although the account has been marked as XXXX, the updated reporting date of XX/XX/XXXX makes it appear more recent than it truly is. This reporting practice disproportionately impacts my creditworthiness, as the debts age should diminish its effect on my credit score.

3. Fair Credit Reporting Act ( FCRA ) Compliance : Under the FCRA, credit reporting must be accurate, fair, and not misleading. While the technical accuracy of the reporting may be valid, the use of an updated status date and continued derogatory reporting misrepresents the relevance of this account to my financial history. 
4. Request for Goodwill Adjustment Ignored : I have attempted to work with Credit World Services Inc. to request a goodwill adjustment for removing this account from my credit report, but they have been unresponsive.

I respectfully request the CFPBs assistance in : Investigating the continued reporting practices of Credit World Services Inc. regarding paid accounts.

Encouraging the creditor to remove this paid account from my credit report as a goodwill adjustment. 

Attached are supporting documents showing the dispute results, confirmation of the updated Paid status, and the timeline of this account. 

Thank you for your time and assistance. I look forward to your help in resolving this matter so that my credit report accurately reflects my current financial responsibility. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: MA

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT & XXXX XXXX, AFTER FINALLY GAINING BACK ACCESS TO MY PERSONAL INFORMATION I NOTICED A SLEW OF ACCOUNTS THAT I NEVER CONSENTED TO BEING OPENED NOR HAVE I UTILIZED. I WAS ABLE GET SOME ASSISTANCE WITH VIEWING ALL MY CONSUMER REPORTS AND CONTACTING THE CREDIT REPORTING AGENCIES. CONTINUING TO FURNISH THESE FRAUDULENT ACCOUNTS TO MY CREDIT REPORT IS IN VIOLATION OF BOTH 15 USC 1681 C-2 AND 15 USC 1681 C-3. EACH REPORTING AGENCY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY AND DUE TO THE UNFORTUNATE EVENTS, THESE ACCOUNTS WERE SUBJECT TO REMOVAL WITHIN 4 BUSINESS DAYS. AS I HAVE GOTTEN BACK ON MY FEET, THESE ACCOUNTS ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN NEW LINES OF CREDIT FOR MYSELF. MY CONSUMER LAWS ARE BEING VIOLATION WITH THESE FRAUDULENT ACCOUNTS BEING REPORTED.

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 2025-01-12 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: W&A Intermediate Co., LLC
State: MS

Complaint narrative:
Original issue : Wakefield & Associates sent me a bill for over $ XXXX for a simple one way ambulance trip to the local hospital. I provided the original service ( XXXX ) with my active XXXX  insurance details at the time, as well as upon receipt of the first bill. XXXX sold this to collection agency Wakefield. Wakefield continued to bill me directly and never attempted to collect from my insurance company, despite multiple communications from me providing the insurance information. Wakefield also calls me multiple time a week, despite a request for no contact. 

Medical debt : this is medical debt which I have disputed being on my credit report with XXXX. I was financially in poverty at the time and receiving government benefits. XXXX quickly " investigated '' and failed to remove the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to formally request the removal of hard inquiries from my credit report that were made without my consent or for permissible purposes as outlined in the Fair Credit Reporting Act. According to the Fair Credit Reporting Act, a hard inquiry may only beconducted with the consumer 's permission for a specific purpose, such as applying for credit. As I have not authorized thmese inquiries, I respectfully urge you to investigate this matter and expedite the removal of the fraudulent inquiries from my credit file. 

XXXX XXXXXXXX XXXX -- XX/XX/year> 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 2025-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: NJ

Complaint narrative:
I had my statement come in XX/XX/year> and have had nothing but issues since in the statement it says that I deposited XXXX was deposits then says purchases XXXX my balance should be XXXX it then says transfers XXXX tose transfers were me transferring money from my credit card account to my checking account refused to give me any information on my funds so I continued my account and now In XXXX we had the same issue and reapeaatly had this same cycle over and over every month I had recently put a complaint in with XXXX AND INSTED THEY HAVE NOW TAKEN IT UPON THEMSELVES TO CLOSE MY ACCOUNT BUT YET THEY HAVE FAILED TO RETURN ANY OF MY MONEY FROM MY ACCOUNTS FROM THE NUMEROUS UNAUTHORIZED TRANSACTIONS AS WELL AS ANY OF THE OTHER MONIES IN QUESTION NOR HAVE THEY GIVEN ME ANY DOCUMENTS IN REGARDS TO THERE SUPPOSED INVESTIGATIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: McCarthy, Burgess & Wolff, Inc.
State: TX

Complaint narrative:
I had one account with XXXX XXXX that went into collections for the amount of {$160.00} XXXX XXXX then duplicated the account into other payment amounts {$340.00} and {$210.00}, which are inadequate. Instead of resolving the issue with me XXXX reported the inadequate amounts to the credit bureaus creating a substantial drop in me credit score and then falsified invoices with the amounts and sold to a debt collector by the name of McCarthy, Bruges and Wolf.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
A check issued on my behalf by XXXX XXXX  was dishonored by XXXX XXXX XXXX  with the cryptic reason " refer to maker ''. Ally has investigated and found evidence that the check was paid. XXXX XXXX refuses to give any information. 

The check itself has the phone number of " Payment Processing Center '' which seems to be not XXXX XXXX but a company named Northern Trust. 

As far as I can determine, filing a complaint here is my only way of figuring out why this check was not paid and what happened to my money.

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 2025-01-13 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: TN

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 2025-01-12 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: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I am challenging the accuracy of this account as listed on my credit report. The reported balance and charge-off status are incorrect because the account was fully resolved in the past. This inaccurate information is harming my creditworthiness, and I request an immediate investigation. Please update my credit report to remove this error and inform me once the correction is completed. It is essential that my credit report accurately reflects my financial history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
i am submitting this complaint against Experian for failing to comply with the FCRA specifically 15 usc 1681c-2 which mandates the blocking of information resulting from identity theft within 15 days upon receiving the proper documentation as requested. i am a victim of identity theft and despite submitting the necessary evidence Experian and has failed to block the information within the required timeframe.

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 2025-01-12 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX TransUnion XXXX XXXX XXXX, PA XXXX RE : Trafficking Block Request Your Account Number ( if known ) Dear Sir or Madam : I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX ACCOUNTS XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX CREDIT CARD XXXX XXXX XX/XX/XXXX CREDIT CARD XXXX XXXX  XXXX XX/XX/XXXX CREDIT CARD XXXX XXXX XXXX XXXX XX/XX/XXXX CREDIT CARD DEPT OF EDUCATION XXXX XX/XX/XXXX Educational DEPT OF EDUCATION XXXX XX/XX/XXXX EDUCATIONAL DEPT OF EDUCATION XXXX XX/XX/XXXX EDUCATIONAL DEPT OF EDUCATION XXXX XX/XX/XXXX EDUCATIONAL DEPT OF EDUCATION XXXX XX/XX/XXXX EDUCATIONAL SELF XXXX XX/XX/XXXX INDIVIDUAL SELF XXXX XX/XX/XXXX INDIVIDUAL XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX NOTE LOAN XXXX XXXX XX/XX/XXXX CHECK CREDIT OR LINE OF CREDIT XXXX XXXX XX/XX/XXXX CHECK CREDIT OR LINE OF CREDIT XXXX XXXX XXXXXXXX XX/XX/XXXX UNSECURED XXXX XXXX XXXX XXXX XX/XX/XXXX UNSECURED XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX INDIVIDUAL XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX INDIVIDUAL XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 


Sincerely, 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 2025-01-12 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: MS

Complaint narrative:
This is in violation of my rights reporting these accounts on my credit. I have a right to my privacy. 15 U.S.C. Code 1681 ( a ) ( 4 ). There is no need to ensure the consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. There has been lack of supporting evidence. I have not received any credible documentary evidence proving the information is valid. Compliance with FCRA mandates necessitates the prompt removal of unverified information. The XXXX  on my credit report are inaccurate. Also, I contacted the XXXX  XXXX, and they said they did not report this XXXX  to credit reporting agencies, Pacer did. Pacer wrote and said they did not report this XXXX. This is violating my rights, and I believe this disclosure to be in violation of the Gramm-Leach-Bliley Act ( 15 USC 6803 ).

According to the Gramm-Leach-Bliley Act, financial institutions are required to provide individuals with disclosures and an opportunity to opt out before reporting any non-public information. It has come to my attention that this has been reported without adhering to these legal requirements. 
Therefore, I am formally revoking any and all consent, whether express or implied, to report my non-public personal information. I kindly request that these accounts be deleted from my consumer 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 2025-01-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
Name : XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX ID TYPE : identification ID # : XXXX Address : XXXX XXXX XXXX XXXX ks XXXX I am writing to request these inquiries are r emoved from my credit report. of the following information that appears on my TransUnion XXXX report. I have NEVER requested credit from the following accounts : XXXXXXXX XXXX XXXXXXXX XXXX : XXXX XXXX, XXXX + Credit Unions and Finance Companies Other Than Personal Finance Companies XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX + Banks XXXX XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX and Finance Companies Other Than Personal Finance Companies XXXX  Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Credit Unions and Finance Companies Other Than Personal XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX, XXXX + Credit Unions and Finance Companies Other Than Personal XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX XXXXnquiry : XXXX XXXX, XXXX + Automotive XXXX Inquiry : XXXX XXXX, XXXX + Banks XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX Inquiry : XXXX XXXX, XXXX + Banks XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX  Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + I don't recognize the following accounts in question. I'm a victim of identity theft and I don't recognize these accounts on my report. I'm requesting the following information be deleted from my XXXX 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 2025-01-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I filed XXXX  approximately XXXX years ago. The Loan company wasn't included because they were current, as of to date I haven't missed payment. I was told that I need to hire an attorney to reaffirm the account, is that true?

Company response to consumer: Closed with explanation