vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

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 XXXX XXXX which falls under XXXX according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly reported request that you block this information from my credit report within four business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information. Please delete the following accounts : XXXXXXXX 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
According to the Fair Credit Reporting Act ( FCRA ) Section XXXX. It is illegal to report information on my credit report without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
According to the Fair Credit Reporting Act ( FCRA ) Section XXXX. It is illegal to report information on my credit report without my permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 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: FL

Complaint narrative:
incorrect information in my credit report, date, opened, high, balance, date, reported, last payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 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: DISCOVER BANK
State: MD

Complaint narrative:
Discover Bank opened a account up on XX/XX/year> in the amount of {$8100.00} I have already filed an FTC report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: W&A Intermediate Co., LLC
State: TX

Complaint narrative:
I am writing to formally request documentation regarding a collection account that has been reported to my credit file. Specifically, I am requesting the following information : A signed agreement indicating that the original creditor was not paid, as well as proof of any signed agreement showing that I agreed to pay this debt to the collection company. 

Evidence that the collection company has not paid the original creditor, along with proof that I have explicitly agreed to pay this debt in the event that the original balance was not covered. 

A clear statement showing the balance due.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Chime Financial Inc
State: CA

Complaint narrative:
Chime has a reloadable debit card from XXXX XXXX around XXXX I purchased the card and loaded XXXX dollars to it I end up going to XXXX XXXXXXXX XX/XX/year> and when I got out they/chime card company said they dont work with the reloadable card department and they didnt have any numbers for me, I went to numerous XXXX to find the exact card but couldnt find one the company also told me to go find that card in the store and call the number on the back. I would think they would have some record but they didnt and when I brought the card I only provided my social birthday and debit card information I was transferring from they say they have no records but I know for a fact I brought a reloadable chime card I dont have no card information or nothing I just got out of XXXX  and need my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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: TX

Complaint narrative:
Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the XXXX mentioned stated below : My full name is : XXXX XXXX XXXX XXXX My correct date of birth : XX/XX/year> My correct address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas, XXXX Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. 
Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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: Freedom Mortgage Company
State: AK

Complaint narrative:
Freedom Mortgage reported a delinquent account to all three credit reporting bureaus. This account is not my account. The account was assumed by my ex-husband in 2021. The original creditor has verified that the account was assumed, and that the mortgage is not my responsibility. They have provided that information to Freedom Mortgage, but Freedom has not removed the delinquent payment report from my credit files.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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: TX

Complaint narrative:
Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the XXXX mentioned stated below : My full name is : XXXX XXXX XXXX XXXX My correct date of birth : XX/XX/year> My correct address XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Texas, XXXX Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. 
Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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: TX

Complaint narrative:
Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX XXXX My correct date of birth : XX/XX/XXXX My correct address isXXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas, XXXX Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. 
Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This account was charged off on the following date : XX/XX/year> Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. I am demanding a deletion of the following account : Accounts Name : XXXX XXXX XXXX Account Number : 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 2024-11-02 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: CA

Complaint narrative:
I have numerous times requested this item be removed from my credit report, because this item was purchased by a third-party debt collector, XXXX XXXX XXXX XXXX And it still has not been done yet. The amount of {$630.00} and the status is not correct, nor is it accurate. This account was paid for less than owed by the third-party debt collector. How much did the collection company pay for this item, I don't know and neither does my credit reflect such an amount This is clearly a violation of the FCRA, section 609 and 611. Therefore, this item must be deleted IMMEDIATELY. See attached docs. 

Also, I have submitted numerous times as far back 2023 verification of my full name. This still has not been corrected. My name is NOT XXXX XXXX XXXX It is XXXX XXXX XXXX. Please correct immediately. See attached SS card and Drivers License.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: AVANTE
State: MD

Complaint narrative:
Agent of Avante USA came to my home stating he was there to repossess a lawn tractor. The agent was hired by an agency named Avante. I contacted XXXX XXXX to get an explanation of why the subject was at my residence. I was advised that my account had been forwarded to collections for missed payments and I would have to speak with Avante. I contacted Avante to inquire about the amount owed. Avante refused to provide the amount of the alleged debt, would not advise how or where four payments had been applied. Avante stated that they would have to repossess the equipment prior to providing any proof of the debt or accepting any payment. They stated that they would have to take the equipment, assess the value prior to providing me with any information of the alleged debt. Additionally, Avante could not provide any proof of prior attempts to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I recently reviewed my credit report and I was stunned by the information furnished on my report. I have filed a FTC complaint because I do not know where these accounts came from. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI want a manual investigation into this matter because as stated before I never entered into a consumer credit transaction with any of these data furnishers. I am sure that you are well aware that current case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The courts have ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by FCRA 15 U.S.C & 1681 [ a ] ( 4 ) You have NOT provided me a copy of Any original documentation that you have on file that is required under Section 609 & Section 611 [ a ] ( 1 ) ( A ) ( a consumer contract with my signature on it and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to Promptly DELETE all information which can not be verified

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 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: SC

Complaint narrative:
I recently reviewed my credit report and I was stunned by the information furnished on my report. I have filed a FTC complaint because I do not know where these accounts came fromXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI want a manual investigation into this matter because as stated before I never entered into a consumer credit transaction with any of these data furnishers. I am sure that you are well aware that current case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The courts have ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by FCRA 15 U.S.C & 1681 [ a ] ( 4 ) You have NOT provided me a copy of Any original documentation that you have on file that is required under Section 609 & Section 611 [ a ] ( 1 ) ( A ) ( a consumer contract with my signature on it and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to Promptly DELETE all information which can not be verified

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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: EQUIFAX, INC.
State: WY

Complaint narrative:
I am contacting you about the compromising of my social security number.i am a victim of identity theft/data breach.i contacted the federal trade commission and filed an ftc report numberXXXX which is attached.please block remove all negative accounts listed below from my credit report and send me an updated copy of the credit report.i have submitted numerous dispute letters and you have taken advantage of my federally protected rights under15u.s.c1681c2. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX balance $ XXXXon XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXy acount # XXXX balance {$1400.00} on XXXX equifax and experian ( XXXX XXXX XXXX XXXX XXXX account # XXXX balance {$26000.00} on XXXX  and equifax ( XXXX XXXX XXXX XXXX XXXX XXXX acount XXXX XXXX  balance {$6500.00} on equifax and XXXX please block delete the aforementioned accounts within XXXX business days of receiving this complaint in accordance to 15 usc 1681c-2 the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within XXXX business days.failure to respond satisfactory will result in a small claims action against your agency.i will be seeking damages but not limited to and each violation is a statutory cost of {$1000.00} each per 15 usc 1692k : 1.defamation of character. 2.neglegent enhancement of idenity fraud. 3.violation of the fair credit reporting act 4.violation under 15 usc code 1681o-civil liability for negligent non compliance. 5.violation under 15usc 1681n ( b ) civil liability for willful non compliance.i am enclosing a credit report from today that has all of the inaccurate inconsistent incomplete information being reported highlighted.it is the data furnishers responsibility to report 100percent accurate information of delete from my file because it is severely hurting me from obtaining a new home and a car.i am fighting stage XXXX XXXX and need to be able to go to the doctor, and pick up my kids from school.i demand a proper investigation.when ever a consumer report containing any negative information being reported with out my written consent is considered identity theft and I never authorized any of these accounts to be opened or reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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: Experian Information Solutions Inc.
State: WY

Complaint narrative:
I am contacting you about the compromising of my social security number.i am a victim of identity theft/data breach.i contacted the federal trade commission and filed an ftc report number:XXXX which is attached.please block remove all negative accounts listed below from my credit report and send me an updated copy of the credit report.i have submitted numerous dispute letters and you have taken advantage of my federally protected rights under15u.s.c1681c2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  balance $ XXXX XXXX  and experian ( # XXXX. ) XXXX XXXX XXXX XXXXXXXX balance {$1400.00} on XXXX XXXX  and experian ( # XXXX. XXXX XXXX XXXX account # XXXX balance {$26000.00} on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX balance {$6500.00} on XXXX and experian please block delete the aforementioned accounts within XXXX business days of receiving this complaint in accordance to 15 usc 1681c-2 the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within XXXX business days.failure to respond satisfactory will result in a small claims action against your agency.i will be seeking damages but not limited to and each violation is a statutory cost of {$1000.00} each per 15 usc 1692k : 1.defamation of character. 2.neglegent enhancement of idenity fraud. 3.violation of the fair credit reporting act 4.violation under 15 usc code 1681o-civil liability for negligent non compliance. 5.violation under 15usc 1681n ( b ) civil liability for willful non compliance.i am enclosing a credit report from today that has all of the inaccurate inconsistent incomplete information being reported highlighted.it is the data furnishers responsibility to report XXXXpercent accurate information of delete from my file because it is severely hurting me from obtaining a new home and a car.i am fighting stage XXXX XXXX and need to be able to go to the doctor, and pick up my kids from school.i demand a proper investigation.when ever a consumer report containing any negative information being reported with out my written consent is considered identity theft and I never authorized any of these accounts to be opened or 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 explanation
Consumer complaint received 2024-11-02 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: OH

Complaint narrative:
MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX*PLEASE REMOVE THE INCORRECT ADDRESS OFF MY XXXX XXXX EQUIFAX XXXX XXXX XXXX Please remove this illegal address of my credit report as I have never lived here. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation