vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-31 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: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute several inaccurate items on my credit report that are adversely affecting my employment prospects. This is my fourth written request for resolution, and I am demanding immediate action. Failure to address these inaccuracies promptly will result in aggressive legal action. 
Disputed Accounts : XXXX. XXXX XXXX Account # XXXX Legal Basis for Dispute : This account violates 15 U.S. Code 1692e, which prohibits false, deceptive, or misleading representations in debt collection. The case XXXX v. XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), established that inaccurate reporting by debt collectors constitutes a violation of this statute. I demand the immediate removal of this account. 
XXXX. XXXX XXXX Account # XXXX  Legal Basis for Dispute : This account reflects willful non-compliance with 15 U.S. Code 1681n, as supported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), where the Supreme Court held that willful non-compliance with the FCRA could result in substantial damages. I insist on its removal immediately. 

Account # XXXX Legal Basis for Dispute : The continued reporting of this account violates 15 U.S. Code 1692e, as highlighted in XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ), which reinforces the prohibition against misleading debt collection practices. This account must be removed immediately. 

Account # XXXX Legal Basis for Dispute : This account violates 15 U.S. Code 1692e, which prohibits false, deceptive, or misleading representations in debt collection. The case XXXX v. XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), established that inaccurate reporting by debt collectors constitutes a violation of this statute. I demand the immediate removal of this account. 

Account # XXXX  Legal Basis for Dispute : The failure to validate this debt violates 15 U.S. Code 1692g. In XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ), the Supreme Court emphasized the necessity for accurate debt validation. I demand the removal of this account if validation can not be provided. 

Account # XXXX Legal Basis for Dispute : This account reflects willful non-compliance with 15 U.S. Code 1681n, as supported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), where the Supreme Court held that willful non-compliance with the FCRA could result in substantial damages. I insist on its removal immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-31 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: CA

Complaint narrative:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX and XXXX credit bureaus XX/XX/year>, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
US DEPT ED XXXX Balance Owed : {$8500.00} US DEPT ED XXXX Balance Owed : {$2000.00} US DEPT ED XXXX Balance Owed : {$770.00} US DEPT ED XXXX Balance Owed : {$550.00} US DEPT ED XXXX Balance Owed : {$4000.00} US DEPT ED XXXX Balance Owed : {$8900.00} US DEPT ED XXXX Balance Owed : {$6000.00} US DEPT ED XXXX Balance Owed : {$8400.00} US DEPT ED XXXX Balance Owed : {$400.00}

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 2024-08-31 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: CA

Complaint narrative:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX and Equifax credit bureaus XX/XX/year>, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
US DEPT ED XXXX Balance Owed : {$8500.00} US DEPT ED XXXX Balance Owed : {$2000.00} US DEPT ED XXXX Balance Owed : {$770.00} US DEPT ED XXXX Balance Owed : {$550.00} US DEPT ED XXXX Balance Owed : {$4000.00} US DEPT ED XXXX Balance Owed : {$8900.00} US DEPT ED XXXX Balance Owed : {$6000.00} US DEPT ED XXXX Balance Owed : {$8400.00} US DEPT ED XXXX Balance Owed : {$400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-31 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Kikoff Inc.
State: NM

Complaint narrative:
This kick off account is making my credit worse. As they want me to keep paying into it and my credit is stagnant/ not getting better. Recently in a natural disaster I have had a hard time keeping the payments going and on time. So they have reported this on my credit. I was also behind a large amount and I paid it but it's still on my report as unpaid. When I told them about this they told me and I have received emails telling me to close my account. Witch is completely wrong to tell a customer. As they will end up keeping the payments I have made with a smile on their face as I lost that money and I have a closed account on my credit report dropping my credit even more. So of course they want me to close the account.. Not Cool.. and bad business practice taking advantage of the consumer. I was up to a XXXX that I was proud of them to drop down to a XXXX + or-

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-31 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: TX

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. XXXX XXXX Balance Owed : {$31000.00}

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 2024-08-31 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: TX

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. XXXX XXXX Balance Owed : {$31000.00}

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 2024-08-31 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: TX

Complaint narrative:
I want to file a complaint with the three credit bureaus regarding the inaccurate items on my credit report. I am requesting that all negative items be removed and corrected. It is important that this complaint reaches them, and that they take immediate action. If they do not respond, I will pursue legal action for the damage they have caused in my life. Attached are the letters, my ID, and other identification for your review.

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 2024-08-31 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: TX

Complaint narrative:
I want to file a complaint with the three credit bureaus regarding the inaccurate items on my credit report. I am requesting that all negative items be removed and corrected. It is important that this complaint reaches them, and that they take immediate action. If they do not respond, I will pursue legal action for the damage they have caused in my life. Attached are the letters, my ID, and other identification for your review.

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 2024-08-31 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: NC

Complaint narrative:
I am XXXX XXXX, I'm reaching out because I've noticed several issues with my credit report, including wrong account listings, unauthorized inquiries, reporting mistakes, billing errors, and accounts that aren't mine. 

I need help fixing these problems to protect my financial security.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was the victim of identity theft. This is a formal dispute to support my position and claim. 
Below is the information you need to remove or block this account from my report. Also, this account is knowingly and willingly committing aggravated identity theft to collect on an extension of credit and punish me for non-repayment thereof through the credit reporting agencies. 

WELLS FARGO CARD SERVICES XXXX, WELLS FARGO CARD SERVICES XXXX, XXXX XXXX XXXX, WELLS FARGO CARD SER 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 2024-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
It's been months that I'm trying to fix errors that are being reported on my credit report because my creditworthiness is highly important to me, and the errors in my credit report have had detrimental effects on both my financial prospects and my emotional well-being but my requests and complaints kept getting ignored or disregarded which furthers the negative impact on both my life and 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 non-monetary relief
Consumer complaint received 2024-08-31 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-08-31 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: DE

Complaint narrative:
TRANSUNION IS REPORTING MY ACCOUNT AS LATE 30 DAYS IN XX/XX/2022. THIS IS 100 % A BILLING ERROR THAT HAS YET TO BE CORRECTED. I WOULD LIKE THIS PAYMENT TO BE CORRECTED AND REVERSED ASAP. XXXX AND XXXX BOTH REPORT THIS PAYMENT AS ON TIME. I HAVE ALSO ATTACHED PROOF THAT THESE PAYMENTS WERE MADE ON TIME AND NOT LATE. I AM AWARE THAT THIS IS A VIOLATION OF MY RIGHTS UNDER THE FCRA AS WELL AS A VIOLATION OF 15 USC 1666B.

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 2024-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Subject : Dispute of Collection Account Under 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ) Dear CFPB, I am writing to formally dispute the collection account listed on my credit report by Midland Credit Management . This account is associated with account number Account Number : XXXX XXXXXXXXXXXX and is negatively impacting my credit score.

Upon reviewing my credit report, I have identified the following issues, which I believe warrant the removal of this collection account : Failure to Provide Required Information : Under 12 CFR 1006.34 ( d ), debt collectors are required to provide specific validation information when attempting to collect a debt. Midland Credit Management has failed to provide the necessary validation information, including purchase agreement, the name of the original creditor and itemization of the debt. 

Incorrect Reporting Practices : As per 15 USC 1681s-2 ( a ) ( 7 ) ( A ), furnishers of information to consumer reporting agencies are required to report accurate information. In this case, the information reported by Midland Credit Management is inaccurate because the debt is being reported without proper validation and it does not belong to me. 

I respectfully request that the CFPB investigate this matter and require Midland Credit Management to comply with the provisions of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ). Specifically, I ask that this inaccurate and improperly validated collection account be removed from my credit report immediately. 

Please notify me of the results of your investigation as soon as possible. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX I mailed in dispute letters for the 3rd time this year, and a full investigation havent been done and my request for proof havent been sent.

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 2024-08-31 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: GA

Complaint narrative:
Equifax is reporting an item as 'verified ' when there is NO EXISTING ACCOUNT for this item. Who was the person that verified this? I have attached correspondence FROM the furnisher that the referenced 'verified " account was DELETED AND REMOVED! So, how is Equifax verifying this information? This is my THIRD request for maximum accuracy! Your action amounts to fraud and aggravated Identity theft and at the very least, willful non-compliance. This is a clear violation of my consumer rights! There is NO active account as alleged, as it was located AND removed as a result of my dispute with the furnisher XXXX. I am demanding MAXIMUM ACCURACY! I have the right to face all who furnished this information falsely. This reporting has significantly impacted my mode of living as well as my credit worthiness. As the consumer, I DO NOT validate this account, therefore it must be removed from my consumer report! Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Delete this item from my consumer report!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-31 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: AZ

Complaint narrative:
I paid my original car insurance policy in full and did not renew or agree to the new amount. I received a letter with the renewal amount but did not sign or pay because I was not renewing. Nor was an notice given that I didn't to cancel to not be " charged ''. Believing the policy was canceled, I later received a bill for {$170.00}, which covered a partial period that the insurance company claimed to have canceled at their discretionsomething I did not agree to. They then immediately handed it off to a debt collector, despite knowing their error. I contacted the XXXX to try to resolve the issue, but the insurance company/debt collector is unwilling to remove the fraudulent charge that I did not agree to, stating that the policy auto-renews without my consent and I had to call them to cancel. However, this was not mentioned in the letters sent to me, nor was I given any notice on how to cancel.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation