vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: TX

Complaint narrative:
Subject : Formal Complaint for Unauthorized Reporting and Request for Removal of Collection To Whom It May Concern, I am writing to formally dispute the collection account reported by Online Information Services Inc. on my credit profile. This report is in violation of several provisions of the Fair Credit Reporting Act ( FCRA ) and other relevant laws. 

XXXX. **FCRA Section 605 ( b ) ** : This section mandates that any information reported on a consumer 's credit profile must be done with the consumer 's consent. Online Information Services Inc. has reported this collection without my explicit permission, rendering their actions illegal.

2. **Contractual Obligation** : Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), it is illegal to collect a debt without a contractual agreement between the creditor and the debtor. I do not have any contract or agreement with Online Information Services Inc. authorizing them to collect this debt or report it to credit bureaus. 

Given these violations, I request the immediate removal of this collection from my credit profile. Please treat this matter with urgency, as the unauthorized reporting has negatively impacted my credit standing.

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: EQUIFAX, INC.
State: IL

Complaint narrative:
Re : XXXX XXXX XXXX XXXXXXXX under 15 U.S.C. 1692g Account XXXX : XXXX Dear Sir or Madam, I am writing in response to your communication regarding the above-referenced account. Please be advised that I do not recognize the account number referenced, nor do I recognize the account status, high balance, or any reported late payments associated with this account. As such, I am disputing the validity of this debt.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, I am requesting that you provide the following information to validate the debt : 1. The amount of the debt, including a detailed breakdown of the principal balance, any fees, interest, and other charges that have been added.

2. A copy of the original signed agreement or contract that authorizes the debt and establishes the amount owed.

3. A statement confirming that you are authorized to collect this debt on behalf of the creditor.

4. Also, I am demanding the correct Statute of Limitation date for this alleged account.

5. " Date Opened '' and " Last Payment '' are not provided, which can make it difficult to understand the account history.

6. Terms and Limits : Missing information on terms, payment amounts, and credit limits may indicate incomplete reporting. 
Best Regards XXXX XXXX XXXX

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: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Failure to Send Initial Debt Notice : XXXX XXXX XXXX has failed to send me an initial debt validation notice as required by law, and this constitutes a violation of the FDCPA.

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: AZ

Complaint narrative:
Under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists15 U.S. Code 1681 ( s ) -2 states that any payments during XXXX are required to be deferred or forgiven.15 U.S. code 1681 ( 4 ) states i have the right to privacy. I consider my payment history to be private information and must be deleted from my credit report.15 U.S. Code 1681 ( a ) states any transactions between you and the creditor are required to be excluded from your credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
The company violated provisions of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S. Code 1681i ( a ) : Failed to conduct a reasonable investigation of disputed information after being notified of errors. 
15 U.S. Code 1681i ( a ) ( 6 ) : Did not provide results of the reinvestigation within the required XXXX time frame. 
15 U.S. Code 1681i ( a ) ( 7 ) : Failed to provide a description of the procedures used during the reinvestigation to determine the accuracy of the disputed information. 
15 U.S. Code 1681e ( b ) : Did not ensure maximum possible accuracy of the information in my credit report.

15 U.S. Code 1681i ( a ) ( 5 ) : Neglected to delete or modify unverifiable or inaccurate information identified during the dispute process. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NEVER LATE ; INVALID ACCOUNT NUMBER SELF XXXX XXXX XXXX XXXX XXXX  XXXX NEVER LATE ; INVALID ACCOUNT NUMBER XXXX  XXXX Inquiry XX/XX/year> NOT MINE Employer XXXX-XXXX NOT MINES Despite notifying the company of these errors and submitting supporting documentation, no corrective action or adequate explanation was provided. The continued inclusion of inaccurate information is damaging and unlawful under the FCRA.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of identity theft, and fraudulent accounts appeared on my TransUnion credit report. On XX/XX/year>, I submitted a dispute to TransUnion, providing all necessary documentation, including a police report and an identity theft affidavit, in compliance with the Fair Credit Reporting Act ( FCRA ) and the California  Consumer Credit Reporting Agencies Act ( CCCRAA ) ( California  XXXX XXXX XXXX ). Despite fulfilling all legal requirements for a proper dispute, TransUnion failed to block or remove the fraudulent information. 

Under California XXXX XXXX XXXX ( k ), TransUnion was required to block the disputed accounts within 30 days of receiving my identity theft documentation. Additionally, under California XXXX XXXX XXXX ( a ), TransUnion is prohibited from reporting information they know or have reason to believe is inaccurate. However, the fraudulent information has remained on my credit report. 

As a direct result of XXXX failure to remove the fraudulent accounts, I lost a job opportunity in XX/XX/year>, as my employer relied on an inaccurate credit report when making their hiring decision. This failure caused significant financial loss and emotional distress.

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: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following accounts are not accurate XXXX XXXX XXXX XXXX XXXX {$XXXX} XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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: WI

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result, so I demand this matter be resolved in a fair and equitable manner, which hasn't been done. These accounts are related to a transaction and experience that falls under the 605b section of the FCRAs definitions, and rules of construction section. It was also reported without my written consent and therefore, is a result of identity theft ( as defined by the Federal Trade Commission ) and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least " {$1000.00} '' per the civil liability section for willful non-compliance. Please DELETE these items 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 card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

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 — Account information incorrect
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
I XXXX XXXX : XXXX the living breathing man/ likeness of XXXX Have disputed and challenged these inaccurate reports with the Department of Education THE US DEPARTMENT OF EDUCATION XXXX DIRECT LOANS, I challenge all claims that I, XXXX and a debtor and or responsible for the any portion of the Public Debt of the UNITED STATES corporation I XXXX Am the living man and possess the security that was pledge for the Debtor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and any other variation or spelling of the ALL CAPS LETTER legal Fiction / Federally owned and created NAME Pursuant HJR 192 of 1933 and the BANKRUPTCY ACT all debts are an obligation to the UNITED STATES OF AMERICA which is a Corporation. 
I act in accordance with the folllowing U.S. Supreme Court XXXX : XXXX XXXX XXXX I, XXXX XXXX XXXX XXXX XXXX family last name am the public agent of record, without recourse and private sole beneficiary and executor of the Estate and NAME of the Private Business Trust XXXX XXXX XXXX ; the Secretary of the Treasury of the United States being its fiduciary/trustee. 

I, XXXX XXXX XXXX XXXX XXXX family name am a XXXX XXXX  XXXX XXXX XXXX XXXX defined by Section One of the Fourteenth Amendment to the Constitution for the United States of America said status having been protected by the former constitutionally created civillian government outed as of XX/XX/year> ; and during the provisional military government temporarily imposed by the congressionally approved and confirmed Proclamation XXXX XXXX  XX/XX/year> -- -a Post -- -XXXX  XXXX XXXX  Private American Non-Citizen/ National protected by Section One of the Fourteenth Amendment to the Constitution of the United States of America 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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I XXXX XXXX : XXXX the living breathing man/ likeness of XXXX Have disputed and challenged these inaccurate reports with the Department of Education XXXX XXXX DEPARTMENT OF EDUCATION XXXX DIRECT LOANS, I challenge all claims that I, XXXX and a debtor and or responsible for the any portion of the Public Debt of the UNITED STATES corporation I XXXX Am the living man and possess the security that was pledge for the Debtor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and any other variation or spelling of the ALL CAPS LETTER legal Fiction / Federally owned and created NAME Pursuant HJR 192 of 1933 and the BANKRUPTCY ACT all debts are an obligation to the UNITED STATES OF AMERICA which is a Corporation. 
I act in accordance with the folllowing U.S. Supreme Court XXXX : XXXX XXXX XXXX I, XXXX XXXX XXXX XXXX XXXX family last name am the public agent of record, without recourse and private sole beneficiary and executor of the Estate and NAME of the Private Business Trust XXXX XXXX XXXX ; the Secretary of the Treasury of the United States being its fiduciary/trustee. 

I, XXXX XXXX XXXX XXXX XXXX family name am a XXXX Private XXXX XXXX unincorporated man defined by Section One of the Fourteenth Amendment to the Constitution for the United States of America said status having been protected by the former constitutionally created XXXX government outed as of XX/XX/year> ; and during the provisional military government temporarily imposed by the congressionally approved and confirmed Proclamation XXXX of XX/XX/year> -- -a Post -- -XXXX  XXXX 1933 Private American Non-Citizen/ National protected by Section XXXX of the Fourteenth Amendment to the Constitution of the United States of America ( unincorporated )

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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
There are multiple accounts on my credit report that have given wrongful information to all XXXX credit bureaus. I have contacted those consumers and they have agreed to report to all XXXX credit bureaus for the information given to be removed from my credit report. Both XXXX XXXX and XXXX have disputed the accounts by Experian has not done so. I have now put in a various amount of disputes to each account on Experian and they still have not removed any of the accounts stating that they have made investigations which I figure they can not be accurately doing so considering the fact that the consumers agreed for the accounts to be removed and the other bureaus have removed them. In result to Experian repeatedly falsely investigating the information on the accounts, I have not been able to boost my credit with any new accounts, get approved for any vehicles, homes etc. I ask that you'll please do whatever you can to help me get these accounts removed from my credit report with Experian as soon as possible. Hope to hear from you all soon, thank you so much for your time.

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: AZ

Complaint narrative:
Under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists15 U.S. Code 1681 ( s ) -2 states that any payments during covid-19 are required to be deferred or forgiven.15 U.S. code 1681 ( 4 ) states i have the right to privacy. I consider my payment history to be private information and must be deleted from my credit report.15 U.S. Code 1681 ( a ) states any transactions between you and the creditor are required to be excluded from your credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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:
I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach :. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/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 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENOVA INTERNATIONAL, INC.
State: NV

Complaint narrative:
Account XXXX XXXX in XX/XX/XXXX after paying off balance with NetCredit I drew funds. I made payments and received receipts of payments but missed a couple that I thought were paid as I received emails stating they were paid. Upon learning of the missed payments I entered a payment arrangement and have been making those payments. Account was reporting fine. We bought a house and closed XXXX XXXX. Our credit was run that day and no delinquencies reported. XXXX days later I got notice my score dropped XXXX points. I immediately contacted NetCredit who reported a 30 day late in XX/XX/XXXX. I disputed with the bureau and it was returned as accurate though NetCredit updated it and changed the delinquency from XXXX  days in XXXX to XXXX  days in XXXX and XXXX  days in XXXX resulting in a second XXXX point drop to my score dropping it to XXXX. I again reached out to NetCredit asking them to correct this due to the miscommunications on their part and my belief that the account was in good standing. Both times I received canned responses saying the credit bureaus determine what to list and report. Today ( XX/XX/XXXX ), when I discovered the second XXXX pt drop I did some research and learned that NetCredit is not legally permitted to issue loans or lines of credit in the XXXX of Nevada. They were aware I was a resident of Nevada. I have lived here almost XXXX  years. My bank account the drafted from is from Nevada, I work for the Nevada government and provided them paystubs showing this as well as a copy of my state issued Nevada identification.

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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am writing to formally dispute the accuracy of the information reported for this account on my credit report. The balance and the charge-off status are both incorrect. This account was fully resolved, and the information being reported is erroneous. I respectfully request a thorough investigation into this matter and the immediate removal of this inaccurate information from my credit 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