vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am filing this complaint to address multiple credit report inaccuracies and instances of potential identity theft. Unverified Debt and Lack of Proper Documentation : I have noticed a credit card account reported by XXXX XXXX that has been charged off. Despite this action, I never received a 1099-C form for the alleged cancellation of debt as required under IRS regulations XXXX I request that XXXX XXXX provide a copy of the 1099-C form if this debt was indeed canceled. Otherwise, this account should be removed from my report for non-compliance with reporting requirements. Unauthorized Collections Accounts : The following collections accounts have appeared on my credit report, which I believe are fraudulent and not my responsibility : 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 These accounts have not been validated with proper contractual agreements showing I owe these debts. Under the Fair Debt Collection Practices Act ( FDCPA ), these should be removed if validation is not provided. Unauthorized Hard Inquiries : My report includes several hard inquiries that I did not authorize. The following inquiries are listed : 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 Under the Fair Credit Reporting Act ( FCRA ), hard inquiries require my explicit authorization, and these entries violate my rights as a consumer. Victim of the XXXX XXXX XXXX : I was affected by the XXXX data breach, which exposed my personal information. As a result, I am at increased risk of identity theft. The fraudulent activity on my report may be linked to this breach, and I have taken the recommended step of filing an identity theft report. This report should be considered as evidence that fraudulent accounts and inquiries may have been opened without my knowledge or consent. Requested Resolution : I request that : All unauthorized inquiries be removed from my report. Any collections accounts without proper debt validation or contractual agreements demonstrating my liability be deleted immediately. The charged-off XXXX XXXX account be reviewed for compliance with tax reporting requirements, and I be provided with a 1099-C form if applicable. Otherwise, this account should be removed for non-compliance. I ask that all actions be taken in accordance with my rights under the FCRA and FDCPA, ensuring my credit report is accurate and free from fraudulent activity.

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 2025-01-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENOVA INTERNATIONAL, INC.
State: MN

Complaint narrative:
NetcreditXXXX XXXX continues to send me a printout of a bill or itemized document as debt validation. As per the FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute verification. This company can not provide me any documents bearing my signature showing I have a legal binding contractual obligation to their company. I did not give permission under the FCRA, FDCPA, or congress law for them to report this account against me while violating my rights under the law. This account needs to be removed immediately from my credit from all credit bureaus. I have consulted with attorneys, the Attorney Generals Office, CFPB and XXXX  on this issue. Netcredit has 30 days to delete the accounts in violation before I sue for violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian does not properly investigate disputes and fails to remove or reinserts errors on reports. Ive sent letters of several incorrectly information on my credit report and asked them to be removed XX/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 2025-01-11 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: National Credit Adjusters, LLC
State: TN

Complaint narrative:
I am trying to get a mortgage & a debt is paid is still showing from national credit adjusters as owed, it was removed from XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: FL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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/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 2025-01-11 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:
I am writing to dispute the inaccurate reporting of a collection account listed on my credit file under the name XXXX  After reviewing my credit report, I have identified discrepancies and inaccuracies that violate the Fair Credit Reporting Act ( FCRA ), Metro 2 guidelines, and CDIA standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
We moved out and recieved the bill from XXXX XXXX in XXXX Texas. I am very willing to pay the trash removal but the carpet and paint because there was no need. We did not damage any of this. They are trying to get money from us.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: TX

Complaint narrative:
I am a victim of identity theft and I do not have an account with XXXX XXXX XXXX XXXX I have contacted them multiple times to let them know that the account does not belong to me. Also, these inquiries are unauthorized and I'm a victim of identity theft : 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  15 usc 1681i ( FCRA ) - dispute procedure for inaccurate information. 15 usc 1692e ( FCRA ) - prohibits false or misleading collection practices.

Under Section 616 and Section 617 of the FCRA, if a credit bureau or creditor willfully or negligently violates the FCRA by failing to remo
ve fraudulent inquiries or handle disputes properly, consumers may be entitled to actual damages or statutory damages and may seek legal action. 
In the event that the credit reporting agencies choose to affirm the issues I request proof of validation for all matters presented.

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 2025-01-11 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: LA

Complaint narrative:
I am writing to demand the removal of an inaccurate collection account from my credit report and compensation for my time and effort in disputing it. The account in question is XXXX XXXX XXXX XXXX XXXX XXXX, from and it is showing on my credit report without my consent. I have no contract with XXXX XXXX XXXX XXXX XXXX XXXX XXXX and have given no consent for them to use my name, likeness, or credit data. 

Furthermore, this collection account violates the Fair Credit Reporting Act ( FCRA ) as per Section 607 ( a ) ( 1 ) and ( 2 ) of the FCRA which requires credit reporting agencies like XXXX to ensure that the information they report is accurate, complete and up-to-date. Also, Section 615 ( a ) ( 1 ) states that no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.

Additionally, this violates Section 621 of the FCRA which states that any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}, as the court may allow.

Furthermore, this violates 15 U.S.C 1681 et seq, particularly 15 U.S.C. 1681i and 15 U.S.C 1681j which states that credit reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates and any person who fails to comply with any requirement imposed under this title shall be liable to the United States for a civil penalty.

Furthermore, this collection account was fraudulently bought and sold, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Rosenthal Fair Debt Collection Practices Act ( RFDCPA ), which prohibit the sale or purchase of a debt that the seller or purchaser knows or should know is not legitimate. This also violates the prohibition of any form of deception or fraud under the federal laws such as 18 U.S.C. 1341 ( Mail Fraud ) and 18 U.S.C. 1343 ( Wire Fraud ) I demand that you immediately investigate this matter and take necessary action to remove the illegal collection account from my credit report and also compensate me for my time and effort in disputing it. 

Thank you for your prompt attention to this matter. 


Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: NY

Complaint narrative:
XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, IA XXXX Re : CFPB Case # XXXX Consumer : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX To Whom It May Concern : This is in reference to LexisNexis Risk Solutions response regarding the disputed bankruptcy record case number XXXX associated with my file. While I appreciate the investigation conducted, I respectfully request additional details to validate the claim made by LexisNexis. Specifically : Validation of Address Association : Please provide documentation or direct evidence from XXXX  or any other verified source that clearly links the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX to my identity. This evidence should include proof that this address is associated with me beyond simply being included in public records or credit reporting agency databases. 
Verification Process Details : Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full description of the procedures used by LexisNexis to verify the accuracy and completeness of the information. Please include : The steps taken to match my personal identifiers ( e.g., name, social security number, date of birth ) with the disputed bankruptcy record. 
The specific criteria used to confirm that this record should be associated with me. 
Request for Additional Supporting Documentation : LexisNexis stated that the bankruptcy record was verified usin

g my social security number. I request that any supporting documentation or communication substantiating this claim be provided. As per my rights under the FCRA ( 15 U.S.C. 1681i ), I am entitled to request and review this information to ensure the accuracy and completeness of my consumer report. If no further evidence can be provided to substantiate the association of this address or the bankruptcy record with my identity, I request the disputed information be removed from my file promptly. Should further information or clarification be required, please contact me directly at the address provided above. Thank you for your attention to this matter. I look forward to your prompt response and detailed verification. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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:
Hello and good day! There are erroneous information on my credit report, this is really worrisome. My financial freedom is at stake and these errors halts the progress in achieving it, my credit applications are getting rejected because of these inaccuracies it's extremely stressing me out.

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 2025-01-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: MS

Complaint narrative:
TO JEFFERSON CAPITAL YOU ARE REPORTING A COLLECTION ACCOUNT ON MY CONSUMER REPORT THAT HAS NOT BEEN VERIFIED OR VALIDATED. THIS IS A VIOLATION OF THE FCRA AND THE FDCPA. THIS ALLEGED ACCOUNT IS INACCURATE, UNVERIFIED AND MUST BE DELETED IMMEDIATELY FROM MY CONSUMER REPORT. IF YOU DO NOT REMOVE THIS ACCOUNT IN THE TIMEFRAME OF 7 DAYS, I WILL START THE PROCESS OF SEEKING FOR DAMAGES UNDER THE FCRA AND FDCPA FOR UP TO {$1000.00} PER VIOLATION AND FOR EVERY MONTH THIS ACCOUNT HAS BEEN REPORTING ON MY CONSUMER REPORT. I WILL ALSO BE SEEKING FOR STATUTORY DAMAGES AS WELL AGAINST JEFFERSON CAPITAL BECAUSE THEY ARE THE COMPANY REPORTING THE ACCOUNT ON MY CONSUMER REPORT. YOU ARE BEING HELD LIABLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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:
Dear Sir/Madam, I am writing to formally advise you of the deletion of an account from my XXXX credit report and to request that the corresponding charge-off account be deleted from my credit reports with the three major credit reporting agencies ( XXXX, and TransUnion XXXX. The account in question, which was a XXXX XXXXXXXX XXXX was disputed and subsequently deleted from my XXXX credit report after an investigation was completed on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX  has completely deleted this account from my credit file, I respectfully request that XXXX, and TransUnion take the same action. The information associated with this account is now verified as inaccurate and can not be substantiated with documentation. Under the Fair Credit Reporting Act ( FCRA ), specifically sections 609 and 611, any information that can not be verified must be removed from the credit report. The FCRA clearly protects consumers from having unverifiable or incorrect information impact their creditworthiness. In accordance with the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Bureau ( CFPB ) guidelines, I request that the unverifiable XXXXXXXX XXXX XXXX account be deleted from my credit report with your agency within 30 days of receiving this letter. Failure to do so within this timeframe would be a violation of my consumer rights under the FCRA. As outlined under Section 611 of the FCRA, if an item is not verifiable after an investigation, it must be removed. If the credit reporting agencies do not delete the unverifiable debt, I am aware that I have the right to take legal action, including but not limited to pursuing claims for damages. I also reserve the right to take any additional legal recourse available to me, including reporting the violation to the CFPB and potentially filing a lawsuit for damages under the FCRA and Fair Debt Collection Practices Act ( FDCPA ). Please confirm the deletion of this account in writing within 30 days, or if the information is still being reported, kindly provide a complete and accurate response substantiating the debt. I look forward to your prompt attention to this matter. Sincerely,

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 2025-01-11 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 has violated my rights. 
Look at my Experian credit report on XXXX XXXX. And notice some things are incomplete and not accurate. 
And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any 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 2025-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.

Complaint narrative:
PLESE HELP ME, THESE ITEMS ARE NOT MINE AND DEFINITELY FRAUDULENT ACCOUNTS, PLEASE TAKE ACTION IMMEDIATELY. 
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 explanation