vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
A fraudulent XXXX account was opened In my name, XX/XX/year>. I have no recollection of this account. There is a remaining balance of {$180.00} that I should not be responsible for. I have reached out to Jefferson Capital Systems LLC in attempts to resolve this issue. No solutions have been made in this regard.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I received a text from XXXX about an outstanding balance. When I called to request information about the outstanding charge they required that I reveal personal information before receiving that information. 

When I refused to give out personal information they said they could not release any information. I don't feel comfortable giving out personal information to a company I have never interacted with that says I owe them money. 

Smells like a big scam - and now it is going to affect my credit score? This is a very unethical business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an account. 
account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. 

An account opened at XXXX XXXX XXXX under the account number XXXX on XX/XX/XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an account. 
account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. 

An account opened at XXXX XXXX XXXX under the account number XXXX on XX/XX/XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX05B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an account. 
account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. 

An account opened at XXXX XXXX XXXX under the account number XXXX on XX/XX/XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-12-02 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: EQUIFAX, INC.
State: NC

Complaint narrative:
PLEASE REMOVE THESE UNAUTHORIZED INQUIRIES FROM MY CREDIT REPORT. 


XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX Subject : Request for Correction of Inaccurate Late Payments on My Credit Report Dear Representative of the Consumer Financial Protection Bureau XXXX CFPB ) : XXXX XXXX XXXX XXXX  XXXX XXXX Iowa XXXX I am writing to formally file a complaint regarding inaccurate information reported on my credit report about late payments associated with my account with XXXX XXXX XXXX ( Account Number : XXXX ). Below are the specific dates of the erroneously reported late payments : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I am confident that this information is incorrect and request that it be investigated and corrected, in accordance with the provisions of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), which protect my rights as a consumer. 

Legal Basis Fair Credit Reporting Act ( FCRA ) : 15 USC 1681s-2 : Requires data furnishers to ensure the accuracy and completeness of information provided to credit bureaus.

15 USC 1681i : Establishes my right to dispute inaccurate information and obligates credit bureaus to investigate and correct errors.

Truth in Lending Act ( TILA ) : 15 USC 1637 ( b ) : Requires creditors to present accurate billing statements and correct any errors.

FCRA Section 1666b : Mandates investigation of billing disputes and removal of errors if not resolved within the stipulated timeframe. 
Specific Requests Conduct a thorough reinvestigation of the reported late payments.

Remove the inaccurate records from my credit report.

Provide me with a written confirmation detailing the investigation results and the corrections made.

I look forward to receiving a formal response within the 30-day period established by the FCRA. I appreciate your prompt attention to this matter and await your resolution. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly 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  of Debt Bondage and would like for all listed account to be blocked and deleted company information from TransUnion.

Please delete the following accounts XXXX XXXX XXXX BALANCED {$2700.00}

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 2024-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
Identity theft, I have no contract with this debt collector. They have called repeatedly ( more than 7 times within a 7 day period ) and at inappropriate times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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: CA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

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 2024-12-02 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: CA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: GA

Complaint narrative:
I am writing to formally request the removal of a fraudulent account from my credit report and to exercise my legal right to opt out of your reporting services in relation to this matter. 

As outlined in the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumer reporting agencies such as XXXX and XXXX are required to handle consumer data with fairness, impartiality, and respect for the consumer 's privacy. This includes ensuring that no consumer information is reported without explicit consent. 

The XXXX XXXX, 15 U.S.C. 6801, further protects my personal information, mandating that financial institutions and those who furnish information to credit reporting agencies must respect my privacy and the confidentiality of my nonpublic personal information. I have not provided consent to either XXXX or XXXX to share my personal data or information related to any accounts opened in my name, including the disputed XXXX account. 

Furthermore, 15 U.S.C. 1681b and 15 U.S.C. 1681c ( a ) ( 5 ) prohibit the reporting of certain adverse information beyond a specified period, and require consumer consent to furnish data to credit agencies. Since I did not authorize the creation of the XXXX account in question, the account is an unlawful and unauthorized entry on my credit report. 

Additionally, 15 U.S.C. 1681s2 ( a ) ( 1 ) clearly states that no person may report inaccurate information to a consumer reporting agency if they know, or have reasonable cause to believe, that the information is incorrect. Since I did not authorize the account and it appears to be fraudulent, the furnisher of information has violated this requirement. 

As a consumer, I am also exercising my right to opt out of your reporting services. Under 12 C.F.R. 1016.7, I have the right to opt out of having my information shared with third parties, and I am exercising that right immediately. 

I request that the fraudulent account associated with XXXX XXXX be removed from my credit report, as it was opened without my knowledge or consent. I further request that you confirm in writing that the necessary corrections have been made. 

Thank you for your prompt attention to this matter. Please provide written confirmation that this account has been removed and that my privacy rights have been upheld in accordance with federal law.

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 2024-12-01 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: CA

Complaint narrative:
I am a victim of identity theft and have discovered unauthorized inquiries on my credit report that I did not authorize. I have no association with the following inquiries or the entities listed : XXXX - Inquiry Date : XX/XX/year> XXXX XXXX  - Inquiry Date : XX/XX/year> XXXX XXXX Inquiry Date : XX/XX/year>XXXX XXXX XXXX XXXX - Inquiry Date XXXX XX/XX/year> These inquiries were made without my consent and are in violation of the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), which requires credit reporting agencies to block information resulting from identity theft upon proper documentation. 

I have submitted an identity theft report and affidavit to support this dispute and am requesting the removal of these unauthorized inquiries 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 non-monetary relief
Consumer complaint received 2024-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
To whom it may concern, 1.MIDLAND CREDIT has not provided validation information for the collection on my consumer report, 12 CFR 1006.34 ( b ) ( 5 ). 2.MIDLAND CREDIT has not given me the opportunity to dispute this account, 12 CFR 1006.34 ( c ) ( 4 ) ( i ) 3. This is a violations of my consumer rights by XXXX XXXX XXXX, including the use of false, misleading, and deceptive means. 4. According to 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) MIDLAND CREDIT is in clear violation of the law by furnishing accounts to my credit report without providing required disclosures. I am disputing owing any and all debts to MIDLAND CREDIT, I XXXX XXXX is also revoking all rights of XXXX XXXX XXXX from communicating with me through email, text or calls. I am requesting debt validation. I am also requesting the purchase agreement between MIDLAND CREDIT and the original creditor. I am also requesting that they furnish proof that they are licensed and bonded in the state of TX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.

Complaint narrative:
This is the email I sent but they have chose to ignore me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Dear XXXX XXXX XXXX While reviewing my personal credit report no XXXX I noticed some inaccuracies In the public records in the public area of my file I am requesting a investigation be conducted and verify that the information on record XXXX is correct. 

I believe this may be a error because these do not belong to. Please verify and amend these mistakes and send me a updated credit report reflecting the accurate information. Thank you for your time XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.

Complaint narrative:
This is the email I sent but they have chose to ignore me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Dear Experian Credit corp While reviewing my personal credit report no XXXX I noticed some inaccuracies In the public records in the public area of my file I am requesting a investigation be conducted and verify that the information on record XXXX is correct.

I believe this may be a error because these do not belong to. Please verify and amend these mistakes and send me a updated credit report reflecting the accurate information. Thank you for your time 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 2024-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Failed to let me opt out after giving them both verbal, non verbal, written and un written per 15 usc 6802. Privacy act of 1974

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 2024-12-01 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: FL

Complaint narrative:
Failed to let me opt out after giving them both verbal, non verbal, written and un written per 15 usc 6802. Privacy act of 1974

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: FL

Complaint narrative:
Failed to let me opt out after giving them both verbal, non verbal, written and un written per 15 usc 6802. Privacy act of 1974

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 2024-12-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: GA

Complaint narrative:
Greetings I have NOT received the Documents from you, I REQUESTED ( PURCHASE AGREEMENT ) .You Failed to show PROOF OF Ownership. You Are STILL Reporting INACCURATE, Incorrect, Information on my Credit Report. 
I'm reporting you to the Attorney General, because you Purchased my PERSONAL INFORMATION, WITHOUT MY CONSENT.You are now in NON COMPLIANCE with the F.C.R.A Section 611 15 USC 1681 ( i ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF, AS I REQUEST THAT YOU ALL REVIEW THE DISPUTED ACCOUNT INFORMATION ACCORDINGLY. I SUCCESSFULLY SUBMITTED A 1099 CANCELLATION OF DEBT FORM THROUGH THE IRS. I ASK THAT UNDER FEDERAL LAW YOU ALL REVIEW THE ATTACHED DOCUMENTS SUPPORTING THIS CLAIM. AND PROCEED WITH THE NECESSARY UPDATES ON MY CREDIT REPORT WITH DELETION/REMOVAL.

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