vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
NOTICE FOR REQUEST OF CERTIFIED MAIL RETURN RECEIPT WITH MY WET HUMAN SIGNATURE AND CEASE AND DESIST OF SLANDER HARRASSMENT EMBARRASSMENT THREATS DEFAMATION COLLUSION COLLECTIONS FALSE REPORTING & 18 USC 96 CAUSING HARM NOTICE INTENT TO SUE REPEATED OFFENDER AFFIANT : XXXX XXXX XXXX XXXX XXXXXX/XX/year> DEFENDANT : : SOUTHWEST CREDIT SYSTEMS XXXX XXXX XXXX XXXX : XXXX SUITCASES SURETY BOND HIGHEST BIDDER SUBPOENA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AFTER SURETY BONDS RE : ALLEGED ORIGINAL CREDITOR : XXXX  ALLEGED ORIGINAL CREDITOR ACCOUNT NUMBERs : XXXX ALLEGED DEBT AMOUNT OR BALANCE {$230.00} CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX XXXX DEAR : SOUTHWEST CREDIT SYSTEMS INC -BULK DEBT COLLECTOR BUYER STOP VIOLATING THE FDCPA USC 1692 [ I NEVER gave your company consent to use this account/ESTATE XXXX XXXX XXXX XXXX XXXXXXXX ] EXHIBIT XXXX XXXX I AM UNAWARE OF THIS ALLEGED DEBT I DIDNT HAVE THE OPPORTUNITY TO DISPUTE THIS ALLEGED DEBT I DIDNT RECEIVE PROPER NOTIFICATION IF IN FACT YOU BELIEVE IVE RECEIVED PROPER NOTIFICATION, PLEASE PROVIDE THE CERTIFIED MAIL WITH RETURN RECEIPT WITH MY WET SIGNATURE STATING THAT IVE RECEIVED IT. ACCORDANCE TO 15 USC 1681s-2 ( a ) ( XXXX ) A ( i ) BUT THE CEASE & DESIST DOSENT INCLUDE YOU FROM RESPONDING TO THIS REQUEST. IF YOU CANT PROVIDE ME WITH THIS INFORMATION, PLEASE DELETE THIS ALLEDGED ACCOUNT FROM MY ALL-CONSUMER REPORTS IMMEDIATELY. SEND ONLYCERTIFIED MAIL WITH RETURN RECEIPT WITH MY HUMAN SIGNATURE. FORWARD FLOW AGREEMENT, CHAIN OF ASSIGNMENT, PURCHASE AGREEMENT, SECRURITIZED OF THE DEBT. 
XXXX : I WAS MADE AWARE OF YOUR ATTEMPT TO COLLECT AND ALLEDGED DEBT AFTER I REVIEWED MY CONSUMER REPORT. PLEASE BE THAT I HEREBY DISPUTE THE ABOVE-LISTED ALLEGED DEBT IN ITS ENTIRELY. YOU ARE ON NOTICE THAT YOU ARE UNLAWFULLY ATTEMPTING TO COLLECT THE ABOVE-LISTED ALLEGED DEBT. CEASE & DESIST ALL COLLECTION ACTIVITY, INCLUDING REPORTING AGENCIES ( CRAs ) BUT THE CEASE & DESIST DOSENT INCLUDE YOU FROM RESPONDING TO THIS REQUEST ABOVE IN EXHIBIT XXXX AND IT DOSENT INCLUDE YOU FROM DELETING ALLEGED DEBT FROM MY CONSUMER REPORT. THIS LETTER IS EVIDENCE PROVIDED VIA TO THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ). THE CFPB IS AUTHORZED TO FULLY INVESTIGATE THIS MATTER AND RECEIVE ANY INFORMATION RELATED TO THERTO. BE ADVISED, IF YOU FAIL TO COMPLY WITH THIS LETTER, I MAY TURN THE MATTER OVER TO A CONSUMER ATTORNEY. OR CFPB WILL SUE SOUTHWEST CREDIT SYSTEMS XXXX XXXX XXXX, YOU HAVE 3 DAYS TO DELETE AFFIANT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WITHOUT PREJUDICE WITHOUT RECOURSE STOP PLAYING WITH MY PERSON

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I need your assistance in reviewing accounts from companies that have incorrectly reported late payments. After checking my credit report, I found that some accounts were marked late in error. There should be no late payment remarks on these accounts.

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 2025-02-07 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:
YOUR COMPLAINT XXXX has failed to fulfill legal obligation under the Fair Credit Reporting Act ( FRCA ) 15USC 1681i ( a ) ( 6 ) ( B ) ( iii ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved.The consumer financial protection bureau has recently filed a lawsuit against XXXX, Alleging systematic issues such as failing to forward consumer-provided Evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where experience has neither corrected or removed disputed items despite the evidence i have provided ( 3 times certified letters sent and provided. This is causing ongoing harm to my credit standing which not only affects myself but my Family. I am requesting immediate corrective action to remove the disputed accounts, as XXXX 's inaction violates Federal law and rights as a consumer. 

The following accounts : 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 explanation
Consumer complaint received 2025-02-07 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: AL

Complaint narrative:
I am disputing the debt in your recent communication. My records show it was written off, but I haven't received a Form XXXX. Per IRC Section XXXX, creditors must issue this form for canceled debts of $ XXXX. Please provide documentation or confirm cancellation and issue the form. Cease collection and remove negative info from my credit report.I have attempted to dispute these accounts for not providing the requested documents multiple times with no success. I would like these accounts removed immediately. 

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
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Credit Karma, LLC
State: MA

Complaint narrative:
I have exausted every avenue possible in obtaining my report and data that CREDIT KARMA is providing and selling. Every Online, mail and phone requests were all denied telling me that they can not verify my info ( even when i provided documention via mail ) Im done with this company and there tactics. they will sell it to anyone in the world but deny me saying i cant be verified. Thats fine! I am sending the a good faith demand letter then filing suite when thats ignored. I will not waste another minute other than obtaing the free council and representation provided to me through the XXXX for being a 100 % XXXX XXXX I am on a mission now. Send it or dont send it. Doesnt matter anymore because we will let the judge decide.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
XXXX received regarding a cashapp account fraudulently created under my name and social security number. I do not have a cash app account. However this fraudulent account reports XXXX dollars of income on it. Cash app run by block inc is not willing to fix this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-07 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: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I XXXX XXXX XXXX XX/XX/XXXX am filing this complaint because EQUIFAX has repeatedly failed to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ). Specifically, they have violated : Failure to Comply with Fair Credit Reporting Act ( FCRA ) in Investigating Disputes. Violations of 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), and 15 USC 1681c ( c ). I have sent multiple dispute letters to EQUIFAX, but they have either failed to conduct proper investigations or reinvestigations, or outright ignored the evidence I provided. To make matters worse, l have learned about the recent CFPB lawsuit against EQIFAX ( " CFPB Sues EQUIFAX for Sham Investigations of Credit Report Errors '' ), which highlights that EQUIFAX has a documented history of neglecting consumers ' rights by failing to remove or properly investigate errors in credit reports. This issue has significantly impacted my ability to access credit, housing, and employment opportunities, causing me financial and emotional distress. XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I sent a letter disputing XXXX XXXX EQUIFAX responded with lack of efforts to remove that account which brought me distress.XXXX XXXX XXXX XXXX XX/XX/XXXX. I sent a letter disputing XXXX XXXX EQUIFAX responded with lack of efforts to remove that account which brought me distress.XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I sent a letter disputing XXXX XXXX EQIFAX responded with lack of efforts to remove that account which brought me distress. As a result of EQUIFAX 'S non-compliance : * My credit score remains inaccurate, affecting my ability to get a loan as well and a House in the future. * I have been subjected to undue stress and financial hardship. Furthermore, I request that these collection accounts be removed from my credit account due to noncompliance of15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), and 15 USC 1681c ( c ). I request that the account accounts CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNT to Be removed from my credit report within XXXX to XXXX days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I have been trying to get this late off my credit report. I have sent in disputes and nothing has been done. I have sent in proof that I myself am the one submitting the request to have this removed. I have filled for a full file disclosure and never received it.

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 2025-02-07 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: OK

Complaint narrative:
Please ensure the unauthorized accounts are blocked and removed from my credit report promptly. I did not initiate these accounts and do not recognize them. Under USC 1681g, I formally request their removal within XXXX  days. Supporting documents are included for your consideration.

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 2025-02-07 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-02-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

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.

15 U.S.C 1681 section 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 a 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 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 non-monetary relief
Consumer complaint received 2025-02-07 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: EQUIFAX, INC.
State: AZ

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.

15 U.S.C 1681 section 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 a 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: IL

Complaint narrative:
XX/XX/year> Equifax XXXX XXXX XXXX XXXX. 
XXXX Department [ XXXX XXXX XXXX XXXX XXXX XXXX RE : Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable re-investigation of disputed items. 

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXX 's failure to conduct proper investigations. Specifically, in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), XXXX is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 

I hereby request that XXXX : XXXX. Conduct a thorough reinvestigation of the following disputed accounts or items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. Provide me with all documentation used to verify the accuracy of the disputed information. 

XXXX. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 
XXXX. Correct or delete any information that can not be verified on my profile for XXXX per XXXX usc XXXX. 
Given the recent CFPB findings, I expect XXXX to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 

If XXXX fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 

Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file. 

Sincerely, [ Enclosures : Copy of ID, Proof of Address, Supporting Documents ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my 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 2025-02-07 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: KS

Complaint narrative:
Tnis issue is with comerica XXXX XXXX debit card services with whom I have had social security deposits made with around 16 yrs ... .i have opened a local.bank account in XXXX and tried to send my proper identification as ia required to comerica for over amonth now and it's been denied so many times. They give me info on what is supposed to be sent. ..seemingly just specifics of a bank letter from.my new bank and my photo id front and back was required. But I've called about twenty times... on long holds. And all theh ever say is they can not give me any reasons why it's being denied. I have gone in my bank and called with longevity in tbeir lobby and hada teller as well ask for details wht to send and wht she was given she sent ..meeting those requirements .that comerica specified as well ... .and itbwas denied again ... insaw the reply letter whch i have..that was sent to the local bank ..it had all the information comerica is requesting for a money transfer ... ..yet denied again ... .when I reached out to a " suoervisor " with that information tbey said we can't get to a department that tells us why it's being denied and sd u jsut have to try again ... whch requires me having my new bank do it again and again like I have????????????? I was already put on hold with XXXX XXXX services a second time in XXXX XXXX XXXX  in my town to fnd out why for a whole hour publicly ... ..and the teller finally had to leave... tbe lady I spoke witha t comerica just hung up.on me after explaining this ... .i only want to get my funds to a local bank

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
I recently contacted Portfolio Recovery Associates LLC to address a debt that was incorrectly attributed to me. I contacted them on the following dates : XXXX, XXXX, XXXX, XXXX, and XXXX. Despite my efforts to resolve this issue, the debt remains on my credit report, and it is impacting my financial standing. I have provided the necessary documentation to prove that the debt does not belong to me and have requested that the company promptly correct this error.

Company response to consumer: Closed with explanation