vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX Debt amount : XXXX Creditor Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. 

Subject : Dispute of Debt and Cease Communication Request Dear XXXX XXXX XXXX XXXX, I am writing to dispute the validity of the debt referenced in your communication dated XX/XX/XXXX communication from creditor, XXXX XXXX XXXX. This is not an acknowledgment of the debt but a formal dispute of its validity. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692c, I request that you cease any and all communication with me regarding this debt, except as authorized by the FDCPA. According to 15 USC 1692c, you are prohibited from contacting me further if I provide written notification that I refuse to pay the debt or that I wish to cease further communication.

For your reference, the relevant section of 15 USC 1692c states : " ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( XXXX ) to advise the consumer that the debt collectors further efforts are being terminated ; ( XXXX ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( XXXX ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. '' In addition, I am requesting that you validate this debt, including but not limited to : The name and address of the original creditor. 
The amount of the debt. 
A copy of any judgment, if applicable. 
Proof that I owe the debt in question. 
Please send the requested documentation to my address listed above within 30 days from the receipt of this letter. 

Furthermore, any failure to comply with the above request will be reported to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for further action. 

Thank you for 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 explanation
Consumer complaint received 2024-09-09 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: OH

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 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 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 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 explanation
Consumer complaint received 2024-09-09 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:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

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 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: SC

Complaint narrative:
ACCOUNT # XXXX Can you tell me who the original creditor is? I dont recognize this account, and Im not agreeing to it. I mean, would you agree to this?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 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: MI

Complaint narrative:
My XXXX XXXX Credit Card account ending in XXXX currently reflects a late payment on XXXX of XXXX due to an incorrect " Date of First Delinquency Reported ''. 

I paid this charged off account to settle the debt with XXXX XXXX and they have changed the date of first Delinquency. 

The " Date of First Delinquency '' should be XXXX of XXXX as reflected in my credit report from XX/XX/XXXX of this year prior to me paying the chargeoff. 

The dispute results confirm they have now changed this date to XX/XX/XXXX, this is not correct and should be changed back to XXXX of XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Asset Recovery Solutions, LLC
State: AL

Complaint narrative:
I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Net Pay Advance, Inc.
State: CA

Complaint narrative:
I went through the pre-qualification process on XXXX to see if I qualified for a loan. The site said it would have no effect on my credit. I gave them my personal information in order to see what I qualified for. Immediately I started receiving a barrage of phishing texts and emails telling me to sign documents or give my bank account information to receive payments from what looked like various payday loans, but some were personal loans with extremely high intrest rates. I did not engage further with these companies. Most of these calls, emails, and texts stopped within a few days. But " NET PAY Advance " attempted to take XXXX $ from my checking account just a few days later. They are harassing me with calls, texts, and emails telling me I am late on payments for a debt I never took out and there is no record of. XXXX XXXX XXXX recognized this attempted charge as fraud as payday loans are illegal in my state of residence. They stopped the charge, and I advised me to close my checking account. But now Im receiving emails and calls about other debts I don't recognize, offers for large loan amounts that sounds like scams, and hard pulls on my credit report that I never initiated. I think this company is engaging in fraud and or identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 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.
State: TX

Complaint narrative:
XXXX, XXXX and EQUIFAX are reporting in account that is in accurate outdated in my credit file. I have requested that they delete this account, but they have refused and have reported back to me that the account is validated. However, they have not provide me proof of the validity of the account, The account number is XXXX, Creditor-XXXX XXXX . First Date reported XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 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.
State: TX

Complaint narrative:
XXXX, eXPERIAN and XXXX are reporting in account that is in accurate outdated in my credit file. I have requested that they delete this account, but they have refused and have reported back to me that the account is validated. However, they have not provide me proof of the validity of the account, The account number is XXXX, Creditor-XXXX XXXX . First Date reported 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 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is my NUMEROUS requests that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1100.00}, XXXX XXXX XXXX Balance : {$16000.00}, XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently. They are violating my rights and I am entitled to {$1000.00} for each violation I listed, I have made previous attempts to fix these issues directly with them. They either pay me or delete these accounts ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 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: NY

Complaint narrative:
I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again.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 2024-09-09 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: NY

Complaint narrative:
I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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 response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 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:
Subject : Dispute of inaccurate information on my credit report Account Number : XXXX Credit Bureau XXXX EXPERIAN Account Type : Credit Card Dear Sir/Madam , In accordance with my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am disputing inaccurate and unverifiable information related to my account with XXXX, which has been marked as " charge-off. '' Upon reviewing my credit report, I have identified significant discrepancies between the credit bureaus XXXX, Experian, and XXXX : XXXX : Highest reported balance : {$1200.00} Balance owed : {$0.00} Account rating : " Derogatory '' Account status : Closed, marked as " Collection/Chargeoff. '' Reason for closure : " Canceled by credit grantor. '' Experian : Highest reported balance : {$1200.00} Balance owed : {$0.00} Account rating : " Paid '' Account status : Closed, marked as " Collection/Chargeoff. '' Reason for closure : " Account has been closed due to inactivity. '' XXXX : No information reported. 

These inconsistencies between the credit bureaus, particularly regarding the account rating, account status, and reasons for closure, violate the FCRA ( 15 U.S.C. 1681e ( b ) ), which requires credit reporting agencies to maintain maximum possible accuracy in the information they report. XXXX reports the account as derogatory, while Experian shows it as paid. Additionally, the reasons for closure vary, with XXXX reporting it as canceled by the credit grantor and Experian indicating it was closed due to inactivity. XXXX does not report this account at all. 

Under the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am entitled to clear and accurate information regarding my credit obligations and payment history. These discrepancies negatively affect my credit history and misrepresent my financial standing. 

I request that, under the FCRA and TILA, you investigate this dispute and promptly remove the inaccurate information, including the charge-off, from my credit report. The discrepancies between the credit bureaus clearly show that the reported information is not accurate. Please provide me with the results of your investigation and a corrected report as soon as possible. 

For your reference, I have attached copies of my credit reports highlighting these discrepancies. 

Thank you for your prompt attention to this matter. I look forward to your timely response.

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 2024-09-09 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: IL

Complaint narrative:
I have not supplied proof under the doctoring of estoppel by the silence of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX presume that no proof of the alleged debt. nor therefore any such debt in therefore exists. ( please remove this account before I seek litigation for defamation of character. ) XXXX XXXX XXXX. {$16000.00}, XXXX XXXX XXXX {$16000.00}, XXXX XXXX XXXX XXXX {$630.00}, XXXX XXXX  {$510.00}, XXXX XXXX XXXX XXXX {$150.00}, XXXX XXXX XXXX XXXX. {$750.00}, XXXX XXXXXXXX {$720.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX  {$1500.00} XX/XX/XXXX I did not give this company authorization to report this collection to my credit report this violates my Privacy Rights Under The Privacy Act of 1974 I took action by asking XXXX XXXX  to send me information on this collection Debt in a form of a letter, still no action was taken on behalf of the company.

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 2024-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
FBI Victim Information Name : XXXX XXXX Reporting on behalf of a business? Yes Business Name : XXXX XXXX XXXX XXXX XXXX Impacting Business Operations? Yes Address : XXXX XXXX XXXX XXXX XXXX XXXX Phone Number : XXXX Email Address : XXXX Business XXXX  POC : XXXX Financial Transaction Details Transaction Type : Bank Wire Transfer XXXX XXXX Amount : {$4000.00} total Date : XX/XX/year> Victim Bank : Wells Fargo, XXXX XXXX XXXX XXXX XXXX XXXX Recipient Name : XXXX XXXX Recipient Email : XXXX, XXXX Incident Description I was targeted through an XXXX  job posting for a remote position with " XXXX XXXX XXXX '' from XXXX. " XXXX XXXX '', " XXXX XXXX '', " XXXX XXXX '', " XXXX XXXX '', " XXXX XXXX ; XXXX '', " XXXX XXXX XXXX '' and " XXXX XXXX '' contacted me via email and XXXX for an virtual interview, and after the interview, I was sent a {$4000.00} check to deposit for work supplies. I was instructed to wire money to multiple individuals via XXXX and XXXX for these supplies. After transferring the funds, the check bounced, and I lost {$4000.00}. The individuals involved were : XXXX XXXX ( XXXX - {$400.00}, Email : XXXX ) XXXX XXXX ( XXXX - {$1000.00}, Email : XXXX ) XXXX XXXX ; XXXX ( Wells Fargo XXXX - {$2000.00}, Email : XXXX, XXXX ) XXXX XXXX XXXX ( Wells Fargo XXXX - {$1000.00}, Email : XXXX ) Emails From : XXXX XXXX XXXX, email : XXXX Content : Interview invitation, job offer, and instructions for sending funds. Victim Information Witnesses : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX Signature I, XXXX XXXX, affirm that the information provided is accurate to the best of my knowledge.

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 2024-09-09 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:
I have sent in several dispute letters via certified mail, the bureau has failed to investigate the accounts in a timely matter and block them from the consumers credit report while the investigation is being completed. I am asking for assistance to expedite this matter and investigate them immediately. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 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:
I have sent in several dispute letters via certified mail, the bureau has failed to investigate the accounts in a timely matter and block them from the consumers credit report while the investigation is being completed. I am asking for assistance to expedite this matter and investigate them immediately. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2024-09-09 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 received a copy of my credit report. To my Surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$2200.00}. According to FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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