vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: TN

Complaint narrative:
To Whom It May Concern : I am sending this letter to you in response to a collection notice I received from you on XX/XX/year>. 

Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 US Code 1692g that your claim is disputed and validation is requested. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following account number ( s ) : WAKEFIELD & ASSOCIATES Account Number : XXXX Please provide me with the following : Agreement with the original creditor that authorizes you to collect on this alleged debt and/or verification that this alleged debt was assigned or sold to you. 
The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations in Tennessee has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Proof that you are licensed to collect in my state ; and Your license numbers and Registered Agent or Agent of Service. 
This will also serve as your legal notice under the federal Fair Debt Collection Practices Act ( FDCPA ), to cease all communication with me concerning the alleged debt referenced above. Do not contact me, members of my family, employers, or any other third parties regarding this debt. 

This includes all communication by telephone or electronic communications, such as email or texts made by your company, representatives, or agents. If your offices, representatives, or agents attempt communication with me, members of my family, employers, or any other third parties, it will be considered harassment and I will bring this matter before a judge. 

All future communications with me MUST be done in writing via USPS and sent to the address noted in this letter. 

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: OK

Complaint narrative:
I moved to this property twice. This first time was around XXXX. The second time was around XXXX, this debt was mandatory to be paid in full prior to moving back in XXXX. I was also told prior to move in XXXX, this debt was again needed to be paid in full. In XXXX I personally took money order to apartment complex office paying this debt in XXXX. This is an incorrect collection on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 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: GA

Complaint narrative:
INCORRECT RESIDENT ADDESSES ON CREDIT REPORT/TRANSUNION, XXXX, AND 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 2024-12-15 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: GA

Complaint narrative:
INCORRECT RESIDENT ADDESSES ON CREDIT REPORT/XXXX, XXXX, AND EXPERIAN

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 2024-12-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : XX/XX/year> | XXXX : XXXX RE : XXXX Block Request Dear Sir or Madam : I am a victim of XXXX  XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
Item ( s ) resulting from trafficking that should be blocked : 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 Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX Please Contact Via Mail Enclosures : A self-attestation & Proof of Identity 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 2024-12-14 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 am writing to dispute a fraudulent collection reporting on my credit report. I already disputed and reported this fraudulent account directly to XXXX and provided them the police reported dated on XX/XX/year>, which they deleted the fraudulent account from all three of my credit reports. However, after reviewing my credit, I was very frustrated when I saw that there was a collections account being reported on my credit that charge on my account in the amount of {$740.00}. 

I was a victim of identity theft, and those XXXX charges did not belong to me. Please see the enclosed police report, dated 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 non-monetary relief
Consumer complaint received 2024-12-14 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 am writing to dispute a fraudulent collection reporting on my credit report. I already disputed and reported this fraudulent account directly to XXXX and provided them the police reported dated on XX/XX/year>, which they deleted the fraudulent account from all three of my credit reports. However, after reviewing my credit, I was very frustrated when I saw that there was a collections account being reported on my credit that charge on my account in the amount of {$740.00}. 

I was a victim of identity theft, and those XXXX charges did not belong to me. Please see the enclosed police report, dated 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 2024-12-15 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: CA

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 2024-12-14 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: AMERICAN EXPRESS COMPANY
State: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: NJ

Complaint narrative:
I recently received a copy of my credit and noticed that I had a fraudulent account on my credit report. Please remove this account from my credit report, they are hurting my ability to obtain credit.

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 2024-12-14 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: NJ

Complaint narrative:
I recently received a copy of my credit and noticed that I had a fraudulent account on my credit report. Please remove this account from my credit report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX are all inquiries that I did not and never authorized to run my credit, I have not asked for them to be run my credit and have no business with them. XXXX XXXX XXXX has a collection on my credit report and I have no business, nor have Fraudulent Collection Accounts : The following collection accounts have been inaccurately attributed to me and do not belong to me : XXXX XXXX XXXX Account Number : XXXX Balance : {$460.00} XXXX  XXXX Account Numbers : XXXX and XXXX Balances : {$810.00} and {$210.00} The CRAs failure to remove these unauthorized inquiries and fraudulent accounts, despite my disputes, constitutes a violation of the FCRA Legal Violations : Failure to Ensure Maximum Possible Accuracy ( FCRA, 15 U.S.C. 1681e ( b ) ) : The CRAs are obligated to maintain accurate information on consumer reports. Reporting unauthorized inquiries and fraudulent collection accounts is a direct violation of this requirement.

Failure to Conduct a Reasonable Investigation ( FCRA, 15 U.S.C. 1681i ( a ) ) : Ive asked numerous times to remove any address from my Credit report thats only has my ID and Bill addressed that has not been removed. Upon receiving my disputes, the CRAs were required to conduct a reasonable investigation into these items. Instead, they claimed the information was verified without providing supporting documentation or details of their investigation. 
Unauthorized Inquiries ( FCRA, 15 U.S.C. 1681b ) : A credit inquiry must have a permissible purpose. The above-listed inquiries were made without my authorization, and the CRAs have failed to validate their legitimacy.

Impact on Me : These unauthorized inquiries and fraudulent collections have caused significant harm, including : A decline in my credit score.

Denied access to credit opportunities.

Reputational damage as a consumer. 
Emotional distress due to financial hardship.

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 2024-12-14 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: MI

Complaint narrative:
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  are all inquiries that I did not and never authorized to run my credit, I have not asked for them to be run my credit and have no business with them. XXXX XXXX XXXX has a collection on my credit report and I have no business, nor have Fraudulent Collection Accounts : The following collection accounts have been inaccurately attributed to me and do not belong to me : XXXX XXXX XXXX Account Number : XXXX Balance : {$460.00} XXXX  XXXX Account Numbers : XXXX and XXXX Balances : {$810.00} and {$210.00} The CRAs failure to remove these unauthorized inquiries and fraudulent accounts, despite my disputes, constitutes a violation of the FCRA Legal Violations : Failure to Ensure Maximum Possible Accuracy ( FCRA, 15 U.S.C. 1681e ( b ) ) : The CRAs are obligated to maintain accurate information on consumer reports. Reporting unauthorized inquiries and fraudulent collection accounts is a direct violation of this requirement.

Failure to Conduct a Reasonable Investigation ( FCRA, 15 U.S.C. 1681i ( a ) ) : Ive asked numerous times to remove any address from my Credit report thats only has my ID and Bill addressed that has not been removed. Upon receiving my disputes, the CRAs were required to conduct a reasonable investigation into these items. Instead, they claimed the information was verified without providing supporting documentation or details of their investigation.

Unauthorized Inquiries ( FCRA, 15 U.S.C. 1681b ) : A credit inquiry must have a permissible purpose. The above-listed inquiries were made without my authorization, and the CRAs have failed to validate their legitimacy.

Impact on Me : These unauthorized inquiries and fraudulent collections have caused significant harm, including : A decline in my credit score.

Denied access to credit opportunities.

Reputational damage as a consumer. 
Emotional distress due to financial hardship.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 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: FL

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2024-12-15 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: MD

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 explanation
Consumer complaint received 2024-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
I send I letter and went on sight to dispute nothing has happened

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: GA

Complaint narrative:
Experian has violated 15 USC 1681, the FCRA, on multiple occasions. They use stall tactics to delay the dispute process and allow items to remain within my consumer report without my consent. They also actively violated 18 USC 1028A as a non-affiliated party to any account reported within my consumer report. According to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. 2016 ), a consumer report is considered a medium of communication and is thus subject to cease and desist requirements. According to the IRS an unpaid charge-off ( XXXX XXXXXXXX account ) is income and according to the FCRA income can not be reported on a credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/XXXX I reached out to chime bank after I received a notification from a creditor stating my purchase couldnt be completed, I tried multiple times to log into my chime account, however my email address was not accessible, upon reaching out to chime I had discovered my account was about - {$29.00} in the negative. I urged for all my account information to be changed, email, pin, card physical and the virtual card. The claim representative emailed me a statement to my updated email and there was XXXX unauthorized transactions. Mostly being transferred from my chime account to a cash app. I placed a claim with chime. I was promised XX/XX/XXXX funds will be credited onto my account.. XX/XX/XXXX morning i reached out to chime fraud to provide my police report number. And see on a update, on this very urgent matter, the fraud protection lady had me upload the police report and confirmed my provisional credit will be issued., she stated I did not need to provide anything else, however a hour later XX/XX/XXXX I got a email from Chime saying my claim was denied. No error had been found. I reached back out to chime upset I was then told that the previous rep accidentally pressed a button to automatically deny the claim. He then apologized and reopened the claim. XX/XX/XXXX I uploaded my ftc affidavit to chime XX/XX/XXXX i received a email from support with the claim intake information used to determine the claim having no error which was completed with answers I did not state, the answers the rep entered contradicted what I stated happened. I immediately contacted chime and questioned this the rep in fraud stated to disregard the email and I have nothing to worry about XX/XX/XXXX i received a email from chime saying my claim has no error which!

Company response to consumer: Closed with non-monetary relief