vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-13 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: FL

Complaint narrative:
I never had an transactions with either XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX So, I filed an Identity Theft Affidavit with the Federal Trade Commission as I believe that I was a victim of Identity Theft. I sent a copy of the fraud affidavit to the credit bureaus and the reporting agency asking them to remove this fraudulent account from my credit report and they refused and failed to do so and this is a clear violation of the Fair Credit Reporting Act The law is explained below : The section of the Fair Credit Reporting Act ( FCRA ) that addresses the removal of fraudulent information related to identity theft is Section 605B ( 15 U.S.C. 1681c-2 ), which is titled " Blocking of Information Resulting from Identity Theft. '' This section states that when a consumer provides a credit reporting agency with an identity theft report, the agency must block the reporting of the fraudulent account or information from the consumer 's credit report. Specifically, it requires the credit reporting agencies to remove or block the reporting of information that is the result of identity theft within four business days after receiving : 1 ) Appropriate proof of the identity of the consumer. 2 ) A copy of an identity theft report ( such as an affidavit ). 3 ) The identification of such information by the consumer. 4 ) A statement by the consumer that the information is not related to any transaction of the consumer. The consumer must submit an identity theft affidavit or report ( often obtained through law enforcement or an affidavit via the FTC ). Upon receiving the documentation, the credit reporting agency is obligated to block the fraudulent information from appearing on the consumers credit report. I have am submitting once again a copy of the fraud affidavit that I had submitted before and I am asking you to delete the account called XXXXXXXX XXXX XXXX from my credit report immediately. A failure to do so will result in taking legal actions against your company for violating my rights under the Fair Credit Reporting Act. Delete the account called XXXX XXXX from my credit report immediately. I have attached a copy of the law that deals with identity theft and the reporting of such information on the person 's credit report. kindly see file attached.

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 2024-10-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Midland Credit Management- XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MI XXXX RE : Validation Required XX/XX/year> Re : Account # XXXX To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
* Provide breakdown of fees including how you calculated what you claim I owe. XXXX Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt * Cease any credit bureau reporting until debt has been validated by me as required under theFCRASend me proof that you are licensed to collect debt in my state. 
: Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with the above requested proof. Upon receiving it, I will correspond back w you. 
Sincerely. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Mercury Technologies, Inc.
State: KY

Complaint narrative:
On XX/XX/year>, XXXX XXXX agreed to pay XXXX XXXX for developing an XXXX  version of the XXXX XXXX. An initial payment of {$2000.00} was made, with the remaining {$2000.00} due upon project completion. However, Mercury XXXX  has placed a hold on these funds without providing a clear reason. Despite the agreed-upon milestones and payment terms outlined in the contract, the funds remain inaccessible, causing delays and potential disruptions to the project timeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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:
Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security XXXX My correct address is : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX My employer is : Self employed Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. 
Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief. 
Under Section 611 of the FCRA ( Fair Credit Reporting Act ), I expect you to delete these negative accounts and provide me with an updated report within 30 days.

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 2024-10-13 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:
Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX XXXX My correct date of birth : XX/XX/scrub>XXXX  My correct Social Security XXXX My correct address is : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX My employer is : Self employed Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. 
Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief. 
Under Section 611 of the FCRA ( Fair Credit Reporting Act ), I expect you to delete these negative accounts and provide me with an updated report within 30 days.

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 2024-10-13 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: CO

Complaint narrative:
I SENT DISPUTES IN 0VER 7 WEEKS AGO. THE ACCOUNTS WERE NOT PROPERLY VERIFIED, NOT DELETED AND ARE STILL REPORTING INACCURATE INFORMATION ON MY CONSUMER REPORT. THE ACCOUNTS THAT I WAS DISPUTING WERE INACCURATE AND NOT PROPERLY VERIFIED., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ARE SHOWING DIFFERENT DATES OF LAST ACTIVITY. ( I DEMAND THAT THE ACCOUNTS BE DELETED BECAUSE THEY ARE SHOWING SEVERAL INACCURACIES IN REPORTING ON MY CONSUMER REPORT. HOW CAN THE SAME CREDITOR HAVE DIFFERENT INFORMATION AMONG 3 DIFFERENT CONSUMER AGENCIES? THEY CAN NOT, AND THIS A VIOLATION OF THE FCRA, AND ALL ACCOUNTS THAT ARE NOT VERIFIED AND NOT ACCURATE MUST BE DELETED AND BLOCKED FROM MY CONSUMER REPORT IMMEDIATELY. ) I HAVE COPIES OF THE INACCURACIES, AND IF THEY ARE NOT DELETED I WILL PROMOTLY START THE LITIGATION PROCESS THROUGH THE CFPB PORTAL AND A CONSUMER ATTORNEY -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I ALSO HAVE LOANS WITH ( XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX ) SHOWING LATE PAYMENTS IN THE PAYMENT HISTORY WHICH IS INACCURTAE. I HAVE NEVER LATE ON ANY PAYMENT SINCE HAVING THESE LOANS. THE PAYMENTS NEED TO BE UPDATED TO NEVER LATE, OK, ON-TIME IN THE ENTIRE PAYMENT HISTORY. AGAIN, I WILL START LITIGATION IF THESE DATES ON THESE ACCOUNTS ARE NOT UPDATED TO PAID ON-TIME, NEVER LATE.

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 2024-10-13 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 complained to the credit bureaus before letting them know that a fraudulent address was listed on my credit report and that I was a victim of identity theft. I even submitted copies of the identity theft reports and according to the Fair credit reporting act. Once a customer submits an identity theft affidavit, proof of identity then the credit bureau must remove and block such information that is been disputed within XXXX business days of getting the complaint and been notified that the account been reported is false due to identity theft. On my credit report an incorrect address is listed which is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I never lived at this address.

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 2024-10-13 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: CA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-10-13 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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-10-13 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: CA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
Credit collection services is attempting to collect a debt on behalf of XXXX XXXX XXXX ' the debt is erroneous because I canceled the service by virtue of 'non ' payment. The collector is also attempting to contact me outside of allowable hours and is using harassing and/ or persistent techniques to collect on this erroneous debt. Additionally, the amount requested {$67.00} is not recognized as a 'correct ' amount, the company and it's agents/ representatives do not have the correct contact information for me, they can not or will not produce an original 'wet signature ' showing the 'valid " contract and any resulting 'debt ' is not enforceable. Company is also, allegedly, abusing the process by threatening negative credit impacts from a debt they can not leggaly collect upon.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I never had an transactions with either XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX So, I filed an Identity Theft Affidavit with the Federal Trade Commission as I believe that I was a victim of Identity Theft. I sent a copy of the fraud affidavit to the credit bureaus and the reporting agency asking them to remove this fraudulent account from my credit report and they refused and failed to do so and this is a clear violation of the Fair Credit Reporting Act The law is explained below : The section of the Fair Credit Reporting Act ( FCRA ) that addresses the removal of fraudulent information related to identity theft is Section 605B ( 15 U.S.C. 1681c-2 ), which is titled " Blocking of Information Resulting from Identity Theft. '' This section states that when a consumer provides a credit reporting agency with an identity theft report, the agency must block the reporting of the fraudulent account or information from the consumer 's credit report. Specifically, it requires the credit reporting agencies to remove or block the reporting of information that is the result of identity theft within four business days after receiving : 1 ) Appropriate proof of the identity of the consumer. 2 ) A copy of an identity theft report ( such as an affidavit ). 3 ) The identification of such information by the consumer. 4 ) A statement by the consumer that the information is not related to any transaction of the consumer. The consumer must submit an identity theft affidavit or report ( often obtained through law enforcement or an affidavit via the FTC ). Upon receiving the documentation, the credit reporting agency is obligated to block the fraudulent information from appearing on the consumers credit report. I have am submitting once again a copy of the fraud affidavit that I had submitted before and I am asking you to delete the account called XXXXXXXX XXXX XXXX  from my credit report immediately. A failure to do so will result in taking legal actions against your company for violating my rights under the Fair Credit Reporting Act. Delete the account called XXXX XXXX from my credit report immediately. I have attached a copy of the law that deals with identity theft and the reporting of such information on the person 's credit report. kindly see file attached.

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 2024-10-13 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: CO

Complaint narrative:
I SENT DISPUTES IN 0VER 7 WEEKS AGO. THE ACCOUNTS WERE NOT PROPERLY VERIFIED, NOT DELETED AND ARE STILL REPORTING INACCURATE INFORMATION ON MY CONSUMER REPORT. THE ACCOUNTS THAT I WAS DISPUTING WERE INACCURATE AND NOT PROPERLY VERIFIED., XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ARE SHOWING DIFFERENT DATES OF LAST ACTIVITY. ( I DEMAND THAT THE ACCOUNTS BE DELETED BECAUSE THEY ARE SHOWING SEVERAL INACCURACIES IN REPORTING ON MY CONSUMER REPORT. HOW CAN THE SAME CREDITOR HAVE DIFFERENT INFORMATION AMONG 3 DIFFERENT CONSUMER AGENCIES? THEY CAN NOT, AND THIS A VIOLATION OF THE FCRA, AND ALL ACCOUNTS THAT ARE NOT VERIFIED AND NOT ACCURATE MUST BE DELETED AND BLOCKED FROM MY CONSUMER REPORT IMMEDIATELY. ) I HAVE COPIES OF THE INACCURACIES, AND IF THEY ARE NOT DELETED I WILL PROMOTLY START THE LITIGATION PROCESS THROUGH THE CFPB PORTAL AND A CONSUMER ATTORNEY -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I ALSO HAVE LOANS WITH ( XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX ) SHOWING LATE PAYMENTS IN THE PAYMENT HISTORY WHICH IS INACCURTAE. I HAVE NEVER LATE ON ANY PAYMENT SINCE HAVING THESE LOANS. THE PAYMENTS NEED TO BE UPDATED TO NEVER LATE, OK, ON-TIME IN THE ENTIRE PAYMENT HISTORY. AGAIN, I WILL START LITIGATION IF THESE DATES ON THESE ACCOUNTS ARE NOT UPDATED TO PAID ON-TIME, NEVER LATE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-13 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: CO

Complaint narrative:
I SENT DISPUTES IN 0VER 7 WEEKS AGO. THE ACCOUNTS WERE NOT PROPERLY VERIFIED, NOT DELETED AND ARE STILL REPORTING INACCURATE INFORMATION ON MY CONSUMER REPORT. THE ACCOUNTS THAT I WAS DISPUTING WERE INACCURATE AND NOT PROPERLY VERIFIED., XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ARE SHOWING DIFFERENT DATES OF LAST ACTIVITY. ( I DEMAND THAT THE ACCOUNTS BE DELETED BECAUSE THEY ARE SHOWING SEVERAL INACCURACIES IN REPORTING ON MY CONSUMER REPORT. HOW CAN THE SAME CREDITOR HAVE DIFFERENT INFORMATION AMONG 3 DIFFERENT CONSUMER AGENCIES? THEY CAN NOT, AND THIS A VIOLATION OF THE FCRA, AND ALL ACCOUNTS THAT ARE NOT VERIFIED AND NOT ACCURATE MUST BE DELETED AND BLOCKED FROM MY CONSUMER REPORT IMMEDIATELY. ) I HAVE COPIES OF THE INACCURACIES, AND IF THEY ARE NOT DELETED I WILL PROMOTLY START THE LITIGATION PROCESS THROUGH THE CFPB PORTAL AND A CONSUMER ATTORNEY -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I ALSO HAVE LOANS WITH ( XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX ) SHOWING LATE PAYMENTS IN THE PAYMENT HISTORY WHICH IS INACCURTAE. I HAVE NEVER LATE ON ANY PAYMENT SINCE HAVING THESE LOANS. THE PAYMENTS NEED TO BE UPDATED TO NEVER LATE, OK, ON-TIME IN THE ENTIRE PAYMENT HISTORY. AGAIN, I WILL START LITIGATION IF THESE DATES ON THESE ACCOUNTS ARE NOT UPDATED TO PAID ON-TIME, NEVER LATE.

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