vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: Netspend Corporation
State: IL

Complaint narrative:
I got a tax loan for {$1000.00} XX/XX/year> from XXXX XXXX  on a NetSpend card NetSpend close my account I was only able to spend {$300.00} they NetSpend close my account I requested a check or a alternative way to access my remaining balance the last 2 years NetSpend said they send me a check in the mail for my remaining balance from XXXX XXXX  and I never got my money also I have other accounts with NetSpend what money in it that they refuse to give me my money 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 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
refusal to remove collections and inquiries just replying verified after disputes.

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 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
refusal to remove collections and inquiries just replying verified after disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am filing This CFPB complaint to report XXXX separate fraudulent accounts appearing on my consumer fico credit report which I do not recognize as reported and which is the result of identity theft, and fraud. The collections account is by XXXX XXXX opened on XX/XX/year> account number XXXX, in the amount of {$1600.00}. The other account is by a company called XXXX XXXX XXXX in the amount of {$650.00} account number XXXX. I demand that these fraudulent accounts be removed from under my credit Profile reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. The XXXX Credit bureaus that are reporting these fraudulent and inaccurate collection accounts are XXXX XXXX Equifax and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 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: WA

Complaint narrative:
Equifax XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX & XXXX XXXX I am requesting a reinvestigation of the following accounts Listed below Account Name : XXXX XXXX Account Balance : {$XXXX} Dispute Reason : The payment history is reporting incompletely. There are many years that are missing data. It also says that this account is a collection but that is not reflecting on the account type. The monthly payment is also inaccurate. 
Were requesting a thorough reinvestigation of this account. Please make sure that all aspects of this account are reported 100 % completely and accurately. Per 15 USC 1681 et seq., governs access to consumer credit rep
ort records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). A CRA is an entity that assembles and sells credit information and financial information about individuals

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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:
Subject : Notice of Deletion of XXXX XXXX XXXX XXXX Charge-Off and Request for Removal from All Credit Reports Dear Sir/Madam, I am writing to inform you of the recent deletion of a charge-off from my XXXX credit report related to XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX The account, identified as " XXXX XXXX XXXX XXXX XXXX, '' had a reported balance of {$1000.00} and was listed as a charge-off. 

As of XX/XX/year>, after submitting a formal dispute, XXXX completed their investigation and deleted the account from my XXXX report. Please find the relevant details of the account : Account Name : XXXX XXXX XXXX XXXX Account Type : Charge-Off Amount : {$1000.00} Dispute Resolution Date : XX/XX/year> Outcome : Account Deleted According to the Fair Credit Reporting Act ( FCRA ), a consumer is entitled to accurate and verifiable information being reported on their credit report. Since XXXX has completed their investigation and determined that the information is unverifiable, they have deleted this account from my XXXX credit file. 

In light of the deletion from XXXX, I kindly request that all other credit reporting agencies, including but not limited to XXXX, XXXX, and TransUnion, conduct a thorough review of this account. If these agencies can not verify this debt, I am requesting that they remove the account from my credit reports as well. The FCRA mandates that credit reporting agencies must ensure that any information they report is accurate, and if they can not verify the information, it must be deleted. 

Legal Basis for Removal : Fair Credit Reporting Act ( FCRA ) Section 1681i : This section states that if any information is found to be inaccurate or unverifiable during a dispute process, it must be removed or corrected. Given that XXXX  has deleted the account, the other CRAs are obligated to ensure their reports reflect accurate and verified information.

Fair Credit Reporting Act ( FCRA ) Section 1681e ( b ) : Requires that credit reporting agencies maintain procedures to ensure the accuracy of the information reported. 

Please take notice that I am requesting the removal of this unverifiable account within 30 days or less. If the account is not removed in the specified timeframe, I reserve the right to pursue legal action, including suing for violation of my rights under the FCRA. I understand that under FCRA Section 1681n, I may be entitled to seek damages if my rights have been violated, including statutory damages and attorney fees. 

I look forward to your prompt resolution of this matter and expect that the unverifiable account will be removed within the legally required timeframe.

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 2024-12-29 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: FL

Complaint narrative:
Subject : Notice of Deletion of XXXX XXXX XXXX XXXX XXXX and Request for Removal from All Credit Reports Dear Sir/Madam, I am writing to inform you of the recent deletion of a charge-off from my XXXX credit report related to XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX The account, identified as " XXXX XXXX XXXX XXXX XXXX, '' had a reported balance of {$1000.00} and was listed as a charge-off. 

As of XX/XX/year>, after submitting a formal dispute, XXXX completed their investigation and deleted the account from my XXXX report. Please find the relevant details of the account : Account Name : XXXX XXXX XXXX XXXX Account Type : Charge-Off Amount : {$1000.00} Dispute Resolution Date : XX/XX/year> Outcome : Account Deleted According to the Fair Credit Reporting Act ( FCRA ), a consumer is entitled to accurate and verifiable information being reported on their credit report. Since XXXX has completed their investigation and determined that the information is unverifiable, they have deleted this account from my XXXX credit file. 

In light of the deletion from XXXX, I kindly request that all other credit reporting agencies, including but not limited to Equifax, XXXX, and XXXX, conduct a thorough review of this account. If these agencies can not verify this debt, I am requesting that they remove the account from my credit reports as well. The FCRA mandates that credit reporting agencies must ensure that any information they report is accurate, and if they can not verify the information, it must be deleted. 

Legal Basis for Removal : Fair Credit Reporting Act ( FCRA ) Section 1681i : This section states that if any information is found to be inaccurate or unverifiable during a dispute process, it must be removed or corrected. Given that XXXX has deleted the account, the other CRAs are obligated to ensure their reports reflect accurate and verified information. 

Fair Credit Reporting Act ( FCRA ) Section 1681e ( b ) : Requires that credit reporting agencies maintain procedures to ensure the accuracy of the information reported. 

Please take notice that I am requesting the removal of this unverifiable account within 30 days or less. If the account is not removed in the specified timeframe, I reserve the right to pursue legal action, including suing for violation of my rights under the FCRA. I understand that under FCRA Section 1681n, I may be entitled to seek damages if my rights have been violated, including statutory damages and attorney fees. 

I look forward to your prompt resolution of this matter and expect that the unverifiable account will be removed within the legally required timeframe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 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: FL

Complaint narrative:
This letter serves as a follow-up to prior communications regarding the XXXX XXXX XXXX account that XXXX  has inaccurately reported as accurate. Despite this assertion, the company furnishing the information has failed to provide proper certification of the alleged debt. Additionally, they have responded to the CFPB complaint but failed to certify that they possess or can produce the original document obligating me to pay, either for my review or for review by a judge in court upon request. 
As your legal team can confirm, under the rules of evidence, the company must produce the original document to establish standing in any claim. Furthermore, they have failed to return the debt collector certification, further discrediting their claim. By failing to produce such documentation, they have effectively conceded that they do not have a valid claim. 
Please be advised that XXXX is engaging in fraudulent reporting, in violation of Title 15, Section 1611 of the U.S. Code. By continuing to report inaccurate, incomplete, and unverifiable information after being notified, XXXX assumes liability for these actions. Liability for this debt has not been lawfully established. 
Please be advised that XXXX is engaging in fraudulent reporting, in violation of Title 15, section 1692 ( e ) of the U.S. Code A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Liability for this debt has not been lawfully established. 
PLEASE SEE ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized XXXX reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-12-29 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:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized XXXX reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-12-29 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:
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 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 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 I looked at my Trans Union credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( XXXX ) ( b ). 

And according to 15 USC 1681i XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( XXXX ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 


and according to 15 USC 1681s-2 they are suppose to 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 2024-12-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Revco Management, LLC
State: OH

Complaint narrative:
Received a letter from Revco Solutions for {$57.00} from XXXX XXXX XXXX XXXX 
XXXX XXXX XXXXXXXX. 
As to my knowledge I never received a bill in the mail. However I did receive a letter in the mail about a Notice of XXXX XXXX involving my XXXX XXXX. 
I would like the name and address of the original creditor mailed or contacted. If this happens to be my bill, I would be more than XXXX to pay this bill. 
If either collector wants to email in writing to remove debt from my credit report through pay for delete agreement. 
Thank You

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CL Holdings LLC
State: GA

Complaint narrative:
Trying to collect a debt thats old when the companys already sold the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kingston Data & Credit International Inc.
State: IL

Complaint narrative:
The debit agency provided the document attached, however, it does not show anything " XXXX XXXX and XXXX XXXX '' can collect on the alleged debt. Thank you for providing the original contract with XXXX XXXX. However, this does not demonstrate XXXX XXXX and XXXX XXXX has the legal right to collect the debt. If you can not provide that information, I request that you cease collection efforts and remove this debt from my credit report by the Fair Debt Collection Practices Act ( FDCPA ) specifically 15 U.S.C 1692 ( XXXX ) and ( f ). As a consumer, I have the right under the FCRA to dispute inaccurate or unverifiable information on my credit report. 

XXXX XXXX and XXXX XXXX have not been assigned collection rights, attempting to collect violates these provisions. XXXX to do so with my consent is considered an unfair practice under XXXX. Failure to provide documentation ( purchase agreement, bill of sale for XXXX XXXX and XXXX ) of ownership or authorization to collect can lead to violations of the FDCPA and state laws, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: GA

Complaint narrative:
VALIDATION AND CEASE AND DESIST 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 XXXXXXXX Dear ( Debt Collector ) 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 : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. 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. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose : Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors : I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: GA

Complaint narrative:
VALIDATION AND CEASE AND DESIST 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 Dear ( Debt Collector ) 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 : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. 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. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose : Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors : I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.

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 2024-12-29 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: SC

Complaint narrative:
I recently received a copy of my report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation