vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-21 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: IL

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-05-21 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:
XXXX XXXX XXXX OPENED THIS FRAUD COLLECTION WITHOUT MY KNOWLEDGE. 

XXXX XXXX HAVE A FRAUD COLLECTION ACCOUNT OPENED UNDER MY NAME THAT INACCURATE. 

I AM NOT RESPONSIBLE FOR THIS FRAUD COLLECTION ACCOUNT FROM XXXX XXXX XXXX. 

THE ACCOUNT NUMBER : XXXX WHICH HAVE A FRAUD BALANCE OF {$410.00}

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 2024-05-20 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: GA

Complaint narrative:
According to my records, I have not received a 1099-C form from XXXX XXXX XXXX XXXX as required by the Internal Revenue Service ( IRS ) for the cancellation of debt. The lack of a 1099-C form indicates that the lender has not officially canceled the debt, and therefore, the charge-off should not be reported on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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: TX

Complaint narrative:
I firmly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is imperative that you expeditiously erase this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-21 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-05-20 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: IL

Complaint narrative:
I pulled a copy of my credit report and noticed Fraudulent inquiries that need to be immediately DELETED on grounds of IDENTITY THEFT, and Personal information that needs to be immediately UPDATED. Pursuant to 15 USC 1681c-2 I DID NOT originate nor authorize the following Inquiries.

Also, Pursuant to 15 USC 1681s-2 and 15 USC 1681e ( b ) please update the following personal information as well. DELETE AKA : XXXX, XXXX, XXXX XXXX XXXX XXXX 
DELETE FORMER NAME : XXXX XXXX XXXX, XXXX XXXX AbdullahMD. DELETE FORMER ADDRESS : XXXX XXXX XXXX, XXXX XXXX. ADD NAME : XXXX XXXX XXXX. DELETE INQUIRIES : XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. SEE FTC ATTACHMENT

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 2024-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
Approx. a year ago I received a call from Resurgent Capital Services concerning a credit card debt. that I had reported as fraud XXXX years earlier. I explained to resurgent that this debt was not mine. Several accounts had been opened under my name and I contacted the cred it card company and they closed those accounts and I never heard from them again. 

In XXXX of XXXX I was checking my credit report and saw that Resurgent Capital Services has added that debt to my credit report. I filed a dispute with the credit reporting agency that the debt was not mine. On XX/XX/XXXX I received a letter from Resurgent wanting me to file out a theft report and attach a police report concerning the credit card fraud from XXXX. I researched my options and wrote Resurgent a letter requiring them to follow the FDCPA, XXXX XXXX XXXX XXXX XXXX XXXX ), and the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX laws and to send me the proof the debt is mine. Including proof of the original contract with my signature, account numbers, and an itemized list of the debt. As by law, I gave them XXXX  days to do this and if they could not, they were to remove this debt from my credit report and not contact me again. ( I have attached the letter I sent with a copy of the certified letter receipt ) On XX/XX/XXXX I received a letter from Resurgent Capital Services in response to my letter with another theft form to fill out and a copy of the credit card debt cover letter. No information other then that. No signed contract, no itemization of the debt. ( I have attached that copy ) On XX/XX/XXXX I received another letter from Resurgent with the same information. Still nothing I requested and what is required by XXXX and XXXX XXXX XXXX. ( I've attached that as well ) On XX/XX/XXXX, Resurgent 's XXXX  days were up to provide me with the required by law information I requested. I checked my credit report and Resurgent Capital Services is still on all XXXX of my credit reporting agencies. XXXX, XXXX, and XXXX. I also received a email today from a new collection agency, XXXX XXXX XXXX, trying to collect the debt for XXXX! ( That email is attached ) Resurgent Capital Services is a collection company that buy 's debt from other companies, then tries to come after people for that debt and they do not investigate if that is truly the person debt or not. I have tried the legal way and they continue to try collecting this debt and are affecting my credit in the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XX/XX/year> Dear Experian Credit Reporting Agency, I am writing this complaint to dispute inaccuracies on my credit report related to account XXXX XXXX XXXX  XXXX # XXXXRemove this account for inaccuracy & false reporting because the payment history reflects. XXXX through XXXX ( 120 days ) late on Experian. ok payments XXXX through XXXX for XXXX & Ok payments for XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX # XXXX Delete for inaccuracy because the payment history reflects continue reporting after this account closed on XXXX. Delete this account because the notice of dispute as required within 30 days time-frame from the date of my 1st dispute was received, pursuant to section 623 of the FCRA. Delete this account for inaccuracy because the date last paid on Experian reports XXXX N/A XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX for inaccuracy because the payment history reflects last payment XXXX on Experian. XXXX reports it charged off 60 days late. XXXX reflects nothing. XXXX XXXX XXXX XXXX Delete this account for inaccuracy reporting. Experian is reporting it as a collection past due as of XXXX. XXXX has it reporting as {$0.00} payment history. XXXX has no payment history reporting. I want to bring to your attention that any addresses, phone numbers, email addresses, variations in my name, spelling, initials, and suffixes that differ from the information I am providing are incorrect and should be removed immediately. I do not recognize these discrepancies as accurate. My correct personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, PA XXXX Email : XXXX I am aware of the Fair Credit Reporting Act ( FCRA ), particularly Sections 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 1 ) ( C ), which prohibit furnishers from reporting data they know or believe to be inaccurate to a Credit Reporting Agency ( CRA ). As per the FCRA, if a consumer notifies a furnisher of incorrect information, the furnisher is obligated to cease reporting this misinformation. Non-compliance with the FCRA can lead to legal action from the Federal Trade Commission ( FTC ), Consumer Financial Protection Bureau ( CFPB ), state governments, or directly from consumers. The FCRA specifies maximum penalties of {$4700.00} per violation for lawsuits initiated by the FTC. The incorrect listings on my credit report have a negative impact on my credit. I am concerned that I may be mistaken for someone else with a similar name in my city or state. It is important to note that these inaccuracies are not reported by other credit bureaus. I prefer to be contacted only via mail or email for any correspondence regarding this matter. Sincerely, 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 2024-05-21 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: TX

Complaint narrative:
There are inaccuracies in my credit report, which is unjust for me. I ask that you investigate this matter and resolve it. I am really upset and annoyed with these issues. If there are no updates on my inquiries, I will proceed with legal action.

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 2024-05-20 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: TN

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you require the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. On XX/XX/year>, after not checking my credit report for over 10 years, I discovered a fraudulent, inaccurate, and false account listed under XXXX XXXX  with the account number ( XXXX ). I do not recognize this account, nor did I authorize its creation or any related activity. I feel unsafe knowing that my personal information has been compromised and misused. This fraudulent account must be removed from my credit report immediately to prevent further damage and stress. Please find attached account in question as well as a copy of my consumer XXXX credit report, which shows the fraudulent items. Additionally, I have included a copy of the FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that these accounts, collections, are indeed the result of identity theft and fraud. I request your urgent action to resolve this matter and block the fraudulent information as stipulated by law. Thank you for your prompt attention to this serious issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONTRACT CALLERS INC
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX ss # XXXX D.O.B.XX/XX/XXXX Address XXXX XXXX XXXX  XXXX XXXX ca XXXX ( I attached proof of address as well ) Account name XXXX XXXX XXXX ACCOUNT # : XXXX I have sent a dispute XX/XX/year> stating this collections must be deleted and removed Company above responded that they sent a validation notice to me and the United States post office indicated that it was delivered. This statement is not accurate when I have never received validation notice and the company has not attached the validation notice in their response THIS IS MESLEADING and FALSE REPRESENTATION 15 U.S. Code 1692e - False or misleading representations I also requested an ORIGINAL PURCHASE AGREEMENT in which I never received in an email fax or mail So this account must be immediately deleted and removed Due to NO DEBT VALIDATION!

15 U.S. Code 1692g - Validation of debts Also company CONTRACT CALLERS INC never showed proof of a real investigation. No procedures in case of disputed accuracy! there is no investigation being done by company delete this collection asap 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 U.S. Code 1681i - Procedure in case of disputed accuracy U.S. Code 15 U.S. Code 1692 - Congressional findings and declaration of purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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:
XXXX XXXX XXXX XXXX is inaccurate fraud account and shall delete from my credit report by LAW. 

This account number XXXX with a balance of {$27000.00} shall delete as agreed by the creditor. 

This is not my account and the creditor agreed to delete it from my credit report by LAW.

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 2024-05-21 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:
My name is XXXX XXXX XXXX XXXX ss # XXXX XXXX Address XXXXXXXX XXXX XXXX XXXX XXXX ca XXXX Account name XXXX XXXX ACCOUNT # : XXXX I have sent a dispute XX/XX/2024 stating this collections must be deleted and removed Company above responded that they sent a validation notice to me and the United States post office indicated that it was delivered. This statement is not accurate when I have never received validation notice and the company has not attached the validation notice in their response THIS IS MESLEADING and FALSE REPRESENTATION 15 U.S. Code 1692e - False or misleading representations I also requested an ORIGINAL PURCHASE AGREEMENT in which I never received in an email fax or mail So this account must be immediately deleted and removed Due to NO DEBT VALIDATION!

15 U.S. Code 1692g - Validation of debts Also company XXXX XXXX XXXX never showed proof of a real investigation. No procedures in case of disputed accuracy! there is no investigation being done by company delete this collection asap 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 U.S. Code 1681i - Procedure in case of disputed accuracy U.S. Code

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 2024-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XXXX The bank tellers at XXXX XXXX Citibank refuse to give me my debit card refuse to mail it to me and then they started stealing my money and now when I reported the lady in that bank twice to the fraud people that person continue to get my lawyer and other people to help them steal my money Also the bank teller is stealing a lot of people 's money they know I'm XXXX and refused to allow me access to my account because the bank manager on XXXX XXXX is stealing monies doing this

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 2024-05-21 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-05-21 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: IL

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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: FL

Complaint narrative:
I RECEIVED COPY OF MY CREDIT REPORT AND FOUND THOSE NEW FRAUD INQUIRIES JUST POP UP ON MY CREDIT REPORT. 

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

Company response to consumer: Closed with explanation