vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: United Collection Bureau, Inc.
State: TX

Complaint narrative:
I received a call from a company called UCB Collection and they were trying to intimidate me and I do not know who they are. I told the rep to place a cease and desist for all calls and only communicate in writing only. I do not have any business with them at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: DE

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 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 Conserve I'm unaware this debt. I did not receive proper notification to be allow to dispute this debt. 
Please provide certified mail with a receipt bearing my signature. If not please remove asap.

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 2024-10-02 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: VA

Complaint narrative:
I am filing this complaint because I have noticed several collection accounts on my credit reports that I do not recognize or have any knowledge of. These accounts are inaccurately listed under my name, and my attempts to resolve this issue with the credit bureaus have not led to any meaningful action. 
I have provided supporting documentation requesting verification and removal of these erroneous accounts, yet the credit bureaus continue to report them as valid without offering substantial proof. This has caused significant damage to my credit score and overall financial well-being, and the lack of assistance from the credit bureaus is both frustrating and unjust. 
XXXX XXXX : XXXX : {$220.00} XXXX XXXX  : XXXX : {$790.00} XXXX : XXXX : {$130.00} XXXX XXXX  : XXXX : {$600.00} XXXX XXXX : XXXX : {$0.00} XXXX  : XXXX : {$610.00}

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 2024-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
I continue to receive demands from transworld systems claiming I owe for a fedex purchase which I never received. I am not aware of the purchase in question. The last time this company bothered me it was an attempt to collect for an item I never even received. And it was cleared from my credit card as they agreed that I never received this item. Furthermore, I have no idea why I would even owe an additional fee to fedex for any reason regardless if the item had been received. This is an attempt to harass and collect monies that I DO NOT OWE. I want this to stop now as it has continued for far too long. I am reaching out for your kind assistance as this agency does not seem to have any internal checks and balances to justify their demands. 
To be clear I have no idea what transworld continues to harass me regarding, but I want it to stop now. I do not owe for any items whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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: LA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

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 2024-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Continental Finance Company, LLC
State: MO

Complaint narrative:
I was contacted by a man saying he represents XXXX XXXX XXXX. He informed me this was in regards to a credit card I got when I was around XXXX XXXX XXXX. I am XXXX XXXX XXXX now. They threatened to sue me for XXXX plus dollars, when the original amount of the card was XXXX. After looking into the statue of limitations, I found information alluding to XXXX years for a credit card. I attempted to resolve this by offering a lower amount to do the right thing, but they refuse to send me any actual paperwork proving the credit card debt. He stated his boss XXXX XXXX would have a sheriff find me and would see me in court. I'm not sure if this is a scammed or not, after researching the name XXXX XXXX XXXX, alot of scammed information was found. I do remember getting a credit card when I was younger, buy they canceled the card and added a whole bunch of fees that I didn't feel was right. I have lived at my current address for over XXXX years and have never received a letter from them stating I own them anything. I have checked my credit report and made attempts to pay all my past accounts to do the right thing, but this I feel is possibly a scam. Or at least past the statue of limitations.

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 2024-10-02 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: FL

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.

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 2024-10-02 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: NY

Complaint narrative:
I am filing a complaint against Equifax regarding the incorrect reporting of an account from the XXXX XXXXXXXX XXXX XXXX XXXX ( Account Number : XXXX ) on my credit report. This account contains inaccurate information that the original creditor can not verify, as they do not have an office of compliance to validate the report data. 

Details of the Complaint : Inaccurate Account Information : The account name, balance, original balance, payment history, and balance update are all incorrect.

This account is marked as closed and should not appear on my credit file in its current form.

Failure of Verification : The XXXX XXXXXXXX XXXX XXXXXXXX XXXX does not have an office of compliance to verify the reporting data. Therefore, the information on this account can not be verified, which violates my rights under the Fair Credit Reporting Act ( FCRA ). 

Impact : The inaccurate reporting of this account has caused significant harm to my credit profile, negatively affecting my ability to obtain credit. This has resulted in unwarranted financial stress and hardship. I believe Equifaxs actions violate 15 U.S. Code 1681e ( b ) - Accuracy of Report, under the FCRA.

Request for Resolution : I am requesting the CFPBs assistance in ensuring that Equifax fulfills its obligations under the FCRA by : Deleting the inaccurate account information from my credit report. 
Conducting a thorough and reasonable investigation into my dispute. 
Providing me with an updated copy of my credit report reflecting the deleted account. 
I expect a swift resolution to prevent further damage to my credit standing and financial well-being. I have attached a copy of my identification, social security card, and the disputed account with highlighted incorrect information for your reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: M&T BANK CORPORATION
State: DE

Complaint narrative:
Around XX/XX/XXXX M & T bank " locked '' my account which resulted in all my recurring payments failing. A week later, I called the bank and was given an excuse that my account was locked due to the bank on being able to verify my identity per the XXXXatriot Act ( which was enacted XX/XX/XXXX ). So it took M & T nearly XXXX years to verify our identity? My husband filed a complaint and XXXX from the XXXXffice of the President reached out. She provided an invalid email : XXXX ATTN : XXXX XXXX XXXX I to send all documentation ands unnecessary late fees we incurred due to M & T 's negligence to verify our information for XXXX years. M & T bank held my money " hostage '' and caused many issues, then in attempt to solve the problem didn't even provide correct contact info. What a great way to solve a problem M & T caused and give us the runaround. XXXX suggested to my husband we contact all of the companies that assessed late fees and ask to reverse them

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 2024-10-02 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: AL

Complaint narrative:
I am writing to formally express my deep concern regarding the unresolved inaccuracies on my credit report, which I have previously disputed on multiple occasions. Despite my consistent efforts to request a thorough investigation, the inaccuracies remain uncorrected, and I have yet to receive any resolution or corrective action. 

These erroneous accounts are significantly damaging my credit file and have created substantial obstacles in my daily life. The negative impact on my financial well-being has caused undue hardship, and I am left with no choice but to urgently request your assistance in rectifying this situation. 

I kindly request that a thorough investigation be conducted into each of the disputed accounts, and that the necessary steps be taken to update and correct my credit report without further delay. Restoring the accuracy of my credit file is imperative, and I hope your team will give this matter the attention it deserves. 

Your prompt cooperation in resolving this issue would be greatly appreciated. I trust that, with your help, I can restore the integrity of my credit report and regain control over my financial stability. 

Thank you for your understanding and swift action in addressing 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 2024-10-02 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: CA

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-10-02 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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Accounts : 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 I looked at my Experian 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 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, if after any reinvestigation under paragraph ( 1 ) 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 ( i ) 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 ( ii ) 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 2024-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL

Complaint narrative:
Conserve # XXXX I'm unaware of this debt of this debt. I did not receive proper notification to dispute this debt, if you believe you have supplied as such information please provided certified mail with receipt. Please remove ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Dear CFPB, I am writing to raise an issue that Ive encountered across multiple financial institutions, including Capital One, XXXX XXXX, XXXX, and others, regarding the incorrect validation of my Individual Taxpayer Identification Number ( ITIN ). My ITIN ends in XXXX, and many banks are rejecting it as invalid during the application process for credit cards and other financial services. 

It appears that these institutions are applying Social Security Number ( SSN ) validation rules to ITINs, which results in numbers ending in XXXX being treated as invalid. According to IRS guidelines, this should not be the case, as ITINs follow a different structure than SSNs and the final digits XXXX in an ITIN are valid. However, the systems of these banks continue to reject my number, preventing me from accessing essential financial services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CLGF Holdco 1, LLC
State: MD

Complaint narrative:
I received an email from XXXX XXXX  stating I had a hard hit on my credit report from CB Indigo. I have not applied for any credit cards. I believe this is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 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: IN

Complaint narrative:
PLEASE BLOCKED AND REMOVED I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
Since 2020 i have been going back and forth with USAA bank about an unauthorized checking and and credit cards opened in my name. 

the bank states that they have handle this and removed all reporting from my profiles and locked the profiles. 

they then procced to advise me that because i reported fraud on the accounts which i never opened them to began with, that if i was to ever want to bank with them that i can not because i had ID theft. 

seems to me that you are still holding me liable for a fraudulent account that you allowed to be opened without my constant. 

this violated all of my rights under fair credit reporting and civil actions. If i never had the account nor never authorized the accounts then why is the accounts stopping me from becoming a member

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