vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Firstsource Business Process Services, LLC
State: UT

Complaint narrative:
I paid off my debt which was originally via XXXX XXXX XXXX The debt was paid in full on XX/XX/year> The account was sent to collections. I have tried to contact the collection agency Firstsource Advantage based in XXXX XXXX. No one answers the phone. 

The debt was not reported to any of the Credit bureaus : XXXX, XXXX, or XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Commercial Services, Inc
State: CA

Complaint narrative:
I have requested proof of the damages owed from the insurance company through communicating with the company National Commercial Services. NCS has failed to provide proof of the debt that was owed from the repairs to the house that was damaged. I also have proof of the costs of the repairs from XXXX XXXX, which was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: MS

Complaint narrative:
I have submitted a report to the FTC regarding the unauthorized credit inquiries, which are a clear violation of my consumer rights. 
I have disputed these inquiries with TransUnion, providing evidence and documentation to support my claim that I did not authorize these inquiries and that they are inaccurately listed on my credit report. 
Despite these actions and the clear provisions of the FCRA, TransUnion has failed to remove the unauthorized credit inquiries from my credit report, stating that they are accurate. This response is not in compliance with the FCRA, and it undermines the protection of my consumer rights. 

I am writing to request that TransUnion takes immediate and corrective action to address this issue in compliancewiththeFCRA. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of 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 2025-02-19 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: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
My information was exposed in XXXX data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
My information was exposed in XXXX data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: MN

Complaint narrative:
Transunion has 10 unauthorized credit inquiries : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. And 2 credit cards : XXXXXXXX XXXX XXXX XXXX XXXX  that were obtained without my consent and not authorized and have been reported as fraud. 

EXPERIAN has 12 unauthorized credit inquiries : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. And 6 credit cards : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that were obtained without my consent and not authorized and have been reported as fraud. ALSO UTILITY BILL VIA XXXX XXXX  THAT IS UNAUTHORIZED equifax has 21 unauthorized credit inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And 1 credit card : XXXX XXXX that were obtained without my consent and not authorized and have been reported as fraud. ALSO UTILITY BILL VIA XXXX XXXX  THAT IS UNAUTHORIZED

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 2025-02-19 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: VI

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: VI

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I do not understand why the banks say I have a available balance then when I take money out they said i am in the negative because of their posting dates. My bank shows negative daily balances even though they told me the money was available. I am trying to buy a house and my bank statements show negative days even though the bank said I had an available balance. This is very misleading. I ask the bank to reconcile my daily balances because they are not a true picture of what occurred

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 monetary relief
Consumer complaint received 2025-02-19 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: Aargon Agency, Inc.
State: IL

Complaint narrative:
Debt Dispute Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX ( XXXX ) XXXX XXXX XX/XX/year> AARGON AGENCY XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Account Number : XXXX Original Creditor : spire Energy Alleged Amount Owed : {$250.00} To Whom It May Concern : I am writing regarding the above-referenced account that you claim I owe. I dispute this debt in its entirety and request validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC XXXXg. 
Additionally, in accordance with 15 USC XXXXc ( c ), I am formally requesting that you cease all communication with me except for the purposes explicitly permitted by the statute. As you are aware, 15 USC XXXXc ( c ) states that after receiving written notification from a consumer to cease further communication, a debt collector may only contact the consumer : XXXX. To advise that collection efforts are being terminated ; XXXX. To notify the consumer that the debt collector may invoke specified remedies which are ordinarily invoked by such debt collector ; or XXXX. To notify the consumer that the debt collector intends to invoke a specified remedy. 
Furthermore, I am requesting complete verification of this debt including : XXXX. Proof that you are licensed to collect debts in my state XXXX. Proof of your ownership of this debt and right to collect XXXX. Complete account and transaction history showing how the amount was calculated XXXX. The original signed agreement between myself and the original creditor XXXX. Documentation showing the chain of ownership if this debt has been sold XXXX. Verification that this debt is within the statute of limitations for collection in my state Until you provide this information, I request that you : Mark this debt as disputed with all credit reporting agencies Refrain from reporting this debt to any credit reporting agencies Cease all collection activities as mandated by the FDCPA If you can not provide complete verification as requested, I demand that you : XXXX. Remove all references to this debt from my credit reports XXXX. Cease all collection attempts permanently XXXX. Provide written confirmation that this matter has been closed I am aware of my rights under the FDCPA and will not hesitate to file a complaint with the Consumer Financial Protection Bureau and your state licensing board if you fail to comply with this request. 
This letter is not an acknowledgment that I owe this debt and does not restart the statute of limitations. 
I expect your response within XXXX days as required by law. 
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 2025-02-19 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: I.C. System, Inc.
State: GA

Complaint narrative:
I C Systems is reporting inaccurate information on my credit report. Please remove.

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 2025-02-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nationwide Credit Corporation
State: MD

Complaint narrative:
In the XXXX XXXX XXXX, my identity was stolen and used to open multiple phone accounts with XXXX. My wife immediately contacted our local police department and froze our credit across all three bureaus to prevent further fraud from occurring. 

In XXXX, I received a bill from XXXX XXXX XXXX XXXX that stated I owe l {$520.00} for emergency services rendered at XXXX  XXXX XXXX. The account number was XXXX and the bill ID was XXXX. On XX/XX/XXXX, I informed XXXX XXXX XXXX that I never visited the hospital, never received the services named, was a victim of identity theft and provided them with a local police report which was requested by the representative I spoke with. A response was never received. 

Later in the fall, I received a bill directly from XXXX  XXXX XXXX for {$1300.00} for the same fraudulently acquired emergency services. I contacted the hospital directly and they also asked that I provide my police report. I provided it via email on XX/XX/XXXX and disputed the charge but never received a reply from the hospital despite the representative saying shed escalate it to her manager. 

Ive now received a notice from a collections agency called NCC. They are attempting to collect the {$1300.00}. Today, XX/XX/XXXX, Ive informed them via email that Im a victim of identity theft and have never visited the XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: MD

Complaint narrative:
please update/validate these item that i request to from the past months and still reporting on wrong on my report, i already comply all the needed detail

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

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

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This is not my account. 

CAPITAL ONE XXXX This is a case of identity theft. I need this removed from my credit reports immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Midland credit management XXXX the amount is {$220.00} XXXX XXXX XXXX XXXX Obligations with respect to disclosures of personal information with XXXX XXXX XXXX XXXX may-not disclose nonpublic personal information to a nonaffiliated third party unless.. 
Basically the financial institutions is supposed to give the consumer the option to opt out of being reported to XXXX, XXXX, and XXXX but they don't. They take your info and give it someone is which is a direct case of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-02-19 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:
This company XXXX XXXX  who I received the loan from refused to do service after receiving the money and adding on additional money after completing the loan amount

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 2025-02-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
The debt was contained fraudulently and not by myself. I was never notified of owing the collection company, or the amount. I contacted the company to retrieve debt validation but they failed to provide me with the information. There is no proof that I indeed am bound to pay off this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: NV

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone : ( XXXX ) XXXX Subject : Debt Validation Request and Cease & Desist Notice Dear XXXX XXXX, I am formally requesting validation of the alleged debt associated with Account # ending in XXXX pursuant to the Fair Debt Collection Practices Act ( FDCPA ). Statements alone are not sufficient evidence of a debt. As established in XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, a mere statement does not satisfy the burden of proof. 

Since you are the original creditor, I request that you provide the following documentation : A copy of the original contract or agreement that establishes my obligation to this debt. 
A detailed accounting of the debt, including all charges, interest, and payments made. 
Proof that the debt is valid and remains collectible under applicable laws. 
Additionally, I am invoking my rights under the FDCPA and formally demanding that you cease and desist from all communication with me regarding this matter. This includes, but is not limited to, phone calls, emails, letters, or any other form of communication. 

Furthermore, this cease and desist request extends to any communication through consumer reporting agencies. As such, you must remove any entries related to this debt from all consumer reporting agencies immediately. 

If you fail to comply with this request, I will have no choice but to pursue legal action against you to enforce my rights under federal law. 

Please confirm in writing that you have received this request and that you will comply. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief