vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
FCO has an account in my name that is affecting my credit report negatively, I believe this was a result of identity theft, however they refuse to remove it from my consumer report. I even went as far to settle with them but they backed out on the settlement because I refused to pay the full amount because they knew I was in the process of buying a home so they tried to use that as leverage. I declined as asked them to verify the debt and validate it, to which they did not after numerous request only after I filed a complaint in CFPB they claim to have instructed me to send them proof of residency during certain time periods. I never received any instructions or what documents to send to prove residency so they can remove this as a result of identity theft. I would have sent them that instantly because I was out of the country during that time period and have credit card statements to prove it with a XXXX XXXX  mailing address to which I have attached here. FCO needs to remove this account immediately from my consumer report within 72 hours. I have been patient enough. I am also considering taking legal action as they have violated FCRA regulations as well causing financial stress because of this inaccurate derogatory information on my consumer report. I ask that you resend your instructions here in this platform to ensure I receive them because I have not received any communication from your company unless it was to pay you a certain amount. It is only after I reported them on this website they claim to not accept any settlement for identity theft to cover their tracks well please attached credit card statements to prove my residency. You can not try to defraud a military member because we keep all documentation.

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 2024-01-05 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: VA

Complaint narrative:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 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: VA

Complaint narrative:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 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 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
police report filed in XXXX California FTC report filed for identify theft there are inquires on my report there are corporations who sold my information without my permission to third parties Credit Fair act-privacy was breached USC 15 6802

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 2024-01-05 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: AR

Complaint narrative:
I hope this letter reaches you under favorable circumstances. I am writing to express my ongoing frustration and dissatisfaction with the unresolved issue of fraudulent items persisting on my credit file, despite my previous attempts to rectify the situation. 

As detailed in my earlier communication, I brought to your attention the presence of fraudulent entries on my credit file. Regrettably, the issue has not been adequately addressed, and the fraudulent items continue to negatively impact my creditworthiness and financial standing. 

To recap the previous attempts made to resolve this matter : Initiated contact with your fraud department to report and request the removal of fraudulent items from my credit file. 

Submitted a formal written complaint, providing comprehensive documentation and evidence to support the fraudulent nature of the items in question. 

Engaged in follow-up communication with your fraud department, cooperating fully in the investigation process and providing any additional information requested. 
Escalated the matter to a supervisor or manager within your organization, seeking urgent intervention and resolution. 

Despite these concerted efforts, the fraudulent items persist, causing undue stress and financial hardship. This situation not only affects my confidence in the security of my personal information but also raises concerns about the effectiveness of your fraud prevention and resolution procedures. 

I implore you to conduct a thorough investigation into this matter and take immediate action to remove the fraudulent items from my credit file. Additionally, I request clear communication regarding the steps your institution is taking to prevent similar incidents in the future. 

If this matter is not resolved satisfactorily withinthe specified timeframe from the date of this letter, I may have no choice but to explore alternative avenues, including reporting the issue to relevant regulatory authorities and seeking legal counsel. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX  XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$2200.00} XXXX XXXX Balance : {$400.00} XXXX XXXX XXXX Balance : {$890.00} XXXX XX/XX/2022 XXXX XXXX  XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$2200.00} XXXX XXXX Balance : {$400.00} XXXX XXXX XXXX Balance : {$890.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX  XXXX XXXX XXXX, AR XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX Balance : {$2200.00} XXXXXXXX  XXXX XXXX : {$400.00} XXXX XXXX   XXXX Balance : {$890.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 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: AZ

Complaint narrative:
It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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
Consumer complaint received 2024-01-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
I purchased the vehicle in XXXX XXXX XXXX i paid XXXX $ down payment my Credit was ran through 7 different companies i sent a certified letter to both parties of a letter to Rescind Contract there's been an attempt to Reposess my vehicle there are in Clear violation of the law and its statutes.

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 2024-01-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: AZ

Complaint narrative:
On XX/XX/2023 after pulling my credit report I found negative reporting on my consumer credit file from a company named Credit Collection Services. 
The negative and inaccurate reporting of this account is harming me. 
Credit Collection services did not validate this debt before reporting it on my consumer report. 
Credit Collection servic did not have my permission to furnish this information to my consumer report. 
Credit Collection Servic did not notify me before reporting information to my consumer report Credit Collection Servic does not have a contractual agreement with my wet ink signature on any documents with their logo or Company Letterhead Credit Collection Servic does not have a power of attorney or delegation of authority

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: MO

Complaint narrative:
I hope this letter reaches you in good health. I am writing to express my ongoing frustration and disappointment with the persistent challenges I have faced in attempting to remove fraudulent items from my account. Despite multiple attempts, these items remain unresolved, causing significant distress and concern. 

I have diligently pursued the correction of these entries through multiple attempts, as outlined below : Initiated contact with your customer service department to report and request the removal of fraudulent items from my account. 

Submitted a formal written complaint, providing comprehensive documentation and evidence supporting the fraudulent nature of the items in question. 

Engaged in follow-up communication with your fraud department, providing any additional information requested and cooperating fully in the investigation process. 

Escalated the matter to a supervisor or manager within your organization, seeking urgent intervention and resolution. 

Despite these concerted efforts, the fraudulent items persist, causing distress and financial insecurity. This situation not only jeopardizes my trust in your company but also raises concerns about the effectiveness of your fraud prevention and resolution procedures. 

I implore you to conduct a thorough and expedited investigation into this matter and take immediate action to remove the fraudulent items from my account. Additionally, I request clear communication regarding the steps your company is taking to prevent similar incidents in the future. 

If this matter is not resolved satisfactorily within the exact timeframe from the date of this letter, I may be compelled to explore alternative avenues, including reporting the issue to relevant regulatory authorities and seeking legal counsel. I am asking for your assistance to remove these fraudulent items in my credit file : 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 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 2024-01-05 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: AZ

Complaint narrative:
I am once again addressing this urgent matter that necessitates immediate correction. Despite the federal law mandating a timely response within the constitutionally prescribed timeframe from the three credit bureaus, it is disheartening to note their regrettable neglect in addressing my previous correspondence. Consequently, I appeal to your office to expedite action on this matter at your earliest convenience. The listed account above demands your attention for correction, and I trust that your expeditious response will rectify this issue in accordance with established regulations. Please review the listed accounts below that require correction : XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00}

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 explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
police report filed in XXXX XXXX  FTC report filed for identify theft there are inquires on my report there are corporations who sold my information without my permission to third parties Credit Fair act-privacy was breached USC 15 6802

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
police report filed in XXXX XXXX  FTC report filed for identify theft there are inquires on my report there are corporations who sold my information without my permission to third parties Credit Fair act-privacy was breached USC 15 6802

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 2024-01-05 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
This complaint serves as a follow up notification regarding my unfortunate encounter with identity theft in the previous complaint dated XX/XX/XXXX. In compliance with Section 605b of the Fair Credit Reporting Act ( FCRA ), I have formally reported the incident to the Federal Trade Commission ( FTC ) through their website at https : //www.ftc.gov. As outlined in FCRA guidelines, Credit Reporting Agencies bear the responsibility to investigate all inquiries specified in an identity theft report : XXXX===EXPERIAN 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 Attached herewith are documents intended to facilitate the investigation of inaccuracies currently reflected on my credit report. The listed inquiries are not associated with my identity. Pursuant to FCRA Section 605B ( a ), Credit Reporting Agencies are compelled to initiate an investigation into any information identified by the consumer as resulting from alleged identity theft, no later than four business days from the date of receipt.

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 2024-01-05 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: MO

Complaint narrative:
I trust this letter finds you well. I am writing to express my continued frustration and dissatisfaction regarding the unresolved issues related to both a persistently late open account and an inaccurate late closed entry on my credit file. Despite numerous attempts on my part, these issues persist, causing significant distress and harm to my credit standing. 

I have diligently pursued the correction of these entries through multiple attempts, as outlined below Initiated contact with your customer service department to address the late open account issue. 
Follow-up communication after the initial inquiry did not yield a satisfactory resolution. 
Submitted written documentation and evidence to demonstrate the discrepancy in the open account. 


Reported the inaccurately labeled late closed entry on my credit file to your institution. 
Submitted a formal written complaint, including comprehensive documentation and evidence supporting the inaccurate nature of the late closed entry. 
Engaged in follow-up communication, providing any additional information requested and cooperating fully in the investigation process. 
Despite these concerted efforts, both issues remain unresolved, adversely affecting my creditworthiness and financial standing. This situation is not only causing significant inconvenience but also eroding my confidence in the accuracy and reliability of the information on my credit file. 

I implore you to conduct a thorough and expedited investigation into both matters and take immediate action to correct the late open account and remove the inaccurately labeled late closed entry from my credit file. Additionally, I request transparent communication regarding the steps your institution is taking to prevent similar incidents in the future. 

If these matters are not addressed satisfactorily within the specified timeframe from the date of this letter, I may be compelled to explore alternative avenues, including reporting the issues to relevant regulatory authorities and seeking legal counsel. I am asking for your assistance to correct these late open account and remove the late closed accounts in my credit file : XXXX XXXX XXXX XXXX Balance Owed : {$320.00} - Please check the Payment History and Status information on this account and adjust accordingly. 
XXXX XXXX Balance Owed : {$0.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} - Please check the Payment History and Status information on this account and adjust accordingly.

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 2024-01-05 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:
I am a victim of fraud as someone opened a account under my name and business

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 2024-01-05 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: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
I am a victim of fraud as someone opened a account under my name and business

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: AZ

Complaint narrative:
I am once again addressing this urgent matter that necessitates immediate correction. Despite the federal law mandating a timely response within the constitutionally prescribed timeframe from the three credit bureaus, it is disheartening to note their regrettable neglect in addressing my previous correspondence. Consequently, I appeal to your office to expedite action on this matter at your earliest convenience. The listed account above demands your attention for correction, and I trust that your expeditious response will rectify this issue in accordance with established regulations. Please review the listed accounts below that require correction : XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: FL

Complaint narrative:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX 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 non-monetary relief