vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Subject : Dispute of Accounts Request for Investigation and Removal Dear TransUnion, I am writing to formally dispute the inaccurate reporting of the following accounts on my credit report. These accounts are either unverifiable, inaccurate, or have not been validated as required by federal law : Accounts in Dispute XXXX XXXX Account # : XXXX ) XXXX XXXX ( Account # : XXXX ) XXXX XXXX ( Account # : XXXX ) XXXX  ( Account # : XXXX ) XXXX XXXX XXXX ( Account # : XXXX ) Under 15 U.S. Code 1635, I have the right to dispute credit obligations that are inaccurately reported. Furthermore, 15 U.S. Code 1692g mandates that debts must be validated upon dispute. Since these debts have not been properly validated, they must be removed from my credit report. 

I request a thorough investigation into these accounts and their immediate removal if verification can not be provided. 

Supporting Documents I have included the following documents to assist with your investigation : A copy of my identification Proof of current address Under the Fair Credit Reporting Act ( FCRA ), please complete this investigation within 30 days and provide a written response. 

Thank you for your time and attention to this matter. 

Sincerely, 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 2024-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Subject : Dispute of Accounts Request for Investigation and Removal Dear Experian, I am writing to dispute the following accounts listed on my credit report, which are inaccurate or unverifiable : Accounts in Dispute XXXX  ( Account # : XXXX ) XXXX XXXX ( Account # : XXXX ) XXXX XXXX ( Account # : XXXX ) TBOM/ASPIRE ( Account # : XXXX ) XXXX XXXX  XXXX ( Account # : XXXX ) According to 15 U.S. Code 1635, I have the right to dispute credit obligations when inaccuracies exist. Moreover, under 15 U.S. Code 1692g, debts must be validated upon dispute. These accounts remain unsubstantiated, and I request their immediate removal from my credit report. 

Please conduct a detailed investigation into these accounts and remove them if they can not be verified. 

Supporting Documents I have attached the following documents for your reference : A copy of my identification Proof of current address As mandated by the Fair Credit Reporting Act ( FCRA ), I expect a response to this dispute within 30 days. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2024-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Under the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX I looked at my Equifax credit report on XX/XX/2024, and noticed some incomplete and inaccurate things. 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 who the report relates according to 15 USC 1681 ( e ) ( b ). And according to15 USC 1681 1i5 they are supposed to do this ( 5 ) Treatment of inaccurate of 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 ) promptl
y 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 the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2, they are supposed not to 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 explanation
Consumer complaint received 2024-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
XXXX XXXX XXXX  in XXXX XXXX XXXX XXXX took {$800.00} from my debit card after I left the rental car company. They claim I made a scratch under the car! I did not! They are known for doing this. If you look at XXXX reviews under XXXX XXXX in XXXX they have done this a bunch of times. They steal money out of peoples accounts and illegally come up with bogus charges. They must be stopped! I purchased additional insurance. And the day I made a claim with Bank of America they sent me an email wanting my XXXX insurance information. They already stole {$800.00} from my account. I purchased additional insurance from them at {$30.00} a day so this would not happen. Bank of America is not helping either. Please help me. This is not fair and is a crime. Thank you

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 2024-11-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Chrebet Associates  LLC
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX NJ XXXX XX/XX/year> CHREBET ASSOCIATES LLC RE XXXX  XXXX Dear Sir/Madam : I am writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. 

I am disputing this debt because I do not owe it. 

Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. 

Finally, please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C. 1692 ( c ). Thank you for your attention to this matter. 



Sincerely, XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX NJ 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 2024-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I froze my credit reports with the XXXX main credit bureaus while traveling this past summer, due to the large security social number security breach reported in the news. 

I had absolutely no problems freezing and accessing my accounts with XXXX and XXXX. When I went to freeze my Experian report, they allowed me to freeze it, but I now have no way of logging into their website, seemingly due to a backend system problem. 
Experian does not offer any obvious way of getting help online or by calling in to speak to someone about account access issues. While applying for a home equity loan recently, I realized I had no way of unfreezing my account in a reasonable amount of time due to this website issue, and I had to cancel my loan application. 

I was ultimately able to successfully unfreeze my account by mailing my personal identification documents to their address in XXXX, XXXX, to obtain a pin number, which I then used to call a XXXX number. This process took almost XXXX weeks for me to go through, however. 

The issue that I'm upset about is the fact that I am legitimately trying access my personal information through their website, but their systems are broken, and there is no obvious way to get the problem corrected. I have sent XXXX emails to an email address I found by asking XXXX  for ways to contact them ( XXXX ), but I have never received a reply from them. Their phone support menu has no way to speak to a human representative about account issues, or any way to help resolve online account management issues. 

I realize that they have slow, rigid processes set up to prevent fraud, but when someone is legitimately trying to access their own data, and they can't, that seems wrong, especially when I have no choice in the matter of them being gatekeepers of my financial information.

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 2024-11-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> CREDIT COLLECTION SERV XXXX : XXXX Dear Sir/Madam : I am writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. 

I am disputing this debt because I do not owe it. 

Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. 

Finally, please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C. 1692 ( c ). Thank you for your attention to this matter. 



Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting a formal dispute regarding inaccurate information on my credit report, which I believe is the result of identity theft. Specifically, there are collections and closed accounts with reported balances and late payments that I do not owe, and these accounts do not belong to me. 
I have provided a copy of the Federal Trade Commission ( FTC ) Identity Theft Report, which confirms that I am a victim of identity theft. I have taken appropriate steps to resolve the issue, including filing a police report and placing fraud alerts with the major credit bureaus. Despite these actions, certain accounts continue to reflect balances and late payments that I did not incur, and collection agencies continue to report debts I do not owe. 
I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that all information on my credit report be accurate and verified. Under this law, I have the right to dispute any information that is incomplete or inaccurate. In addition, I am entitled to request that any information related to identity theft be removed from my credit report if it can not be properly validated. 
The accounts in question are : Toyota MTR - XX/XX/2015 - {$1400.00} I request that the CFPB assist in ensuring that these incorrect collections, balances, and late payments are investigated and removed from my credit report. If the accounts can not be properly verified as mine, I am requesting that they be deleted from my credit history, in compliance with the FCRA. 
I have already reached out to the credit reporting agencies and the collection agencies involved, but this issue remains unresolved. I am requesting your assistance in investigating these claims and ensuring that my rights under the FCRA are upheld. 
Thank you for your attention to this matter. I look forward to your prompt assistance in correcting these inaccuracies. 
Please remove the accounts listed above as they were not authorized by me. All accounts above were opened fraudulently and were not authorized by me. Please remove all of these negative accounts on my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
National Credit Systems has made allegations about this debt for {$6800.00}. My husband and I have communicated with them via U.S. certified mail ( XX/XX/year> and XX/XX/XXXX, XXXXWe are requesting for the company to update our credit reports by deleting this unsubstantiated debt from all three credit bureaus ( XXXX, XXXX, and XXXX ). ) requesting additional information and have not received the information requested. Their response included pictures of a unit that was not ours. Their response also included a lease that was fabricated, as indicated by the name on the lease. We have waited over a year to give ample time to allow them to do their due diligence, yet still have not received the documentation we requested. I have attached all correspondence and tracking information for the certified letter. We have an unsubstantiated debt being reported to the credit bureaus and this is concerning to me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 2024-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The inquiry was not authorized by me, and I did not communicate with this lender on the specified date.

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 2024-11-29 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: MO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 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: MO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to formally notify you that I have been a victim of identity theft, which has resulted in several fraudulent accounts and inquiries being added to my credit report without my knowledge or consent. I am requesting immediate action to address this issue.

An official identity theft report has already been filed with the Federal Trade Commission ( FTC ), and I am now requesting the removal of these fraudulent accounts and inquiries to ensure the accuracy of my credit report. 

Fraudulent Accounts : [ XXXX XXXX XXXX - Account number # XXXX ] [ XXXX XXXX XXXX - Account number # XXXX ] [ XXXX XXXX XXXX - Account number # XXXX ] [ XXXX XXXX XXXX - Account number # XXXX ] Fraudulent Inquiries : [ XXXX - XX/XX/year> ] [ XXXX - XX/XX/year> ] [ XXXX - XX/XX/year> ] XXXX XXXX - XX/XX/year> ] XXXX XXXX - XX/XX/year> ] [ XXXX - XX/XX/year> ] [ XXXX XXXX - XX/XX/year> ] [ XXXX - XX/XX/year> ] [ XXXX - XX/XX/year> ] XXXX XXXX - XX/XX/year> ] [ XXXX - XX/XX/year> ] [ XXXX - XX/XX/year> ] XXXX XXXX XXXX - XX/XX/year> ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I was informed of Wells Fargo law suit as I have been a Wells Fargo Customer since @ 1993 and did have some issues with added sur charges

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 2024-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am writing to formally dispute the accuracy of the information reported for this account on my credit report. The balance and the charge-off status are both incorrect. This account was fully resolved, and the information being reported is erroneous. I respectfully request a thorough investigation into this matter and the immediate removal of this inaccurate information from my credit file.

Company response to consumer: Closed with explanation