vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-22 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: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
I submitted a complaint on XX/XX/year> about an unauthorized credit pull. Complaint # XXXX. XXXX XXXX replied with a letter that it would remove the credit pull from my credit history. The credit pull still remains to this day. XXXX failed to keep its word and remove the credit pull.

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 2024-09-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: OK

Complaint narrative:
Sofi wont let me get my money out of my account thay trying to close it and keep my money I just want my money its my money and I need it now

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  Ct XXXX, VA XXXX Email : XXXX Phone : ( XXXX ) XXXX Consumer Financial Protection Bureau XX/XX/24 XXXX XXXX XXXX Washington XXXX DC XXXX Re : Formal Complaint Against Experian for Violations of the FCRA To Whom It May Concern, I am writing to formally lodge a complaint against Experian Information Solutions , InXXXX regarding their handling of my consumer report. On XX/XX/24, Experian represented over a recorded line that they obtained bankruptcy information from the courts. However, I possess a signed and dated letter from the Clerk of Courts explicitly stating that the court does not report to credit reporting agencies. 
Experian 's actions constitute a violation of the Fair Credit Reporting Act ( FCRA ), specifically Sections 604 and 607, as they failed to obtain my written consent prior to reporting my private information. Furthermore, their representatives misled me during the call by inaccurately asserting the source of this information, rather than rectifying the situation by removing the erroneous entries. 
I have provided Experian with a copy of the courts letter, yet they have failed to delete the inaccurate items from my report. I request that the CFPB investigate this matter and take appropriate action against Experian for their non-compliance with federal law. 
Thank you for your attention to this urgent 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 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On my credit report there is an incorrect phone number and that phone number is 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 2024-09-22 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: FL

Complaint narrative:
On my credit report there is an incorrect phone number and that phone number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: OK

Complaint narrative:
Phoenix Financial started contacting me several months ago about medical debt from XXXX totaling around XXXX. 
In XXXX I had medical insurance. 
I do not remember any medical visits from XXXX years ago and have never recieved any bills. 
I initial talked to Phoenix Financial and I informed them that I had insurance then and do not remember any medical visits during that time frame. 
I asked for any and all documentation and they can not and will not provide me with anything. 
I even called the original creditor and they even advised me not to pay it and they stated that they only show I owe them a {$4.00} copay from last year My credit is very important to me as I have worked very hard to make sure I have a good score and positive reporting to it. 
They call and harass me 1-2x a day and have reported it to my credit. 
Upon further reviewing of this company I am seeing lawsuits and tons of complaints due to the harm they are causing people from their faulty and false reporting. 
I feel victimized and would like any and all information I can obtain to combat this. 
Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 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: MD

Complaint narrative:
RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 


XXXX. XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2023 Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
XX/XX/year> Sofi Bank XXXX placed a temporary restriction on my accounts, due to my errors with transferring the wrong account to fund a brokerage account with them, leading it to return. 

I spoke to them already but I am afraid this will drag on, and I have a pending check that is posting tomorrow XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 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: NJ

Complaint narrative:
In XXXX, XXXX, XXXX, and XXXX, I discovered XXXX, XXXX XXXX, Equifax, XXXX XXXX, etc. breached my trust selling personal, sensitive, and credit information to foreign entities damaging my credit history. 15 US Code 1681 2 2 ( A ) mention companies violate laws reporting information to consumer reporting agencies. I read a person shall not offer any information to any consumer reporting agency if the person knows, or has reasonable cause to believe, the information is inaccurate because that is a violation of privacy. 15 US Code 1681 B 2 ( a ) states, no entity can list information in my consumer report without my written permission. US Code 1028 ( a ) reports information offered without my written permission is identity theft and listing inaccurate and personal information is illegal and must be removed at once due to non-validity. I presume that no proof of the alleged debt exists. Also, on XX/XX/XXXX, XXXX of XXXX XXXX XXXX reported ( XXXX ) accounts originally from with XXXX  XXXX, last reported properly on XX/XX/XXXX, yet, the Credit Reporting Bureaus listed above have not properly reported CURRENT information with a higher credit score. 

It is unfair agencies write off debts decreasing their tax burden when unfairly increasing mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In XXXX, XXXX, XXXX, and XXXX, I discovered Experian, XXXX XXXX, XXXX, XXXX XXXX, etc. breached my trust selling personal, sensitive, and credit information to foreign entities damaging my credit history. XXXX XXXX XXXX XXXX XXXX XXXX ( A ) mention companies violate laws reporting information to consumer reporting agencies. I read a person shall not offer any information to any consumer reporting agency if the person knows, or has reasonable cause to believe, the information is inaccurate because that is a violation of privacy. XXXX XXXX XXXX XXXX B XXXX ( a ) states, no entity can list information in my consumer report without my written permission. XXXX XXXX XXXX ( a ) reports information offered without my written permission is identity theft and listing inaccurate and personal information is illegal and must be removed at once due to non-validity. I presume that no proof of the alleged debt exists. Also, on XX/XX/XXXX, XXXX of Resurgent Special Services reported ( XXXX ) accounts originally from with XXXX  XXXX, last reported properly on XX/XX/XXXX, yet, the Credit Reporting Bureaus listed above have not properly reported CURRENT information with a higher XXXX XXXX. 

It is unfair agencies write off debts decreasing their tax burden when unfairly increasing mine.

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 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: AmeriCollect
State: GA

Complaint narrative:
I am filling this Identity Theft Affliadaviate to report 5 fradulant accounts on my FICO Credit Report. The accounts are as follows 1. ) RENT DEBT with a balance of XXXX XXXX. ) XXXX XXXX with a balance of XXXX XXXX. ) XXXX XXXX with a balance of XXXX XXXX. ) Americollect Inc with a balance of XXXX XXXX. ) Americollect with the balance of XXXX. 

These accounts resulted in fradulant inquires collections under FCRA Law 605b

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 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:
I have sent letters to XXXX telling them I did not recognize the account and asking them to verify the account or delete it off my credit report. I have already filed an FTC report for identity theft. This information is injuring me and is not accurate or verified.

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 2024-09-22 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:
I have sent letters to XXXX telling them I did not recognize the account and asking them to verify the account or delete it off my credit report. I have already filed an FTC report for identity theft. This information is injuring me and is not accurate or verified.

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 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Greetings, I see you fail to Remove the Inquiries from my Consumer Report.According to the FCRA, These Unverified and UNAUTHORIZED INQUIRIES Must be Removed. Don't freeze My Account, I will do it myself.

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 2024-09-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: R.A.Rogers, Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/XXXX XXXX XX/XX/XXXX Re : Request for Debt Validation** Dear to whom it may concern I am writing to formally dispute the validity of the alleged debt referenced above and to invoke my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692 et seq. 

In order to verify the legitimacy of this debt, I demand the following documentation : XXXX. A copy of the XXXX XXXX that demonstrates your legal authority to collect this alleged debt. 
XXXX. Complete evidence of the chain of title for this alleged debt, including any and all purchase agreements and assignments indicating the transfer of ownership from the original creditor to your agency. 

As you are aware, the FDCPA requires that you cease all collection efforts until you have provided me with the requested validation. If you are unable to produce the aforementioned documentation, I will consider the alleged debt invalid and expect that any negative reporting associated with this account be removed from my credit report immediately. 

Here 's the account information and question XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Additionally, please furnish me with a detailed account statement that clearly outlines the original amount of the debt, any fees or interest that have been applied, my payment history, and the name of the original creditor. 

I request that you respond to this inquiry within 30 days from your receipt of this letter. Failure to comply with this request will force me to consider taking further action to protect my rights. 

Thank you for your prompt attention to this matter. I look forward to your swift response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
Dear MIDLAND CREDIT MANAGEMENT XXXX, I am writing to formally dispute the validity of the debt that you allege I owe. Please take this letter as my notice of dispute pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

1. Lack of Contractual Evidence I have no knowledge of any valid or enforceable contract between myself and MIDLAND CREDIT MANAGEMENT XXXX. I request that you provide me with a signed contract or any agreement that establishes a legal obligation binding me to this alleged debt. Without such evidence, I am not liable for the alleged debt. I expect you to provide documentation of a valid, signed contract between myself and MIDLAND CREDIT MANAGEMENT XXXX that evidences my agreement to pay the alleged debt in question.

2. Request for Debt Validation Pursuant to the FDCPA and FCRA, I request that you validate this alleged debt by providing a full, detailed accounting of the account. This validation should include, but is not limited to, the following : The name of the original creditor, The principal balance of the alleged debt, Documentation of any insurance, securities, tax benefits, or other financial transactions related to the account. 
I request this detailed accounting to ensure the accuracy of the amount you claim I owe. Failure to provide accurate documentation could result in a violation of both the FDCPA and FCRA if it is found that MIDLAND CREDIT MANAGEMENT XXXX has made false or inaccurate claims regarding this debt.

3. Failure to Provide Account Number XXXX XXXX does not list the full account number associated with the alleged debt. Without this information, I can not verify the debt. I request that MIDLAND CREDIT MANAGEMENT XXXX provide the full account number for proper identification and validation of the alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Corp Solutions Inc.
State: IN

Complaint narrative:
Dear XXXX XXXX XXXX XXXX, I am writing to formally dispute the validity of the debt that you allege I owe. Please take this letter as my notice of dispute pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

1. Lack of Contractual Evidence I have no knowledge of any valid or enforceable contract between myself and XXXX XXXX XXXX XXXX. I request that you provide me with a signed contract or any agreement that establishes a legal obligation binding me to this alleged debt. Without such evidence, I am not liable for the alleged debt. I expect you to provide documentation of a valid, signed contract between myself and XXXX XXXX XXXX XXXX that evidences my agreement to pay the alleged debt in question. 
2. Request for Debt Validation Pursuant to the FDCPA and FCRA, I request that you validate this alleged debt by providing a full, detailed accounting of the account. This validation should include, but is not limited to, the following : The name of the original creditor, The principal balance of the alleged debt, Documentation of any insurance, securities, tax benefits, or other financial transactions related to the account. 
I request this detailed accounting to ensure the accuracy of the amount you claim I owe. Failure to provide accurate documentation could result in a violation of both the FDCPA and FCRA if it is found that XXXX XXXX XXXX XXXX has made false or inaccurate claims regarding this debt. 
3. Failure to Provide Account XXXX XXXX XXXX does not list the full account number associated with the alleged debt. Without this information, I can not verify the debt. I request that XXXX XXXX XXXX XXXX provide the full account number for proper identification and validation of the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On my credit report there are several incorrect addresses listed on my credit report. These incorrect address are listed below : 1 ) XXXX XXXX  XXXX XXXX XXXX XXXX Florida XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX ) XXXX XXXX XXXX XXXX Florida XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX. XXXX Florida XXXX. 
These addresses are incorrect and I never lived at any of these addreses. 

My correct address is XXXX XXXX XXXX XXXX, XXXX Florida XXXX and I have always lived at this 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 2024-09-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
My federal loans are being forgiven. The private loans were taken out to cover the rest of the price of the school. Same school, same lender. The private loans should be in the same category since XXXX is getting sued for predatory loans, misleading students. Was lied to from Navient. They told me the school was a non profit, so it didn't qualify for forgiveness. They made millions that XXXX. These loans should qualify and need to be forgiven. The lying by Navient is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 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: SC

Complaint narrative:
i did not give permission to these companies to give away my personal information, which is causing harm to my consumer profile. This is acts of fraud and are a violation of my consumer rights according to the FCRA. I have filed and identity theft report with the ftc in which i have attached below with the following accounts XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ATTACHMENT BELOW FOR FTC 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 2024-09-22 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: SC

Complaint narrative:
i did not give permission to these companies to give away my personal information, which is causing harm to my consumer profile. This is acts of fraud and are a violation of my consumer rights according to the FCRA. I have filed and identity theft report with the ftc in which i have attached below with the following accounts XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ATTACHMENT BELOW FOR FTC REPORT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I have sent letters to LVNV telling them I did not recognize the account and asking them to verify the account or delete it off my credit report. I have already filed an FTC report for identity theft. This information is injuring me and is not accurate or verified.

Company response to consumer: Closed with non-monetary relief