vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Management Holdings, LLC
State: NH

Complaint narrative:
I sent a letter disputing the debt and asking for all documents for a creditor/devt collection declaration including but not limited to : Agreement with their client that grants them the authority collect on the debt Agreement that bears the signature of the alleged debtor wherein he/she agrees to pay the creditor Any insurance claims made by any creditor regarding this account Name and address of the alleged creditor Alleged account number Address on file for the alleged debtor Amount of alleged debt Complete accounting of alleged debt A certified letter was sent to the creditor advising they had 30 days to send me all information requested. They failed to do so! The letter was sent XX/XX/year> and signed for on XX/XX/year>. I am unable to make out the name of the person who signed the certified letter as they didn't write the name but rather signed the field as well I found out about this alleged debt by receiving a notification that the alleged debt was put on my credit report as a collection. I didn't receive a single phone call or letter regarding the alleged debtor Amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom It May Concern XXXX XXXX XXXX XXXX XXXX XXXX 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 PLEASE UPDATE MY PHONE NUMBER TO MY FRAUD ALERT : XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address, these address do not belong to me ADDRESS : XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 

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 explanation
Consumer complaint received 2024-12-29 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: IL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Formal Complaint Against Equifax for Violations of FCRA and FDCPA Dear Sir/Madam, I am writing to formally file a complaint against Equifax regarding their unlawful practices concerning my personal financial information. I believe that Equifax has engaged in activities that violate the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Graham-Leach-Bliley Act. 

I have sent Equifax a notice requesting that they stop making reports on my personal finances. Despite this notice, they have failed to comply. The FCRA and the Graham-Leach-Bliley Act clearly state that consumers have the right to privacy, and I feel that my rights and liberties have been infringed upon by Equifaxs actions. My personal life and financial information should not be used for profit by a non-government agency, especially when I receive no benefit from such practices. 

I am particularly concerned about the following issues : 1. **Aggravated Identity Theft** : Equifax has purchased my private information from other corporations and subsequently sold this nonpublic information to other entities without my consent. I was not given any opportunity or notice to opt out of credit reporting, which constitutes a violation of my privacy rights. 

2. **Extortion and Coercion** : Equifax appears to be actively engaged in coercive practices by advertising nonpayment of debt as a means to influence payment. They have also made reports that are designed to disgrace and embarrass me as a consumer, which is a clear violation of the FDCPA and FCRA.

3. **False Reporting** : The reporting of false and inaccurate nonpublic information by Equifax has caused me severe distress, injuries, and damages. This practice seems to be a means for them to profit from the misuse of my stolen identifying information. 

I urge your offices to investigate Equifax for these violations and take appropriate action to protect consumers like myself from such unethical and unlawful practices. 

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

Sincerely THE IS NO DEBT OWED ON THIS ACCOUNT THIS ACCOUNT SHOULD STILL REPORT AS A COLLECTION OR CHARGE OFF.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
My account with Navy Federal was involved in data breach and someone applied for car loans but I caught it right in time and changed my accounts and password and so fined affidavit. I requested for the inquiry to be removed and havent received any response about investigation or inquiry removal was told to wait only

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: CA

Complaint narrative:
Im writing today to voice a concern about an issue which the credit bureau has not complied with. The following accounts are in litigation. Under current codes i have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Bureau has yet to remove the items nor done any level of investigation to support their position. I need this accounts removed due to the rules of estoppel. 
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 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am writing to formally dispute an inaccurate entry on my credit report, which I pulled on XX/XX/2024. Specifically, XXXX XXXX XXXX XXXX account is incorrectly reported as closed, with inaccurate multiple payment history dates. Despite this, you have continued to verify and report the information as accurate, without providing any supporting documentation to substantiate its accuracy. 

This failure to correct the error is a violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681i, which requires credit bureaus to investigate and verify disputed information within 30 days. As such, I request that you promptly investigate this matter and remove or correct the inaccurate information from my credit report. 

If the inaccurate information is not corrected within the required 30-day timeframe, I will be forced to pursue legal action under 15 USC 1692g .

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 2024-12-29 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: CA

Complaint narrative:
I am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile. 

Specifically, I request the removal of the incorrect address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also request that my credit profile be updated with the accurate information : 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 XXXXXX/XX/year> To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth. 
A recent utility bill confirming my current address. 
A copy of my Social Security card verifying my SSN. 

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report. 
Update my credit profile with the correct details listed above. 
Provide written confirmation of the corrections and supply an updated credit 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 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Paramount Recovery Systems, L.P.
State: OH

Complaint narrative:
I am writing to formally request the removal of fraudulent information from my credit report under 15 U.S.C. 1681c-2, commonly known as Section 605B of the Fair Credit Reporting Act ( FCRA ). As a victim of identity theft, I am exercising my right to have fraudulent information blocked from my credit report within four ( 4 ) business days, as required by this provision of the FCRA.

The following entries on my credit report are fraudulent and must be removed : Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Reason for Dispute : Identity theft, account not authorized. 



Account Name : XXXX XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Reason for Dispute : Identity theft, account not authorized. 



Account name : XXXX XXXX XXXXXXXX XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX Reason for Dispute : Identity theft, account not authorized. 



Account name : XXXX XXXXXXXX XXXX XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX Reason for Dispute : Identity theft, account not authorized. 



Account name : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Reason for Dispute : Identity theft, account not authorized. 



XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Reason for Dispute : Identity theft, account not authorized. 



XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Reason for Dispute : Identity theft, account not authorized. 



XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Reason for Dispute : Identity theft, account not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Klarna AB
State: OH

Complaint narrative:
I am writing to formally request the removal of fraudulent information from my credit report under 15 U.S.C. 1681c-2, commonly known as Section 605B of the Fair Credit Reporting Act ( FCRA ). As a victim of identity theft, I am exercising my right to have fraudulent information blocked from my credit report within four ( 4 ) business days, as required by this provision of the FCRA. 



The following entries on my credit report are fraudulent and must be removed : Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Reason for Dispute : Identity theft, account not authorized. 



Account Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Reason for Dispute : Identity theft, account not authorized. 



Account name : XXXX XXXXXXXX XXXX XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX Reason for Dispute : Identity theft, account not authorized. 



Account name : XXXX XXXX XXXXXXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Reason for Dispute : Identity theft, account not authorized. 



Account name XXXX XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Reason for Dispute : Identity theft, account not authorized. 



XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Reason for Dispute : Identity theft, account not authorized. 



XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Reason for Dispute : Identity theft, account not authorized. 



XXXX XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX Reason for Dispute : Identity theft, account not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: ID

Complaint narrative:
XXXX XXXXXXXX # XXXX XXXX XXXX XXXX On XX/XX/XXXX I asked you to investigate the inaccuracies on this account. You did not fix the inaccuracies in that investigation. So, on XX/XX/XXXX I asked you to re-investigate this account and fix the inaccuracies. After your re-investigation, you still failed to fix the inaccuracies on this account. I asked again to fix the inaccuracies on XX/XX/XXXX, and pointed out the precise inaccuracies, and you still failed to fix the inaccuracies. So, now after asking you to fix the inaccurate and fraudulent data on my credit report 3 times, it is still showing up inaccurately. You are showing that this account was 120 days late in both XXXX and XX/XX/XXXX and that is what I pointed out before ... and this is inaccurate. Also, it is different date for those months than what XXXX is showing for this account. According the Fair Credit Reporting Act, all credit bureaus must report the same information or it is deemed innacurate, which is predatory and illegal. I have attached documentation of Experians reporting. Due to the fact you still haven't fixed this after asking you 3 times, I am demanding a deletion of this account. Failure to comply with this demand within the specified timeframe will leave me no choice but to pursue legal remedies, which may include filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as seeking damages through litigation. I look forward to your prompt response and resolution of this matter. Please confirm receipt of this letter and provide a written response outlining the steps you are taking to address this issue.

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 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: FL

Complaint narrative:
DISCOVER BANK Fraud Operations XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXXXXXX, DE XXXX XX/XX/XXXX To Whom it may concern, This letter is a formal complaint that you are reporting inaccurate, fraudulent and incomplete credit information. 

I am distressed that you have included fraudulent information in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information you provide to credit bureaus. Credit reporting laws ensure that companies only report 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate. The following information therefore needs to be re-investigated and removed as the charges associated with the listed accounts are fraudulent. 

DISCOVER BANK is in clear violation of FCRA and FDCPA laws, which states that all collection activities must halt for any accounts that are in dispute. However, I am still being harassed by phone calls, letters, report, Your willful violation and willful negligence has cost me actual damages of over {$500000.00}. I will be taking legal actions for my financial and emotional distress as well as for actual damages caused by DISCOVER BANK. I have listed the following accounts which were fraudulently used to incur charges and several of them, if not all, that my bookkeeper unknowingly made payments from my bank account for which I want reimbursed. ( See below ). 

DISCOVER BANK date opened ( XX/XX/XXXX ) XXXX # XXXX balance {$8800.00} I am urging you to remove, delete, clear all of these accounts from my credit report effective immediately. 



Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: LA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I submitted a dispute and have not heard back from them and am requesting the inaccuracies be removed from my account

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 2024-12-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Servicer under contract with Federal Student Aid
State: CA

Complaint narrative:
I signed a Master Promissory Note. The application was submitted and the credits have not and were not and still are not being applied to the principal 's account. All debt is the responsibility of the government and the U.S. Treasury issued my credits for the necessity I requested them for. All promissory notes and bills of exchange fall under acts allows by Congress. As a consumer first, then secondly a beneficiary, I have been failed and my character on my consumer report has been defamed since the beginning of the note I signed in 2009. 

The application was submitted and consumer was also forced to sign the application electronically with no rights reserved because the threat of not fulffiling the offer was on the table. The ability of fulfillment of every credit / consumer obligation is already written into law. The entity failed me, the consumer. For having left unlawful slander on consumer/ credit report. Disgrace to commerce. Unacceptable in law. The consumer is the original creditor, tricked and cohersed. The subsidiaries of the parent corporation continue to profit from the lack of attention to the account. The transfers of personal information is a violation of privacy.

Company response to consumer: Untimely response
Consumer complaint received 2024-12-29 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: LEXISNEXIS
State: TX

Complaint narrative:
I have no knowledge of the account reporting on my credit report

Company response to consumer: Closed with non-monetary relief