vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Frontline Asset Strategies, LLC
State: MA

Complaint narrative:
For years I have been receiving harassing phone calls from Front Line Assets in Delaware regarding an old credit debt ( XXXX XXXX XXXX charge for original debt of {$250.00} ). This card has not been active in almost 15 years! I had reached out to all three credit bureaus and no such debt was found. I also contacted XXXX XXXX XXXX in XXXX MA but they could not find it either. I requested a debt verification letter for years and they still will not send anything in writing to my home. This is effecting my quality of life because they call family members and threaten to garnish my wages and put a lean on my home etc. Its so ridiculous and needs to stop. Please help!

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 2024-10-22 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: ME

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my 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 2024-10-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have submitted a list of fraudulent, identity theft related individual monetary charges that were on my own credit card accounts somehow, fraudulent charges that ARE NOT MINE, and have ALSO been completely DISMISSED in Massachusetts Courts over 16 months ago, and yet these fraudulent charges have not yet been overturned and removed from credit bureau reporting?? XXXX XXXX is still ruining my credit by reporting fraudulent identity theft related debt totals that are INCORRECT, and debts that were dismissed in court long ago?? These fraudulent individual charges need to be overturned, and the credit bureau reporting corrected, or removed entirely. The courts already ruled on this, and removal or correction of the incorrect debt totals, that is what IS REQUIRED to comply with XXXX and XXXX XXXX XXXX consumer protection laws. These accounts had thousands of dollars of fraudulent charges, ( see the long list of fraudulent charges in this package ) AND the debts were already charged off over XXXX years ago, PLUS the accounts and litigation have already been adjudicated and dismissed by the courts long ago. as of early XXXX  While the original accounts were originally mine, due identity theft and fraudulent charges, The debt " TOTALS '' are NOT correct. ALSO, as these accounts were already dismissed in court, and I was found NOT LIABLE for them. This incorrect info needs to be corrected or removed entirely, please.

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 2024-10-22 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have submitted a list of fraudulent, identity theft related individual monetary charges that were on my own credit card accounts somehow, fraudulent charges that ARE NOT MINE, and have ALSO been completely DISMISSED in Massachusetts Courts over XXXX months ago, and yet these fraudulent charges have not yet been overturned and removed from credit bureau reporting?? XXXX XXXX is still ruining my credit by reporting fraudulent identity theft related debt totals that are INCORRECT, and debts that were dismissed in court long ago?? These fraudulent individual charges need to be overturned, and the credit bureau reporting corrected, or removed entirely. The courts already ruled on this, and removal or correction of the incorrect debt totals, that is what IS REQUIRED to comply with XXXX and XXXX XXXX XXXX consumer protection laws. These accounts had thousands of dollars of fraudulent charges, ( see the long list of fraudulent charges in this package ) AND the debts were already charged off over XXXX years ago, PLUS the accounts and litigation have already been adjudicated and dismissed by the courts long ago. as of early XXXX While the original accounts were originally mine, due identity theft and fraudulent charges, The debt " TOTALS '' are NOT correct. ALSO, as these accounts were already dismissed in court, and I was found NOT LIABLE for them. This incorrect info needs to be corrected or removed entirely, please.

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 2024-10-22 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: FL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-10-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc.
State: MI

Complaint narrative:
XXXX other reviews as well as my own explain Aargon Collection Agency illegal and unethical practices when it comes to data reporting and debt collecting as well as there unwillingness to properly validate debts and miscommunications practices to further hurt consumers. Aargon Collection Agency Will say they have following FCRA practices but damaging credit by XXXX points for a account you never validated while refusing to state which address you sent it to follows heavily with the manipulative practices others have reported from 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 2024-10-22 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: MA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-10-22 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: FL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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

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

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

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

Company 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 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

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

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Professional Debt Mediation, Inc.
State: LA

Complaint narrative:
Per 15 USC 1692 CC : This item should not be on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my 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 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I received a notification from both experian and transunion that my mortgage was 30 days delinquent ( XXXX ). My wife and I pay the mortgage, on time, every month and XXXX was no different. I called our mortgage company ( XXXX ) who said they had no record of us not paying and didn't understand why this had been reported but I was to put in writing/email them with the issue and they would look into it. Its been over a month and I've had no response. The delinquent account has been taken off my credit report ( it seems anyway ) but my credit score has not gone back to its original number. It dropped from XXXX to XXXX. Also, my wife 's credit score was completely unaffected which makes this even more baffling.

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 2024-10-22 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: NJ

Complaint narrative:
I received a notification from both experian and transunion that my mortgage was 30 days delinquent ( XXXX ). My wife and I pay the mortgage, on time, every month and XXXX was no different. I called our mortgage company ( XXXX ) who said they had no record of us not paying and didn't understand why this had been reported but I was to put in writing/email them with the issue and they would look into it. Its been over a month and I've had no response. The delinquent account has been taken off my credit report ( it seems anyway ) but my credit score has not gone back to its original number. It dropped from XXXX to XXXX. Also, my wife 's credit score was completely unaffected which makes this even more baffling.

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 2024-10-22 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: UT

Complaint narrative:
In XX/XX/year>, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2. 
# # # Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The following inquiries were made without my authorization : Unauthorized Inquiries : 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 - XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX - XXXX These inquiries were unauthorized and are negatively affecting my credit score. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report. 
# # # Inaccurate Collection Accounts : In addition to unauthorized inquiries, there are several collection accounts on my credit report that are inaccurately reported. Under 15 U.S.C. 1681s-2 ( b ), furnishers of information are required to ensure the accuracy of the information provided. However, these collection accounts have been paid in full or are inaccurately reported and are damaging to my credit : XXXX Accounts in XXXX : XXXX. XXXX - XXXX XXXX. XXXX XXXX XXXX - XXXX XXXXXXXX XXXX XXXX  XXXX Despite providing all the necessary documentation and complying with the required procedures, the credit reporting agencies have failed to remove the fraudulent items within the legal time frame. These errors have negatively impacted my credit score and have created undue hardship for me.

I am seeking your assistance to ensure that these fraudulent items are permanently removed from my credit report and that the credit reporting agencies comply with the obligations set forth by the Fair Credit Reporting Act ( FCRA ). 

This description provides the CFPB with the details they need to address your dispute. Make sure to adjust the placeholder fields like dates and amounts to match your specific situation. Let me know if you need further modifications!

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 2024-10-22 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: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
An unauthorized amount of money was charged on my debit card on XX/XX/year>. I ordered from an XXXX ad claiming to be the company XXXX. When I received the order confirmation, it was from XXXX, not XXXX, and I proceeded to have conversations with their customer service. They ensured me the package was on the way.I got a text message that XXXX was attempting to redeliver a package and I needed to enter my card information for a XXXX cent charge. I entered the card information and was prompted to click " retry '' several times. I clicked retry 3 times. With those 4 clicks, I was charged {$100.00} each time for a total of {$430.00}. I never got the clothing items I ordered. I reported this immediately to Wells Fargo, and they have denied the claim saying they do not protect against scams, only fraud. I feel this is fraud as I was charged the wrong amount that I had authorized.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-22 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: WI

Complaint narrative:
Upon reviewing my consumers report, i noticed that there were several accounts listed that do not belong to me. Here are the accounts listed XXXX XXXX XXXX XXXX {$5700.00}, Opened XXXX XXXX XXXX XXXXXXXX Bal- {$4800.00}, Opened XXXX Dept of XXXX Bal- {$4600.00}, Opened XXXX XXXX XXXX XXXXXXXX Bal- {$4000.00}, Opened XXXX Dept of EXXXX Bal- {$4000.00}, Opened XXXX XXXX XXXX XXXXXXXX Bal- {$3800.00}, Opened XXXX Dept of XXXX Bal- {$3200.00}, Opened XXXX1 Dept of XXXX Bal- {$2500.00}, Opened XXXXXXXX XXXX XXXX XXXXXXXX Bal- {$2500.00}, Opened XXXX XXXX XXXX XXXXXXXX Bal- {$2300.00}, Opened XXXXXXXX XXXX XXXX XXXX Bal- {$2000.00}, Opened XXXX XXXX XXXX XXXXXXXX Bal- {$1500.00}, Opened XXXX XXXX XXXX XXXXXXXX Bal- {$640.00}, Opened 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 2024-10-22 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: WI

Complaint narrative:
Upon reviewing my consumers report, i noticed that there were several accounts listed that do not belong to me. Here are the accounts listed XXXX XXXX XXXX XXXX {$5700.00}, Opened XXXXXXXX XXXX XXXX  XXXX Bal- {$4800.00}, Opened XXXXXXXX XXXX XXXX XXXXXXXX Bal- {$4600.00}, Opened XXXXXXXX XXXX XXXX XXXXXXXX Bal- {$4000.00}, Opened XXXX XXXX XXXX XXXXXXXX Bal- {$4000.00}, Opened XXXXXXXX XXXX XXXX XXXXXXXX Bal- {$3800.00}, Opened XXXXXXXX XXXX XXXX XXXXXXXX Bal- {$3200.00}, Opened XXXXXXXX XXXX XXXX XXXX Bal- {$2500.00}, Opened XXXXXXXX XXXX XXXX XXXXXXXX Bal- {$2500.00}, Opened XXXXXXXX XXXX XXXX XXXXXXXX Bal- {$2300.00}, Opened XXXXXXXX XXXX XXXX XXXX Bal- {$2000.00}, Opened XXXXXXXX XXXX XXXX  XXXX Bal- {$1500.00}, Opened XXXX XXXX XXXX XXXXXXXX Bal- {$640.00}, Opened XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
Request for Removal of Inaccurate Late Payments from Credit Report To Whom It May Concern, I am writing to dispute and request the immediate removal of inaccurate late payments listed on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1666 ( b ), and the Fair Debt Collections Practices Act ( FDCPA ), I am entitled to have accurate information reported on my credit file. The late payments in question are inaccurately reported on my credit file and do not reflect my payment history accurately. I assert that I have never been late on any payments, as I have always been enrolled in autopay for all my accounts. The fact that a bill may have been sent to my address does not constitute proof of a late payment. The reporting of these inaccurate late payments violates my rights under the FCRA, as they do not reflect my true creditworthiness. Additionally, the reporting of false late payments may constitute a violation of the FDCPA, as it misrepresents the status\ of my accounts : XXXX XXXX ( account number : XXXX ) to request the removal of XXXX late payments reported on my credit history, specifically in XXXX and XXXX of XXXX and XXXX of XXXX. Furthermore, the Truth in Lending Act ( TILA ) requires accurate reporting of credit information to ensure consumers are treated fairly and have access to credit based on accurate data. I demand that all late payments currently reported on my credit file be updated to reflect 100 % on-time payments, as per my true payment history. Failure to do so constitutes a violation of my rights under the FCRA and other consumer protection laws. I request that you investigate this matter promptly and provide me with written documentation of the removal of these inaccurate late payments from my credit report within 30 days.

Company response to consumer: Closed with non-monetary relief