vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-30 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: OK

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2024-12-30 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: IN

Complaint narrative:
I check my credit report on XX/XX/year> and noticed wrong information who dont belong to me.And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it should follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.I sent a letter asking them to reinvestigate these accounts listed XXXXXXXX XXXX XXXX  Original creditor name Open Balance XXXX $ XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX Open Balance XXXX $ XXXXXXXX XXXX XXXX Original creditor name XXXX XXXX XXXX $ XXXX have not responded 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 2024-12-30 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: GA

Complaint narrative:
I filed a complaint previously and was contacted by a representative named XXXX XXXX. She stated over the phone that XXXX had received full payment for the charge off AFTER the account was charged off. They received a payment from my GAP insurance. They have been reporting inaccurate information on my credit report for years. Isnt it still XXXX  duty to report accurate information on my credit report even after the account was charged off? I asked XXXX XXXX to send me a copy of my account ledger and she did not. She only provided the original contract. This is a violation Under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX  is required to provide accurate information to credit reporting agencies. I request that you investigate this matter and promptly correct the reporting error by updating my account status to reflect that it was paid in full. Additionally, I request that you notify all credit reporting agencies to which you report this account and ensure the correction is reflected on my credit report. 

Please provide written confirmation of your investigation and any updates to my account status within 30 days, as required under the FCRA. If you find that the current reporting is accurate, I request a detailed explanation and verification of the debt as required by law. 

I appreciate your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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: EQUIFAX, INC.
State: CT

Complaint narrative:
I am writing to urgently address significant errors, discrepancies, and unauthorized accounts appearing on my credit report. Upon reviewing my credit reports, I have identified discrepancies and inaccuracies in the reported accounts. These items are invalid and must be deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I am writing to urgently address significant errors, discrepancies, and unauthorized accounts appearing on my credit report. Upon reviewing my credit reports, I have identified discrepancies and inaccuracies in the reported accounts. These items are invalid and must be deleted immediately.

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 2024-12-30 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: OK

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2024-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
Credit collection Services has reported an open balance of {$240.00} without prior contact or knowledge. I reached out to the agency and they would not provide me any information concerning the account. But continued to state that I must pay or they will take legal action. If you can not supply this documentation, please delete this alleged late payment ( s ) from my credit report. This institution is furnishing invalid information and is preventing me from being extended credit. This has violated my rights 15 U.S.C 1681 section 602 A. The FCRA allows 30 days for this to be rectified, please remove this account from my consumer report and please provide me with a free updated copy of my report.

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 2024-12-30 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: Law Offices of Timothy M. Sullivan
State: TX

Complaint narrative:
XXXX XXXX XXXX has violated Section 392.307 of The XXXX XXXX XXXX and Section 1066.26 of The Code of Federal Regulations by attempting to collect on a Time-Barred Debt. Ive received correspondences from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX both collecting on the same debt at the same time which is impractical. Neither debt collector disclosed that both accounts were Timed Barred Debt. Failure to disclose a Time-Barred Debt is a direct violation under Section 392.307 ( c ) ( e ) of The Texas Finance Code. I have filed an additional complaint with The Office of The Attorney General to further disclose XXXX XXXX XXXX business practice. 

Account # XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: Early Warning Services, LLC
State: MI

Complaint narrative:
After Michigan XXXX XXXX XXXX in XXXX had informed me that fake doctor XXXX XXXX fake XXXX had open accounts up there belong to me. On XX/XX/year> at XXXX I then received an email XXXX provided case XXXX but are currently assisted with an investigation by new XXXX XXXX XXXX XXXX in New York and are telling me don't trust them and could be connected to XXXX XXXX XXXX their IT Department has discovered and tracked all my funds are laundry to XXXX  XXXX XXXX XXXX and are in need of the CFPB help to locate and get an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: LEXISNEXIS
State: MI

Complaint narrative:
After XXXX  XXXX XXXX XXXX in XXXX had informed me that fake doctor XXXX XXXX fake XXXX had open accounts up there belong to me. On XX/XX/year> at XXXX I then received an email XXXX provided case XXXX but are currently assisted with an investigation by new XXXX XXXX XXXX XXXX in New York and are telling me don't trust them and could be connected to XXXX XXXX as their IT Department has discovered and tracked all my funds are laundry to XXXX  to XXXX XXXX and are in need of the CFPB help to locate and get an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: KY

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX  XXXX Account Number : 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 2024-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/year> : Unauthorized purchase of {$990.00} was made to XXXX. I reached out to both XXXX and Wells Fargo to let them know the purchase was unauthorized. Wells Fargo told me they will investigate and to follow up in 3 days. 

XX/XX/year> : XXXX got back to me with the response Hi, Our records show that your question has already been resolved. 

XX/XX/year> : I reached out to Wells Fargo to follow up on my claim. My claim was denied due to them believing the purchase was made by an authorized user, which is not true. 

XX/XX/year> : Filed my first CFPB complaint hoping to get a resolution XX/XX/year> : Received a call from Wells Fargo Executive Branch to be informed they are working on my way and are going to send over my files to claims department XX/XX/year> : Received a call to be informed once again that my claim was denied one again due to this purchased being authorized my be or someone I may know. Therefore filing another CFPB complaint.

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 2024-12-30 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 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 non-monetary relief
Consumer complaint received 2024-12-30 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: VA

Complaint narrative:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away. Kindly remove and block them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Cedars Business Services, LLC

Complaint narrative:
Since this year they have been harassing me about my credit card debt which it was cancelled without any warning and also has been on automatic payment, the reason it is really difficult to dela with this people is because I do nkt know them, my bank is from XXXX but they are not even in the Gulf and eventhough they might be a third party, they are stalking me on the Internet, called my employer, eventhough I already had contacted the bank months ago about keeping my account open and trying to keep the funds so they can debit the money,.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX  Dear Portfolio Recovery Associates, I am writing to formally request validation of the debt you claim I owe, as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). I request that you provide me with the following information : 1. Assignment Contract : Please provide the original assignment contract that grants you the authority to collect on this debt.

2. Payment History : I would like to see a complete payment history for this account, including the original balance, any payments made, and any fees or interest that have been added.

3. Original Creditor : Please provide the name of the original creditor associated with this debt, as well as their contact information.

According to the FDCPA, you are required to provide this information within 30 days of receiving this letter. If you are unable to provide the requested documentation, I expect you to cease all collection efforts regarding this debt immediately. 

Please send all correspondence regarding this matter to my address listed above. Thank you for your prompt attention to this request. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Collections on Credit Report Dear CFPB, I am writing to formally dispute the collections reported on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681. I believe that these collections are inaccurate, and I request that your office investigate the matter thoroughly. The collections in question could be possible fraudulent activity due to a known data breach in which billions of individuals sensitive personal information, including mine, was stolen by hackers. Im also a victim of identity theft from previous years back. I believe my information was compromised, making me a victim of identity theft. The existence of these collections on my credit report is unjust and has caused significant harm to my financial standing. Under 15 U.S.C. 1681, I am entitled to the assurance that all information reported about me is accurate and verifiable. Given that my identity was stolen and used without my consent, the collections associated with this matter are neither accurate nor fair representations of my financial obligations. I respectfully request that your office : Investigate the collections and accounts below in question to determine their validity. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Contact the reporting agencies and collection companies to verify the accuracy of the information. Remove any unverifiable or inaccurate collections from my credit report immediately. Please note that as a victim of identity theft, I also request the CFPBs guidance on any additional steps I may take to protect my credit and hold the responsible parties accountable. The data breach law reinforces the necessity of addressing the consequences of such breaches promptly and effectively to minimize harm to affected individuals like myself. I look forward to your prompt response and resolution of this matter. Please contact me directly at XXXX if further information or clarification is needed. 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 non-monetary relief
Consumer complaint received 2024-12-30 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:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

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 2024-12-30 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:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

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 2024-12-30 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: GA

Complaint narrative:
These hard inquires on my consumer report I do not recognize

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 2024-12-30 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: NC

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 non-monetary relief