vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to formally request the immediate blocking and removal of inaccurate information in my consumer report, as required under 15 U.S. Code 1681c-2. The information I have identified is the result of alleged identity theft, and according to federal law, you are required to block this information no later than four business days after receiving this notice.

Additionally, under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), the information in my file must be reported accurately. The accounts listed below are in violation of this requirement and have compromised my federal consumer rights, including my right to privacy and confidentiality, as outlined under 15 U.S. Code 1681.

Furthermore, under 15 U.S. Code 1692g, I am entitled to receive validation of the debt, including proof of a purchase agreement or a wet signature demonstrating that I committed to the debt in question. If such proof is not provided, you are required to remove the accounts from my report immediately.

**Accounts in Violation : ** [ List the accounts in question here ] Pursuant to 15 U.S. Code 1681, Section 602 ( a ), I am entitled to privacy concerning my consumer report. Further, under 15 U.S. Code 1681, Section 604 ( a ) ( 2 ), a consumer reporting agency can not furnish accounts or information without my written consent. I did not provide written permission for these accounts to be included in my credit report, as outlined in 15 U.S. Code 1681a ( 2 ).

I also bring to your attention 15 U.S. Code 1666b, which requires that creditors promptly correct billing errors upon notification. As such, the inclusion of these accounts on my report constitutes a billing error, and they must be corrected immediately.

Additionally, under 15 U.S. Code 1601, the purpose of the Truth in Lending Act is to promote the informed use of credit through meaningful disclosure of credit terms. The inclusion of unverified accounts violates this principle and misleads the consumer.

Finally, I refer to 18 U.S. Code 1028A, which imposes severe penalties for aggravated identity theft. The failure to address the issues raised in this letter may result in further legal action under this statute.

I request that you provide the original copy of the agreement, including all terms and conditions, associated with the accounts in question. If you fail to provide this documentation, you are required to delete these accounts from my report.

Please take immediate action to block these transactions from being reported to my consumer report within four days from the receipt of this notice. Failure to comply will result in further actions, including potential claims for damages up to {$1000.00} per account, as permitted by law.

I look forward to your prompt response and the resolution of this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score.

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Advanced Resolution Services Inc.
State: IN

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Halsted Financial Services, LLC.
State: AL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX VALIDATION AND CEASE AND DESIST AND DO NOT CONTACT MY CREDIT Re : Halsted Financial Address : XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX Account # : XXXX Dear Halsted Financial, I have not received a validation response to my request for verification on the debt. You have not sent me designation or proof of ownership of the debt or identification of the original creditor and subsequent assignees of the debt. As you know under 15 USC 1692g ( a ) the CFPB recently increased the requirements of a debt collectors validation response to the following : Name and mailing information of the debt collector ; and Name of the creditor to whom the debt is owed ; and Account number ( if any ) associated with the debt ; and An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date that you may be able to recognize or verify with records ; and The current amount of the debt as of when the validation notice is provided.

None of the above were provided to me.

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT ANY ASSIGNMENT FROM THE ORIGINAL CREDITOR WITH MY NAME AND ORIGINAL ACCOUNT NUMBER ON THE ORIGINAL DEBT ALL INFORMATION ON THE SECURITIZATION OF THE DEBT AND PROOF THE DEBT WAS ASSIGNED BACK TO UNDER FEDERAL LAW : Pursuant to XXXX XXXX XXXX, XXXX, XXXX & XXXX, XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XX/XX/XXXX ), and 15 USC 1692g ( b ), you are required to cease and desist from collecting upon the debt ( including contacting a debtors credit ) until you properly validate and verify the debt amount. 
Please do not look at my credit or report anything to my credit reports as I dispute, I owe this debt to you and that dispute should be stated in my credit report. Do not contact my credit report. 

Thank you for your immediate cooperation. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 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: IL

Complaint narrative:
The company XXXX is reporting a false collection account on my report the names do not match on this account from said collection company XXXX ( b ) which I contacted and stated that it wasnt my account and the name was inaccurate and not mines

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 2024-09-17 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: NY

Complaint narrative:
I need your aid in resolving the incorrect account reflected on my credit report. The issue has hurt my reputation, and Im reaching out for your help. The mishandling of my report has left me devastated, so I insist that this inaccurate information be removed.

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 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
In accordance with the fair credit reporting act, The list of accounts has violated. My federally protected consumer rights to privacy and confidentiality under 15 u.s.c. 1681 ... 
Account Names.. XXXX XXXX XXXX ... Account # XXXX ... Account Name .... XXXX XXXX XXXX XXXXXXXX ... .. Account # XXXX ... Account Name... XXXX XXXX XXXX  .... Account # XXXX Account Name.. XXXX ... Account # XXXX ... Account XXXX... XXXX XXXX XXXXXXXX .... XXXX XXXX XXXX.. XXXX XXXX ... 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 items of information, other than records of Convictions of crimes which antedates the report by more than seven years. 15 u.s.c. 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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 2024-09-17 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: NJ

Complaint narrative:
In accordance with the fair credit reporting act, The list of accounts has violated. My federally protected consumer rights to privacy and confidentiality under 15 u.s.c. 1681 ... 
Account Names.. XXXX XXXX XXXX ... Account # XXXX ... Account Name ...XXXX XXXX XXXX XXXX XXXX XXXX .. Account # XXXX ... Account Name..XXXX XXXX XXXX XXXX XXXX.. Account # XXXX Account Name.. XXXX ... Account # XXXX ... Account XXXX... XXXXXXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX ... 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 items of information, other than records of Convictions of crimes which antedates the report by more than seven years. 15 u.s.c. 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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 explanation
Consumer complaint received 2024-09-17 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: VA

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 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I noticed an unfamiliar account on my credit report that I do not recognize. It may be the result of fraud or identity theft.

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 2024-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aqua Finance, Inc.
State: WA

Complaint narrative:
In 2019 my husband and I got a knock on our door from XXXX XXXX on a promotion for water treatment. 
What was to be a simple payment plan for an amount, has turned into failed attempts over and over through Aqua Finance. We set up auto payments, then to find out the payments " failed '' to go through. Then to be told by Aquafinance that they required large payment to catch us up!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 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: TX

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
This morning, I was upset to find unauthorized inquiries on my credit report without any reason. I check my credit report regularly, but this time there were unexpected errors. Refreshing my browser didnt help at all, and the inquiries stayed. I'm really disheartened and angry, and I urge you to review the documents Ive sent to ensure this issue is dealt with swiftly and I never have to worry about it again.

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 2024-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to 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 explanation
Consumer complaint received 2024-09-17 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: CA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX Debt XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : 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 non-monetary relief
Consumer complaint received 2024-09-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: IL

Complaint narrative:
I have been trying to have this removed from my XXXX credit report since XX/XX/XXXX. This is not me, I have never lived at the address that is provided by the company XXXX XXXX. They are also using my maiden name which I have not used since XXXX and they are claiming that this account was opened in XXXX. The only way that I have received communications from this business is through a previous dispute on this website and through XXXX. I do not know how to prove this isn't me beyond what I have already done which is dispute this over and over again. I am not going to give XXXX XXXX, Amsher Collection Services, or XXXX XXXX any of my personal information as they are clearly fraudsters.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 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 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 XXXX U.S.C XXXX SECTION XXXX A. STATES I HAVE THE RIGHT TO PRIVACY. XXXX XXXX XXXX SECTION XXXX SECTION XXXX. 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 2024-09-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am filing this complaint because my credit application with Capital One was denied due to a lack of credit history from XXXX, XXXX, and XXXX. Although I provided all necessary information, including my Social Security number, I was still denied credit. This decision violates the Equal Credit Opportunity Act ( XXXX ), which prohibits discrimination in credit decisions. Denying my application solely because I do not have a credit report unfairly prevents me from equal access to credit. I am requesting that Capital One reverse the decision or provide compensation for this unfair treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Noticed that I received a hard inquiry on credit report today XX/XX/24 by capitol one bank. I have no authorizied any credit checks.i do not have any sort of credit card or account with capital one. I outreached to capital one at XXXX XXXX XXXX XXXX XXXX. Was informed there is a credit card account with my name however my social did not match. They would not disclose any further information to me. I outreached to transition who recommended I add fraud alert and contact you immediately to notify of the issue. Im not sure if this was an attempt at identity fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-17 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: TN

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I checked my credit report this morning as I have been doing so for as long as I remember but this is the first time that this has happened on my credit report. I have no idea why this inaccuracy showed up on my credit report so please check the documents that I've sent regarding this.

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