vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-23 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 dispute the validity of two accounts listed on my credit report that I believe to be errors due to unverifiable information and potential identity theft. These accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts do not correspond to any addresses associated with my personal profile, nor do they reflect any transactional activity that I can verify as my own. According to the FCRA Section 1681i, any information that can not be verified or is incomplete must be removed from a consumers credit report. The inclusion of these accounts without any associated addresses strongly suggests that the account details are unverifiable.

Furthermore, the presence of these accounts might indicate potential identity theft, as I have no knowledge of these accounts being opened under my name, and they do not relate to any of my known financial activities. Under the FCRA, I am entitled to dispute fraudulent entries to protect my credit rating from unwarranted damages.

Attached to this letter are snapshots of my credit report showing these specific accounts having no association to any address on my credit report. I hereby request the removal of these accounts from 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 2024-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I spoke with Capitol One on XX/XX/year> at approximately XXXX to verify an incoming XXXX payment on my account. Despite me providing information and verifying the funds they stated they will not release the funds until the speak to the other party. I spoke to a supervisor who then stated I will also be unable to open any further accounts with them when I requested they cancel the XXXX payment they deactivated my XXXX account without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: FL

Complaint narrative:
I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX 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 non-monetary relief
Consumer complaint received 2024-04-23 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: TX

Complaint narrative:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 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: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MIDLAND CREDIT COLLECTION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NOTICE OF INTENT TO SUE Dear Sir/Madam, I am writing to express my intent to take legal action against MIDLAND CREDIT COLLECTION for violations of the Fair Credit Reporting Act ( FCRA ) and other applicable laws. MIDLAND CREDIT COLLECTION has failed to comply with laws outlined in the FCRA, resulting in several violations of my consumer rights. This is an ongoing issue regarding the debt that you are attempting to collect on behalf of XXXX XXXX XXXX. It has come to my attention that the original creditor has written off the debt, which means that I am no longer responsible for it by law. 

I would like to point out that, as I have no legal contract with MIDLAND CREDIT COLLECTION. It is against the law to enforce a voided contract. Once a debt has been written off by the original creditor, the responsibility for the debt no longer lies with me. Therefore, I am requesting that you provide proof that I have a legal binding contract with MIDLAND CREDIT COLLECTION proving that the debt is owed to your company. If you are unable to provide such proof, you are required by law to cease reporting a fictitious debt that is not legally binding to your company. This is consumer fraud and I am willing to protect myself at the fullest extent of the law. 

These actions have resulted in harm to my reputation, financial standing, and overall well-being. MIDLAND CREDIT COLLECTION conduct constitutes violations of 15 USC 1611 criminal liability, 15 USC 1681n civil liability for willful noncompliance, punitive damages, deceptive practices, negligence, and defamation of character under permissible purpose 15 USC 1681. I demand that MIDLAND CREDIT COLLECTION take immediate corrective action to rectify the inaccuracies in my credit report and provide compensation for the damages I have suffered as a result of their actions. If MIDLAND CREDIT COLLECTION is unwilling to settle this matter, I am prepared to take legal action to hold you accountable for your violations of the law with {$1000.00} per violation.

I would appreciate your prompt response to this matter and ask that you cease all attempts to collect on this debt until such time as you can provide the necessary documentation.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 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: FL

Complaint narrative:
I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 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: SC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-04-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: AR

Complaint narrative:
I received a gift card and I never could use the {$500.00} that was funded. I called the card company, and they said I had to get a replacement card mailed. I still have not received the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There are several inaccuracies in my consumer report that I would like to remove. There is an alias on my consumer report that I would like removed. XXXX and XXXX continues to report inaccurate names. I disputed this on XX/XX/2024 for the second time. 

In addition, Equifax continues to report an inaccurate address and name on my consumer report after I have disputed the information. All XXXX companies are reporting inaccurate information and violating my rights to privacy as well as furnishing my nonpublic information without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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:
There are several inaccuracies in my consumer report that I would like to remove. There is an alias on my consumer report that I would like removed. XXXX and Experian continues to report inaccurate names. I disputed this on XX/XX/2024 for the second time. 

In addition, XXXX continues to report an inaccurate address and name on my consumer report after I have disputed the information. All XXXX companies are reporting inaccurate information and violating my rights to privacy as well as furnishing my nonpublic information without my consent.

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 2024-04-23 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
In Accordance with the Fair Credit Reporting Act this creditor Comenity Capital BankXXXX XXXX XXXX has violated my rights under 15 USC 1681 section 6 0 2 states I have the right to privacy 15 USC 1681 section 6 0 4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: NC

Complaint narrative:
Upon reviewing my recent credit report, I have identified discrepancies that require immediate attention. The company has acknowledged this error and has committed to remove the accounts. Other credit bureaus have already removed the accounts after the company recognized the inaccuracy of the accounts. I kindly request a thorough investigation into these accounts and prompt communication of the findings via mail. According to information available online, such disputes should be resolved within 30 days. Therefore, I expect to receive your response within this time-frame. 

DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX , DEPT OF EDUCATION/XXXX XXXX , DEPT OF EDUCATION/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I have repeated request and reported this information to be inaccurate, it's simply them taking there word over mine. No one will send the request information I tried directly from NCS then the credit bureaus themselves! XXXX XXXX  LIED! I have reported the litigation between that company and myself submitted PROOF, AND not mention it's Public Record. The judgement reads {$0.00} ... ..although I was long gone before that took place, if I owed you, why I received Nothing! If i owed you why not ask for that respective amount in court!! These businesses are out here ruining and sabotaging people as retaliation! There roof fell on my head, the insurance company and there investigators admitted fault. A is public record and NCS AND THE CREDIT BUREAUS CONTINUE TO INGORE MY PLEAS AND REQUEST TO MAKE THIS RIGHT

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
This letter is to inform Coinbase of a fraudulent activity committed through your company 's services. I was involved in fraud with Scammers from the company XXXX I would like to emphasize that during so-called cooperation with the firm mentioned above, its employees provided me with a lot of fake information and as a result, I accepted the investment of quite a reasonable sum of money for me, namely XXXX XXXX from this sum were transferred to the Coinbase wallet, associated with scammers. They made me believe I was purchasing and investing in XXXX, but in reality, my money was just stolen. I was led to believe that I was " trading '' with the funds that were transferred, while in reality, the fluctuation in numbers was all smoke and mirrors for the scammers to get away with stealing all of my funds. 
I have included all the necessary proof for the damages, both financial and mental, that have been done to me throughout my interaction with this fraud. The tactics used included : emotional manipulation, double binding, complicated market speech, harassment and blackmail. I understand that sketchy companies can be put under a lot of pressure from Coinbase 's side as they can lose their ability to process payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MD

Complaint narrative:
- THIS IS A REINSERTION, ACCOUNT WAS REMOVED FROM CREDIT FILE IN XXXX ON XXXX AND WAS RE-INSERTED - ACCOUNT NUMBERS DO NOT MATCH - CONTACTED NELNET XX/XX/XXXX, XX/XX/XXXX AND REQUESTED PAYMENT HISTORY, XXXX, ORIGINAL CONTRACT, PAY OFF DATE, AND PRINCIPAL AMOUNT. REPRESENTATIVE STATES THEY DO NOT HAVE ON FILE. 
- I HAVE MAILED CERTIFIED LETTER IN XX/XX/XXXX REQUESTING ALL INFORMATION ON LOAN - LOAN DISBURSEMENTS ARE INCORRECT - SCHOOL IS LISTED DIFFERENTLY ( XXXX XXXX COLLEGE ) - SYSTEMS ARE SHOWING INCORRECT INFORMATION, REPRESENTATIVES STATES IT SHOULD HAVE ALREADY BEEN UPDATED. 
- INFORMATION NOT CERTIFIED - FAILED TO NOTIFY OF REINSERTION - TRANSACTION CODE : XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-04-23 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: CA

Complaint narrative:
I am writing to dispute the validity of two accounts listed on my credit report that I believe to be errors due to unverifiable information and potential identity theft. These accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts do not correspond to any addresses associated with my personal profile, nor do they reflect any transactional activity that I can verify as my own. According to the FCRA Section 1681i, any information that can not be verified or is incomplete must be removed from a consumers credit report. The inclusion of these accounts without any associated addresses strongly suggests that the account details are unverifiable.

Furthermore, the presence of these accounts might indicate potential identity theft, as I have no knowledge of these accounts being opened under my name, and they do not relate to any of my known financial activities. Under the FCRA, I am entitled to dispute fraudulent entries to protect my credit rating from unwarranted damages. 

Attached to this letter are snapshots of my credit report showing these specific accounts having no association to any address on my credit report. I hereby request the removal of these accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: CA

Complaint narrative:
I am writing to dispute the validity of two accounts listed on my credit report that I believe to be errors due to unverifiable information and potential identity theft. These accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts do not correspond to any addresses associated with my personal profile, nor do they reflect any transactional activity that I can verify as my own. According to the FCRA Section 1681i, any information that can not be verified or is incomplete must be removed from a consumers credit report. The inclusion of these accounts without any associated addresses strongly suggests that the account details are unverifiable. 

Furthermore, the presence of these accounts might indicate potential identity theft, as I have no knowledge of these accounts being opened under my name, and they do not relate to any of my known financial activities. Under the FCRA, I am entitled to dispute fraudulent entries to protect my credit rating from unwarranted damages. 

Attached to this letter are snapshots of my credit report showing these specific accounts having no association to any address on my credit report. I hereby request the removal of these accounts from 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 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently received a copy of my 3 Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX XXXX XXXX : {$16000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$500.00} XXXX  XXXX XXXX Balance : {$370.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX  XXXX Balance : {$1200.00} XXXX  XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX Balance : {$120.00} XXXX XXXX  XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$610.00} XXXX XXXX XXXX XXXX Balance : {$810.00} XXXX  XXXX Balance : {$4300.00} XXXX XXXX  XXXX Balance : {$1200.00} XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 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: CA

Complaint narrative:
I recently received a copy of my 3 Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX XXXX XXXX : {$16000.00} XXXX  XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX Balance : {$500.00} XXXX  XXXX XXXX Balance : {$370.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX  XXXX Balance : {$1200.00} XXXX  XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX Balance : {$120.00} XXXX XXXX  XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$610.00} XXXX XXXX XXXX XXXX Balance : {$810.00} XXXX  XXXX Balance : {$4300.00} XXXX XXXX  XXXX Balance : {$1200.00} XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>

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 2024-04-23 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.

Complaint narrative:
When I checked my credit report, I found that some of the information was inaccurate. The XXXXcredit bureaus are obligated to confirm this accountunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting accountas unconfirmed information without providing evidence within the legally required amount of time. The incorrect data in my credit report needs to be investigated into and corrected : XXXX XXXX XXXX XXXX XXXX : {$2000.00}

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