vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
I am writing to formally dispute the debt associated with my account ( $ XXXX {$2000.00} XXXX ) and to request validation of this debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692g. 

As required by law, I am requesting the following documentation : 1. Original Signature : A copy of the original signed contract or agreement that I entered into with the creditor. 
2. Chain of Title : Documentation showing the chain of title for the debt, including any transfers or assignments of the debt. 
3. Payment History : A detailed payment history for this account, including all transactions and payments made. 
4. Insurance Claims : Any insurance claims related to this debt. 

Please provide the requested documentation within 30 days from the date of this letter. If you are unable to provide the requested information, I ask that you immediately remove this account from all credit reporting agencies. 

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

Ive also never lived at XXXX XXXX XXXX XXXX where they have my accounts address as.

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 2024-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I agreed to purchase car parts from an individual allegedly named XXXX XXXX on XX/XX/year>XXXX  with remittance of {$190.00} through Zelle to a XXXX XXXX through a website called XXXX. After payment through Zelle, the parts were never delivered and both XXXX XXXX and XXXX XXXX disappeared. I contacted the NYS Police, filed a report and contacted my credit union, XXXX XXXX XXXX XXXX who denied any recourse. I attempted to contact the fraudster with a demand letter and through a number of other legal authorities to no avail. XXXX also disclaimed any responsibility through their lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 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: PA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : 1. Name : My current legal name is XXXX XXXX XXXX, but it is listed incorrectly on my credit report as XXXX XXXX XXXX. I request that my name be updated to reflect the correct information. 

2. Address : My current residential address is XXXX XXXX XXXX XXXX, PA XXXX, but my credit report shows an outdated address as [ Old Address ]. I request that my current address be updated accordingly. 

3. Contact Information : The phone number listed on my credit report, XXXX, is no longer in use. I request that my new phone number, [ Your Current Phone Number ], be updated as my primary contact number. 

I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : A copy of my SSN or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 
A copy of my phone bill or any other official document that displays my correct phone number. 

Additionally, please provide me with a written confirmation once the updates have been made, and send me an updated copy of my credit report reflecting the changes. 

I appreciate your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at [ Your Phone Number ] or via email at [ Your Email Address ]. Thank you for your cooperation. 

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 2024-12-22 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: PA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : 1. Name : My current legal name is XXXX XXXX XXXX, but it is listed incorrectly on my credit report as XXXX XXXX XXXX. I request that my name be updated to reflect the correct information. 

2. Address : My current residential address is XXXX XXXX XXXX XXXX, PA XXXX, but my credit report shows an outdated address as [ Old Address ]. I request that my current address be updated accordingly. 

3. Contact Information : The phone number listed on my credit report, XXXX, is no longer in use. I request that my new phone number, [ Your Current Phone Number ], be updated as my primary contact number. 

I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : A copy of my SSN or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 
A copy of my phone bill or any other official document that displays my correct phone number. 

Additionally, please provide me with a written confirmation once the updates have been made, and send me an updated copy of my credit report reflecting the changes. 

I appreciate your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at [ Your Phone Number ] or via email at [ Your Email Address ]. Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 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: GA

Complaint narrative:
Subject : Formal Dispute of Credit Reporting XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint and dispute regarding inaccurate and misleading information reported by XXXX XXXX XXXX on my credit report. The information provided below does not accurately reflect the circumstances of my account, and I am requesting your assistance in investigating this matter and ensuring compliance with federal credit reporting laws. 

Details of the Disputed Account : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Auto Loan ( Joint Responsibility with XXXX XXXX ) Date Opened : XX/XX/XXXXXXXX  Reported Status : Charged off ( {$16000.00} written off ; {$16000.00} past due as of XX/XX/XXXXXXXX  ) Original Creditor : XXXX XXXX XXXX XXXX Grounds for Dispute : 1. Charge-Off Reporting : The charge-off and balance information ( {$16000.00} ) is being reported inaccurately. Under 15 U.S.C. 1666b and 15 U.S.C. 1681s-2, creditors are required to report only accurate and verifiable information. I have not received sufficient validation for this debt or evidence justifying the charge-off amount. 

2. Repossession Reporting : The account history indicates a repossession in XX/XX/XXXX, but the vehicle was redeemed. Per UCC 9, Part 6, repossessions followed by redemption must not continue to be reported inaccurately. 

3. Duplicate Reporting of Negative Events : The account history redundantly lists late payments, repossession, and charge-off statuses from XX/XX/XXXXXXXX  through XX/XX/XXXX. These entries appear to overlap and create an unfair representation of the accounts status. 

4. Compliance with FCRA and Investigation Obligations : I previously disputed this account, as noted in the comment section of my credit report. However, the reinvestigation completed in XX/XX/XXXX failed to address all errors comprehensively, violating 15 U.S.C. 1681i and 15 U.S.C. 1681s-2. 

Requested Resolution : 1. Delete the inaccurate charge-off reporting and balance information.

2. Remove the repossession entry, as the vehicle was redeemed, per applicable law.

3. Ensure compliance with federal regulations, including proper validation of the debt and correction of redundant and inaccurate reporting. 

I am requesting the CFPBs assistance in ensuring that XXXX XXXX XXXX complies with its obligations under the Fair Credit Reporting Act and related statutes. Please confirm receipt of this dispute and provide updates regarding the investigation. 

Thank you for your attention to this matter. 

Sincerely, 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 2024-12-22 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: GA

Complaint narrative:
Subject : Formal Dispute of Credit Reporting XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint and dispute regarding inaccurate and misleading information reported by XXXX XXXX XXXX on my credit report. The information provided below does not accurately reflect the circumstances of my account, and I am requesting your assistance in investigating this matter and ensuring compliance with federal credit reporting laws. 

Details of the Disputed Account : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Auto Loan ( Joint Responsibility with XXXX XXXX ) Date Opened : XX/XX/XXXXXXXX  Reported Status : Charged off ( {$16000.00} written off ; {$16000.00} past due as of XX/XX/XXXX ) Original Creditor : XXXX XXXX XXXX XXXX Grounds for Dispute : 1. Charge-Off Reporting : The charge-off and balance information ( {$16000.00} ) is being reported inaccurately. Under 15 U.S.C. 1666b and 15 U.S.C. 1681s-2, creditors are required to report only accurate and verifiable information. I have not received sufficient validation for this debt or evidence justifying the charge-off amount. 

2. Repossession Reporting : The account history indicates a repossession in XX/XX/XXXX, but the vehicle was redeemed. Per UCC 9, Part 6, repossessions followed by redemption must not continue to be reported inaccurately. 

3. Duplicate Reporting of Negative Events : The account history redundantly lists late payments, repossession, and charge-off statuses from XX/XX/XXXX through XX/XX/XXXX. These entries appear to overlap and create an unfair representation of the accounts status. 

4. Compliance with FCRA and Investigation Obligations : I previously disputed this account, as noted in the comment section of my credit report. However, the reinvestigation completed in XX/XX/XXXX failed to address all errors comprehensively, violating 15 U.S.C. 1681i and 15 U.S.C. 1681s-2. 

Requested Resolution : 1. Delete the inaccurate charge-off reporting and balance information.

2. Remove the repossession entry, as the vehicle was redeemed, per applicable law.

3. Ensure compliance with federal regulations, including proper validation of the debt and correction of redundant and inaccurate reporting. 

I am requesting the CFPBs assistance in ensuring that XXXX XXXX XXXX complies with its obligations under the Fair Credit Reporting Act and related statutes. Please confirm receipt of this dispute and provide updates regarding the investigation. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 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:
This is my second time writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX 2. My Address : XXXX XXXXXXXX XXXX XXXX Fl XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is XXXX Delete any and all other phone numbers. 


I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : First name, Last Name XXXX : XXXX Address : Your Address Sincerely XXXX XXXX Enclosed : copy of State ID and Utility bill showing proof of address

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 2024-12-22 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: GA

Complaint narrative:
I was looking at my credit report and notice there were some things that was not correct.I sent a letter on XXXX XXXX, XXXX, it has been more than 35 days since the credit bureaus haven't responded. That is a violation of 15 USC 168 1 ( a ) ( 1 ) ( a ) Under 15 USC 168 1 ( a ) ( 1 ) ( a ) subject to subsection ( f ) and except as provided in subsection ( g ). If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ) before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2024-12-22 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I received a call and letter on XX/XX/year> from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
About a collection I am currently disputing ( National Credit System ) Account # XXXX I replayed asking for a debt validation request dated XXXX XXXX, XXXX. After reviewing the documentation they provided, I have identified inaccuracies and insufficiencies in their response. 
Specifically, the resident charge/payment ledger they provided contains discrepancies that do not accurately reflect the alleged debt 's history. I was requesting that the firm address the following : 1. Inaccuracies in the Ledger : Please provide a detailed and accurate explanation of the discrepancies identified in the ledger. Include all supporting documentation that verifies the accuracy of the charges and payments, such as invoices, receipts, and transaction histories.

2. Full Disclosure of Purchase Agreements : As part of your obligation to validate this debt, I formally request full disclosure of all purchase agreements or assignments related to this alleged debt. This includes but is not limited to : A copy of the original agreement with the creditor. 
The chain of title and all transfer/assignment documents showing ownership of the debt. Any terms and conditions outlining the agreement 's enforceability. 
Please note that under the Fair Debt Collection Practices Act ( FDCPA ), they are required to provide this information to validate the debt. Without such documentation, your claim to collect this debt is not substantiated. 
The law office did not reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 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:
I am a victim of XXXX XXXX. The information listed below, which appears on my credit report, is the result of that trafficking.

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 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The addresses and employment information that I am disputing are not accurate. I have never lived there.

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 2024-12-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: MD

Complaint narrative:
On or about XX/XX/XXXX  I used my affirm account to purchase tires from XXXX online. The tires were the wrong size and no services or tires were received. A refund for the services was placed back to my affirm account, but the cost of the tires was not. Upon contacting both XXXX and Affirm to investigate this matter ; to date still no refund has been issued. Affirm placed a letter in my account dated XX/XX/XXXX  that the loan was deemed true and I was responsible. I again reached out to affirm who directed me to XXXX and stated they were not able to assist further. I explained I am a customer in good standings and don't understand why you would attempt to charge me for items I did not receive without a full and thorough investigation. At this time XXXX is still promising a refund and Affirm states they have no information of such and refuse to pursue a refund on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 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: DC

Complaint narrative:
inaccurate reporting to consumer report and violation of privacy. 
I've reached out to the company in regards to all the violation they're doing in regards to my rights listed below. I'v sent notice XXXXXXXX  PRIVACY ACT OF 1974 15 USC 1681 15 USC 6508 15 USC 6802 15 USC 6805 16 CFR 313.7 16 CFR 433.2 15 USC 1681 eb 15 USC 1681 i7

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 2024-12-22 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
inaccurate reporting to consumer report and violation of privacy. 
I've reached out to the company in regards to all the violation they're doing in regards to my rights listed below. I'v sent notice XXXX PRIVACY ACT OF 1974 15 USC 1681 15 USC 6508 15 USC 6802 15 USC 6805 16 CFR 313.7 16 CFR 433.2 15 USC 1681 eb 15 USC 1681 i7

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 2024-12-22 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
We have credit monitoring through XXXX. 

Checking on an alert we found a fraudulent account opened with XXXX XXXX XXXX  XXXX  XXXX  for XXXX XXXX in Texas. 

We did NOT open this card. 

Note the card number is from the XXXX fraud report, its not complete, but since I did not open this, I do not have it. 

When we called we largely got a brush off, no confirmation, or case number, Please assist!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
My credit report and identity has been illegally exposed and breached I am requesting removal of everything on my report due to identity and illegal flagging

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