vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-06 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: MI

Complaint narrative:
ATTENTION, NOTICE IS HERE BY GIVEN : ON, XX/XX/2024 I, XXXX : XXXX XXXX XXXX XXXX Name : XXXX XXXX XXXX a AFFIDAVIT IN SUPPORT of DEFAULT Did participate as a third-party witness to your acquiescence assent Certain contractual obligations titled : DEBT VALIDATION along with supporting documentation affirming said acceptance acquiescence and assent. 

On ( XXXX ), ( SEE ATTACHED documents ), I submitted a request to XXXX XXXX XXXX Team and EQUIFAX for validation of a debt reporting on my consumer report. However, despite the legal obligation imposed by the FDCPA, I have not received any response or validation of the debt within the required time frame. ( more than XXXX ) here is my Certifed Mail Reciept # XXXX This failure to validate the debt constitutes a breach of your obligations under the FDCPA. As such, I am issuing this formal notice of default and providing you with an opportunity to cure this breach. 

To remedy this situation, I request that XXXX XXXX XXXX Team provide validation of the debt in question within ( XXXX business days ) from the date of this notice OR remove this account from my consumer report. This validation should include all relevant documentation and information pertaining to the debt, as required by the FDCPA. 
Failure to cure this default within the specified time frame may result in further action being taken to enforce my rights under the FDCPA, including seeking legal remedies available under the law. 
I trust that EQUIFAX SHALL treat this matter with the seriousness it deserves and take immediate steps to rectify the breach. Please acknowledge receipt of this notice and provide confirmation of your intentions to comply with my request for debt validation. 
Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bonneville Billing and Collections
State: UT

Complaint narrative:
I contacted Bonneville Collections on XX/XX/2024. I spoke with a very rude man. Who was pushy and brought up debts that are not mine but my ex husbands. Who I have not been married to in almost XXXX  years. I explained to him that I was not even aware of this account until I looked at my credit report. The account comes from a hospital visit. I had a XXXX XXXX done and was in very horrible shape after being XXXX XXXX The hospital was given my insurance information and charged the insurance for everything except the physicians fees. I have never received anything in the mail about this debt. I have even done a address forwarding paper through my local post office. Now that this is very old, I am not sure the insurance will pay this. So I asked if they were even able to offer a less payment. The guy said well how much can you pay. I said I am not sure I don't make a lot of money. He proceeded to tell me how he could not give me an amount until I told him XXXX. That is ridiculous. I have talked to many other debt collectors. This guy was by far the rudest I have ever come across. It is illegal to bring up debts owed by someone you have been divorced from for almost a XXXX. He also brought up debts from a previous bankruptcy I had taken out. Which is very illegal as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I did not provide authorization or instructions for the incorporation of these transactions into my consumer report. As a result, I formally request the blocking and elimination of these accounts. I want to emphasize that this request is devoid of any errors or misrepresentation of pertinent facts.

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 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX. XXXX || DATE : XX/XX/2023 XXXX. XXXX || DATE : XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: OH

Complaint narrative:
I believe I talked to someone about this couple months ago. They refused to tell me details, said I owed it and then hung up on me. Those actions are violation of my right within the FDCPA and consumer right laws. Cease & Desist communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: IL

Complaint narrative:
I did not provide authorization or instructions for the incorporation of these transactions into my consumer report. As a result, I formally request the blocking and elimination of these accounts. I want to emphasize that this request is devoid of any errors or misrepresentation of pertinent facts.

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 2024-03-06 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: AL

Complaint narrative:
I am the Beneficiary and Surety with equitable interest in the XXXX XXXX XXXX XXXX consumer report that is being illegally and unlawfully furnished by XXXX, XXXX and EXPERIAN ( " CRAs '' ). Thirty days ago, we contacted the CRAs requesting a copy of the written instructions authorizing them to furnish this consumer report as well as a copy of the full credit file disclosing sources from which this information was procured. The CRA 's failed to provide us with this information and continue to report private information without the express written authorization of the Surety. The actions and / or inactions of the CRAs have caused serious harm and this is our NOTICE OF INTENT TO SUE to seek equitable remedy for our injury.

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 2024-03-06 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: OH

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

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 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: OH

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

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
The debt is a charged off and it been written off and the company never send me a 1099 ( c ) and still keep it on my report to punish 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 explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX XXXXXXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : 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 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 explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: LEXISNEXIS
State: FL

Complaint narrative:
There is two files under my personal information with LexisNexis Risk Solution consumer report. 

One file is under my social security number but it's missing lot of identification information, including driver license records, identification records, insurance records. 

The other file is listed under my passport number associated as a social security number, including all my identification records, and DMV records. ( all information is correct, except for the passport number as a SSN ) Since my consumer report with my social security number is not showing identification records, it is creating verification issues with banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: TN

Complaint narrative:
I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Selene Holdings LLC
State: TX

Complaint narrative:
My complaint is 1. Notice of Error & Request for Information Certificate and mailed sent to Selene Finance XX/XX/2022 refuses to answer request, I've been trying to get information for over two ( 2 ) years 2. Attempted to due an Non-judicial foreclosure sale without answering Validation of Debt/proof of Claims and all other information that was requested 3. Did not inform me that the Debt that they are attempting to collect is time-barred Debt pass Texas 4 yr statue of limitations and the 6yr Federal statue of limitations to 4. Placed and recorded incorrect assignments on land records attaching itself to a judgement order 5. Attempted to foreclose on Servicing rights only with no evidence of transfer of the Debt 6. Standing in position of Holder in due cause on accelerated defaulted debt, time barred for more than 9 yrs according to the Transferred and or assigned.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: GA

Complaint narrative:
I am not linked to these creditors and did not initiate these inquiries. Please proceed to remove them from my credit report promptly.

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 2024-03-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I've been able to see my tax documents online for each year, but for some reason 2023 I was unable to see my XXXX for roughly {$500.00} in interest. I didn't originally get my return as it was put in the wrong mailbox ( not WF fault ). 

However, I've spend about XXXX hrs trying to change addresses on my profile for WF and meeting with their team to get this sorted out. Their most recent reply is that they don't intend on fixing the problem. 

This is likely an XXXX issue of not allowing access to pertinent documents and not fixing the problem, especially after XXXX calls and XXXX visits to the branch, totaling XXXX of time. 

You can pull calls from my phone number to review the 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 2024-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ORG GC GP BUYER, LLC
State: MI

Complaint narrative:
GC Services LP/ Michigan Department of Treasury Collection Services Bureau . Has repeatedly abused their power regarding " alleged '' taxes I owe. I verified my residency via my tax preparer at XXXX XXXX XXXX XXXX XXXX XXXXXXXX in the XXXX XXXXXXXX office to be exact. She put my residence code on my amended tax form which is XXXX XXXX XXXX Mi. and GC Services XXXX after submitting all the appropriate documents ( tax forms, drivers license, utility bill, GC services threw the XXXX Office of Tax Compliancy refuses to acknowledge the fact that they are wrong. 
They have went so far as to try and manipulate the courts in the State of Michigan to try and issue a garnishment contacting my employer which is XXXX the payroll department in XXXX, Wash that wasn't upheld in court because.GC Services LP tried to cajole me to admit that I live in the city of XXXX which I clearly don't I live in XXXX XXXX Michigan. GC Services LP is bullying me to try and make me pay money that I don't owe and they have all the necessary documents that I submitted 3 times prior. They have clearly broken the law in the State of Michigan attempting to issue a LEVY based on false information the names of the person 's on the false LEVY are XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. I have also been in touch with the Michigan Attorney Generals Office Headed by XXXX XXXX, I have strong evidence to know that GC Services LP broke the law on behalf of the Michigan Department of Treasury. I personally can submit all the documents submitted to GC Services LP the City of XXXX Tax Compliancy Office and anything else I need to clear my name this experience has caused stress and unnecessary worry in my life and I want to to stop. 
I'm filing complaints also with the Michigan Attorney Generals Office GC Services LP has crossed the line into criminality.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
My wallet was stolen years ago and I had no acknowledge about this debt, I have never lived in XXXX XXXX XXXX XXXX. I want this off my credit report, prove it's my debt

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Prepaid card — Government benefit card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
XX/XX/year> initiated external deposit from XXXX XXXX XXXX. From serve Amex to XXXX Trial deposits sent supposedly XX/XX/year> Called XXXX  ( no trial deposits received ) Called serve serve said they dont do external transfers ( the reason I got the card is I was told I could ) ( Calls on recording ) Serve says the only way I can transfer is from serve to serve or pull out money from atm or use what is called XXXX XXXX ( all which cost a fee ) They lied so people would get their taxes on their card knowing it would cost a pretty XXXX to get them off the served card Their supervisor hung up every chance they got

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I bought a car from US auto. In XXXX of XXXX pointing in in XXXX, they apparently went out of business and sold all contracts to under the XXXX when I was contacted by Westlake inc. The amount of the balance that they told me that I owe was the amount that I paid for the car so I reqtest it a copy of the original contract. The car was a XXXX XXXX XXXX, which cost me {$12000.00} and. At the two and a half years, they're saying that I still owe that amount on the car even though they have repossessed the car Period I was never contapped it by USA auto 's telling me that they were selling my loan to another company. And the company that they sell the account to XXXX XXXX. When they contact me, they were telling me that I still. Oh, almost {$13000.00} for this car that I have been paying out for. The last two and a half years which my I should have only had XXXX XXXX dollars left on the car

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ACIMA CREDIT, LLC
State: VA

Complaint narrative:
I have been disputing this account for almost a year. I continue to ask for proof to validate the account but have not received it. Taking a look at the account on my credit it is showing my last payment as XX/XX/2019, however my two year payment history shows the account being Charged off in XX/XX/XXXX ', XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX. The account also shows I was 60 days late in XXXX as well as 60 days late in XXXX, how is this possible? This is clearly a violation of my rights according to the FRCA and I demand this be investigated immediately and provide me written proof of each violation currently showing on my credit. I have attached a copy

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I sent XXXX XXXX, XXXX, XXXX and Transunion documents stating that I am a victim of identity thief. Transunion, XXXX and XXXX all removed XXXX XXXX account the reinserted it after the dispute was completed. I Call them all and the said this XXXX XXXX account can't be removed or re-disputed. I sent them all a copy cover letter, ID, SSN, utilty bill, police report notarized. XXXX XXXXXXXX Acct # XXXX Bal {$2100.00} date opened XXXX closed 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 2024-03-06 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: PA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief