vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-26 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 XX/XX/XXXX XXXX, XXXX XXXX XXXX Mortgage Companies - Finance XX/XX/XXXX XXXX, XXXX XXXX Credit Bureaus/Mortgage Processing XX/XX/XXXX TransUnion, XXXX - XX/XX/XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX Personal Loan Companies XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX Mortgage Companies - Finance XX/XX/XXXX TransUnion 15 U.S.C, 1681section 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 an 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 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 2024-09-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: MOHELA
State: VA

Complaint narrative:
I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ). I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignment of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute that validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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: NY

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 non-monetary relief
Consumer complaint received 2024-09-26 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: GA

Complaint narrative:
I rencently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I am writing to dispute a charge of {$340.00} to my account that were due to incorrect charges.

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 2024-09-26 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: FL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-09-26 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: IL

Complaint narrative:
I respectfully urge you to promptly take decisive action to remove the fraudulent accounts from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-26 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:
Upon closely analyzing my recent credit report, I identified several accounts that I think are inaccurate and were included without my approval.

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 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
To Whom It May Concern : I am writing to formally file a complaint regarding my Ulta credit account, which I believe involves predatory practices that have unfairly damaged my credit.

In 2023, I paid off my Ulta account in full. Despite this, I began receiving random fees on my account, which continued to accumulate without clear explanation or justification. These fees snowballed into a growing balance, which has negatively impacted my credit score. This situation is particularly frustrating as I have never been late on paying any balance owed on this account. 
In addition, I have been actively disputing the inaccuracies of these derogatory late payments with all three major credit bureaus. Despite exercising my rights under the Fair Credit Reporting Act ( FCRA ), the company continues to illegally verify the information, even though it is clearly inaccurate. As a consumer, I expect timely, accurate, and fair credit reporting to be practiced by all creditors, which has not been the case in this situation. 
I consider this practice to be both predatory and a violation of my consumer rights. These unjust fees were assessed after my balance was paid off, and the continued reporting of inaccurate information is further compounding the damage to my credit profile. 
As such, I am requesting the removal of any negative payment information reported to the credit bureaus as a result of this situation. Since I have never been late on any payment, I believe this is the appropriate course of action. 
I respectfully ask for a thorough investigation into this matter and appreciate your prompt attention to resolving this issue. Please do not hesitate to contact me if you need any additional information. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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: FL

Complaint narrative:
XXXX XXXX has placed a collection account on my personal credit report for a business account without my written authorization or a court ruling. This action violates 15 U.S. Code 1666 ( b ) and 15 U.S. Code 1692 ( a ) regarding abusive, deceptive, and unfair debt collection practices. Additionally, XXXX XXXX failed to credit the business account after accepting payment in the form of registered securities and negotiable instruments, which breaches their original contract and violates the XXXXcurities Exchange Act of 1934. XXXX XXXX states that the business account is closed, yet the business account still remains open and still has a credit line attached to it. XXXX XXXX 's actions violate the following laws : 15 U.S. Code 1666 ( b ) & ( d ) - The company failed to address billing errors properly and engaged in fraudulent billing practices. Billing Error Notices were sent in XX/XX/XXXX and XX/XX/XXXX, yet the business didnt receive a response. 15 U.S. Code 1692 ( a ) - They have committed abusive, deceptive, and unfair debt collection practices by definition. 15 U.S. Code 1681 ( Fair Credit Reporting Act ) - XXXX XXXX added adverse information to my consumer report without my written consent, violating my right to privacy and fair reporting. They are also in violation of compliance procedures for reporting inaccurate information. On multiple occasions ( XX/XX/XXXXXXXX XXXXXX/XX/XXXX and XX/XX/XXXXXXXX  ), XXXX XXXX accepted restricted endorsed negotiable instruments, payment vouchers, and registered securities but failed to credit the business account. This violates their role as a Security Transfer Agent under the Securities Exchange Act of 1934. The failure to credit these payments also breaches the Electronic Funds Transfer Act. I request the immediate removal of the XXXX XXXX collection account from my credit report as it is inaccurate and no contract was given. I also request an investigation into their unlawful and deceptive debt collection practices and appropriate penalties. Please find the attached supporting documentation regarding the payments and the dispute notices sent to XXXX XXXX. XXXX XXXX XXXXXXXX highlights the importance of providing accurate information by credit bureaus and what happens when a credit bureau fails to abide by applicable laws. Any change in contract made by XXXX XXXX is declined and not accepted.

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 2024-09-26 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: FL

Complaint narrative:
XXXX XXXX has placed a collection account on my personal credit report for a business account without my written authorization or a court ruling. This action violates 15 U.S. Code 1666 ( b ) and 15 U.S. Code 1692 ( a ) regarding abusive, deceptive, and unfair debt collection practices. Additionally, XXXX XXXX failed to credit the business account after accepting payment in the form of registered securities and negotiable instruments, which breaches their original contract and violates the Securities Exchange Act of 1934. XXXX XXXX states that the business account is closed, yet the business account still remains open and still has a credit line attached to it. XXXX XXXX 's actions violate the following laws : 15 U.S. Code 1666 ( b ) & ( d ) - The company failed to address billing errors properly and engaged in fraudulent billing practices. Billing Error Notices were sent in XX/XX/XXXXXXXX XXXX XXXX  and XX/XX/XXXX, yet the business didnt receive a response. 15 U.S. Code 1692 ( a ) - They have committed abusive, deceptive, and unfair debt collection practices by definition. 15 U.S. Code 1681 ( Fair Credit Reporting Act ) - XXXX XXXX added adverse information to my consumer report without my written consent, violating my right to privacy and fair reporting. They are also in violation of compliance procedures for reporting inaccurate information. On multiple occasions ( XX/XX/XXXXXXXX XXXXXX/XX/XXXX and XX/XX/XXXX ), XXXX XXXX accepted restricted endorsed negotiable instruments, payment vouchers, and registered securities but failed to credit the business account. This violates their role as a Security Transfer Agent under the Securities Exchange Act of 1934. The failure to credit these payments also breaches the Electronic Funds Transfer Act. I request the immediate removal of the XXXX XXXX collection account from my credit report as it is inaccurate and no contract was given. I also request an investigation into their unlawful and deceptive debt collection practices and appropriate penalties. Please find the attached supporting documentation regarding the payments and the dispute notices sent to XXXX XXXX. XXXX v Equifax highlights the importance of providing accurate information by credit bureaus and what happens when a credit bureau fails to abide by applicable laws. Any change in contract made by XXXX XXXX is declined and not accepted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-26 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: CONTRACT CALLERS INC
State: VA

Complaint narrative:
Yes, it was XXXX XXXX place in my name I explained the situation to the company which is a collection agency thats trying to resolve a over {$800.00} in my name so they request that I do a police report at the police station. They were supposed to send me the information through mail which recently I spoke to them and I have not yet receive anything, but is on my credit report and its not fair that I am going through this and is interrupting my credit report being approved and Im tired of keep going through this with the same company contract

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This company has violated my rights to privacy. I never gave them permissible purpose to furnish any report on me. According to law 15 USC 1681b, no permissible purpose is Identity theft and I have the right to block any information resulting in 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 2024-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc.
State: GA

Complaint narrative:
These erroneous entries have severely affected my credit standing, resulting in a significant drop in my XXXX score. Consequently, I am experiencing considerable financial distress, which has hindered my ability to obtain credit and manage my financial obligations effectively. 

Given the substantial impact this situation has had on my financial well-being, I urge you to treat this matter with the utmost urgency. I request that these inaccuracies be thoroughly investigated and that the erroneous items be blocked and removed from my credit report promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Med-1 Solutions, LLC
State: IN

Complaint narrative:
Med-1 Solutions have constantly sent me letters and called me in claiming to represent XXXX XXXX XXXX in effort to claim/collect a debt. Ive requested for them to validate this debt. Ive expressed to them that Ive given no permission for anything regarding my medical information/records to be shared ; their advances & pursuit violate the HIPPA. I expressed that I will be sharing this information and their negligent acts with the CFPB and may escalate it to the Office for Civil Rights and the Attorney General if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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: OneMain Finance Corporation
State: TX

Complaint narrative:
15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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 explanation
Consumer complaint received 2024-09-26 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 document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt-Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 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 human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted from TransUnion. Please delete the following accounts. XXXX. ) XXXX Formerly XXXX XXXX {$15000.00} XXXX. ) XXXX XXXX XXXX XXXX XXXX {$210.00} XXXX. ) XXXX XXXX XXXX XXXX XXXX {$110.00} XXXX. ) XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX. ) XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX. ) XXXX of XXXX XXXX XXXX {$22000.00} XXXX. ) XXXX XXXX XXXX XXXX {$210.00} XXXX. ) XXXX XXXX XXXX XXXX {$860.00} XXXX. ) XXXX XXXX XXXX {$750.00}

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 non-monetary relief
Consumer complaint received 2024-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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