vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-28 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Onity Group Inc. is reporting a derogatory account to the Credit Reporting Agencies ( XXXX and XXXX ) without my knowledge of any relationship with their company.

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 2024-08-28 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: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
to whom it may concern, I am writing to dispute certain inaccurate information appearing on my credit report maintained by your bureau. Upon viewing my credit report, I noticed discrepancies in the account section, which I believe is inaccurate. Below are the accounts that need to be reviewed and potentially removed or corrected from my credit report. Midland Credit Management, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, I certify that the information provided above is accurate to the best of my knowledge. I understand the importance of ensuring the accuracy of my credit report, as it impacts my financial standing and ability to access credit. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. I am requesting that you investigate the discrepancies mentioned above promptly remove or correct any inaccurate information from my credit report. Enclosed with this letter are copies of documents that verify my correct personal information, including a government-issued identification card and any other supporting documents. By the provisions of the Fair Credit Report Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to any one who received my credit report in the past 6 months. Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 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: PA

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to 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
Consumer complaint received 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to demand the immediate blocking and removal of fraudulent information from my credit report. My social security number has been compromised as a result of identity theft and a data breach. Attached to this letter is the FTC Identity Theft Report I filed. You are legally obligated to block and remove the fraudulent information from my credit report within four business days of receiving this complaint, as mandated by 15 USC 1681c-2 ( c ) ( a ). The following items are disputed and must be addressed immediately : XXXX XXXX XXXX  It is disheartening to note that the data in question has not undergone the necessary certification process to conform to established reporting standards. Consequently, the inclusion of this data does not provide any assurance of its accuracy, currency, or comprehensiveness. Additionally, it is crucial to acknowledge that this information may be deficient, obsolete, or lacking adequate support. In light of these concerns, I earnestly request the removal of any erroneous or unsupported material from this page. 

XXXX XXXX XXXX It is imperative to acknowledge that this information might be deemed incomplete, outdated, or unsupported. Thus, we kindly request the removal of any erroneous or unsupported content from this page. Your prompt attention to this matter would be greatly appreciated. 

XXXX XXXX XXXX XXXX  I believe that this item may have been reported unfairly, without proper certification, or even unlawfully. Specifically, I demand that the allegation of late payments associated with this item be deleted immediately, as required by law. 

XXXX XXXX XXXX XXXX  I believe that this item may have been reported unfairly, without proper certification, or even unlawfully. Specifically, I demand that the allegation of late payments associated with this item be deleted immediately, as required by law. 

I did not initiate any of these inquiries. If you believe otherwise, provide me with copies of my written consent. The following items must be removed from my consumer report immediately under 15 U.S. Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) : XXXX XXXX  Unauthorized hard pull, where did you get this misleading information? This is unfair! DELETE! 

XXXX XXXX XXXXXX/XX/year> Unauthorized hard pull, where did you get this misleading information? This is unfair! DELETE! 

XXXX XXXX XXXX  Unauthorized hard pull, where did you get this misleading information? This is unfair! DELETE!

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 2024-08-28 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: CA

Complaint narrative:
To Whom It May Concern, I am writing to demand the immediate blocking and removal of fraudulent information from my credit report. My social security number has been compromised as a result of identity theft and a data breach. Attached to this letter is the FTC Identity Theft Report I filed. You are legally obligated to block and remove the fraudulent information from my credit report within four business days of receiving this complaint, as mandated by 15 USC 1681c-2 ( c ) ( a ). The following items are disputed and must be addressed immediately : XXXX XXXX XXXX It is disheartening to note that the data in question has not undergone the necessary certification process to conform to established reporting standards. Consequently, the inclusion of this data does not provide any assurance of its accuracy, currency, or comprehensiveness. Additionally, it is crucial to acknowledge that this information may be deficient, obsolete, or lacking adequate support. In light of these concerns, I earnestly request the removal of any erroneous or unsupported material from this page. 

XXXX - XXXX It is imperative to acknowledge that this information might be deemed incomplete, outdated, or unsupported. Thus, we kindly request the removal of any erroneous or unsupported content from this page. Your prompt attention to this matter would be greatly appreciated. 

XXXX XXXX XXXX XXXX  I believe that this item may have been reported unfairly, without proper certification, or even unlawfully. Specifically, I demand that the allegation of late payments associated with this item be deleted immediately, as required by law. 

XXXX XXXX XXXX XXXX  I believe that this item may have been reported unfairly, without proper certification, or even unlawfully. Specifically, I demand that the allegation of late payments associated with this item be deleted immediately, as required by law. 

I did not initiate any of these inquiries. If you believe otherwise, provide me with copies of my written consent. The following items must be removed from my consumer report immediately under 15 U.S. Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) : XXXX XX/XX/year> Unauthorized hard pull, where did you get this misleading information? This is unfair! DELETE! 

XXXX XXXX XXXXXX/XX/year> Unauthorized hard pull, where did you get this misleading information? This is unfair! DELETE! 

XXXX XXXX XXXXXX/XX/year> Unauthorized hard pull, where did you get this misleading information? This is unfair! DELETE!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Ally Financial Debt Validation Request Account Number : XXXX I am writing to verify some information I have discovered on my consumer report that is violating my rights. I am requesting that you provide me with proper documentation to validate this debt in accordance with the Fair Credit Reporting Act ( FCRA ). 
Under 15 USC 1681, Section 602, I have the right to privacy. In accordance with my rights under these laws, I request that you cease and desist all collection activities related to this debt and remove it from my credit report within 14 days of receiving this letter. Should you fail to comply, I will initiate debt validation methods.

For my debt validation methods these are the things I would require from you. I would require the following information : To validate this debt, I require the following information : 1. Proof of Agreement : Provide a copy of the original contract or agreement with my signature indicating that I agreed to this debt.

2. Bonding Insurance : Provide evidence of the bonding insurance you have as a collector ; in case I choose to pursue further legal action.

3. Chain of Title : Provide documentation showing the chain of title for this debt from the original creditor to the current collection agency.

4. Debt Details : Provide the date and the amount of money that I officially became in collection with your company.

Until you provide all of the above information, this debt remains an alleged debt, and I do not acknowledge any responsibility for it. I expect your prompt and complete response within 14 days.

Failure to provide the requested information will leave me no choice but to pursue all available legal remedies under the Fair Credit Reporting Act, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal counsel. 

Thank you for your immediate attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
After reviewing my consumer report I've noticed that this company is reporting a collection account stating that I owe them an alleged debt. Not only are they reporting this account to my credit unlawfully, but they're calling me nonstop throughout the day at unusual hours. I contacted the credit bureaus that has this debt reporting and asked them to not only investigate this account but remove it if it can not be properly verified. How can I owe a debt if there was never an agreement nor contract between me and the creditor reporting this account? I asked this creditor to cease all communications with me unless they can properly provide me all of the documentation asked in my letter. included in my complaint is a copy of my letter to the creditor and a copy of my consumer report with the unlawfully reporting account. 

Violations committed by the creditor : 15 U.S. Code 1692g - Validation of debts 15 U.S. Code 1692c - Communication in connection with debt collection 15 U.S. Code 1692e - False or misleading representations

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 2024-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I filed one claim on XX/XX/XXXX for transactions made totaling {$1300.00} within the XXXX  day window. It was immediately denied and not paid saying it was my fault. The transactions continues and in XX/XX/XXXX i filed another claim within my XXXX  days for {$2400.00}. It was also denied very quickly. The sent a XXXX card out. I was advised that Bank of America didnt actually send me a different card the time prior. I received no calls or alerts to the transactions even though I was signed up for alerts. They stated they denied the second claim because they called but left no voicemail. I have no records of that. The denial was stated that I made the transactions or authorized someone else to make them. Thats it. I have the letters. I was told I could fax proof, which I did twice. But was given wrong fax numbers each time. I was then told they were all chip transactions so it was denied. This is blatantly false. Some of these transactions were made hundreds of miles from me. Or obviously not my doing. Many not chip transactions as stated, and I have proof. I was threatened with being pursued for lying. I asked for reviews again and again and each time denied within XXXX days. 
I contacted as many merchants as I could. I was able to receive two refunds about {$700.00} worth and received verification via email that they were in fact fraudulent. Even still, i was told I made the transactions. The merchants also told me no financial institution attempted to make contact. BOA has lied time and again to me. Criminalizing my actions and belittling me. 
These same transactions were made on my XXXX banks card and XXXX bank cards. Each investigated and refunded the money and settled the claim as not my fault. I shared this with BOA via fax but have been told it was not received. Also, I talked to an investigator and was told that they might have copied my chip information by shimming but to date there has been no proof of fraud. THAT IS FRAUD. I was denied again and the case ages been closed. This has caused me much financial stress.

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 2024-08-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to verify some information I have discovered on my consumer report that is violating my rights. I am requesting that you provide me with proper documentation to validate this debt in accordance with the Fair Credit Reporting Act ( FCRA ). 
Under 15 USC 1681, Section 602, I have the right to privacy. In accordance with my rights under these laws, I request that you cease and desist all collection activities related to this debt and remove it from my credit report within XXXX  days of receiving this letter. Should you fail to comply, I will initiate debt validation methods. 
For my debt validation methods these are the things I would require from you. I would require the following information : 1. Proof of Agreement : Provide a copy of the original contract or agreement with my signature indicating that I agreed to this debt. 
2. Bonding Insurance : Provide evidence of the bonding insurance you have as a collector, in case I choose to pursue further legal action. 
3. Chain of Title : Provide documentation showing the chain of title for this debt from the original creditor to the current collection agency. 
4. Debt Details : Provide the date and the amount of money that I officially became in collection with your company. 
Until you provide all of the above information, this debt remains an alleged debt, and I do not acknowledge any responsibility for it. I expect your prompt and complete response within 14 days. 
Failure to provide the requested information will leave me no choice but to pursue all available legal remedies under the Fair Credit Reporting Act, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal counsel. 

Note***I received the Proof of Agreement and the Debt Details, but I did not receive the Bonding Insurance or the Chain of Title. Additionally, I noticed on my credit report that it shows a voluntary surrender, which I did not initiate. The vehicle was repossessed while I was making payments and was taken from the repair shop without my consent. '' I called numerous times to get this handled but no response. 

Thank you for your immediate attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"

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 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
experian has not updated my credit score since XX/XX/24 stating that lenders may have different personal info for me than they do

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 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and XXXX asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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