vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-20 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: IL

Complaint narrative:
I sent the letter certified mail to XXXX XXXX XXXX. The company responded instructing me not to send any more fraudulent documentation, as if they werent interested in resolving my complaint. Pursuant to the fair credit reporting back section 623 subsection ( 8 ) ( D ) The specific information is derogatory in nature. XXXX auto account XXXX. XXXX finance was required to notify me prior to or no later than 30 days after furnishing negative information to this consumer reporting agencies in writing that such furnishing of information was going to take place. This notification is required under the FCRA section 623 subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation they complied with this requirement. Therefore the continued reporting of negative information to the Credit agencies and connection with the above mentioned account may constitute furnishing a false information with malice, intent to injury 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 non-monetary relief
Consumer complaint received 2025-02-20 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: IL

Complaint narrative:
I sent the letter certified mail to XXXX XXXX XXXX. The company responded instructing me not to send any more fraudulent documentation, as if they werent interested in resolving my complaint. Pursuant to the fair credit reporting back section 623 subsection ( 8 ) ( D ) The specific information is derogatory in nature. XXXX auto account XXXX. XXXX finance was required to notify me prior to or no later than 30 days after furnishing negative information to this consumer reporting agencies in writing that such furnishing of information was going to take place. This notification is required under the FCRA section 623 subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation they complied with this requirement. Therefore the continued reporting of negative information to the Credit agencies and connection with the above mentioned account may constitute furnishing a false information with malice, intent to injury 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 2025-02-20 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Allied Collection Services, Inc. (Nevada)
State: NV

Complaint narrative:
We received a call from XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) XXXX on XX/XX/XXXX about a claim from our XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ) ( XXXX ) XXXX. XXXX at XXXX XXXX  said he received the claim on XX/XX/XXXX. We moved out XX/XX/XXXX. I asked for a statement about this account, but did not get one. I called XXXX on XX/XX/XXXX, he said the statement was mailed on XX/XX/XXXX. XXXX said to call back next week, so I called on XX/XX/XXXX then he said call back on the XX/XX/XXXX. I call back on the XXXX and XXXX said that his system showed that it hasn't reached my address yet. I asked to speak to a manager and was told he was on break and would call back. He did not. I called XX/XX/XXXX and was told XXXX and the manager were on break and would call me back, however and half hour later I have not received a call yet. They will not send me a statement or return calls about this debt. 
On XX/XX/XXXX, XXXX did give me an account number of # XXXX and the amount was {$380.00}. I don't have documents to download since I received nothing from ant of these companies. Thank you in advance for your help 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
Consumer complaint received 2025-02-20 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I asked Equifax to report my correct address and they were unable to do so. 
And because of their inability to update my address, it is hindering my ability to obtain a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: IL

Complaint narrative:
According to the Consumer Financial Protection Bureau ( CFPB ), Equifax has a history of failing to investigate consumer disputes properly, even leading to legal action for non-compliance with the Fair Credit Reporting Act ( FCRA ). 

Federal law ( 15 U.S.C. 1681i ) requires Equifax to conduct a thorough reinvestigation of disputed items within 30 days. Any inaccurate, incomplete, or unverifiable information must be removed. 

I am disputing the following items that should have already been resolved : XXXX XXXX  - XXXX - {$14000.00} XXXX XXXX  - XXXX - {$0.00} I have provided supporting documentation multiple times, yet these errors remain. This failure to act is causing ongoing financial harm. I expect a proper investigation and resolution immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC
State: OK

Complaint narrative:
Hello, I received a text from XXXX today to review a debt. They sent me a link so I clicked on it. I had to enter my last XXXX digits of my SSN and zip code ( which was incorrect zip code from which they had listed for me ) and then enter to review. Even though I supposedly entered the wrong zip code, it will let me in. Once I was into the account, there was no where to dispute this medical bill. It was a XXXX $ medical bill from 2018 and way past the statute of limitations. I assume they tricked me into looking in order to try and restart the clock. I have never heard from this company before or have ever gotten written notice from them or any way to dispute. They purposely, intentionally, and negligently exposed me to old debt that is outside the statute of limitations which is against the FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc.
State: NY

Complaint narrative:
I RECEIVED A NOTICE FROM UNIFIN INC STATING I OWE A DEBT TO XXXX FUNDING WHEN I OWE NOTHING TO ANYONE. XXXX FUNDING IS CLAIMING THAT THEY BOUGHT MY DEBT FROM SOMEONE ELSE BUT HAS NOT BEEN ABLE TO PROVE TO ME THAT THEY LEGALLY OWN MY SO-CALLED DEBT. WHO OWNS THIS DEBT?? THESE COMPANIES ARE ATTEMPTING TO GET MONEY FROM ME BUT NO ONE IS LEGALLY PROVING TO ME THIS DEBT IS MINE. THIS IS WRONG AND CAN NOT BE LEGAL!!!! UNIFIN INC NEEDS TO IMMEDIATELY PROVE TO ME THAT THEY ARE LEGALLY ABLE TO COLLECT THIS DEBT. ACCORDING TO 15 U.S CODE 1692G, I AM IMMEDIATELY REQUESTING 1 ) A COPY OF THE ORIGINAL CONTRACT BEARING MY SIGNATURE THAT I SIGNED FOR THIS DEBT. 2 ) A DETAILED LIST OF MY HISTORY OF PAYMENTS 3 ) PLEASE PROVIDE ME WITH THE NAME AND THE ADDRESS OF THE ORIGINAL CREDITOR. I ALSO WANT TO SEE IF THERE HAS BEEN ANY INSURANCE CLAIM FILLED ON THIS DEBT. 4 ) PLEASE PROVIDE ME THE PURCHASE AGREEMENT!! I WANT PROOF YOU OWN MY DEBT AND HAVE BEEN ASSIGNED MY DEBT TO COLLECT. SHOW ME THE CHAIN OF TITLE!! 5 ) PLEASE PROVIDE ANY JUDGEMENTS OBTAINED AND 6 ) PROOF THAT THE STATUTE OF LIMITATIONS HAS NOT EXPIRED YET. I HAVE REACHED OUT TO RESURGENT/ XXXX XXXX XXXX AND REQUESTED A DEBT VALIDATION BUT WAS ONLY SENT AN ACCOUNT SUMMARY WHICH DOES NOT PROVE THIS DEBT IS MINE. THIS IS RIDICULOUS AND I AM NOT OKAY WITH YOU COMPANIES HARASSING ME WHEN NO ONE HAS BEEN ABLE TO VALIDATE THIS DEBT. I AM IMMEDIATELY REQUESTING AN INVESTIGATION!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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:
This is purely identity theft. I do not recognize this account. It is damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX Account number : XXXX REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights!

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

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

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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: IA

Complaint narrative:
I am filing this FTC affidavit to report some fraudulent accounts appearing on my consumer FICO credit report which i don't recognize as reported and which are results of identity theft and fraudulent. These fraudulent accounts consist of the following XXXX  XXXX {$8800.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX {$0.00} XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX {$100.00} XXXX XXXX {$630.00} XXXX XXXX  {$900.00} XXXX XXXX {$150.00} XXXXXXXX XXXX {$850.00} XXXX XXXX {$910.00} XXXX {$310.00} XXXX {$0.00} XXXXXXXX XXXX {$0.00} XXXX  {$25.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have contacted all three credit buerues and they have neglected to provide a resolution to taking down that account that is not mine and was open fraudulently and have neglected to contact me on behalf of those regards and I am suffering greatly due to there negligence and I am unable to use my credit to my aid any longer

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 2025-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/XXXX, I applied for a Bank of America XXXX  credit card under my name alone and was approved. After receiving the credit card and activating it, I attempted to use it and the transaction was declined, I called the number on the back and they stated that it is good to go, I attempted to use the credit card again and it was declined again. I called them up again, and they apologized for the inconvenience but assured me the credit card is ready for use. I attempted to use it again and was declined again. 

I want to disclose that I hold a legal permanent resident card from the XXXX. I am an employed XXXX XXXX and made more than {$200000.00} the past year, XXXX. My husband also applied for the same credit card under his name alone and it was also approved. He is XXXX, born and raised, US citizen he only receives less than {$1000.00} in social security and was approved the same amount as I did, {$13000.00}. He does not have any declined transaction with his credit card, but with mine I have never had the opportunity to use the card a single time because every time I use it, the transaction gets declined.

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 2025-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Recently Wells Fargo my card had been lost. I write my pins on sticky notes because I have XXXX XXXX. So somebody stole my card and use it when I lost my wallet.

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 2025-02-20 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: SECURITY FINANCE CORP
State: NV

Complaint narrative:
I did not give permission for my information to be passed around, fraud! I want them to stop reporting negative items on my account. These accounts are closed and written off. Using code 15 U.S.C 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: Servicer under contract with Federal Student Aid
State: NV

Complaint narrative:
I did not give permission for my information to be passed around, fraud! I want them to stop reporting negative items on my account. These accounts are closed and written off. Using code 15 U.S.C 1681

Company response to consumer: Untimely response
Consumer complaint received 2025-02-20 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! XXXX XXXX XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: IL

Complaint narrative:
Im frustrated by the inaccuracies on my report that are unfairly hurting my scores and costing me opportunities. These errors have led to rejections, higher rates, and setbacks I dont deserve. Its beyond frustrating to be held back by mistakes that shouldnt be 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 explanation
Consumer complaint received 2025-02-20 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: MA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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: AZ

Complaint narrative:
These credit reporting agencies are inaccurately reporting charged-off accounts while showing a balance that is due.

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 2025-02-20 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: AZ

Complaint narrative:
These credit reporting agencies are inaccurately reporting charged-off accounts while showing a balance that is due.

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 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have disputed the collection/reposession several times with XXXX and the credit agencies. First upon car being redeemed which cost over XXXX the car was damaged by the local company that picked up the reposession. Engine was damaged and yet XXXX  covered up the mechanical issues and sold it at auction which is illegal. Second XXXX has been reporting this on my credit as an installment loan. It was listed as a cash sale on my sales paperwork from the dealership. It is illegal to report in accurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Today XXXX XXXX XXXX XXXX XXXX  a phone call came in three different times supposedly from Chase Bank ( XXXX XXXX XXXX XXXX XXXX XXXX  stating that I opened a credit card and they stated my zip code and the last four digits of my Social Security number. They stated that a purchase has been made for XXXX XXXX  ; they further stated that I just opened this account. 

I stated that I do not have a Chase Bank credit card. They wanted to transfer me their fraud department. I did not take their advice and instead am making a fraud claim. 

What do I do now?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections XXXX ( XXXX XXXX XXXX ), XXXX ( XXXX XXXX. XXXX ), and XXXX ( XXXX XXXX. XXXX ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXXXXXX XXXX XXXXXXXX XX/XX/year> TransUnion Basis for Dispute Section XXXX ( XXXX XXXX  XXXX ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section XXXX ( XXXX XXXX. XXXX ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section XXXX ( XXXX XXXX. XXXX ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

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