vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-03 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: GA

Complaint narrative:
XXXX XXXX XXXX of Birth : XX/XX/XXXX Current and Only Address : XXXX XXXX XXXX XXXX XXXX, Unit XXXX XXXX, GA XXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau ( CFPB ) Dear Sir/Madam, I, XXXX XXXX XXXX XXXX : XXXX ), am formally submitting this letter to dispute the account below as it does not belong to me. I have no knowledge of this debt, and I did not authorize this account to be reported on my credit report. 

Despite multiple previous attempts to resolve this matter, I have yet to receive any communication or validation of this account from the credit reporting agencies or the collection agency in question. Therefore, I am demanding immediate deletion of this inaccurate account from my credit report. 

Account Information : Creditor : XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX Account Number : XXXX Account Type : Collection Balance : {$1100.00} Date Opened : XX/XX/XXXX Date Last Reported : XX/XX/XXXX Payment Status : Collection/Chargeoff I am requesting a full validation of this account under the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( 15 U.S.C. 1692g ), which requires you to provide me with validation of this debt within 30 days. If you can not provide valid proof, this account must be permanently deleted from my credit report. 

Additionally, under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ), I am demanding that this account be thoroughly investigated. Since I do not have any debt with the original creditor, XXXX XXXX, the presence of this account is a clear violation of my rights under the FCRA, which protects consumers against the reporting of inaccurate or unverifiable information. 

Please confirm receipt of this letter and provide documentation proving the existence and ownership of this debt. If no valid proof is provided, the law mandates the immediate removal of this account from my credit reports with all credit bureaus. 

Sincerely, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I've been trying to fix my credit reporting since last year by sending legal documents to the credit bureau and yet they keep on invalidating my claim and even invalidating what the FTC instruction was telling me to do. I know my right to have an accurate reporting in compliance to FCRA. There are fraudulent accounts in my profile that i want to remove as soon as possible. it's been months fighting for my right. Kindly remove the following as soon as possible. 

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 2024-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-10-03 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: NY

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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 informationisinaccurate.

Please remove these Inquiries from my credit report. 
These inquiriesarelisted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-10-03 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: AL

Complaint narrative:
Around XX/XX/XXXX of XXXX, I received a letter regarding an attempt to collect a debt from a XXXX XXXX  credit card from a Loan Management company called Midland Credit Management Inc regarding said credit card amount, the problem is is that I have never had a XXXX XXXX  Credit Card, and according to the paperwork from the law firm involved. I attempted to get in contact with the law firm in question- within the time that hey had requested - I had a lawsuit filed against me. They did in fact send me information regarding the credit card- after notifying me of the law suit therefore after the first notification about the attempt to collect, and in that said packet they did provide a date in which the account was open which was XXXX of XXXX ; I was XXXX XXXX XXXX in XXXX, I do not believe that XXXX XXXX would knowingly allow a XXXX to have a credit card. I also did not possess a XXXX XXXX until around the year XXXX ( Thanks to student loans )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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 USC Code 1681eb. 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. 15 USC 1666b 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!

15 USC 1666b ( 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XX/XX/year> I entered Wells Fargo Bank at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX. 
I spoke with a bank representative to get my deceased husband 's banking information so I can pay his bills, see who has direct withdrawal, etc. I brought a copy of the death certificate, his form naming me as beneficiary and my ID. 

The only thing they did was lock his accounts. I can't even see his balances on his ATM. 

This is about as cold hearted as a company can get. I can't even pay his bills.

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 2024-10-03 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: 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 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 2024-10-03 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: EQUIFAX, INC.
State: OH

Complaint narrative:
These inquiries were not authorized by me, and I did not communicate with this under the specified date

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: NY

Complaint narrative:
Discover is reporting 2 late payments one in XXXX the other in XXXX. I reached out several times for this matter to be corrected and also asked for proof of the two cycle delinquency and havent received nothing. Payments where made within the timely manner and didnt exceed the reporting mark.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: KY

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through XXXX mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-10-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: F.H. Cann & Associates, Inc.
State: MA

Complaint narrative:
This debt collection agency has been calling family members multiple times a day, every day for a loan that was fraudulent opened. They have failed to prove the loan belongs to me. They are breaking the law with their constant calling of individuals that arent me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: MD

Complaint narrative:
I was reviewing my credit report and noticed hard inquiries that do not belong to me. 

XXXX XXXX XXXX Date of inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX Date of inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX inquiry : XXXX. XXXX, XXXX XXXX Date of inquiry : XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 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: CA

Complaint narrative:
This is infuriating it's stressing me out, my requests to correct and remove false and inaccurate information on my credit report keeps getting denied and disregarded. As a consumer, I know I have rights and that very right is being violated with what you are reporting on my credit that are not the maximum possible accuracy and is erroneous, which have been already deleted by both XXXX and XXXX. It's hurting my credit score and impacting my life negatively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 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:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX SSN ( last XXXX ) : XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute and Request for Immediate Deletion and Validation of Account : XXXXXXXX XXXX XXXXXXXX Dear CFPB, I am writing to formally dispute the following account listed on my credit report from Experian. This account does not belong to me, and I am demanding its immediate removal from my credit report. I have repeatedly disputed this account with no response or validation from the credit bureaus, and I request your intervention to rectify this situation promptly. 

Disputed Account Information : Account Name : XXXXXXXX XXXX  XXXX Account Number : XXXX Credit Bureaus Involved : Experian Date Opened : XX/XX/XXXX Current Status : Collection/Chargeoff Balance : {$XXXX} Comments : First payment never received. Unpaid balance reported as a loss by the credit grantor. 
I assert that this account is not mine, and it has been reported in error. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) to demand immediate validation of this account, or its deletion if validation can not be provided.

The following laws support my dispute : FCRA Section 611 ( 15 U.S.C. 1681i ) : I have the right to dispute inaccurate information and have it corrected or removed if it can not be verified.

FCRA Section 609 ( 15 U.S.C. 1681g ) : This section gives me the right to request any and all documentation related to the account to verify its accuracy.

FDCPA Section 809 ( 15 U.S.C. 1692g ) : Debt collectors must provide validation of a debt when requested. If they fail to do so, they are required to cease collection activity and remove the account.

FCRA Section 623 ( 15 U.S.C. 1681s-2 ) : Creditors must report accurate information. If they report inaccurate or unverifiable information, they must correct or delete it.

This letter serves as my formal request for the original creditor 's signed documentation or any other proof demonstrating that this debt belongs to me. Should this documentation not be provided within the legal timeframe, I demand the immediate removal of this account from my credit report. 

As of XX/XX/XXXX, I have not received any communication regarding my previous disputes, which is a violation of my rights under the FCRA and FDCPA. I urge the CFPB to ensure compliance with these laws and remove the account from my credit file. 

Thank you for your attention to this matter. I trust that the CFPB will ensure the resolution of this issue in accordance with federal regulations. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-10-03 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: I.C. System, Inc.
State: FL

Complaint narrative:
I received an invoice in the mail dated XX/XX/year> from I C Systems Inc stating that I have an outstanding cell phone account with XXXX XXXX  in the amount of {$1200.00}. The invoice stated that " Call or write to us by XX/XX/year>, to dispute all or part of the debt. If you do not, we will assume that the information is correct. '' I placed a telephone call to I C Systems Inc on XX/XX/year> to dispute all of the debt and to stop the collection of the debt, as I did not ever open a cell phone account with XXXX XXXX  as I do not own a cell phone. I use my landline only. I C Systems Inc did not provide me with any documentation verifying the outstanding debt. And, instead placed a derogatory entry on my credit report with XXXX and XXXX. 

On XX/XX/year>, I filed a dispute of the account with XXXX and XXXX. I received the results of the investigation from XXXX on XX/XX/year>, in which they decided that the account was verified. On XX/XX/year>, I made a statement on my credit report with XXXX stating that the account is not mine.

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 2024-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
I have been disputing this debt for 4 years it was charged off, I have a court date in XXXX XXXX MS XXXX XX/XX/XXXX, the statute of limitations is up ( Mississippi Law 3 years ) XX/XX/year> 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian Violated the Fair Credit Reporting Act the following creditors have violated my rights under : 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 an account without my written instructions.

15 U.S.C 609 CRA verified the accurate of information provides by the creditor Pelican State Credit 173031 Under the Fair Credit Reporting Act 15 U.S.C 1681 Section 604 A Section 2 and 15 U.S.C 1681 section 602 A. - The accounts shall be removed/deleted immediately until they receive my written instructions.

Pel

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