vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: ID

Complaint narrative:
I am writing to formally request the validation of the debt associated with my account. This request is made in accordance with the Fair Debt Collection Practices Act ( FDCPA ), specifically under Section 809 ( b ), which requires debt collectors to provide verification of the debt they are attempting to collect. I have recently received communication from your organization regarding the above-mentioned debt. However, I am not currently in possession of sufficient information to fully understand the details of this debt, including its origin, the amount owed, and the relevant account history.

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 2024-01-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Entrata Inc.
State: NV

Complaint narrative:
This debt was appointed to my ex-wife in divorce by a judge, I can not rent a new place anywhere due to this eviction and debt it's crippling. The reason for eviction and debt was damages caused by my ex-wife, and her stalking me after after committing domestic battery against me. This is why the judge appointed this debt to her. She was a cosigner on the lease of the place before she was removed due to my protection order requiring it be so. I am unsure of what do and need help the debt collection agency will not assist even after being provided my divorce documents that state this debt is no longer mine

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: CA

Complaint narrative:
This company Credit Management LP is trying to collect an debt and has put it on my credit report and I have disputed it several times. I also asked for a validation to verify they can legally collect this debt. They keep saying XXXX XXXX but I had an account with XXXX. I spoke with XXXX customer rep XXXX on XX/XX/2024 and he stated that they put a ticket in for it to be deleted because I have been in communication with them. I was also told once it was paid that I can start service over again with them. XXXX is a no contract telecommunication so I'm not sure how Credit management got my account or social to even put it on my credit report especially when I have identity theft in place. I do not owe credit management the debt at all. Never opened the account with them and haven't been provided any proof I owe them. They deleted it off my XXXX but its still showing on the XXXX and XXXX I would like it deleted and them to cease all communication and delete my phone number off their account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30 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: FactorTrust, Inc.
State: NY

Complaint narrative:
The deletion or blocking of accounts resulting from a data breach and unauthorized inquiries is governed by FCRA Section 605B, specifically addressing the blockage of information arising from fraud or data breaches [ 15 U.S.C. 1681c-2 ]. Additionally, FCRA Section 604 outlines the permissible purposes of consumer reports [ 15 U.S.C. 1681b ].

I am writing to formally dispute the presence of accounts on my consumer credit report, as referenced below, which stem from data breaches or fraudulent activities. I request tangible, verifiable evidence that bears my signature or electronic signature. I emphasize that this correspondence represents my interests, and I kindly request your thorough review. These actions were undertaken without my authorization, thus infringing upon my consumer rights as defined by the Fair Credit Reporting Act, Section 605B [ 15 U.S.C. 1681c-2 ] and Section 604 [ 15 U.S.C. 1681b ].

It has come to my attention that these companies initiated these actions without proper validation or original documentation from any of the reporting entities. 
Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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: LEXISNEXIS
State: NY

Complaint narrative:
The deletion or blocking of accounts resulting from a data breach and unauthorized inquiries is governed by FCRA Section 605B, specifically addressing the blockage of information arising from fraud or data breaches [ 15 U.S.C. 1681c-2 ]. Additionally, FCRA Section 604 outlines the permissible purposes of consumer reports [ 15 U.S.C. 1681b ].

I am writing to formally dispute the presence of accounts on my consumer credit report, as referenced below, which stem from data breaches or fraudulent activities. I request tangible, verifiable evidence that bears my signature or electronic signature. I emphasize that this correspondence represents my interests, and I kindly request your thorough review. These actions were undertaken without my authorization, thus infringing upon my consumer rights as defined by the Fair Credit Reporting Act, Section 605B [ 15 U.S.C. 1681c-2 ] and Section 604 [ 15 U.S.C. 1681b ].

It has come to my attention that these companies initiated these actions without proper validation or original documentation from any of the reporting entities.

Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XX/XX/2024 around XXXX XXXX I was at the drive thru ATM of the Bank of America located at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. I tried to withdraw {$760.00} and the ATM didnt give me the money but discounted the amount in my checking account. I immediately made the claim by phone and 7 business days have passed and the bank doesnt have any information about the case.

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 monetary relief
Consumer complaint received 2024-01-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XX/XX/23 a dispute letter was mailed to transunion which i can see they have received. I have yet to get any response into my dispute regarding collections listed on my personal credit report.

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 2024-01-30 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: MS

Complaint narrative:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

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 2024-01-30 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: PA

Complaint narrative:
XXXX XXXX XXXX refused to refund me the interests paid on the loan already paid. The account had been paid in full, with additional interest paid out of pocket. They are also reporting inaccurate, negative information on my personal credit report causing grave stres when applying for credit. They refuse to send me my car title, and refund me my money already paid ( interest ) on a loan that was already paid.

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 2024-01-30 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: PA

Complaint narrative:
XXXX XXXX XXXX refused to refund me the interests paid on the loan already paid. The account had been paid in full, with additional interest paid out of pocket. They are also reporting inaccurate, negative information on my personal credit report causing grave stres when applying for credit. They refuse to send me my car title, and refund me my money already paid ( interest ) on a loan that was already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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: PA

Complaint narrative:
XXXX XXXX XXXX refused to refund me the interests paid on the loan already paid. The account had been paid in full, with additional interest paid out of pocket. They are also reporting inaccurate, negative information on my personal credit report causing grave stres when applying for credit. They refuse to send me my car title, and refund me my money already paid ( interest ) on a loan that was already paid.

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 2024-01-30 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
Timely payments have been a constant on this account, and I have never been overdue. I'm unclear about the reasons behind reports of late payment remarks on my accounts.

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 2024-01-30 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: TX

Complaint narrative:
I write to express my extreme dissatisfaction and distress upon uncovering severe inaccuracies during my recent investigation of my credit report. The unverifiable, invalidated, inaccurate, and questionable items discovered have not only caused severe XXXX but have also highlighted a blatant disregard for reporting accuracy by your agency. 

The Fair Credit Reporting Act explicitly demands 100 % accuracy in credit reporting. Unfortunately, the accounts under 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) are in direct violation, as they fail to provide information that is 100 % accurate. 

I have attached copies of all previously sent letters to your agency, outlining these violations. This letter serves as an urgent demand for immediate action to rectify these inaccuracies and ensure compliance with the legal standards mandated by the Fair Credit Reporting Act. 

The emotional toll and severe impact on my well-being due to these discrepancies are unacceptable. I expect a swift and comprehensive resolution to this matter. Failure to address these issues promptly will force me to explore all available legal avenues to protect my rights as a consumer. 

I anticipate your urgent attention and a timely resolution 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 non-monetary relief
Consumer complaint received 2024-01-30 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: TX

Complaint narrative:
I write to express my extreme dissatisfaction and distress upon uncovering severe inaccuracies during my recent investigation of my credit report. The unverifiable, invalidated, inaccurate, and questionable items discovered have not only caused severe XXXX but have also highlighted a blatant disregard for reporting accuracy by your agency. 

The Fair Credit Reporting Act explicitly demands 100 % accuracy in credit reporting. Unfortunately, the accounts under 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) are in direct violation, as they fail to provide information that is 100 % accurate. 

I have attached copies of all previously sent letters to your agency, outlining these violations. This letter serves as an urgent demand for immediate action to rectify these inaccuracies and ensure compliance with the legal standards mandated by the Fair Credit Reporting Act. 

The emotional toll and severe impact on my well-being due to these discrepancies are unacceptable. I expect a swift and comprehensive resolution to this matter. Failure to address these issues promptly will force me to explore all available legal avenues to protect my rights as a consumer. 

I anticipate your urgent attention and a timely resolution 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 2024-01-30 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: TX

Complaint narrative:
I write to express my extreme dissatisfaction and distress upon uncovering severe inaccuracies during my recent investigation of my credit report. The unverifiable, invalidated, inaccurate, and questionable items discovered have not only caused severe XXXX but have also highlighted a blatant disregard for reporting accuracy by your agency. 

The Fair Credit Reporting Act explicitly demands 100 % accuracy in credit reporting. Unfortunately, the accounts under 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) are in direct violation, as they fail to provide information that is 100 % accurate. 

I have attached copies of all previously sent letters to your agency, outlining these violations. This letter serves as an urgent demand for immediate action to rectify these inaccuracies and ensure compliance with the legal standards mandated by the Fair Credit Reporting Act. 

The emotional toll and severe impact on my well-being due to these discrepancies are unacceptable. I expect a swift and comprehensive resolution to this matter. Failure to address these issues promptly will force me to explore all available legal avenues to protect my rights as a consumer. 

I anticipate your urgent attention and a timely resolution to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30 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: IA

Complaint narrative:
I would like to dispute several unjustified hard inquiries on my credit report. These were not authorized by me and did not result from any credit applications made on my part. I want these to be removed immediately, please. I really don't want to have any future problems when dealing with opening a new line of credits.

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 2024-01-30 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: IA

Complaint narrative:
I would like to dispute several unjustified hard inquiries on my credit report. These were not authorized by me and did not result from any credit applications made on my part. I want these to be removed immediately, please. I really don't want to have any future problems when dealing with opening a new line of credits.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
I've consistently maintained timely payments on this account and have never been late. I'm puzzled by the reports of late payment remarks on my accounts.

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 2024-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: GA

Complaint narrative:
In XX/XX/XXXX - I spoke to a representative name XXXX and informed him I had lost my job. XXXX advised he would be processing a 2 month deferment to cover XXXX and XXXX and my next payment would be due XX/XX/XXXX. On XX/XX/XXXX - 9 days after my payment was due, my car was repossessed while I was inside the XXXX grocery store. Upon contacting Westlake Financial they informed me that I owed {$1100.00} which included XXXX payment a late fee and a {$630.00} repo fee. I asked the company how and why would they repo a car if the payment is only 9 days late? The representative advised my loan was past due for XXXX, XXXX and XXXX but when I pressed that I had a deferment he stated I did but then stated the deferment was recently processed. I asked why was it not processed when the representative XXXX stated he completed? The representative couldn't provide clear answers and I feel this company is operating with deceptive practices by stating they have processed deferments on consumer loans and they do not. They wait to repo the car then process the deferment to make it as if the consumer was delinquent just to collect high repo fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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:
According to 605B, this account must be removed promptly. It's making me mad to see it on my credit report when it's not even my account. I strongly request the company to remove it quickly.

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 2024-01-30 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:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with explanation