vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-28 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: EQUIFAX, INC.
State: MI

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 violated my rights. 

I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-28 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: DE

Complaint narrative:
I have XXXX collections from Affirm, opened on XX/XX/XXXX for account number ( XXXX ), XX/XX/XXXX for account number ( XXXX ), and XX/XX/XXXX for account number XXXX XXXX  ) in the year 2022. These accounts were fraudulently opened in my name by my ex-boyfriend, XXXX XXXX, without my knowledge or consent. He assured me that he would repay the loans, but he has not done so. Despite my efforts to contact him over time, I have lost touch with him over the past 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 explanation
Consumer complaint received 2024-07-28 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: TX

Complaint narrative:
I disputed XXXX XXXX that are required by law to be deleted and they still have not deleted them and updated them

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 2024-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: TransferWise Ltd
State: CA

Complaint narrative:
I tried emailing the company wise.com. I tried to send money to XXXX. I did not finish the process because the company I owned by foreigners and they not only took my credit card and XXXX ID but then these XXXX scammers wanted my XXXX image. Im not giving that information out to these people in XXXX and around the world To do more XXXX XXXX XXXX to all of us so I stopped the transaction and now I can't get online to delete the account. So some XXXX XXXX XXXX XXXX XXXXXXXX now have my information and it will not let me login to delete the account and they will not send me a new password because mine changed somehow. How do I get this company to shut down my account. These are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. And their is no email address to contact if you can't login. And I can't call out of this country. How do these people expect anyone to contact them? How am I supposed to contact these people? I want the ID they have destroyed. It's soon bad when these XXXX XXXX  get into our banking. XXXX XXXX XXXX XXXX XXXX XXXX  when they got into our treasuries. How do I get my information back from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 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: EdFinancial Services
State: AK

Complaint narrative:
A creditor called " XXXX XXXX XXXX '' contacted members of my family and me. Their calls were disturbing and vague. They refused to prove they own the debt, and that I owe a debt. My family and I want to be left alone and I want this debt stricken from my credit report. I don't recognize this debt. I have never heard of it before and it is mistakenly on my credit report. 

God Bless

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: IL

Complaint narrative:
XXXX XXXX is is the 6th collection agency to attempt collection of the debt. of {$250.00}. XXXX As with the previous 5, the debt was never verified. Please find attached various credit reporting firms, and collection agencies that have deleted this account from their records. I have never seen this many attempts to collect a debt that was not verified. Please have them delete this from their records. Debt Recovery have sent me two request both for $ {$250.00} with the date of XX/XX/year>, their reference numbers of XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Bureaus, Inc.
State: GA

Complaint narrative:
XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Regarding Violations of Federal Debt Collection and Credit Reporting Laws Dear Sir/Madam, I am writing to file a formal complaint against THE BUREAUS for violations of federal laws governing debt collection practices and credit reporting. I believe that my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) have been infringed upon. The specific regulations that have been violated are as follows : 1. 12 CFR 1006.34 ( b ) ( 5 ) : According to this regulation, debt collectors are required to provide specific information regarding the debt, including the name of the creditor to whom the debt is owed. In my case, THE BUREAUS failed to provide this information, which has left me unable to verify the legitimacy of the debt.

2. 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : This section mandates that debt collectors must provide information about my right to dispute the debt. THE BUREAUS did not include this critical information in their communication with me, thereby depriving me of my legal right to dispute the debt within the 30-day period.

3. 12 CFR 1006.34 ( d ) : This regulation requires debt collectors to send a written validation notice within five days of their initial communication with me. THE BUREAUS did not send this notice, which is a clear violation of my rights under the FDCPA.

4. 15 USC 1681-S 2 ( 7 ) ( A ) : Under the FCRA, specifically this section, furnishers of information to credit reporting agencies must correct and update information to ensure its accuracy. Despite my repeated requests, THE BUREAUS has failed to correct the inaccurate information they reported to the credit bureaus, negatively affecting my credit score and causing undue harm.

Given these violations, I request the CFPB 's immediate intervention to ensure that THE BUREAUS complies with federal laws. I also seek the removal of the erroneous information from my credit report and appropriate remedies for the distress and financial harm caused by these unlawful practices. 
Please find attached copies of all relevant correspondence and documentation to support my complaint. I am available for any further information or clarification needed to expedite the resolution of this matter. 
Thank you for your prompt attention to this serious issue. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I mailed a certified letter to this debt collector on XX/XX/year> disputing an incorrect account reporting on my report. I asked for specific items to validate the account is mine and I have not received anything that validates this account is mine and that I am the rightful party that the debt belongs to. I also mailed a letter to all XXXX credit bureaus ( XXXX, XXXX XXXX XXXX ) on XX/XX/year> asking them to investigate this account for me & get back to me within XXXX days and I have not heard anything back from the debt collector nor the credit bureaus. I would like to have this account investigated and if the account can not be validated, I would appreciate it if it were deleted from my report as the law states it should.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I DONT RECOGNIZE THIS CREDIT REPORTING PARTY WHICH IS ROCKY MOUNTAIN XXXX, never did business with, notwithstanding the FACT that the information is incomplete, inaccurate, incorrect payment history 15 usc 1681 ( b ) insured maximum accuracy of the furnisher. Never received any proof of debt, please re-investigate this mis information the FCRA states the furnisher to report complete and accurate information

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 2024-07-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Sir or Madam, I am writing to formally lodge a XXXX regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Several months ago, I requested a Debt Validation Letter from this organization as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). However, to date, I have not received any response or the requested validation of the alleged debt. 

In the absence of a Debt Validation Letter, I am unable to verify the legitimacy of this debt. This failure to respond constitutes a violation of the FDCPA, which mandates that a debt collector must provide validation of a debt upon request. 

Given this lack of response, I am formally requesting that this alleged debt be removed from all credit bureaus immediately. The failure of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX to provide the requested validation leaves me with no other recourse but to seek your assistance in ensuring that this erroneous debt is expunged from my credit records. 

I trust that the CFPB will take the necessary steps to address this issue promptly. Thank you for your attention to this matter. I look forward to your swift response and resolution. 

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 non-monetary relief
Consumer complaint received 2024-07-28 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: LA

Complaint narrative:
Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Sir or Madam, I am writing to formally lodge a XXXX regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Several months ago, I requested a Debt Validation Letter from this organization as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). However, to date, I have not received any response or the requested validation of the alleged debt. 

In the absence of a Debt Validation Letter, I am unable to verify the legitimacy of this debt. This failure to respond constitutes a violation of the FDCPA, which mandates that a debt collector must provide validation of a debt upon request. 

Given this lack of response, I am formally requesting that this alleged debt be removed from all credit bureaus immediately. The failure of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX to provide the requested validation leaves me with no other recourse but to seek your assistance in ensuring that this erroneous debt is expunged from my credit records. 

I trust that the CFPB will take the necessary steps to address this issue promptly. Thank you for your attention to this matter. I look forward to your swift response and resolution. 

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 2024-07-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I looked back at my TransUnion credit report I disputed this XXXX XXXX XXXX  credit card account on XX/XX/year>. In the Fair Credit Report Act, Credit Reporting Agencies have 30 days to investigate a dispute that was requested by a consumer with accurate information if not verified the account needs to be deleted from my credit report. XXXX XX/XX/year> marks 31 days.

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 2024-07-28 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to express my deep disappointment and frustration regarding the inaccurate reporting of late payments on my credit report. This issue must be addressed immediately. Under the provisions of the Fair Credit Reporting Act ( 15 U.S.C. 1681a, Section 602 ) and the Fair Credit Billing Act ( 15 U.S.C. 1666b ), I demand that you take corrective action without delay. Additionally, under 15 U.S.C. 1681, Section 602 ( a ), I have the right to privacy, and under 15 U.S.C. 1681, Section 604 ( a ) ( 2 ), a consumer reporting agency can not furnish my account information without my written instructions.It is unacceptable that, under 15 U.S.C. 1681, Section 602 ( a ), credit reporting agencies are failing to ensure that the information in credit reports is accurate and fair, thereby violating my right to privacy. The late payments reported on the above account are false and misrepresent the true status of my account.

Furthermore, under 15 U.S.C. 1681, Section 604 ( a ) ( 2 ), a consumer reporting agency is prohibited from furnishing my account information without my explicit written instructions. I have not authorized such reporting, making this a clear breach of my rights.

Moreover, 15 U.S.C. 1666b mandates that creditors promptly investigate and rectify billing errors, including the incorrect reporting of payments. I have contacted XXXX XXXX about these errors, and they have acknowledged the need for correction. Despite this, the erroneous late payments continue to tarnish my credit report, unjustly affecting my credit score and financial standing.

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 2024-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I am attempting to unfreeze my TransUnion credit report in preparation for applying for a loan, and their website ( service.transunion.com ) is malfunctioning and unable to log me in. As a result, I am unable to apply for credit. The specific error messages I get are " We are sorry, but we are unable to fulfill your request at this time. '' and " We are temporarily unable to complete your request. Looks like we are experiencing a problem on our end. '' This has been the case for over XXXX hours.

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 2024-07-28 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: TX

Complaint narrative:
Reviewed most recent credit report from Experian and I noticed inquires that did not belong to me. After reaching out to the creditors I was advised there were not any applications on file with their company and should dispute with Experian. The dispute with Experian was met with pushback and no resolution. 
15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by 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 2024-07-28 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: FL

Complaint narrative:
Ive started to do research on my credit report and Ive seen that I had fraudulent account 's opened without my permission or consent. XXXX account is from XXXX XXXX XXXX  # XXXX {$530.00} dollars from dates XXXX and XXXX This account is fraudulent!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: CA

Complaint narrative:
Loan transfer to XXXX XXXX XXXX after request in writing by my respa rights They transferred loan anyway with mistakes already being made Putting XXXX different acct numbers under same address stated incorrect information and first payment due on XX/XX/year> Denied our respa request and rights And fraudulent information on acct and loan number transfer not even 30 days in and already a data breach In which XXXX XXXX XXXX repeat offenders of housing data with cfpb

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Regarding Violations of Federal Debt Collection and Credit Reporting Laws Dear Sir/Madam, I am writing to file a formal complaint against CREDIT COLLECTION SERVICES for violations of federal laws governing debt collection practices and credit reporting. I believe that my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) have been infringed upon. The specific regulations that have been violated are as follows : 1. 12 CFR 1006.34 ( b ) ( 5 ) : According to this regulation, debt collectors are required to provide specific information regarding the debt, including the name of the creditor to whom the debt is owed. In my case, CREDIT COLLECTION SERVICES failed to provide this information, which has left me unable to verify the legitimacy of the debt.

2. 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : This section mandates that debt collectors must provide information about my right to dispute the debt. CREDIT COLLECTION SERVICES did not include this critical information in their communication with me, thereby depriving me of my legal right to dispute the debt within the 30-day period.

3. 12 CFR 1006.34 ( d ) : This regulation requires debt collectors to send a written validation notice within five days of their initial communication with me. CREDIT COLLECTION SERVICES did not send this notice, which is a clear violation of my rights under the FDCPA.

4. 15 USC 1681-S 2 ( 7 ) ( A ) : Under the FCRA, specifically this section, furnishers of information to credit reporting agencies must correct and update information to ensure its accuracy. Despite my repeated requests, CREDIT COLLECTION SERVICES has failed to correct the inaccurate information they reported to the credit bureaus, negatively affecting my credit score and causing undue harm.

Given these violations, I request the CFPB 's immediate intervention to ensure that CREDIT COLLECTION SERVICES complies with federal laws. I also seek the removal of the erroneous information from my credit report and appropriate remedies for the distress and financial harm caused by these unlawful practices. 
Please find attached copies of all relevant correspondence and documentation to support my complaint. I am available for any further information or clarification needed to expedite the resolution of this matter. 
Thank you for your prompt attention to this serious issue. 
Sincerely,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation