vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-28 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-28 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: IL

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> Hello, I was looking over my report and I noticed these accounts listed below are not ensuring maximum possible accuracy according to the FCRA. Please delete the accounts listed below as they are not in compliance with the fair credit reporting act. 

XXXX XXXXXXXX XXXX XXXXXXXX this account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. Please delete account immediately for violation of 15 USC 1681e ( b ) XXXX  XXXX XXXX- this account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. Please delete account immediately for violation of 15 USC 1681e ( b ) XXXX XXXX XXXX- this account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. Please delete account immediately for violation of 15 USC 1681e ( b ) XXXX XXXXXXXX - this account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. Please delete account immediately for violation of 15 USC 1681e ( b )

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 2025-02-28 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: IL

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> Hello, I was looking over my report and I noticed these accounts listed below are not ensuring maximum possible accuracy according to the FCRA. Please delete the accounts listed below as they are not in compliance with the fair credit reporting act. 

XXXX XXXXXXXX XXXX XXXXXXXX this account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. Please delete account immediately for violation of 15 USC 1681e ( b ) XXXX  XXXX XXXX- this account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. Please delete account immediately for violation of 15 USC 1681e ( b ) XXXX XXXX XXXX- this account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. Please delete account immediately for violation of 15 USC 1681e ( b ) XXXX XXXXXXXX - this account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. Please delete account immediately for violation of 15 USC 1681e ( b )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-28 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: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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: FL

Complaint narrative:
This letter serves as my final attempt to resolve this matter before I initiate legal action against your agency for violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Despite numerous disputes and opportunities to correct the inaccuracies on my credit report, you have failed to comply.

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 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This letter serves as my final attempt to resolve this matter before I initiate legal action against your agency for violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Despite numerous disputes and opportunities to correct the inaccuracies on my credit report, you have failed to comply.

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 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Army and Air Force Exchange Service
State: FL

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states ; " I have the right to privacy 15 USC 1681 section 6048 section 2 states ; " a consumer reporting agency can not furnish an account without my instructions. Under 15 USC 1666B ; A creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.

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 2025-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIRST PORTFOLIO SERVICING INC
State: IN

Complaint narrative:
This letter serves as a formal demand that 1st AccessXXXX immediately cease and desist all collection efforts and communications regarding the above-referenced account ( # XXXX ). 

Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692c ( c ), I am exercising my right to request that you cease all contact with me regarding this matter. This includes, but is not limited to : Phone calls ( to my home, work, or mobile ) Letters or written correspondence Emails or text messages Any further attempts to collect this alleged debt Furthermore, I have previously requested validation of this debt under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681g, yet you have continued reporting inaccurate and unverifiable information to the credit bureaus, damaging my creditworthiness. This is a willful violation of federal law, and I intend to take legal action. 

Intent to Sue If 1st Access/XXXX does not immediately : Cease all collection activities, Remove any inaccurate or unverified information from my credit report, and Provide written verification of the debt with all supporting documents, I will have no choice but to proceed with a lawsuit against you for : Willful and negligent violations of the FCRA and FDCPA Knowingly reporting inaccurate information to the credit bureaus Failure to validate the debt upon request Emotional distress and financial harm caused by your actions I am prepared to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) , the Federal Trade Commission ( FTC ) , and my states Attorney Generals Office. Additionally, I will pursue legal action in small claims court or federal court for statutory damages, attorney fees, and punitive damages for your violations. 

Please provide written confirmation that you have received this request and that you will immediately comply by ceasing all collection activities and correcting the inaccurate reporting. If you choose not to comply, be advised that I am fully prepared to take legal action without further notice. 

This letter serves as my final warning before legal proceedings begin. I expect full compliance under federal and state law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: HI

Complaint narrative:
I was illegally garnished by XXXX, XXXX XXXX XXXX, XXXX on behalf of midland credit collections. I live in Hawai'i and they do not have jurisdiction to collect from Oregon. I was not properly served or notified about impending summons or garnishment. They admitted to have my email, my phone number, employer, my address is correct with the state of Hawai'i and yet they stated they attempted to serve summons at old addresses. Those addresses have forwarding in place in my current home address in Hawai'i. After I was told on a recorded line they knew they couldn't collect due to my state of residence they didn't offer to stop garnishment until I stated I spoke with an attorney. They told me I could make an offer to settle, I said no. I have asked for a verification of debt. They then said they would send back all the funds and return the account to Midland.I have received the payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: CT

Complaint narrative:
XXXX XXXX, XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) 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 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of DEPT OF ED/XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX INQUIRIES XXXX XXXX  - XX/XX/year>, XXXX XXXX  - XX/XX/year> 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 US 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 2025-02-28 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
I am writing to formally lodge a complaint against XXXX XXXX Firm, located in XXXX, PA, previously known as XXXX and XXXX. I believe this firm has engaged in fraudulent activities that have severely impacted my financial situation and well-being. 

Specifically, XXXX XXXX Firm submitted false documents and affidavits to the XXXX XXXX XXXX in New Jersey. Utilizing these fabricated documents, they were able to secure a final judgment against me. Furthermore, I have discovered that they recorded incorrect documentation in the XXXX XXXX XXXX XXXX, including a fraudulent assignment of mortgage, to create the illusion of legal standing in court. Attached you will find documents created by XXXX from the XXXX of XXXX XXXX firm and submitted into land records. 

Document XXXX - Shows the employee XXXX XXXX as a Document Execution Representative of Ditech. This is the attorney certification to the court. 

Document XXXX - Shows the same employee XXXX XXXX named as the XXXX XXXX XXXX with the authority to assign the mortgage. 

Document XXXX Shows proof that the Law firm XXXX XXXX these fraudulent documents into the XXXX XXXX XXXX NJ XXXX XXXX XXXX 

Additionally, the same documents were attached to the complaint submitted to the court. 

Notably, this firm has a troubling history, having been found guilty of similar actions in the past, which culminated in their report to the XXXX XXXX XXXX Pennsylvania and a name change to evade scrutiny. It is disturbing to me that this firm is still allowed to foreclose on properties associated with government-backed loans. 

As a result of their actions, a final judgement was found against me and my home has been auctioned off. They have been unjustly pursuing me for funds that I do not owe them. My situation has compelled me to file for bankruptcy to stave off foreclosure, with Ditech being included in that proceeding. 

I am confident that I am not alone in facing injustices brought about by XXXX XXXX Firm 's predatory practices. I have attached all relevant documents to substantiate my claims and urge you to investigate this matter further. 

Thank you for your attention to this serious issue. I look forward to your response and actions regarding this complaint.

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 2025-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Gordon, Aylworth & Tami, P.C.
State: HI

Complaint narrative:
I was illegally garnished by Gordon, Alyworth & Tami, P.C on behalf of XXXX XXXX XXXX. I live in XXXX and they do not have jurisdiction to collect from Oregon. I was not properly served or notified about impending summons or garnishment. They admitted to have my email, my phone number, employer, my address is correct with the state of XXXX and yet they stated they attempted to serve summons at old addresses. Those addresses have forwarding in place in my current home address in XXXX. After I was told on a recorded line they knew they couldn't collect due to my state of residence they didn't offer to stop garnishment until I stated I spoke with an attorney. They told me I could make an offer to settle, I said no. I have asked for a verification of debt. They then said they would send back all the funds and return the account to Midland.I have received the payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I woke up one morning and XX/XX/XXXX or so and all of my bank accounts were at XXXX even a shared account with someone. Come to find out XXXX XXXX  XXXX XXXX XXXX had a court judgement filled against me to garnish my bank account. I was never served papers. No discussion prior, No percentage taken, everything just wiped to XXXX all 3 accounts ( 2 shared, 1 personal ). I contacted them per XXXX XXXX XXXXXXXX saying I need to contact them first. 

I did such and the process has been a nightmare since then. This is my payroll account which I can no longer access because this law frim has put a hold on the account. Not only that the hold is still on today and it has been over 2 months. I have contacted them repeatedly and said I can not pay my bill due to my account being on hold and they are dragging their feet in the process. They seem to not care and say it takes time. 

This lackluster effort has caused severe financial strain and has impacted my credit report. I have asked for things to be expedited or some clarity on what's going on and I get, " its a process ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-28 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This is URGENT. On XXXX XX/XX/year>, I initiated a bank to bank transfer from my Wells Fargo app. This was an incoming transfer coming from my external bank account ( XXXX XXXX  ) into my Wells Fargo account. The transfer amount was {$1900.00}. Later that same day, I called Wells Fargo and asked the phone banker to cancel the transfer. The transfer was indeed cancelled. However, Wells Fargo has later gone ahead and pulled that money from my external bank account without my authorization. I need that money to be returned back to my external bank account by 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 monetary relief
Consumer complaint received 2025-02-28 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: OH

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( 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 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

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 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my 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