vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-12 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:
Subject : Dispute of Credit Report Information and Request for Blocking Under FCRA 605 ( b ) Dear CFPB Team : I am writing to formally dispute inaccurate information on my credit report and to request the immediate blocking of this information pursuant to FCRA 605 ( b ). This provision requires that inaccurate, fraudulent, or identity theft-related information be blocked from my credit file when supported by proper documentation. 

The specific account ( XXXX ) in question include : * XXXX XXXX/AccountNumber : XXXX This information does not belong to me and appears to be the result of identity theft or an error in reporting. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to protections that safeguard my credit report from inaccurate or fraudulent entries. Specifically 1. FCRA 605 ( b ) : Blocking Information from Identity Theft * CRAs are required to block disputed information if a consumer provides : * A valid police report or identity theft affidavit, * Sufficient proof of identity, and * A clear statement identifying the disputed information.

* CRAs must block the information within four business days of receiving the required documentation.

2. FCRA 611 : Procedures for Resolving Disputes * This section mandates that CRAs investigate disputes within 30 days and delete unverifiable or inaccurate information.

3. FCRA 609 ( e ) : Requirements for Identity Theft Victims * Consumers are entitled to access the fraudulent account details upon request.

* I formally request the following : 1. The immediate blocking of the disputed information under FCRA 605 ( b ).

2. Confirmation in writing that the disputed information has been removed and will not reappear on my credit report.

3. A revised copy of my credit report reflecting these corrections.

Please note that failure to comply with the FCRA could result in penalties, including statutory damages, punitive damages, and attorneys fees. I trust that the CFPB will ensure my rights are upheld and that this matter will be resolved promptly. 

Thank you for your prompt attention to this urgent matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Collection Management Holdings, LLC
State: FL

Complaint narrative:
Upon checking my annual credit report Ive noticed that they are accounts on my report that I have no knowledge about.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: FL

Complaint narrative:
Subject : Dispute of Credit Report Information and Request for Blocking Under FCRA 605 ( b ) Dear CFPB Team : I am writing to formally dispute inaccurate information on my credit report and to request the immediate blocking of this information pursuant to FCRA 605 ( b ). This provision requires that inaccurate, fraudulent, or identity theft-related information be blocked from my credit file when supported by proper documentation. 

The specific account ( s ) in question include : XXXX XXXX XXXX : XXXX This information does not belong to me and appears to be the result of identity theft or an error in reporting. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to protections that safeguard my credit report from inaccurate or fraudulent entries. Specifically 1. FCRA 605 ( b ) : Blocking Information from Identity Theft * CRAs are required to block disputed information if a consumer provides : * A valid police report or identity theft affidavit, * Sufficient proof of identity, and * A clear statement identifying the disputed information. 
* CRAs must block the information within XXXX business days of receiving the required documentation. 
2. FCRA 611 : Procedures for Resolving Disputes * This section mandates that CRAs investigate disputes within 30 days and delete unverifiable or inaccurate information.

3. FCRA 609 ( e ) : Requirements for Identity Theft Victims * Consumers are entitled to access the fraudulent account details upon request.

* I formally request the following : 1. The immediate blocking of the disputed information under FCRA 605 ( b ).

2. Confirmation in writing that the disputed information has been removed and will not reappear on my credit report.

3. A revised copy of my credit report reflecting these corrections.

Please note that failure to comply with the FCRA could result in penalties, including statutory damages, punitive damages, and attorneys fees. I trust that the CFPB will ensure my rights are upheld and that this matter will be resolved promptly.

Thank you for your prompt attention to this urgent matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: FL

Complaint narrative:
Subject : Dispute of Credit Report Information and Request for Blocking Under FCRA 605 ( b ) Dear CFPB Team : I am writing to formally dispute inaccurate information on my credit report and to request the immediate blocking of this information pursuant to FCRA 605 ( b ). This provision requires that inaccurate, fraudulent, or identity theft-related information be blocked from my credit file when supported by proper documentation. 

The specific account ( s ) in question include : XXXX XXXX XXXX : XXXX This information does not belong to me and appears to be the result of identity theft or an error in reporting. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to protections that safeguard my credit report from inaccurate or fraudulent entries. Specifically 1. FCRA 605 ( b ) : Blocking Information from Identity Theft * CRAs are required to block disputed information if a consumer provides : * A valid police report or identity theft affidavit, * Sufficient proof of identity, and * A clear statement identifying the disputed information.

* CRAs must block the information within four business days of receiving the required documentation.

2. FCRA 611 : Procedures for Resolving Disputes * This section mandates that CRAs investigate disputes within 30 days and delete unverifiable or inaccurate information.

3. FCRA 609 ( e ) : Requirements for Identity Theft Victims * Consumers are entitled to access the fraudulent account details upon request.

* I formally request the following : 1. The immediate blocking of the disputed information under FCRA 605 ( b ).

2. Confirmation in writing that the disputed information has been removed and will not reappear on my credit report.

3. A revised copy of my credit report reflecting these corrections.

Please note that failure to comply with the FCRA could result in penalties, including statutory damages, punitive damages, and attorneys fees. I trust that the CFPB will ensure my rights are upheld and that this matter will be resolved promptly. 

Thank you for your prompt attention to this urgent matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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:
Subject : Request for Removal of Collection Account Dear Sir/Madam, I am writing to dispute the collection account listed under my name, [ XXXX XXXX XXXX Account XXXX XXXX ], which appears on my credit report. I am requesting that this collection be removed from my credit file within 7 days due to the following reasons : 1. Failure to Validate Debt ( Fair Debt Collection Practices Act - FDCPA, 15 U.S. Code 1692g ) Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you claim I owe. To date, I have not received any verification or proper documentation to substantiate this debt. Therefore, I am requesting that you provide proof of the debt within 30 days of receiving this letter, as required by law. If you can not provide proper validation, you are legally obligated to cease collection efforts and remove the account from my credit report.

2. Reporting Inaccurate Information ( Fair Credit Reporting Act - FCRA, 15 U.S. Code 1681i ) According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies and furnishers are required to report accurate information. If you fail to provide proof of the debt, I request that you immediately notify the credit bureaus to remove this collection from my credit history, as it constitutes inaccurate and unverifiable information under the FCRA.

3. Time-Barred Debt ( State Law and FDCPA, 15 U.S. Code 1692f ) If this debt is beyond the statute of limitations in my state, then I request that this collection account be removed as it is considered " time-barred '' and can not be legally collected or reported. Please confirm the age of the debt and provide the relevant documentation.

4. Failure to Notify of Debt ( FDCPA, 15 U.S. Code 1692g ( a ) ( 1 ) ) Under the FDCPA, you are required to notify me in writing within 5 days of your initial communication about the debt. If you failed to provide this notice within the legal timeframe, then I request that the collection be removed from my credit report as a violation of my rights under the FDCPA.

Since the debt remains unverified and the collection practices may violate the laws referenced, I respectfully request the immediate removal of this account from my credit report and cessation of all collection activities. I expect a response from your office within 7 days of receiving this dispute.

Please consider this letter as my formal request for the removal of this collection account. If I do not hear from you within this period or if you are unable to provide the required documentation to substantiate the debt, I will take further action as permitted under the FDCPA and FCRA. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: NY

Complaint narrative:
Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Complaint Details : I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Equifax Information Services LLC. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Account XXXX : XXXX XXXX Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed in my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorney fees, and possible punitive damages, for failure to comply with the Act 's requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 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: NY

Complaint narrative:
Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Complaint Details : I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Equifax Information Services LLC. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Account XXXX : XXXX XXXX Nature of the Complaint : XXXX. Inaccurate Reporting : The late payments listed in my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
XXXX. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorney fees, and possible punitive damages, for failure to comply with the Act 's requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: AL

Complaint narrative:
I am submitting this formal complaint against Experian for failing to properly investigate and resolve my disputes regarding the following inaccurate charge-off account on my credit report : On XX/XX/year>, I disputed the following charge-off account on my credit report due to errors and lack of accurate reporting with Experian : XXXX XXXXXXXX in the amount of {$620.00}. The creditor has failed to provide adequate documentation to verify the validity of this account upon my request. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) and 1681i ), Experian is required to ensure accurate reporting and conduct reasonable investigations. To date, no valid documentation has been provided to verify this account. Additionally, the recent CFPB lawsuit against Experian underscores concerns about inadequate dispute investigations, which I have experienced firsthand. 

I am requesting the CFPBs intervention to demand the removal of this account from Experian because of their lack of inaccuracies to conduct reasonable business practices.

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 2025-01-12 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: LA

Complaint narrative:
Ive written letters to these third party companies to provide proof that I have a written agreement with them and that havent sent anything and they continue to call one of them being XXXX XXXX XXXX and you know the others

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Incomm Holdings Inc.
State: CT

Complaint narrative:
- I bought XXXX ( XXXX ) {$500.00} Vanilla gift cards back in the fall of XXXX. I tried multiple times to use the cards, without success. After reading the terms and conditions, I called to request that the cards be closed and a refund check mailed to me. I was told to email the requested information and reference case XXXX and case XXXX. I emailed that information XX/XX/XXXX, and received XXXX ( XXXX ) confirmation emails that my requests had been received. 

- I received a letter dated XX/XX/XXXX, from Incomm stating that they would not be issuing a refund check because I had previously requested refund checks on more than XXXX occasion. They did this despite no verbiage in their Terms and Conditions indicating there is a limit on the number of times a refund check can be requested. 

- I called Vanilla on XX/XX/XXXX, to request replacement of the original XXXX ( XXXX ) cards plus an additional one ( XXXX ) card I had purchased that was not working. I was told I needed to submit a verification of address to receive the XXXX ( XXXX ) replacement cards. No case number was provided to me. I submitted the requested information by email on XX/XX/XXXX, and received a confirmation email that my request had been received. 

The card serial numbers are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - I called Vanilla on XX/XX/XXXX, to check on my request for replacement. Confusingly, I was told that a refund check would be sent to me within XXXX weeks. 

- I called Vanilla on XX/XX/XXXX, to check on the status of the check/replacement cards. I was told by the customer service rep, XXXX, that no check was coming and that the cards could not be replaced. While speaking with me, he claimed to reactivate all XXXX ( XXXX ) cards and guaranteed they would work. 

- I tried to use all XXXX ( XXXX ) cards today, XX/XX/XXXX. None of them worked. 

- Vanilla is holding my ~ {$3500.00} XXXX, despite the fact that I have requested both replacement cards, which they refuse to provide, and a refund, which is fully supported by their written terms & conditions, which states : IF YOU DO NOT AGREE TO THE TERMS OF THIS ARBITRATION AGREEMENT, DO NOT ACTIVATE OR USE THE CARD. SAVE YOUR RECEIPT AND CALL XXXX TO CANCEL THE CARD AND TO REQUEST A REFUND.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: MO

Complaint narrative:
Trans Union 's accuracy of my child support account is off. I've made almost all payments on time of the course of my account history. I have been on time for all of XXXX. I was only late for the months of XXXX through XXXX of XXXX when i lost my job. Child support takes {$130.00} every week from my check. I've talked to child support and they say it's on Trans Union 's end. I've disputed this multiple times now with Trans Union and they haven't fixed it.

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 2025-01-12 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:
Subject : Request for Removal of Collection Account Dear Sir/Madam, I am writing to dispute the collection account listed under my name, [ XXXX XXXX XXXX Account XXXX XXXX ], which appears on my credit report. I am requesting that this collection be removed from my credit file within 7 days due to the following reasons : XXXX. Failure to Validate Debt ( Fair Debt Collection Practices Act - FDCPA, 15 U.S. Code 1692g ) Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you claim I owe. To date, I have not received any verification or proper documentation to substantiate this debt. Therefore, I am requesting that you provide proof of the debt within 30 days of receiving this letter, as required by law. If you can not provide proper validation, you are legally obligated to cease collection efforts and remove the account from my credit report.

2. Reporting Inaccurate Information ( Fair Credit Reporting Act - FCRA, 15 U.S. Code 1681i ) According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies and furnishers are required to report accurate information. If you fail to provide proof of the debt, I request that you immediately notify the credit bureaus to remove this collection from my credit history, as it constitutes inaccurate and unverifiable information under the FCRA.

3. Time-Barred Debt ( State Law and FDCPA, 15 U.S. Code 1692f ) If this debt is beyond the statute of limitations in my state, then I request that this collection account be removed as it is considered " time-barred '' and can not be legally collected or reported. Please confirm the age of the debt and provide the relevant documentation.

4. Failure to Notify of Debt ( FDCPA, 15 U.S. Code 1692g ( a ) ( 1 ) ) Under the FDCPA, you are required to notify me in writing within 5 days of your initial communication about the debt. If you failed to provide this notice within the legal timeframe, then I request that the collection be removed from my credit report as a violation of my rights under the FDCPA.

Since the debt remains unverified and the collection practices may violate the laws referenced, I respectfully request the immediate removal of this account from my credit report and cessation of all collection activities. I expect a response from your office within 7 days of receiving this dispute.

Please consider this letter as my formal request for the removal of this collection account. If I do not hear from you within this period or if you are unable to provide the required documentation to substantiate the debt, I will take further action as permitted under the FDCPA and FCRA. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation