vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.

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 2024-09-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc.
State: AL

Complaint narrative:
This debt collector is inaccurately reporting a balance on a debt that has been settled. The debt is regarding unreturned equipment which was returned on XX/XX/24. I received validation of debt on today XX/XX/24 only about the unreturned equipment. I called the debt collector who stated the debt was for an old balance and a different amount however I was never sent a validation of debt for said old balance only the unreturned equipment. The debt has been removed from my XXXX credit file however XXXX and XXXX is still showing it as reported which is a violation of the FCRA due to inaccurate reporting! This is not fair and I have returned the equipment therefore the debt is no longer valid and should be deleted

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 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: MI

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX U.S.C XXXX SECTION XXXX A. STATES I HAVE THE RIGHT TO PRIVACY. XXXX XXXX XXXX SECTION XXXX SECTION XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 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: MI

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX U.S.C XXXX SECTION XXXX A. STATES I HAVE THE RIGHT TO PRIVACY. XXXX XXXX XXXX SECTION XXXX SECTION XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-09-17 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: NJ

Complaint narrative:
formally dispute the accuracy of the information being reported on my consumer report regarding an account with XXXX XXXX XXXX XXXX XXXX XXXX Specifically , I am requesting verification of the original instrument of indebtedness associated with this account, as required under 12 U.S.C. 83, which states that no national bank shall make a loan or discount on the security of the shares of its own capital stock. 

Under 12 U.S.C. 83, financial institutions are prohibited from securing loans or discounts using their own capital stock as collateral. Therefore, I am requesting the Consumer Reporting Agency to ask XXXXXXXX XXXX XXXX XXXX XXXX XXXX to provide Proof of the Original Instrument of Indebtedness that supports the validity and accuracy of the debt being reported. 

I request that the Consumer Reporting Agency take the following steps to resolve this dispute : 1.Verification of Debt : Please request the financial institution to provide valid and legally enforceable documentation, including the Original Instrument of Indebtedness, to confirm that the reported account was not issued in violation of 12 U.S.C. 83. 


2. Removal of Inaccurate Information : If the financial institution is unable to provide sufficient proof of the original debt instrument, I request the immediate removal of the account from my consumer report, as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, to ensure the accuracy and fairness of the information reported. 

3. Provision of Supporting Documents : Additionally, I request copies of all supporting documentation used to verify the accuracy of the account information, including any loan agreements, contracts, or financial instruments that prove compliance with 12 U.S.C. 83. 

Compliance with FCRA : As you are aware, the Fair Credit Reporting Act ( FCRA ) requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy in the information contained in consumer reports. Without proof of the original debt instrument, the reporting of this account is both inaccurate and incomplete, in violation of the FCRAs accuracy requirements. 

Please confirm receipt of this letter and provide me with a detailed response regarding the steps that will be taken to verify the disputed account information. I expect a prompt investigation and resolution in accordance with federal law.

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 2024-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CashMax LLC
State: ID

Complaint narrative:
Originally several months ago got a threatening call from an aggressive person on a phone call threatening to garnish wages. They were trying to get the debt paid over the phone but I didn't comply and asked to speak to a manager who they patched me through to. I explained that I have no loans they tried to tell me that it was a tough time for everyone and people got desperate and took out loans over the phone. I told them I didn't have any debt and I monitor my credit reports regularly and this has not shown up at all so not sure what they are talking about. I told them that I will fight this issue in court and they would not get a cent from me. They provided me with my full social security number as proof which knowing about the breach just thought it was a scam. 
I recently got a letter in the mail dated XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NY XXXX saying the debt was from Boost Finance with an account number the debt was purchased by XXXX XXXX XXXX which is now the creditor to whom the debt is owed. As of XX/XX/XXXXXXXX  in the amount of {$410.00}. I have up to XX/XX/XXXXXXXX  to dispute by mail or call or the debt becomes assumed as correct. There is an additional reference number of XXXX with a pin number. 
I have called them. told them that I don't have any debt as I'm am financial stable and would not have needed a loan so didn't now what they are talking about. They told me they were sending me proof of debt documentation to my email account that they had of which didn't match any email I owned. They wanted me to provide them with a correct email and I refused so they are mailing me the information they have on file.

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 2024-09-17 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: AZ

Complaint narrative:
I reviewed my credit report today again, I saw some inaccurate information in my credit report. I wrote several letters already requesting you remove these inaccurate information from my credit report. I dont know why you are ignoring my request. Please DELETE them ASAP!!! 
My ONLY NAME is : XXXX XXXX XXXX XXXX XXXX ADDRESS should read : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Please remove these inaccurate addresses from my report. XXXX XXXX XXXX XXXX, XXXX, AZ, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ, XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX, GA, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ, XXXX, XXXX XXXX, XXXX, NC, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-17 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: SC

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-09-17 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: ProCollect, Inc.
State: TX

Complaint narrative:
Pro collect debt collector has improperly reported a debt to a credit reporting company without meeting their obligations under the Fair Debt Collection Practices Act ( FDCPA ) never sent debt verification or validation letter back in 2021

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 2024-09-17 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: NJ

Complaint narrative:
On XX/XX/year>, I, XXXX XXXXXXXX XXXX XXXX  exercised my right to opt out of an account with XXXX XXXX XXXX, as per the provisions under applicable privacy and consumer protection laws. This opt-out request was sent via certified mail, tracking number XXXX XXXX XXXX XXXX XXXX XXXX, which was delivered on XX/XX/year>, and via certified mail XXXX XXXX XXXX XXXX XXXX XXXX, delivered on XX/XX/year>. 
On XX/XX/year>, I issued the same opt-out request to XXXX XXXX XXXX after discovering that the account had been reported differently to TransUnion. This request was sent via certified mail, tracking number XXXX XXXX XXXX XXXX XXXX XXXX, and delivered on XX/XX/year>. 
By the end of XX/XX/year>, I received written confirmation from XXXX acknowledging receipt of my opt-out request in accordance with the XXXX XXXX ( XXXX ). XXXX confirmed that the request would be processed promptly. 
However, on XX/XX/year>, after reviewing my updated credit report, I found that the account in question was still present. I also spoken to XXXX on XX/XX/year>, and was informed that a request to remove the account from my consumer report had already been submitted. As the account remains on both my XXXX and TransUnion consumer reports, I am now escalating this matter to the Consumer Financial Protection Bureau ( CFPB ) to enforce my rights and ensure the removal of this account from all relevant consumer reports. If you do not initiate an investigation regarding my dispute AND DELETE this information within 4 business days of receipt of this notice per 15 USC 1681c-2, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Each violation of the FCRA allows damages of {$1000.00} should this matter be up in court. 
I have suffered emotional distress as a result of this matter and have felt severely anxious. Therefore, I am compelled to escalate this matter and request a FAIR and EQUITABLE resolution.

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 2024-09-17 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
After my dad died In XXXX, my mom purchased a piece of land in the state of Arizona.She completely paid for the land with cash. She later purchased a mobile home in the amount of XXXX XXXX XXXX XXXX XXXX and XXXX XXXX that she finance through household bank and had the mobile home placed on the land. My mom passed away in XXXX and I continue to make payments.on the mobile home thru XXXX XXXX. Approximately one  month after my mom passed.I received a letter from faye mortgage stating that they now owned the loan. After making payments For more than a year the payments increased due to faymortgage placing insurance on the property. Although I had informed XXXX XXXX  that I had already purchased insurance. For the mobile home. After Not being able to afford payments any longer.Fay mortgage initiated foreclose sale under mobile home. I contacted XXXX via phone and letter askING to modify loan. Fay mortgage did not respond to this request and the property was sold in a foreclosure sale in XXXX XXXX.In which XXXX  purchase the property. It was. 
Later learned that the mobile home loan had been satisfied. Fay mortgage sold the land in foreclosure sale ffor the amount of {$35000.00}.? ? .even though they did not hold a security intetest in the land. I have attempted to contact XXXX  regarding this issue but they are now refusing to speak with me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
Thank you for your response and the information provided regarding the XXXX account ending in XXXX. 

However, I never received the initial notification letter that was allegedly sent on or about XX/XX/2024. I am requesting a copy of the contract with my handwritten signature for verification purposes. Since the account details refer to my social security number, I am exercising my right to verify the authenticity of this account. A contract bearing my handwritten signature would be the clearest form of verification. 

I appreciate your prompt attention to this matter and look forward to receiving the requested documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
These late payments are inconsistent with my typical payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The late payments listed don't align with my usual payment behavior.

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 2024-09-17 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: PA

Complaint narrative:
I am writing to follow up on my previous dispute regarding several inaccurate and unverified negative items on my credit report. Despite my prior and multiple communications, these items have not been removed.

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 2024-09-17 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: AZ

Complaint narrative:
I reviewed my credit report today again, I saw some inaccurate information in my credit report. I wrote several letters already requesting you remove these inaccurate information from my credit report. I dont know why you are ignoring my request. Please DELETE them ASAP!!! 
My ONLY NAME is : XXXX XXXX XXXX XXXX XXXX ADDRESS should read : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Please remove these inaccurate addresses from my report. XXXX XXXX XXXX XXXX, XXXX, AZ, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, AZ, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, AZ, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: ID

Complaint narrative:
Originally several months ago got a threatening call from an aggressive person on a phone call threatening to garnish wages. They were trying to get the debt paid over the phone but I didn't comply and asked to speak to a manager who they patched me through to. I explained that I have no loans they tried to tell me that it was a tough time for everyone and people got desperate and took out loans over the phone. I told them I didn't have any debt and I monitor my credit reports regularly and this has not shown up at all so not sure what they are talking about. I told them that I will fight this issue in court and they would not get a XXXX  from me. They provided me with my full social security number as proof which knowing about the breach just thought it was a scam. 
I recently got a letter in the mail dated XX/XX/XXXX from Debt Recovery Solutions , LLC, XXXX XXXX XXXX, XXXX, NY XXXX saying the debt was from XXXX XXXX with an account number the debt was purchased by XXXX XXXX XXXX which is now the creditor to whom the debt is owed. As of XX/XX/XXXXXXXX  in the amount of {$410.00}. I have up to XX/XX/XXXXXXXX  to dispute by mail or call or the debt becomes assumed as correct. There is an additional reference number of XXXX with a pin number. 
I have called them. told them that I don't have any debt as I'm am financial stable and would not have needed a loan so didn't now what they are talking about. They told me they were sending me proof of debt documentation to my email account that they had of which didn't match any email I owned. They wanted me to provide them with a correct email and I refused so they are mailing me the information they have on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 2024-09-17 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 kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: VA

Complaint narrative:
On XX/XX/XXXX, a XXXX account was opened at XXXX store in Texas using my social security number. They received 2 phone numbers and 2 XXXX without paying for them using the new account. The phone # s were XXXX and XXXX. The address they gave was XXXX XXXX XXXX, XXXX TX XXXX. 
I noticed this on my credit report XX/XX/XXXX when it was sent to collections. I disputed it in XX/XX/XXXX with the credit agency and reached out to XXXX fraud via email and numerous phone calls. I disputed it again in XX/XX/XXXX and filed a police report, sending all of the docs to XXXX. 
Once again, it is in collections and I have repeated the proces with the new collection agency and XXXX fraud. 
I never hear anythihg back from XXXX. It is illogical that they do not respond to the many ways and times I have presented them with this information. 
The bill is now {$3100.00}

Company response to consumer: Closed with explanation