vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
I am a Victim of identity theft and this is my official complaint statement of crime. These reporting items are not mine and need to be removed and blocked from my report. I have filed an official complaint with the creditors. Other legal and government agencies have been notified under the FCFIA and the fraud needs to be removed immediately, or further legal action against the credit bureaus. Many thanks for considering my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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: MD

Complaint narrative:
My credit report shows inquiries I dont recognize nor have applied to, and I never gave permission to these companies to access it. I take my rights as a consumer seriously, and protecting my credit is one of the few things that matters to me. My life is already stressful enough without having to deal with this.

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 2024-11-06 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: CO

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of several fraudulent accounts appearing on my credit report. As a victim of a data breach, I am entitled to this action under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Please find the details of the fraudulent accounts below : XXXX. XXXX XXXX XXXX Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$9500.00} XXXX. XXXXXXXX XXXX XXXX Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$9600.00} XXXXXXXX XXXX Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$0.00} XXXXXXXX XXXX Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$6000.00} XXXXXXXX XXXX XXXX Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$10000.00}

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 2024-11-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NM

Complaint narrative:
XXXX IS NOT A DUPLICATE - IT IS A NEW COMPLAINT* On XX/XX/year> I received my APPROVAL FOR DISCHARGE from the XXXX XXXX XXXXXXXX. for my federal student loans. 
( I previously requested, submitted, and was denied in my application for Discharge of Private Student Loans for School Misconduct I had submitted without the approval letter. ) Now that I have the approval letter I would like it added to my misconduct discharge application and have it reconsidered. 

On XX/XX/year> I also sent the approval letter to XXXX XXXX XXXX and was told they are " researching '' my account. I have received no other correspondence and when I followed up on XXXX with the same information the response said nothing except Mohela is my new servicer. ( But XXXX  is still the owner of these private loans. )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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: TX

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over XXXX  days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 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: IL

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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 2024-11-06 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: AZ

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( 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 section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is XXXX XXXX XXXX, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
I keep getting collections notices about an account with XXXX XXXX  from multiple different collection agencies. XXXX of these agencies reported the account to the credit bureau about XXXX  months ago. I was able to dispute the account and it was removed. Now it has been sold to another agency and they have reported it to my credit report. I have confirmed that I do not have any knowledge of this account and I am being told that the account is over XXXX years old which should not be reported anyway if it is that old. I even have letters from the original collection agency saying that this debt is toll old to report. Collection agencies should not be allowed to just keep transferring an invalid debt to a new agency and continuously reporting this to my credit and damaging my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
I was on a XXXX page to become a vendor at a local craft fair. I was contacted, discussion went back and forth looking at what size space I need, do I want booth insurance, etc.. I sent the money XX/XX/year> to hold my spot {$78.00} for the event. It turns out this person does not work with the craft fair organization so I did NOT have a spot available to me. The XXXX XXXX  was XX/XX/year> which was a real event. So I JUST found out this was a fraud. 

I tried to reach out to the person directly however the account is not accepting messages. I contacted XXXX XXXX  directly also they told me they could not help either. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX {$75.00} Fee {$3.00} Total, {$78.00} I am not sure what to do but I can not afford to be out this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Control, LLC
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

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 2024-11-06 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: MO

Complaint narrative:
It is unacceptable to have this late payment on my account, given my history of making payments on time. Please remove it and update my account accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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: MD

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : Transunion XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$840.00} Late/CloseXXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$440.00} Late/Open

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 2024-11-06 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:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away. Kindly remove and block them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My recent credit report shows several accounts I believe were added without permission and are incorrect. Please block and remove these fraudulent accounts from my report right away.

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 2024-11-06 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: IL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of XXXX trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted from Transunion. Please delete the following accounts : XXXX XXXX. Balance {$8300.00} XXXX XXXX. XXXX {$820.00} XXXX XXXX. XXXX {$2000.00} XXXX XXXX. Balance {$39000.00}

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 2024-11-06 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: OR

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Im not aware of such inquiries, therefore this one appears to be illegal and a fraud. As soon as possible, please fix this problem. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: TX

Complaint narrative:
According to the Fair Credit Reporting Act ( FCRA ), a company must notify a consumer before reporting negative information about them to a credit bureau, meaning they need to inform the consumer that their credit history might be impacted before sending the information to a credit reporting agency ; this is usually done through a pre-notification or a notice included with a billing statement. I did not receive anything from XXXX XXXX XXXX stating that they would be reporting to the credit bureau. 

The FCRA mandates this practice, ensuring consumers have a chance to dispute inaccurate information before it appears on their credit report. 

The notice should be provided BEFORE the company reports the negative information to the credit bureau! 

XXXX XXXX XXXX did not reach out to me prior to reporting the unverified information to the credit bureaus. 

This company is illegally posting to my credit report without providing me the requested accurate and complete documentation of the debt they are claiming that I owe them. 

XXXX times I have requested from XXXX XXXX XXXX : ( XXXX ) to provide legal proof that they are licensed to collect such debt in my state, ( XXXX ) proof of ownership of the account as well as ( XXXX ) billing statements and breakdowns of fees including how they calculated what they claim I owe as well as the legal statement that allows the company to add interest and fees to their original collection amount. ( XXXX ) Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt to your company. ( XXXX ) Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 

Any reporting of incomplete, inaccurate, unverifiable information is illegal and I will proceed to seek legal damages that this company has caused. I have calculated XXXX violations that I will seek damages for if this is not resolved. 

This account is defamation of my character and has cost me unnecessary fees and deposits that l wouldn't have due, if this company were not negligent and posting false information to my credit reports. This account must be removed until legal documentation is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying computer science, helped me out by finding a way to check if my Gmail emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 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: Experian Information Solutions Inc.
State: IL

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 explanation
Consumer complaint received 2024-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
I am submitting a formal complaint against Jefferson Capital Systems, a debt collection agency, for improperly reporting and misrepresenting a debt on my credit report. Despite repeated disputes and requests for validation, Jefferson Capital Systems has failed to provide any documentation proving that the debt is mine or that they have a right to collect it. 

Details of Complaint Unverified Account Reporting and Inaccurate Information : Jefferson Capital Systems claims that an account was opened in XX/XX/year> in my name, with an alleged debt of {$1300.00}. They have reported this debt to the credit bureaus, but have not provided any supporting documentation verifying the debt 's validity or confirming their right to collect on it. This debt remains on my credit report, negatively impacting my credit score and misrepresenting my credit profile. 

Repeated Disputes Ignored Without Documentation : I have filed multiple disputes with the credit bureaus regarding this debt, citing lack of validation and evidence from Jefferson Capital Systems. Despite my repeated disputes, they continue to report the debt as " validated '' or " verified '' without providing any supporting documentation. Their failure to substantiate their claim and yet insist on reporting it as verified violates my rights as a consumer under federal law. 

Possible Violations of Consumer Protection Laws : Jefferson Capital Systems actions appear to contravene the Fair Debt Collection Practices Act ( FDCPA ), which requires debt collectors to validate and verify debts upon request. Additionally, their refusal to provide any proof or substantiation of this debt, while continuing to report it to credit bureaus, may constitute a violation of the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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: NY

Complaint narrative:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away. Kindly remove and block 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