vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-07 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: KS

Complaint narrative:
Account Numbers : XXXXXXXX XXXX XXXX XXXXXXXX ) To Whom It XXXX Concern, I am writing to follow up on my previous dispute regarding the charge-off listed on my credit report under the account # XXXX. I previously sent a dispute letter requesting the removal for this account charge-off based on the 1099-C form I received, which indicates that the debt was canceled.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method you used to verify the accuracy of this charge-off. Specifically, I request : 1. The method used to verify the accuracy of this charge-off.

2. The name and contact information of the person or entity that provided the verification.

3. Copies of any documents or records used in the reinvestigation process.

The FCRA 611 ( a ) ( 1 ) requires you to conduct a reasonable reinvestigation of the disputed information. Since I have provided evidence that the debt was canceled, the charge-off should not be reported. If the information can not be verified, it must be deleted from my credit report as per FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with the requested information and update my credit report accordingly. I expect a response within the 30-day period allowed by law.

Thank you for your attention to this matter.

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: OH

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
Since XX/XX/XXXXXXXX  Midland Credit Management threatened to suit me for {$480.00}. I sent this company a Debt Verification letter XX/XX/XXXX requesting the original contract with my wet signature on it containing information that I owe {$480.00} to their company from services rendered by their company

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX To : XXXX @ XXXX XXXX XXXX, XXXX GA XXXX To : XXXX @ XXXX XXXX XXXX, XXXX TX XXXX To : Transunion @ XXXXXXXX XXXX XXXX XXXXXXXX PA XXXX Account # XXXX & XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX & XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Dear Sir or Madam : I am a victim of identity theft, The information listed above which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Identity items resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank or creditor, any type of item, such as credit accounts, checking accounts, etc. 

Please block this information from my credit report, pursuant to section 605b of the FCRA, and send the required notifications to all furnishers of this information, especially Transunion, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 

Enclosed are the following : * A copy of my credit report you are reporting ( the fraudulent items are listed above ) * A copy of my identity Theft Report and proof of my identity * A copy of section 605b of the FCRA, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

I appreciate your prompt attention to this matter, and away your reply. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 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: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX To : Equifax @ XXXX XXXX XXXX, XXXX GA XXXX To : XXXX @ XXXX XXXX XXXX, XXXX TX XXXX To : XXXX @ XXXX XXXX XXXX, XXXX PA XXXX Account # XXXX & XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX & XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXXt Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Dear Sir or Madam : I am a victim of identity theft, The information listed above which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Identity items resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank or creditor, any type of item, such as credit accounts, checking accounts, etc. 

Please block this information from my credit report, pursuant to section 605b of the FCRA, and send the required notifications to all furnishers of this information, especially XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX. 

Enclosed are the following : * A copy of my credit report you are reporting ( the fraudulent items are listed above ) * A copy of my identity Theft Report and proof of my identity * A copy of section 605b of the FCRA, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

I appreciate your prompt attention to this matter, and away your reply. 

Sincerely, XXXX XXXX

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 status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
There are billing errors on my credit report, specifically late payments that dont match my typical payment behavior. Id appreciate it if you could correct them and update my account.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
On XXXX I was alerted to 2 hard inquiries on my credit report one from capital one and one from XXXX XXXX I contacted both companies about this and both said they don't have information that they can give me

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I viewed my credit report and see that there is a collection on my account from XXXX XXXX XXXX for an apartment I did not stay in. I have a lease agreement and a move in statement for XXXX XXXX XXXXXXXX. They are collecting for an XXXX XXXX XXXX. I want this removed from my credit report immediately as it is hurting my ability to obtain credit.

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: NC

Complaint narrative:
I viewed my credit report and see that there is a collection on my account from XXXX XXXX XXXX for an apartment I did not stay in. I have a lease agreement and a move in statement for XXXX XXXX XXXXXXXX. They are collecting for an XXXX XXXX XXXX. I want this removed from my credit report immediately as it is hurting my ability to obtain credit.

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: IN

Complaint narrative:
I am writing to formally request the removal of an unauthorized credit inquiry from my credit report. I am a victim of a recent data breach, and under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that the inquiry be blocked and deleted from my credit report. 
Unauthorized Inquiry XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
My credit score has been drastically impacted by a fraudulent account that has appeared on my report. This account was opened without my knowledge, creating an inaccurate picture of my financial history.

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: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: OPTUM BANK, INC.
State: CA

Complaint narrative:
On XX/XX/24 my former employer enrolled me to company benefits like XXXX, XXXX and XXXX XXXX Accounts. However, I left my then employer on XX/XX/24. Right after a week I got the XXXX XXXX from XXXX XXXX XXXX. I immediately signed up for XXXX XXXX for XXXX XXXX, XXXX XXXX and Optum Flexible  Spending Account. I also sent my first XXXX  payment on the XXXX week of XXXX, The Optum Flexible Spending Acct. monthly payments alone are {$55.00} per month. 

I called XXXX XXXX XXXX 's customer service and XXXX dept. then also with Optum Flexible Spending dept. advocates, customer service, XXXX and help desk. It took me 2.5 hours talking to 7 different depts. and agents. Here are the phone nos. XXXX, XXXX, XXXX, XXXX and XXXX. 

No one can find the account except for the XX/XX/24 enrollment which is of course inactive when I left the company on XX/XX/24. At some point they thought my new current employer is the contributions I was looking. 

At this point, my only option talking to OPTUM and XXXX XXXX is do the round around again calling different telephone numbers. My monthly payment is by check for the XXXX as I get a bill so where is my money and contributions????

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: NY

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am a victim of identity theft. Enclosed are : my drivers license, my social security card, proof of my current address, my Federal Trade Commission Identity Theft Report, and a copy of SECTION 605B of the Fair Credit Reporting Act. I am writing to request that you remove/delete and place an immediate block on the fraudulent information listed below from my credit file within 4 days upon receipt of this correspondence. 
I have recently obtained a copy of my credit file and the information listed below does not relate to any transactions that I have made ; therefore I am requesting that these items be completely removed/deleted and blocked from my credit file. This is not a regular dispute. I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please remove and block the following information from my credit report pursuant to section 605B of the Fair Credit Reporting Act within 4 days. I am requesting that the following fraudulent items be deleted and blocked from my credit file. 

Account Name : XXXX  XXXX XXXX Account Number : XXXX Highest Balance : {$0.00} Account Name : XXXX  XXXX XXXX Account Number : XXXX Highest Balance : {$0.00} Account Name : XXXX Account Number : XXXX Highest Balance : {$0.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Highest Balance : {$210.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Highest Balance : {$400.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX Highest Balance : {$0.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Highest Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX Highest Balance : {$210.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Highest Balance : {$400.00} Account Name : XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX Highest Balance : {$130.00} KINDLY DELETE AND BLOCK ALL NON ACCOUNT HOLDING INQUIRIES AS I DID NOT AUTHORIZE THEM

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: U.S. BANCORP
State: MA

Complaint narrative:
I received a hard inquiry from this company. I did not apply for any credit card or credit card increase.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK
State: MA

Complaint narrative:
I received a hard inquiry from this company. I did not apply for any credit card or credit card increase.

Company response to consumer: Closed with non-monetary relief
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: TX

Complaint narrative:
Several accounts that I dont recognize are on my report. I request they be blocked and removed immediately as fraudulent.

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: CCS Financial Services, Inc.
State: NY

Complaint narrative:
im making a complaint about a collection comapny " credit collection services '' reporting negative feed back on my credit report about a debt in the amount of {$1300.00} on the date opened XXXX.I got in contact with the collection company and told them to remove that negative feed back or send me over debt verification which i suggested proof that debt belongs to me. the prrof i requested is " wet signiture '' and " purchase aggreement '' which in fact " according to FCRA section 605b it is illegel to report anything on my credit report without my permission '' please remove this negative item thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.

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: GA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to 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