vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Multiple unauthorized inquiries have appeared on my consumer report, causing significant mental and financial strain despite my repeated attempts to address this issue. As a victim of identity theft, I have no connection to or responsibility for these fraudulent entries, yet their presence has severely impacted my ability to achieve crucial life goals like purchasing a home and providing for my family 's needs. The documentation I've submitted to the Federal Trade Commission clearly outlines the nature and scope of this fraudulent activity, demonstrating the serious nature of this identity theft case.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I discovered ( XXXX ) hard credit inquiries on my experian account for opening new lines of credit, all of which I personally did not inquire about myself. I believe my social security number was used and an incorrect address lead to denials. The credit inquires are as below, the dates are the ones listed on the mailed notices I received : XX/XX/year> : XXXX XXXX XXXX XXXX XX/XX/year> : Citizens Credit Card Services XX/XX/year> : XXXX XXXX XXXX XX/XX/year> : XXXX XXXX I called citizens bank who reported they did not have any inquiries matching my name or social, although I have a hard copy of the denial letter from the bank. I called XXXX XXXX and they dropped my call. I have a credit freeze placed by XXXX, but need to dispute the several hard inquiries to my credit which I did not make.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: TN

Complaint narrative:
XXXX I disputed and requested a copy of my bill with my signature they could not comply. They sent me a bill no signature page. Then they refused my dispute. I did not take out this loan. {$1000.00} is the amount. The debt has now been sold to National Credit Adjust as of XX/XX/XXXX. 

I was a victim of XXXX, XXXX, XXXX XXXX, and XXXX data breach. Im not sure which one is responsible for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: VA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A XXXX  PARTY. THE CREDIT BUREAUS STATED MY XXXX 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 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. 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 non-monetary relief
Consumer complaint received 2025-01-14 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: VA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A XXXX  PARTY. THE CREDIT BUREAUS STATED MY XXXX 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 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. 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 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I sent a request to each company below requesting a 1099-C. None of them has responded with the information that I requested. Per XXXX, all the accounts just came back verified. I didn't ask them to verify the accounts I asked each company for a 1099-C because each XXXX of them company either wrote the account off or charged the account off meaning that the company wrote the accounts as a lost. meaning I should have received a 1099-C so I can file it as taxable income on my taxes but I didn't get a response to my request. The law clearly states If your debt is forgiven or discharged for less than the full amount owed, the debt is considered canceled for the forgiven or discharged amount that you no longer need to pay. Here is the list of companies I sent this request to. XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I sent a request to each company below requesting a 1099-C. None of them has responded with the information that I requested. Per XXXX, all the accounts just came back verified. I didn't ask them to verify the accounts I asked each company for a 1099-C because each XXXX of them company either wrote the account off or charged the account off meaning that the company wrote the accounts as a lost. meaning I should have received a 1099-C so I can file it as taxable income on my taxes but I didn't get a response to my request. The law clearly states If your debt is forgiven or discharged for less than the full amount owed, the debt is considered canceled for the forgiven or discharged amount that you no longer need to pay. Here is the list of companies I sent this request to. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-14 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: NV

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 : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$13000.00} Charged off XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$93.00} Charged off XXXX / XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3300.00} Charged off XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Included in Bankruptcy XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4200.00} Collection Inquiries in Dispute : XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/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 2025-01-14 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX INQUIRIES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$850.00} XX/XX/XXXX XXXX  XXXX {$600.00} XX/XX/XXXX XXXX  XXXX {$4600.00} XX/XX/XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX  XXXX {$600.00} XX/XX/XXXX XXXX XXXX  XXXX {$540.00} XX/XX/XXXX XXXX XXXX  XXXX {$12000.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$1300.00} XX/XX/XXXX XXXX  XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$320.00} XX/XX/XXXX XXXX XXXXXXXX XXXX {$770.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX {$850.00} XX/XX/XXXX XXXX XXXX  XXXX {$1000.00} XX/XX/XXXX XXXX  XXXX XXXX {$2600.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$2300.00} XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXXXXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXXXXXX - XX/XX/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 2025-01-14 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: 1803 Capital, LLC
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Date XX/XX/year> 1801 Capital  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Louisiana Dear 1801 CapitalXXXX cease and desist I am writing to request validation of the debt you claim I owe. The Fair Debt Collection Practices Act ( FDCPA ) requires that you provide me with certain information to verify the debt. 

Please provide the following information : 1. The original creditor 's name and account number associated with the alleged debt.

2. A copy of the original contract or agreement that I signed.

3. A detailed accounting of the amount claimed, including any interest, fees, or charges.

4. Proof that you are licensed to collect debts in the state of Louisiana.

5. Verification of your authority to collect this debt on behalf of the original creditor. 

Pursuant to 15 U.S.C. 1692g of the FDCPA, I request that you provide this information within 30 days of receipt of this letter. Failure to provide the requested information may lead me to dispute the validity of the debt. 



Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: CA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A XXXX  PARTY. THE CREDIT BUREAUS STATED MY XXXX 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 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. 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 non-monetary relief
Consumer complaint received 2025-01-14 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: CA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A XXXX  PARTY. THE CREDIT BUREAUS STATED MY XXXX 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 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. 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 2025-01-14 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: AL

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 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. 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 non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SECURITY FINANCE CORP
State: AL

Complaint narrative:
I was initially informed that no payment was due, and this was verified. However, XXXX weeks later, a payment was flagged as due due to a glitch in their system. I ensured the payment was made before the 30-day deadline and contacted corporate, who confirmed that there was no record of a late payment on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: Rockdale Capital Management
State: FL

Complaint narrative:
I have started receiving harassing phone calls at my place of employment. rockdale capital management has called several people at my office inquiring about any information about me. they were rude to my office manager and when i called to inquire about information, they didn't announce them being a debt collection or read to me the debt collection act. they solely said that they are an investigation company. i have also reported the three telephone numbers to the police department as well. I have sent them am email and also spoke with a XXXX XXXX, XXXX XXXX and XXXX XXXX. As I was speaking to XXXX XXXX, I received a fifth telephone call at my place of employment. This is now harrassment, and lead me to file this complaint and file a police report. 
the numbers that are calling me are from XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-01-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: MD

Complaint narrative:
Requested online access as a co-borrower in the loan that was sold to Freedom Mortgage. Request was made multiple times from XX/XX/XXXX to XX/XX/XXXX. No resolution. 

I am told that only the first XXXX borrowers are allowed to have online access. 

I am the person responsible for making payments on behalf of all borrowers and am unable to create an online account to access critical documents and notices. 

I have requested that I be made XXXX of the borrowers with online access. The primary borrower, and co-borrower will never make use of the online access rights.

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 2025-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUN LOAN COMPANY INC.
State: TX

Complaint narrative:
Upon pulling a copy of my credit report I was able to access a series of erroneous information that had been compiled. One of those items was from Sun Loan an entity in which I have never had services. I have repeatedly attempted to contact Sun Loan per the information on my credit report in order to get verification of the loan but to no avail. Upon speaking with customer service representatives I have been advised that it is a debt from 2019 and was charged off but apparently the debt is still in house and has not been transferred to a third party. Yet when I request documentation regarding the validity of this debt due to it appearing as fraud I am not provided with any information. I have contacted corporate offices and their fraud department in order to attempt to get further clarification regarding the matter but none has been provided. The only thing that I have been advised is that the original amount of the loan was supposedly {$150.00} but since it has yet to be paid that the balance is now {$310.00} but yet I still haven't been provided documentation regarding the debt and have since disputed it as Fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am writing to formally dispute certain inaccuracies on my credit report. These inaccuracies are related to accounts and information that are currently the subject of an ongoing lawsuit, which involves unfair credit reporting practices. 

Specifically, as these items are being litigated, and I believe they are being reported incorrectly or unfairly. I request that you cease reporting these items or update them accordingly, pending the resolution of the lawsuit. 

As the matter is actively being disputed through legal channels, I respectfully request that you not update or report any information related to the contested items until the lawsuit has been resolved. Under the Fair Credit Reporting Act ( FCRA ), I understand you are required to investigate and respond to disputes within 30 days. 

Please provide written confirmation of your investigation and any actions taken to correct my credit report. If the disputed items are found to be inaccurate or can not be verified, I request that they be immediately removed or corrected. Additionally, I request that you notify the other credit bureaus of any changes to ensure consistent reporting across all agencies. 

Thank you for your attention to this matter. I look forward to your prompt response.

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 2025-01-14 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Never properly investigate it and resolve my issues every time I submitted a claim it came back verified and it wasnt verified.

Company response to consumer: Closed with explanation