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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I noticed my XXXX XXXX went down very low on my banking app and looked on XXXX XXXX and then noticed some late payment alerts and when i looked at the accounts it was credit card debt accounts that I did not open. I took a loan out with XXXX main to pay my credit card debt off and i did, now these accounts are showing large amounts due. I need help, I filed bankrupty last year and was discharge in XX/XX/year>. I am just trying to keep my debt under control and this has destroyed my credit again. I am so stressed out and just dont know what to do. The accounts that are showing on my credit report that are not mine is Capital XXXX balance of XXXX, Avant Cash Back Rewards Card XXXX, XXXX XXXX XXXX, XXXX Bank XXXX XXXX. I dont know the account numbers but need these reported as fraud.

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: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BELMONT FINANCE LLC
State: GA

Complaint narrative:
I have contacted the debt collector to receive 1099-c from charged off account, the Account History Information and any signed contract between myself and the debt collector. Stating that I owe them the debt. I have also reached out to the credit bureaus for three months, to fully investigate the closed accounts being reported to my credit. I have not received any update.

Company public response: Company believes the complaint is the result of a misunderstanding
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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TN

Complaint narrative:
this account was opened in 2022 for the amount of {$2400.00}

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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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: 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:
XXXX5usc 1681a d2a1 under the exclusion session you are in violation for not removing the late payments and or account in entirety Attention XXXXtigation Department, As stated in case law XXXX vs Transunion XXXX and so many more ; there is a15usc 1681i violation. You have failed to properly investigate, and the inaccuracies & inconsistencies still exist well after 5 months. Remove the accounts listed or a Notarized Notice to file suit will be sent out on XX/XX/XXXX via certified mail. I will also expect remedy and compensation of the minimum lawfully owed {$1000.00} per violation. 

15 usc 1681n You are now also infringing on my rights.The denials that I have received since these errors, EVEN AFTER KNOWN DATA BREACHES, are hindering my growth in life. I'm due for compensation.

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: EQUIFAX, INC.
State: IL

Complaint narrative:
15usc 1681a d2a1 under the exclusion session you are in violation for not removing the late payments and or account in entirety Attention litigation Department, As stated in case law XXXX vs XXXX XXXX and so many more ; there is a15usc 1681i violation. You have failed to properly investigate, and the inaccuracies & inconsistencies still exist well after 5 months. Remove the accounts listed or a Notarized Notice to file suit will be sent out on XX/XX/XXXX via certified mail. I will also expect remedy and compensation of the minimum lawfully owed {$1000.00} per violation. 

15 usc 1681n You are now also infringing on my rights.The denials that I have received since these errors, EVEN AFTER KNOWN DATA BREACHES, are hindering my growth in life. I'm due for compensation.

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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have submitted several letters to Experian about updating my personal information. I provided them with proper documentation for this update, however they are still reporting old addresses that do not belong to me.

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: EQUIFAX, INC.
State: NJ

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: NJ

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 — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I have spent many hours and many phone calls to contact Experian concerning login to my account. When I call I get an automated answering service, which is no help. I ask for a live representative with no success. This is the issue : XXXX years ago I moved from XXXX  back to XXXX. My XXXX  email address and phone number were cancelled. Every time I try to login Experian wants to send an access code to my cancelled XXXX  phone number. Obviously that doesnt work. I have several times used their website, forgot user name and password to no avail. Their website indicates my date of birth or Social Security number do not match their records. This I believe is an inconceivable error on their part. I have on XX/XX/year> mailed a letter to Experian detailing the issues and also unlocking my account freeze temporarily. Experian responded in a letter unlocking the credit freeze on XX/XX/year>, but did not respond to my account access/login request. I appreciate your help, thank you.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX : # XXXXXXXXXXXXXXXXXXXXXXXXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX # XXXX, has violated my 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 non-monetary relief
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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
To Whom it may concern, The following accounts are claiming to both own the same debt, with a balance. As you know, this is not possible and also a violation of my rights. Because of this, BOTH accounts need to be removed from my credit report immediately due to not properly validating the information in which a company has passed to you please delete immediately when the requested above deletions are made please mail me an updated copy of my credit report. I was also wrongly steered into forbearance by XXXX am also a victim Account XXXX : company name - XXXX  account # XXXX Account XXXX : ( company name + XXXX account # 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: IL

Complaint narrative:
I am seeking your assistance in reviewing accounts from companies that are inaccurately reporting late payments. After being laid off, I requested forgiveness for these payments, and they agreed, yet the late payments are still being reported. Despite reaching out, Ive received no updates, making this my final attempt to resolve the 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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I had a short term rental reservation with a company, XXXX XXXX. The reservation was between XX/XX/XXXX XXXX and XXXX XXXX, XXXX at XXXX XXXX XXXX XXXX # XXXX XXXX TX XXXX. 
I had pre paid for my stay with XXXX XXXX and it was settled. 

Somebody has signed a fradulent lease with my name, signature and initials for the same unit # XXXX at XXXX XXXX XXXX for a lease period between XX/XX/XXXX to XX/XX/XXXX There is unkown person XXXX XXXX also attached to the lease. 

A debt collector - COLUMBIA DEBT RECOVERY LLC DBA GENESIS XXXX XXXX XXXX XXXX, WA XXXX is reaching out to me to pay for this debt and they have also reported this fraudulent debt to my credit report. 
XX/XX/XXXX Account # : XXXX Original Creditor : XXXX Placed for collections on : XX/XX/XXXX Original Principal : {$1900.00} Current Principal : {$1900.00} Interest Due : {$26.00} Total Due : {$1900.00} I have submitted mulitple proofs to Columbia Debt recovery stating that I never lived at XXXX XXXX XXXX in XXXX and actual address was in XXXX TX - 1. Actual valid lease at XXXX TX 2. Electricity bills from my actual address at XXXX TX 3. Police report 4. My driver 's license. 

Even with all these proofs, they are not ready to remove this fradulent debt from my credit report and still sending me emails to cover the debt. 

Attachments 1. Fradulent lease doc from XXXX XXXX XXXX XXXX. Police report 3. My Valid lease and electricity bills from XXXX TX

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: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a XX/XX/XXXXXX/XX/XXXX. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 1.XX/XX/XXXXXXXX XXXX # XXXX 2. XXXX OF XXXX 3. XXXX 4. XXXX 5. XXXX 6 XXXX XXXX 7. XX/XX/XXXX 8.XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX 9. XXXX 10. XXXX 11. XXXX 12. XXXX 13. XXXX 14. XXXX 15. XXXX 16. XXXX XXXX 17XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
On XX/XX/year>, I submitted a balance transfer request to Citi using my Citi XXXX XXXX for a total of {$7900.00}. The money ( {$7700.00} minus the fee ) should have been sent to XXXX loan provider. I provided the correct account number from XXXX. 

However, Citi sent the balance transfer amount to a wrong bank ( XXXX XX/XX/XXXX ). I spoke with XXXXXX/XX/XXXX and they said that such account number does not exist and they do not have any record of accepting the fund. Yet, Citi is saying XXXX accepted the money. 

Also, I provided transaction ID and trace ID of the balance transfer to XXXX but they said that they will not work with me individually. I opened a case with Citi but it is taking too long. I really need the money to pay off my debt. 

No one knows where the money went. It should have gone to XXXX but Citi sent it to XXXX which they deny.

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 monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Central Portfolio Control Inc.
State: TX

Complaint narrative:
Central portfolio control inc says they have an account in their office. Contacted XX/XX/XXXX at XXXX hours. Replied with stop to opt out of texting. Received message that Ive been unsubscribed. 
Contacted again on XX/XX/XXXX at XXXX. Same message. Opted out again. They contacted me XXXX time prior to the XXXX, however, I deleted that text.

Company response to consumer: Closed with explanation