vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-29 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: HW Holding, Inc
State: TN

Complaint narrative:
First, the collection is from apparently from XXXX XXXX which this account was already closed by consumer report because it was a fraud. Now they are trying to put it again with a different collection, but they said is 2 collections and the one is on my credit is the one from XXXX XXXX for the amount of XXXX. However, they are putting 2 different accounts so obviously this is a FRAUD because they trying to match 2 different accounts, they are not mine. I demand this DELETED IMMEDIATELY! 

They response this and is not right anything they said they are matching 2 different accounts, Hunter Warfield , Inc. is a third-party collection agency headquartered in XXXX, XXXX. Since XXXX, Hunter Warfield , Inc. has provided effective collection services for its clients in the multifamily, commercial, and funeral industries. Hunter Warfield does not purchase or own debt ; it collects on accounts referred to by its clients. Hunter Warfield and its people are committed to ensuring that the consumer is dealt with in a professional, caring manner. Complaint # XXXX has been reviewed. We have also reviewed our collection notes and records. The consumer indicates Hunter Warfield reported a debt without his consent and argues that reporting without consent constitutes identity theft. The consumer further demands the removal of the debt from his credit report. XXXX XXXX XXXX, XXXX referred an account to Hunter Warfield for collection on XX/XX/XXXX, listing the principal amount due of {$7100.00}. The initial collection letter was sent to the consumer on XX/XX/XXXX. XXXX XXXX  referred an account to Hunter Warfield for collection on XX/XX/XXXX, listing the principal amount due of {$2800.00}. The initial collection letter was sent to the consumer on XX/XX/XXXX. Given the information presented by the consumer and after a review of the accounts, Hunter Warfield has submitted a request to the credit bureaus for removal of any information concerning the debt. In addition, Hunter Warfield has closed its collection accounts. If the consumer has additional questions, he may contact XXXX XXXX of Hunter Warfield 's Consumer Resolution Department at XXXX or via telephone at XXXX or the toll-free number XXXX. 

These Accounts should not be furnished in my consumer report as they are in VIOLATION!!! Under, 15 U.S. code 1681b-Permissible purpose of a consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protect consumer. NO CONSENT IS IDENTIFY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Please remove the inaccurate accounts being reported on my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: Thaxton Investment Corporation
State: WI

Complaint narrative:
We got a loan out on our car, and we were making payments for a while until we got our hours at work reduced, both of us had our names on the loan. I injured my back at work and I'm off without workers comp. My wife is XXXX old and she recently retired getting SSA benefits next month, and she only works XXXX  days a week. We are well below the poverty rate. We sent proof that we get food stamps, and we sent the document to the company to get the garnishments of wages stopped. It didn't stop, so I called the person assigned to the account of the loan and she said she got the document, and it should be stopped soon. As of this week, the garnishments of wages are still taking my wife 's money. I told her I was going to make a complaint if it didn't stop by next check and here, I am complaining.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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: CA

Complaint narrative:
Subject : Dispute of Inaccurate Credit Reporting and Request for 1099-C Documentation To Whom It May Concern, I am disputing the accuracy of an account listed on my credit report under 15 USC 1681s-2 , which mandates the reporting of accurate and verifiable information.

The account in question is as follows : 1. Account Name : 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 The balance currently being reported is inaccurate and potentially unlawful. Per Gugger v. USAA Federal Bank, the issuance of a 1099-C form by a creditor indicates the occurrence of an identifiable event of debt cancellation. Under IRS regulations, Event Code 7 defines such an event as a discharge of indebtedness due to the creditors policy decision to cease collection activity and cancel the debt.

If a 1099-C form has been issued for this account, the debt has been canceled, and reporting a balance is inaccurate and misleading. I am requesting the following : Verification of the Account Balance : Provide evidence demonstrating that the balance is accurate and collectible.

Provision of the 1099-C Form : If issued, provide a copy to verify the identifiable event.

Immediate Deletion of the Account : If the debt was discharged under Event Code 7 or can not be verified, you are required to delete this negative information under the Fair Credit Reporting Act.

Please investigate this matter within the legally required 30-day timeframe. Failure to respond appropriately will result in further action.

Thank you for your prompt attention. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 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: OH

Complaint narrative:
To Whom It May Concern, I am writing to bring your attention to an issue with the accuracy of my consumer report, which violates the Fair Credit Reporting Act ( FCRA ). Pursuant to 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to ensure maximum possible accuracy of the information they report. 

I have noticed that the account reported by XXXX XXXX is erroneously marked as a " Charge Off. '' Please be advised that under the FCRA, a " Charge Off '' can only occur once. The repeated or inconsistent reporting of this status is inaccurate and misleading. 

I request that you : Conduct an immediate investigation into this matter. 
Verify the accuracy of the " Charge Off '' information with XXXX XXXX. 
Correct or delete the inaccurate information from all of my consumer reports if XXXX XXXX can not substantiate the accuracy of their reporting. 
I expect this issue to be resolved promptly, and I request written confirmation of the investigation and any corrections made to my report. Please note that under the FCRA, I am entitled to a response to my dispute within 30 days. 

Thank you for your prompt attention to this matter. If you need further details or documentation from me to assist with your investigation, please do not hesitate to contact me. 

Sincerely, XXXXXXXX XXXX XXXXXXXX

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 2024-11-29 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: GA

Complaint narrative:
I just recently looked at my credit report and noticed that some accounts have late payments during a time spent in imprisonment, However I talked to these creditors below and I should not have any missed payments. 
Account Name : XXXX XXXXXXXX XXXX  XXXX Account Number : XXXX Date Open XX/XX/XXXX Reinvestigate and update payment XX/XX/XXXX to on time. DELETE 30 Day late from my credit report due to violation of 15 USC 1681s-2 ( F ) Account Name : XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Reinvestigate and update payment XX/XX/XXXX to on time. DELETE 30 Day late from my credit report due to violation of 15 USC 1681s-2 ( F )

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 2024-11-29 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: GA

Complaint narrative:
I just recently looked at my credit report and noticed that some accounts have late payments during a time spent in imprisonment, However I talked to these creditors below and I should not have any missed payments. 
Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Date Open XX/XX/XXXX Reinvestigate and update payment XX/XX/XXXX to on time. DELETE 30 Day late from my credit report due to violation of 15 USC 1681s-2 ( F ) Account Name : XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Reinvestigate and update payment XX/XX/XXXX to on time. DELETE 30 Day late from my credit report due to violation of 15 USC 1681s-2 ( F )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 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: NV

Complaint narrative:
Bureau failed to remove or correct this inaccurate information after my multiple attempts to dispute it, you are in violation of **15 U.S.C. 1681i** for failing to conduct a reasonable investigation into my dispute. According to **15 U.S.C . 1681e ( b ) **, they are required to ensure maximum possible accuracy in my credit report, and right now, youre falling short.

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 2024-11-30 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 have multiple fraudulent and inaccurate accounts that have been reported on my consumer credit file. These accounts are not mine, and I am not legally responsible for them. Despite my efforts to dispute the inaccuracies directly with the credit reporting agency, they failed to take the necessary steps to investigate or remove the information from my report. The presence of this fraudulent information has caused significant harm to my creditworthiness and financial situation. I request that this matter be investigated further and the inaccurate information be removed from my credit report as required by the Fair Credit Reporting Act ( FCRA ).

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 2024-11-29 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 writing to formally notify you that I have been a victim of a data breach, and fraudulent accounts have been opened in my name. In accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that you block and delete the following accounts and bankruptcy entries from my credit report immediately, as they are not authorized by me : XXXX. XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$6100.00} XXXX. XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX. Bankruptcy XXXX XXXX : XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX. Bankruptcy XXXX XXXX : XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX. Bankruptcy XXXX XXXX : XXXX Date : XX/XX/XXXX Balance : {$0.00}

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 2024-11-29 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: OH

Complaint narrative:
THIS IS THE THIRD ATTEMPT TO HAVE EXPERIAN RECTIFY THEIR IMPROPER REPORTING. 

On XX/XX/XXXX, I mailed a formal dispute to Experian by CERTIFIED MAIL via USPS with tracking information XXXX, which was delivered on XX/XX/XXXX. I demanded that Experian remove two ( 2 ) hard inquiries that were UNAUTHORIZED : A hard inquiry by XXXX XXXX on XX/XX/XXXX, and a hard inquiry by XXXX CARD on XX/XX/XXXX. 

On XX/XX/XXXX and XX/XX/XXXX, I filed CFPB complaints demanding that Experian remove these XXXX ( XXXX ) UNAUTHORIZED HARD INQUIRIES from my credit report. 

As of XX/XX/XXXX, Experian has FAILED TO COMPLY WITH ITS LEGAL OBLIGATION to remove UNAUTHORIZED INQUIRIES. 

In its most recent response to me on XX/XX/XXXX, Experian erroneously claims " disputed item not listed on credit report '' while providing said report which CLEARLY INCLUDES THE DISPUTED ITEM.

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 2024-11-29 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: NY

Complaint narrative:
Subject : Dispute of Late Payment Accounts Request for Investigation and Removal Dear TransUnion, I am writing to formally dispute the reporting of late payments on the following accounts as listed on my credit report. These accounts contain inaccurate or unverifiable information and are impacting my credit score unfairly. 

Accounts in Dispute 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  ) Under 15 U.S. Code 1681s-2 ( a ), furnishers of information are required to report accurate data and correct any inaccuracies. Furthermore, under 15 U.S. Code 1666 ( b ), creditors must apply payments accurately and resolve disputes regarding billing errors promptly. Finally, 12 CFR 1026.13 provides protections for billing error resolution under Regulation Z of the Truth in Lending Act. 

I am requesting a thorough investigation into the accuracy of these late payments. If the information can not be verified, I request that these records be corrected or deleted from my credit report. 

Supporting Documents I have included the following documents to assist with your investigation : A copy of my identification Proof of current address Under the Fair Credit Reporting Act ( FCRA ), please complete this investigation and respond in writing within 30 days of receiving this letter. 

Thank you for your time and attention to this matter. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2024-11-29 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: TX

Complaint narrative:
XXXX XXXX Social Security XXXX, Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX opened XX/XX/XXXX under the account number XXXX, XXXX  opened XXXX account number XXXX, XXXX XXXX XXXX  opened XX/XX/XXXX account XXXX XXXX, XXXX XXXX XXXX  opened XX/XX/XXXX account XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX account number XXXX XXXX XXXX  collection opened XX/XX/XXXX account XXXX ) XXXX XXXX XXXX XXXX XXXX  opened XX/XX/XXXX account number XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX have XXXX XXXX XXXX fraudulent collections XXXX on my consumer XXXX credit report. I've attached a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or negative accounts listed above. The aforementioned accounts, collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: NC

Complaint narrative:
On XX/XX/XXXX I took out a payday loan from XXXX XXXX in the amount of {$340.00} that became past due. They then sold this account to the client/collector National Credit Adjusters which I was advised this company is a third-party of XXXXXXXX XXXX XXXX who receive my payment to settle the account in full on XX/XX/XXXX. The state of South Carolina ( XXXX XXXX XXXX ) states their system was never updated with the correct information of closures and still being reported as open account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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: CA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

ACCOUNTS : XXXX XXXX XXXX I looked at my credit report and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-11-30 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: TX

Complaint narrative:
Recently checking my credit report I noticed that I've been a victim of identity theft and found numerous credit inquiries I have no knowledge of here are the inquiries that I've found : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year>, Please remove these fraudulent inquiries from my credit report. I also attached my identity theft report as well.

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