vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-29 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: GA

Complaint narrative:
EQUIFAX, XXXX XXXX XXXX ALLOWED XXXX XXXX TO REPORT MY ACCOUNT AS A CHARGE OFF WITH A BALANCE DUE. 

EQUIFAX, AND XXXX ALLOWED DEPT OF ED TO REPORT MULTIPLE ACCOUNTS HAVING XXXX LATE PAYMENTS WHEN XXXX IS REPORTING XXXX LATE PAYMENTS. 

EQUIFAX, XXXX XXXX XXXX ALLOWED XXXX  XXXX XXXX TO REPORT ACCOUNT XXXX AS BEING A CHARGE OFF WITH A BALANCE DUE. 

EQUIFAX XXXX XXXX XXXX ALLOWED XXXX  XXXX XXXX TO REPORT ACCOUNT XXXX BEING A CHARGE OFF WITH A BALANCE DUE. 

EQUIFAX, XXXX XXXX XXXX REPORTED MISSED PAYMENTS ON THE XXXX XXXX XXXX  ACCOUNT XXXX. 

XXXX IS REPORTED XXXX  AS REVOLVING ACCOUNT BUT THE ACCOUNT IS NOT LISTED ON XXXX OR EQUIFAX. 

THESE ERRORS ARE ILLEGAL AND UNETHICAL. PLEASE REMOVE ALL ACCOUNTS IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-29 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: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
Section code 1681e I didnt give anyone any permission to run my credit please take it down off my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to inform you that I have been a victim of identity theft, which has led to the inclusion of multiple fraudulent entries on my credit report without my knowledge or consent. Unauthorized accounts and inquiries have been added to my report, none of which I have authorized. 

ACCOUNTS - XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES- 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 XXXXXX/XX/XXXX I have already reported this identity theft to the Federal Trade Commission ( FTC ) and now request the immediate removal of these fraudulent items to ensure the accuracy of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

15 U.S.C 1681 section 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 : that no consumer reporting agency may take 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 seven years. 

15 U.S.C 168s-2 ( A ) ( 1 ) A person shall 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. 

Date Reported, Company, and Address XX/XX/XXXXXXXX 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 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 2024-08-29 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

15 U.S.C 1681 section 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 : that no consumer reporting agency may take 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 seven years. 

15 U.S.C 168s-2 ( A ) ( 1 ) A person shall 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. 

Date Reported, Company, and Address XX/XX/XXXXXXXX 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 XXXX XXXX XXXX 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 2024-08-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am seeking your help to address the incorrect account listed on my credit report. This issue has negatively impacted my reputation, and I require your support. Due to your errors in handling my credit report, my reputation has been severely harmed. It is crucial that you remove these inaccuracies so I can live normally 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 2024-08-29 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: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I reached out to RBFCU and someone opened XXXX checking accounts in Texas and I live in Maryland and they also opened a credit card and then never paid it and now its hurting my credit. I request all accounts to be closed and the credit card removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 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: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-29 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: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-29 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: GA

Complaint narrative:
XXXX, XXXX XXXX TRANSUNION ALLOWED XXXX XXXX TO REPORT MY ACCOUNT AS A CHARGE OFF WITH A BALANCE DUE. 

XXXX, AND XXXX ALLOWED DEPT OF ED TO REPORT MULTIPLE ACCOUNTS HAVING 9 LATE PAYMENTS WHEN TRANSUNION IS REPORTING 0 LATE PAYMENTS. 

XXXX, XXXX XXXX TRANSUNION ALLOWED XXXX XXXX XXXX TO REPORT ACCOUNT XXXX AS BEING A CHARGE OFF WITH A BALANCE DUE. 

XXXX XXXX XXXX TRANSUNION ALLOWED XXXX XXXX XXXX TO REPORT ACCOUNT XXXX BEING A CHARGE OFF WITH A BALANCE DUE. 

XXXX, XXXX XXXX TRANSUNION REPORTED MISSED PAYMENTS ON THE XXXXXXXX XXXX XXXX ACCOUNT XXXX. 

TRANSUNION IS REPORTED XXXX AS REVOLVING ACCOUNT BUT THE ACCOUNT IS NOT LISTED ON XXXX OR XXXX. 

THESE ERRORS ARE ILLEGAL AND UNETHICAL. PLEASE REMOVE ALL ACCOUNTS IMMEDIATELY.

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 2024-08-29 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: GA

Complaint narrative:
XXXX, EXPERIAN XXXX XXXX ALLOWED XXXX XXXX TO REPORT MY ACCOUNT AS A CHARGE OFF WITH A BALANCE DUE. 

XXXX, AND EXPERIAN ALLOWED DEPT OF ED TO REPORT MULTIPLE ACCOUNTS HAVING 9 LATE PAYMENTS WHEN XXXX IS REPORTING 0 LATE PAYMENTS. 

XXXX, EXPERIAN & XXXX ALLOWED XXXX XXXX XXXX TO REPORT ACCOUNT XXXX AS BEING A CHARGE OFF WITH A BALANCE DUE. 

XXXX EXPERIAN XXXX XXXX ALLOWED XXXX XXXX XXXX TO REPORT ACCOUNT XXXX BEING A CHARGE OFF WITH A BALANCE DUE. 

XXXX, EXPERIAN XXXX XXXX REPORTED MISSED PAYMENTS ON THE XXXX XXXX XXXX ACCOUNT XXXX. 

XXXX IS REPORTED XXXX  AS REVOLVING ACCOUNT BUT THE ACCOUNT IS NOT LISTED ON EXPERIAN OR XXXX. 

THESE ERRORS ARE ILLEGAL AND UNETHICAL. PLEASE REMOVE ALL ACCOUNTS IMMEDIATELY.

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 2024-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I pulled my credit report and noticed a collection company that I never did business with. I do not have a signed contract with this company and Im not aware of who they are. 

I would like this company to delete the account and request that the credit bureaus remove the account from my credit report. 

I have attached a copy of my drivers license, social security card, and utility bill for identity verification purposes. Please send me proof once this account is removed. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

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

Account Name : XXXX - Account NumberXXXX Account Name : XXXX - Account NumberXXXX Account Name : XXXX - Account Number:XXXX Account Name : XXXX - Account XXXX Account Name : XXXX XXXX XXXX XXXX - Account XXXX Account Name : XXXX - Account XXXX Account Name : XXXX - Account NumberXXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account XXXX : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number:XXXX Account Name : XXXX XXXX - Account XXXX Account Name : XXXX XXXX- Account XXXX Account Name : UNKNOWN - Account Number : XXXX UNAUTHORIZED INQUIRIES : 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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 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: TX

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

XXXX XXXX XXXX XXXXXXXX Balance : {$21000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX - Balance : {$970.00} Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX - Balance : {$1400.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX # XXXX Balance : {$2900.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX - Balance : {$1000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2024-08-29 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: Experian Information Solutions Inc.
State: TX

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

XXXX XXXX XXXX XXXXXXXX Balance : {$21000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX - Balance : {$970.00} Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX - Balance : {$1400.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX # XXXX Balance : {$2900.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - Balance : {$1000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2024-08-29 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: PA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XX/XX/2024 - - Inquiry In Dispute XX/XX/XXXX Inquiry In Dispute XXXXXX/XX/XXXXInquiry In Dispute XX/XX/XXXX XXXX XX/XX/2024 - - Inquiry In Dispute XX/XX/XXXX Inquiry In Dispute has violated my rights. 

I looked at my Equifax credit report on XX/XX/2024 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 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 suppose 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 response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
I am writing to formally dispute a recent report submitted by Columbia Debt Recovery, which has adversely impacted my credit report. I was unaware of any outstanding debt until my lender informed me that Columbia Debt Recovery placed a collection for attorney fees totaling {$140.00} on XX/XX/XXXX. Columbia Debt Recovery then reported to all three credit agencies without having informed me of a debt collection. 

The original creditor for this alleged debt is XXXX at XXXX, where I held a lease for a two-bedroom apartment from XX/XX/XXXX to XX/XX/XXXX. During this period, I paid all rent, additional charges, utilities, and shared complex utilities on time, without any late payments. Upon vacating the apartment, I ensured it was left in a clean, undamaged, and its original state at the start of my tenancy. I have retained photo documentation of this condition. 

I was subsequently notified via the rent portal for excessive fees related to painting, carpets, and blinds that did not comply with XXXX  XXXX XXXX XXXX. I requested an itemized bill for these charges but received no further correspondence from XXXX at XXXX. 

Upon discovering the collection report by Columbia Debt Recovery, I made multiple attempts to obtain a detailed explanation and supporting evidence of this debt from both Core at XXXX and Columbia Debt Recovery. Unfortunately, I received no response, documentation, or proof to verify the legitimacy of this debt. 

Given the lack of evidence and the unresolved nature of this dispute, I request that the reported debt be removed from my credit report immediately. The entry is inaccurate and unsubstantiated. 

Please inform me of the actions taken. I appreciate your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief