vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-25 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: IN

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in 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 non-monetary relief
Consumer complaint received 2024-06-25 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: IN

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-24 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:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-06-24 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: IL

Complaint narrative:
I am writing to formally dispute unauthorized inquiries that have appeared on my credit report. Please investigate and remove the following inquiries promptly : Inquiry Information : Inquiring Company : XXXXXXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/year> Inquiring Company : XXXX XXXX  XXXX of Inquiry : XX/XX/year> Inquiring Company XXXX XXXX Date of Inquiry : XX/XX/year>

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 2024-06-24 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-24 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: NY

Complaint narrative:
n 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 USC 1681. 

Account name : XXXX XXXX XXXX  via XXXX XXXX XXXX, Account name : XXXX XXXX  Account name : XXXX  XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX  Account name : XXXX  Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX  Account name : XXXXXXXX XXXX  via XXXX XXXX Account name : XXXX XXXX All these Account names listed has violated my rights I looked at my Transunion credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. and according to the fair credit report act Whenever a consumer reporting agency prepares a consumer report is shall follow reasonable procedure 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 ( 11 ) treatment of inaccurate or unverifiable information. 

( A ) In general, after any reinvestigation under paragraph ( XXXX ) of any information dispute 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 the 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. 

an 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 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 2024-06-24 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: AL

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling 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 2024-06-24 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: PA

Complaint narrative:
My credit report is showing an unauthorized, unverified inquiry. This inquiry has made my credit score decrease, according to the FCRA this unauthorized inquiry needs to be removed immediately off of my Transunion credit report. Listed below will be the date and account of the inquiry. 

Transunion : 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 non-monetary relief
Consumer complaint received 2024-06-24 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XX/XX/2024 Compliance Department XXXX XXXX XXXX [ Addresses of XXXX, XXXX, and XXXX ] Re : Dispute of Account Information Pursuant to Fair Debt Collection Practices Act ( 15 USC 1692c ) To Whom It May Concern, I am writing to dispute the accuracy of information regarding an account with JEFFERSON CAPITAL SYSTEMS, as reported by your agency. This dispute is made under the provisions of the Fair Debt Collection Practices Act ( 15 USC 1692c ).

Name on Credit Report : XXXX XXXX Account Number : XXXX Date of Report : XX/XX/2024 I have reviewed my credit report from [ XXXX XXXX and XXXX inaccurate information regarding my account with JEFERSON CAPITAL SYSTEMS. Specifically, the report states [ describe the specific inaccurate information, e.g., account balance, payment history, account status, etc. ]. 
Upon review of my records, I have confirmed that this information is incorrect. According to my records [ provide details supporting your claim, such as payment receipts, statements, or correspondence ]. 
I am requesting a thorough investigation into this matter in accordance with my rights under the Fair Debt Collection Practices Act. Please investigate this dispute and correct any inaccurate information in my credit report. Additionally, I request that you notify me in writing of the results of your investigation and provide a corrected copy of my credit report. 
Enclosed are copies of [ any supporting documents you have, such as payment receipts, account statements, or correspondence ]. These documents substantiate my claim and demonstrate the accuracy of my account information. 
Furthermore, please ensure that any corrected information is provided to all credit reporting agencies that have received this inaccurate information. 
Please acknowledge receipt of this dispute within 30 days and inform me of the actions taken to investigate and correct the information. You can reach me at the above-listed contact information if you require any further details or clarification. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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:
I recently reviewed my credit report and was alarmed to find that I am a victim of identity theft. Several accounts on my report were not opened by me. I am deeply concerned that this inaccurate information is included in my credit profile and that your organization has not upheld reasonable procedures to ensure maximum accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate information, and every step must be taken to ensure the information reported is completely accurate and correct. 

I have already contacted the Federal Trade Commission and filed a complaint ( # XXXX ). I kindly request that you block and eliminate all fraudulent information from my credit report and provide me with an updated copy in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of these accounts within four business days of receipt. Specifically, please block and remove all information related to identity theft, including the following : XXXX XXXX  Account number : XXXX XXXX XXXX  Account number : XXXX XXXX XXXX  Account number : XXXXXXXX XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Fraudulent Address ( XXXX ) XXXX Fraudulent Phone Number ( XXXX ) XXXX Fraudulent Phone Number. 

Additionally, in accordance with the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsections A-D, I am demanding actual proof that the information was verified, rather than a computer-generated confirmation. Please provide the following : The names and business addresses of each individual with whom you verified the information above, so that I can follow up, the date on which you contacted the individual information furnishers, and the method of communication used to verify the information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Universal Account Servicing, LLC
State: CA

Complaint narrative:
I've recently discovered that my account has been charged at an interest rate of XXXX %, a detail that was not explicitly communicated to me. The realization came as a surprise, especially after having paid {$1000.00} in interest, which I presumed would have reduced my principal significantly. It's essential for me to have clarity and transparency when it comes to financial matters, and this unexpected discovery has placed a considerable strain on my finances. 

I called them and they were rude, they said they will not do anything with this account, and i should take care of all the fine prints etc. 

DO NOT USE XXXX, or UNIVERSAL ACCOUNTING SERVICES. 

XXXX XXXX SEND ME TO THOSE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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: GA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-06-24 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: GA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-06-24 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: MO

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify 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 non-monetary relief
Consumer complaint received 2024-06-24 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:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY.

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system.

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer

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 2024-06-24 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: AL

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 2024-06-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-24 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: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED Please remove these fraudulent accounts from my credit report, as I did not open them and was unaware of their existence. According to USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-24 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:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-24 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:
PLEASE BLOCKED AND REMOVED I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-24 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: FL

Complaint narrative:
Having reviewed my credit report, I detected inaccurate accounts that did not arise from any error on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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: Mandarich Law Group, LLP
State: WI

Complaint narrative:
On XXXX XXXX I was notified by my employer Debt there was a wage garnishment from a company, I had not heard of stated that it was in court in Illinois, which I live in Wisconsin and have lived in Wisconsin for over a year at this time I was not notified I was not served, had no knowledge of the court date nor of a judgment my wages began being garnished on XXXX XXXX. I have a temper to contact the company or the law firm, and they have not responded nor have they stopped the wage garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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:
TRANSUNION is reporting fraudulent items to my credit report. I have been a victim of identity theft for the past XXXX  years. There have been Fraudulent Items being reported to my Credit Report. The following account XXXX XXXX XXXX ( Account Number:XXXX ), Original creditor : XXXXXXXX XXXX XXXX. Date Opened : XX/XX/XXXX. Balance {$760.00}. XXXX XXXX XXXX ( Account Number : XXXX ), Date Opened : XX/XX/XXXX. XXXX {$2600.00}. XXXX XXXX  XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX. XXXX {$1500.00}. XXXX XXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX. XXXX {$0.00}. XXXX XXXX  ( Account Number : XXXX, Date Opened : XX/XX/XXXX, XXXX {$4700.00}. XXXX XXXX XXXX  ( Account Number : XXXX, Date Opened : XX/XX/XXXX. XXXX {$85.00} I have never had an account with any of these companies. Cease the reporting of the fraudulent item being reporting 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 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
Mr Cooper home loan mortgage reported incorrect payment status on a mortgage that was closed XX/XX/year>. I have made several attempts to contact them to fix this situation and they will not reach out. File a dispute with XXXX and XXXX XXXX XXXX has provided false information I talk with their associate 30 days prior to closing, and they told me not to make the payment as it would be overpayment, now theyre reporting to credit bureau that I miss a payment / late.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CCF Intermediate Holdings LLC
State: ID

Complaint narrative:
I received a call from XXXX saying that they were a law firm representing Speedy Cash and that they were about to place a lien on all of my assets if I didnt resolve the matter today. I hung up and called Speedy Cash to verify if I had ever received money from them, in which they told me no I did not have any balance there that was placed for collection. They tried to call me again from XXXX and left a voicemail. I didnt not return this call. They stated that I owed {$5900.00} and would settle for {$1100.00}. Speedy Cash confirmed that I never had a balance with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED Please remove these fraudulent accounts from my credit report, as I did not open them and was unaware of their existence. According to USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.

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