vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX  XXXX SageStream , LLC XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX To Whom It May Concern, I am writing to formally dispute the information contained in my SageStream report. I have reviewed my report and request the removal of all personal and account information listed under my name, XXXX XXXX, as I believe it is not serving a valid purpose or has been included without my consent. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), I am requesting that you : 1. Remove all information related to me from your system.

2. Provide me with an updated copy of my XXXX report reflecting these changes. 

Please conduct an immediate investigation of this matter and complete the requested action within the 30-day timeframe as required by law. 

I look forward to your confirmation of receipt of this dispute and a timely resolution to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live 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 non-monetary relief
Consumer complaint received 2024-11-26 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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Transunion credit report on XX/XX/year> 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 generally, 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 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 2024-11-25 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: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live 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 2024-11-25 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: CA

Complaint narrative:
I checked my credit report today and I noticed an account in collections on my credit that I have no knowledge of and did not authorize, the account in question is for a phone line someone opened under my name that is now in collections, XXXX XXXX # XXXX, the collections agency is XXXX XXXX XXXX, the account was opened it says on XXXX of 2023, the amount its for is {$2400.00}. 
Please remove this account from my credit ASAP I have also obtained an FTC report for Identity Theft.

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 2024-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
I do not owe this debt it was sold to a collection agency without my permission and knowledge they are threatening to take legal action against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: CA

Complaint narrative:
Date : XX/XX/XXXX To Whom It May Concern : I am writing to dispute several unauthorized credit inquiries on my credit report. Upon reviewing my report, I noticed the following inquiries that I did not authorize : Details of Unauthorized Inquiries : Creditor/Company Name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Scheduled Removal Date : [ Insert Removal Date ] Business Type : [ Insert Business Type ] Contact Information : [ Insert Address and Phone Number ] Creditor/Company Name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Scheduled Removal Date : [ Insert Removal Date ] Business Type : [ Insert Business Type ] Contact Information : [ Insert Address and Phone Number ] Creditor/Company Name : XXXX Date of Inquiry : XX/XX/XXXX Scheduled Removal Date : XX/XX/XXXX Business Type : Miscellaneous Reporting Agencies Contact Information : [ No address or phone number provided ] Action Requested : I kindly request that you : Remove the inquiries from my credit report. transunion XXXX and XXXX  Provide written confirmation of the removal.

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 2024-11-25 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: CA

Complaint narrative:
Date : XX/XX/XXXX To Whom It XXXX Concern : I am writing to dispute several unauthorized credit inquiries on my credit report. Upon reviewing my report, I noticed the following inquiries that I did not authorize : Details of Unauthorized Inquiries : Creditor/Company Name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Scheduled Removal Date : [ Insert Removal Date ] Business Type : [ Insert Business Type ] Contact Information : [ Insert Address and Phone Number ] Creditor/Company Name : XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX Scheduled Removal Date : [ Insert Removal Date ] Business Type : [ Insert Business Type ] Contact Information : [ Insert Address and Phone Number ] Creditor/Company Name : XXXX Date of Inquiry : XX/XX/XXXX Scheduled Removal Date : XX/XX/XXXX Business Type : Miscellaneous Reporting Agencies Contact Information : [ No address or phone number provided ] Action Requested : I kindly request that you : Remove the inquiries from my credit reportXXXX XXXX equifax and XXXX  Provide written confirmation of the removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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: FL

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am disputing inaccurate bankruptcy information that is still being reported on my credit reports by TransUnion. 

The incorrect information is as follows : Bankruptcy Filing Date XXXX XXXX XXXX XXXX Bankruptcy Case Number : XXXX. 

I have documentation from XXXX confirming that the bankruptcy information has been removed from their records, and I have also received a letter from the bankruptcy court stating that they do not report bankruptcies to credit bureaus. 

Despite submitting this information to the credit bureaus, they have failed to remove the inaccurate bankruptcy from my credit reports. This inaccurate information is negatively impacting my credit score and causing ongoing financial harm. 

I request that the CFPB investigate this matter and help facilitate the removal of the inaccurate bankruptcy from TransUnion.

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 2024-11-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2024-11-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I have not received in writing SPECIFIC reasoning as to why PNC keeps denying my request for Discharge under the Holder Rule for my loan associated with the XXXX XXXX XXXX XXXX XXXX XXXX. Their messages have boiled down to the statement " PNC does not have a loan discharge program based on a school 's misconduct, and as a result, your request for reimbursement must be declined. ". That is not responding to what I am asking. CFPB Ombudsman reports have stated that the Holder Rule Notice is a Contractual Guarantee. In the FTC Staff Guidelines found on FTC.gov it talks about the Holder 's Obligations in regards to these loans. My Promissory note states that the Holder Rule effects my obligation to pay back the loan in a section outside of the primary notice. So I am trying to get a complete response that is extends beyond the " PNC does not have a loan discharge program based on a school 's misconduct, and as a result, your request for reimbursement must be declined. '' one offered to me because it doesn't line up with my Promissory Note, FTC Guidelines on the Holder Rule or the CFPB 's statements on the subject. The FTC Staff Guidelines states on page 18 " The Rule requires only that the documentation is used to make clear to both consumer and holder that the consumers obligations under the contract are subject to the Notice. ". PNC is obligated to follow the Holder Rule Notice. I will be expecting the response to this complaint to contain responses to the following questions : 1 ) What is the denial reason for the Holder Rule Notice Discharge? 2 ) Why doesn't PNC offer a discharge program that they are required to have to be compliant with the Holder Rule? 3 ) Why doesn't PNC offer a discharge program for school misconduct and school closures to keep itself from engaging in Unfair and Deceptive practices by separating the obligation of sellers to fulfill on services with the borrower 's duty to repay on potential fraudalent loans?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Advance America, Cash Advance Centers, Inc.
State: MO

Complaint narrative:
Adv America has notified me of an impending withdrawl of {$1000.00} for some debt I did not make.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live 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 2024-11-25 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: AZ

Complaint narrative:
My XXXX XXXX XXXX XXXX account was closed and is negatively impacting my credit report showing that I owe a balance. XXXX XXXX responded with a letter stating that because of an error on their end my Card Member Agreement was never sent to me and that they are sorry " something went wrong '' I have contacted them to dispute the account as I was never made aware of the terms and conditions of the credit account such as billing cycles, card spending limits, payment due dates, fees, or interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: AZ

Complaint narrative:
My XXXX XXXX XXXX XXXX account was closed and is negatively impacting my credit report showing that I owe a balance. XXXX XXXX responded with a letter stating that because of an error on their end my Card Member Agreement was never sent to me and that they are sorry " something went wrong '' I have contacted them to dispute the account as I was never made aware of the terms and conditions of the credit account such as billing cycles, card spending limits, payment due dates, fees, or interest rates.

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 2024-11-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH

Complaint narrative:
Account Number : XXXX Property Address : XXXX XXXX XXXX XXXX, OH XXXX Dear Customer ( s ) : SPS has received correspondence that we believe may be a request for assistance, or you submitted a Request for Mortgage Assistance Form ( RMA ). Unfortunately, the account is ineligible for one or more resolution options or it is ineligible for the option you selected on the RMA.

SPS may be able to help you with an alternate resolution option. Please contact us for details. 
If you have any questions, your assigned Relationship XXXX, XXXX, can be reached toll free at ( XXXX ) XXXX x XXXX or by email at XXXX. 
Notice of Error or Information Request If you believe there has been an error with the account or you require additional information, you may send a written Notice of Error or Information Request. All Notices of Error or Information Requests must be sent in writing to the address listed below, as this is our exclusive address under Federal Law for these matters. If you send your correspondence to any other address, it may not be processed in accordance with Federal law. 
Select Portfolio Servicing , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you, XXXX XXXX, is attempting to collect a debt from I, the consumer makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. 

XXXX XXXX is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you XXXX XXXX, is furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. 

This is a notice to CEASE and DESIST of illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX XXXX for the accounts opened XX/XX/year>. 

Failure to remove account in 15 days from my consumer report as requested will result in legal matters being taken and me turning you, XXXX XXXX, into the ( FTC ) Federal Trade Commission for aggravated identity theft and Fraud. 

If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply. 

Warm Regards, XXXX XXXX UCC1-308 Without Prejudice All Natural Rights Reserved

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