vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/year> I sent a letter to XXXX XXXX and carbon copies to TransUnion and XXXX requesting the following : 1. Documentation verifying that I am the debtor, such as a copy of the signed contract or any other agreement showing my responsibility for this debt. 
2. Account details and transaction history, including a complete payment history, the original balance, and any fees or interest that have been added. 
3. Proof that your agency is legally authorized to collect this debt, including documentation of your legal standing as the debt owner or the collector on behalf of the original creditor. 

On XX/XX/year>, I received by mail a copy of a billing statement from another company not them or any other document requested. I explained this to Trans Union and XXXX Credit reporting that they were reporting erroneous, negative, information. No response and it is still being reported on 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 2024-12-28 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: AZ

Complaint narrative:
What happened ( Identity Theft ) : Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer 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, the TransUnion 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 a personal credit card account opened at XXXX XXXX XXXX on XXXX, XXXX under the account number, ( XXXX ), another personal credit card account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ), a personal credit card account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ) an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a personal loan account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ), a collections account opened at XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$830.00} that appears related to the aforementioned personal loan account opened at XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries 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, and collections are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hi, I am writing to correct my personal information on my credit report as it is inaccurate and I am having trouble with my credit applications because of it which is extremely frustrating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Sentry Recovery and Collections, Inc.
State: NV

Complaint narrative:
On XX/XX/year> Sentry Collections and Recovery inc. received my request for an investigation for a debt they claim I owe. In the request I asked for proof of their license to collect debt in my state. They failed to provide this. I also requested VALIDATION from this company for this debt. Instead, I received VERIFICATION that was NOT requested. Also, I requested the company provide me with their license numbers and registered agent or agent of service. This company has not provided either of these. Furthermore, your company has not responded to any of my letters in the mail. Your Company only responds when a complaint is made with the CFPB, and I have proof of this.I have attached ALL Return recipts from your company proving you have recived my many letters. Signed by a XXXX XXXX. Also, on the VERIFICATION ( not validation ) that i did not request you say that XXXX XXXX is both the Current and original creditor while at the same time saying that XXXX XXXX  is the current Creditor. Which is it?

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 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I reviewed my credit report and noticed several name variations that are not mine and should be removed. It should reflect XXXX XXXX XXXX XXXX, as this is my legal name. Inaccurate information like this can lead to fraud, identity theft, or confusion about my financial history, and it violates the Fair Credit Reporting Act ( FCRA ), which mandates that credit reports be accurate. My credit report should only contain my verified and correct details. Please update my report promptly to ensure its accuracy. Thank you for addressing this matter quickly.

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 2024-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
My phone number, email address was use to open account in my name using this information .I ask that this account be changed from Disputed to removed from my credit file. I have sent all the docements showing this account was fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: TX

Complaint narrative:
Upon thorough review of my credit record, I discovered concerning late payment entries that warrant immediate attention. Despite my diligent efforts, including multiple written communications sent over 30 days ago requesting validation of these items, I have received neither acknowledgment nor substantiation of these reported late payments. This lack of response and failure to provide proper verification necessitates formal intervention.

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 2024-12-27 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: John C. Heath, Attorney at Law, PLLC
State: SC

Complaint narrative:
I used Lexington law for credit repair and I was paying monthly it looks like things where coming off my credit and then they started to reappear after making all my monthly payments. So the services I paid for was not done and I lost hundreds of dollars for nothing!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: Avant Holding Company, Inc.
State: GA

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute an item on my credit report that I believe is being reported inaccurately. Specifically, there is a debt listed under WebBank that I do not own and that is not valid.

I believe my personal information has been misused, and this debt has been mistakenly associated with my name. I have reviewed my records and can confirm that I have no account, contract, or financial obligation with WebBank.

This incorrect information is causing harm to my credit score and could negatively impact my financial future. I respectfully request that you investigate this matter and ensure that the erroneous entry be deleted from my credit report as soon as possible. 
Please let me know what documentation or further steps are needed on my end to facilitate this process. I appreciate your prompt attention to this issue, and I look forward to your response. 
Thank you for your time and assistance. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute an item on my credit report that I believe is being reported inaccurately. Specifically, there is a debt listed under XXXX that I do not own and that is not valid. 
I believe my personal information has been misused, and this debt has been mistakenly associated with my name. I have reviewed my records and can confirm that I have no account, contract, or financial obligation with XXXX. 
This incorrect information is causing harm to my credit score and could negatively impact my financial future. I respectfully request that you investigate this matter and ensure that the erroneous entry be deleted from my credit report as soon as possible.

Please let me know what documentation or further steps are needed on my end to facilitate this process. I appreciate your prompt attention to this issue, and I look forward to your response. 
Thank you for your time and assistance. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 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: ID

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I asked you to investigate the inaccuracies on this account. You did not fix the inaccuracies in that investigation. So, on XX/XX/XXXX I asked you to re-investigate this account and fix the inaccuracies. After your re-investigation, you still failed to fix the inaccuracies on this account. I asked again to fix the inaccuracies on XX/XX/XXXX, and you still failed to fix the inaccuracies. So, now after asking you to fix the inaccurate and fraudulent data on my credit report 3 times, it is still showing up inaccurately. You are showing that this account was charged off every single month from XX/XX/XXXX to XX/XX/XXXX. Obviously accounts can not be charged off 7 times. This is intentionally fraudulent and re-aging my account. This is highly injurious to my credit, it undermines the faith in the credit reporting system, is illegal, and against the FCRA statutes. I am demanding a deletion of this account. Failure to comply with this demand within the specified timeframe will leave me no choice but to pursue legal remedies, which may include filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as seeking damages through litigation. I look forward to your prompt response and resolution of this matter. Please confirm receipt of this letter and provide a written response outlining the steps you are taking to address this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: John C. Heath, Attorney at Law, PLLC
State: MD

Complaint narrative:
Stating that incorrect information was being removed but it wasnt being removed and if it was removed it would come right back. Incorrect balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: NY

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-12-28 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: CT

Complaint narrative:
Subject : Dispute of Account Reporting TransUnion XXXX XXXX I am writing to formally dispute the reporting of an account on my credit report that I believe is inaccurate. The account in question is XXXX, XXXX, XXXX, and XXXX... which has been reported as written off. 

While I acknowledge that this account was written off, I did not receive a Form 1099-C, Cancellation of Debt, which would indicate that the debt has been canceled and reported to the IRS. According to IRS guidelines, a 1099-C should be issued for canceled debts. The absence of this form suggests that the debt may not have been officially canceled, or that proper procedures were not followed by the creditor.

I request that you investigate this matter and verify the accuracy of the reporting for this account. If the reporting creditor is unable to provide documented evidence of the cancellation or a valid 1099-C form, I ask that you remove this account from my credit report. 

I appreciate your prompt attention to this matter and look forward to your response. Please feel free to contact me at [ XXXX or XXXX should you need any further information to assist with this dispute. 

Thank you for your time and assistance. 

Sincerely,

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 2024-12-28 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: CT

Complaint narrative:
Subject : Dispute of Account Reporting XXXX XXXX Equifax, I am writing to formally dispute the reporting of an account on my credit report that I believe is inaccurate. The account in question is XXXX, XXXX, XXXX, and XXXX... which has been reported as written off. 

While I acknowledge that this account was written off, I did not receive a Form 1099-C, Cancellation of Debt, which would indicate that the debt has been canceled and reported to the IRS. According to IRS guidelines, a 1099-C should be issued for canceled debts. The absence of this form suggests that the debt may not have been officially canceled, or that proper procedures were not followed by the creditor. 

I request that you investigate this matter and verify the accuracy of the reporting for this account. If the reporting creditor is unable to provide documented evidence of the cancellation or a valid XXXX form, I ask that you remove this account from my credit report. 

I appreciate your prompt attention to this matter and look forward to your response. Please feel free to contact me at [ XXXX or XXXX should you need any further information to assist with this dispute. 

Thank you for your time and assistance. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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: NC

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report a XXXX fraudulent account appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a XXXX account opened at XXXX XXXX XXXX  XXXX {$1000.00} opened XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$620.00} opened XXXX these accounts have resulted in a fraudulent accounts appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
CFPB Complaint against Credit Reporting Agency bureaus : Experian, What happened ( statement of pertinent facts ) : Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXXXXXX XXXX XXXXXXXX ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, account have resulted in a account appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries 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 as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 
What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA XXXX ( XXXX XXXX XXXX ), that the Experian credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC.
State: IN

Complaint narrative:
Went to check my credit and saw inquires that was not authorized by me from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 that was not an authorized account I dont have a XXXX account!

Company response to consumer: Closed with explanation