vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-24 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: NJ

Complaint narrative:
This is my 2nd endeavors to tell the 3 credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX Balance : {$810.00} XXXX XXXX Balance : {$860.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$59000.00} XXXX XXXX XXXXXXXX Balance : {$5300.00} XXXXXXXX XXXX XXXXXXXX Balance : {$58000.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX XXXX {$1100.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-24 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:
This is my 2nd endeavors to tell the 3 credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX Balance : {$810.00} XXXX XXXX Balance : {$860.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$59000.00} XXXX XXXX  XXXX Balance : {$5300.00} XXXX XXXX XXXX Balance : {$58000.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX {$1100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This account information is all over the place. Account shows open XX/XX/XXXX. Means the account is reporting past the XXXX years. Also the account shows closed XX/XX/XXXX but also states i made a XXXX  day late in XXXX XXXX which is incorrect. i couldnt be XXXX  days late after the account has already closed. And if it closed in XXXX, where is the monthly history reporting from XX/XX/XXXX to till XX/XX/XXXX. The information on this account is inaccurate. I was never late. The account needs to reflect CLOSED/NEVER LATE or the account NEEDS TO BE REMOVED.

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 2024-05-24 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: FL

Complaint narrative:
REINVESTIGATION I desagree with the previous investigation of the account listed below which still appears on my credit report even after your investigation I would like this item immediately reinvestigated the inaccuracy are highly injurious to my credit score XXXXXXXX XXXX XXXX XXXX  account number # XXXX XXXX XXXX XXXX account number # XXXX ACCOUNT TRANSFERRED OR SOLD FROM XXXXXXXX XXXX XXXX XXXXXXXX In accordance with the fair credit reporting Act.Public law 91-506, Title VI, section 611, subsection A-D, please provide the name and business addresses of each individual with whom you verified the above, so that I may follow up. Please give me an update copy of my credit report after your investigation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-24 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2024-05-24 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: MA

Complaint narrative:
I had a sally mae loan, customer ID # XXXX. I was paying the loan. I XXXX XXXX XXXX because the XXXX XXXX XXXX  for closed because of a XXXX ; XXXX XXXX. They are still closed after 2 years. I asked for a forbearance, temporarily or lowered payments but was denied. I began making payments on my credit card. It added up quickly at 28 % interest. This was nuts I thought and stopped after many payments. I called the ombudsman who informed me that {$20000.00} was given to a collection agency. And shortly after this all of my loans were forgiven. I think the loan agency knew my loans would be forgiven because I'd been paying student loans since XXXX ( XXXX years ) and qualified for forgiveness. 
XXXX XXXX bought my loans and I was paying them. Debt # XXXX. Then XXXX XXXX sold my loan to another agency XXXX. I called XXXX and complained that I think this is an illegal debt and I want more information. It is a bad mark on my credit report. 
Should I have been granted a forbearance? Or a reduction in payment?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 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: CA

Complaint narrative:
I am writing to address an error on my credit report, which was inaccurately processed by XXXX The bank failed to send statements due to a very small balance. Upon identifying this issue, I promptly contacted XXXX to rectify the error. They acknowledged the error in their recording software and agreed to update the payment status to " open/never late '' to accurately reflect my payment history. It is imperative that this correction be made on my credit report to ensure the accuracy of my financial standing. I kindly request that you update this information accordingly to reflect the correct payment status. 

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 2024-05-24 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX Credit Card with account # XXXX opened on XX/XX/year> and a balance of {$810.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXXXXXX Unsecured Loan with account # XXXX opened on XX/XX/year> and a balance of {$0.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$1400.00}. The original creditor is XXXX XXXX XXXX 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account.

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 2024-05-24 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: MA

Complaint narrative:
Inaccurate information has been posted to my credit file due to identity theft. I have received letters from different companies stating that my information has been compromised. Ive sent out communications to all XXXX credits bureaus notifying them of there misconduct, reporting inaccuracies especially without my consent. I demanded to cease and desist, and that the inaccurate information be removed. However, they removed some information and then reapplied it to my credit file without any notification. I have suffered defamation of character, discrimination and extensive damages due to inaccurate reporting. I do not recognize the information on my credit file, I have not made any updates to my profile, and I do not authorize any information posted without my consent. The companies involved are ; ( Transunion, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX and XXXX. ) This is securities fraud and 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 2024-05-24 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: MA

Complaint narrative:
Inaccurate information has been posted to my credit file due to identity theft. I have received letters from different companies stating that my information has been compromised. Ive sent out communications to all XXXX credits bureaus notifying them of there misconduct, reporting inaccuracies especially without my consent. I demanded to cease and desist, and that the inaccurate information be removed. However, they removed some information and then reapplied it to my credit file without any notification. I have suffered defamation of character, discrimination and extensive damages due to inaccurate reporting. I do not recognize the information on my credit file, I have not made any updates to my profile, and I do not authorize any information posted without my consent. The companies involved are ; ( XXXX, Equifax, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX and XXXX. ) This is securities fraud and identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc.
State: AZ

Complaint narrative:
Amsher collections has an account on my name for XXXX for XXXX. But I have a confirmation number for my final bill with that exact amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My credit lender are experiencing difficulty in accessing my credit information through service this has not only caused delays, but also has the potential to negatively impact my financial plans and credit standing they said it identified theft on my report i keep getting denied due to this 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 explanation
Consumer complaint received 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit lender are experiencing difficulty in accessing my credit information through service this has not only caused delays, but also has the potential to negatively impact my financial plans and credit standing they said it identified theft on my report i keep getting denied due to this on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I recently called Bank of America regarding 2 charges I did not authorize to a company called XXXX XXXX and was told this is a company XXXX uses and is charging ME when I pay a XXXX XXXX. I did NOT authorize these deductions and believe this to be illegall. Bank of America has told me they can not help me or do anything about this. And yet a third party company that a payee ( XXXX ) has hired is allowed to withdraw money from my bank account without my authorization.. I am not a customer of XXXX. this is wrong and illegal. Please help me with 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 2024-05-24 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: IL

Complaint narrative:
According to FCRA 605B, you are required to delete any erroneous accounts from my credit report. This account has been incorrectly reported on my credit file, so it needs to be removed. I should receive {$1000.00} for each mistake on my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-24 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report, I observed inaccuracies in the listed accounts that need to be reported and corrected by 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 2024-05-24 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: TX

Complaint narrative:
I saw that I have an unauthorized credit inquiry

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-24 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: EQUIFAX, INC.
State: CA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. has violated my rights. 
Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXXXXXX 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 supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear credit bureaus, I am writing to formally dispute the accuracy of a collection account listed on my credit report. The details of the account are as follows : Creditor Name : XXXX XXXX XXXX Account Number : XXXX XXXX Date Opened : XX/XX/year> ( as reported ) After carefully reviewing my credit report, I have noted that this account is being reported as opened in XX/XX/year>. I do not recall ever opening an account with this creditor on the specified date. Therefore, I am requesting the following information in accordance with the Fair Credit Reporting Act ( FCRA ) : Method of Verification : Please provide a detailed description of the procedures used to verify the accuracy of the information regarding this collection account. I would like to know the specific method and sources you utilized in your verification process. 

Source Information : Please provide the name and contact information of the original source that provided this account information to XXXX. 

Documentation of Account : I request a copy of any contract or agreement that bears my signature and indicates that I opened this account in XX/XX/year>. I would like to review the original documentation to verify the legitimacy of this account. 

Under the FCRA, I am entitled to request this information, and I expect a prompt response from your office within 30 days from the date of receipt of this letter. If the disputed account can not be verified or if the requested documentation is not available, I request that this account be removed from my credit report immediately. 

Please confirm receipt of this letter and provide me with the requested information at your earliest convenience. I appreciate your prompt attention to this matter. 

Thank you for your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
I always make my payments on time, so I am confident in my payment history. What I don't understand is why this company is reporting me as late for certain months, which shouldn't be happening. According to USC 1666b, any billing errors should be promptly corrected.

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