vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-09 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: NC

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09 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 sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09 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: IL

Complaint narrative:
The primary address on the credit report is not mine. If any of my account representatives sent mail to that address it would not get to me. I need the 2nd address to be the only address on the credit report. There are multiple names and variations of names on the report. only 1 of the names is my legal name.

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 2023-12-09 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: IL

Complaint narrative:
The primary address on the credit report is not mine. If any of my account representatives sent mail to that address it would not get to me. I need the 2nd address to be the only address on the credit report.

There are multiple names and variations of names on the report. only 1 of the names is my legal name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: AZ

Complaint narrative:
I have two creditors saying I have student loans with them. One is XXXX who said they sold to XXXX XXXX Both are collecting on my credit reports and bringing m y score down with payments that are not due and accounts that are no longer theirs. One company needs removed my debt is double and it had been disputed multiple times. This is what it looks like on all three credit reporting companies XXXX XXXX XXXX XXXX loans Total balance : {$86000.00} DEPT OF ED/XXXX LATE PAYMENT Balance {$740.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX LATE PAYMENT Balance {$5800.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX LATE PAYMENT Balance {$11000.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX LATE PAYMENT Balance {$500.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX LATE PAYMENT Balance {$5800.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX LATE PAYMENT Balance {$3100.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX LATE PAYMENT Balance {$6000.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX LATE PAYMENT Balance {$2800.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX Balance {$5700.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX Balance {$3700.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX Balance {$3900.00} Balance updated XX/XX/2023 XXXX LATE PAYMENT Balance {$4000.00} Balance updated XX/XX/2023 XXXX LATE PAYMENT Balance {$11000.00} Balance updated XX/XX/XXXX XXXX XXXX LATE PAYMENT Balance {$2700.00} Balance updated XX/XX/XXXX XXXX XXXX LATE PAYMENT Balance {$7400.00} Balance updated XX/XX/XXXX XXXX XXXX LATE PAYMENT Balance {$6300.00} Balance updated XX/XX/XXXX XXXX XXXX LATE PAYMENT Balance {$3800.00} Balance updated XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 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 checked my credit report and notice multiple inquiries that I did not authorize.

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 2023-12-09 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:
I am reaching out to address alarming inconsistencies in the reporting of a XXXX XXXX account, as noted on both XXXX and XXXX. After a meticulous examination of credit reports, it has come to my attention that several irregularities suggest potential violations of the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX on XXXX : XXXX indicates a charge-off on the XXXX XXXX account, yet fails to specify the delinquency or charge-off date. As per Section XXXX ( a ) ( XXXX ) of the FCRA, creditors are obligated to report such dates to provide consumers with a transparent understanding of their account status. It is imperative to highlight that this account is fraudulent, not in ownership, and should not be reflected on my credit report. 

Collection Reporting on Experian.com : Experian.com reports the same XXXX XXXX account as being in collection, lacking detailed information, which contravenes Section XXXX ( a ) ( XXXX ) ( A ) of the FCRA. This section emphasizes the necessity for credit reporting agencies to furnish accurate and complete information regarding any collections. Please note that this account is not XXXX in ownership, and it is fraudulent, making its inclusion on a credit report inappropriate. 

Failure to Report Monthly Updates : Both MyFICO.com and Experian.com have failed to reflect monthly updates on the XXXX XXXX account. Section 623 ( a ) ( 2 ) of the FCRA mandates creditors to report accurate and up-to-date information. This lapse in monthly updates hinders the ability to promptly address discrepancies, and I stress that this account, not in ownership, is fraudulent. 

Missing 30, 60, and 90-Day Past Due Reporting : There is a conspicuous absence of 30, 60, and 90-day past due reporting on both credit reports, violating Section 623 ( a ) ( 2 ) ( A ) of the FCRA. This section requires creditors to accurately report the delinquency status, including the presence of 30, 60, and 90-day past due notations. Please be aware that this account is fraudulent, not in ownership, and must be expeditiously removed from a credit report. 

Omissions of Account Reporting on Experian.com : Furthermore, I noted that the XXXX XXXX account did not report in XX/XX/XXXX and XX/XX/XXXX on Experian.com, despite being reported as " OK '' ( positive ) on XXXX during the same periods. Such inconsistencies go against the FCRA 's requirement for consistent and accurate monthly reporting. I want to emphasize again that this account is fraudulent, not in ownership, and must be removed promptly.

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 2023-12-09 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: IL

Complaint narrative:
I am reaching out to address alarming inconsistencies in the reporting of a XXXX XXXX account, as noted on both XXXX and XXXX. After a meticulous examination of credit reports, it has come to my attention that several irregularities suggest potential violations of the Fair Credit Reporting Act ( FCRA ). 

Charge Off Reporting on XXXX : XXXX indicates a charge-off on the XXXX XXXX account, yet fails to specify the delinquency or charge-off date. As per Section 623 ( a ) ( 5 ) of the FCRA, creditors are obligated to report such dates to provide consumers with a transparent understanding of their account status. It is imperative to highlight that this account is fraudulent, not in ownership, and should not be reflected on my credit report. 

Collection Reporting on Experian.com : Experian.com reports the same XXXX XXXX account as being in collection, lacking detailed information, which contravenes Section 623 ( a ) ( 1 ) ( A ) of the FCRA. This section emphasizes the necessity for credit reporting agencies to furnish accurate and complete information regarding any collections. Please note that this account is not XXXX in ownership, and it is fraudulent, making its inclusion on a credit report inappropriate. 

Failure to Report Monthly Updates : Both MyFICO.com and Experian.com have failed to reflect monthly updates on the XXXX XXXX account. Section 623 ( a ) ( 2 ) of the FCRA mandates creditors to report accurate and up-to-date information. This lapse in monthly updates hinders the ability to promptly address discrepancies, and I stress that this account, not in ownership, is fraudulent.

Missing 30, 60, and 90-Day Past Due Reporting : There is a conspicuous absence of 30, 60, and 90-day past due reporting on both credit reports, violating Section 623 ( a ) ( 2 ) ( A ) of the FCRA. This section requires creditors to accurately report the delinquency status, including the presence of 30, 60, and 90-day past due notations. Please be aware that this account is fraudulent, not in ownership, and must be expeditiously removed from a credit report. 

Omissions of Account Reporting on Experian.com : Furthermore, I noted that the XXXX XXXX account did not report in XX/XX/XXXX and XX/XX/XXXX on Experian.com, despite being reported as " OK '' ( positive ) on XXXX during the same periods. Such inconsistencies go against the FCRA 's requirement for consistent and accurate monthly reporting. I want to emphasize again that this account is fraudulent, not in ownership, and must be removed promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I have a checking account at Ally online bank. 
The ally account was connected to my XXXX  account. 
My XXXX  account was hacked and someone sent money to the scammer, using the connected bank ( ALLY ), on my XXXX. Two transactions. 
Ally reversed the first transaction, but they refused to reverse second transaction for some reason. 
No reasonable explanation/reason was provided. 

Reversed TX : XX/XX/2023 XXXX XXXX XXXX {$49.00} But this one was not reversed Reverse-Rejected TX : XX/XX/2023 XXXX XXXX Future Amount : XXXX ~ Tran : XXXX {$99.00}

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 explanation
Consumer complaint received 2023-12-09 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: AZ

Complaint narrative:
I have two creditors saying I have student loans with them. One is XXXX who said they sold to XXXX XXXX  Both are collecting on my credit reports and bringing m y score down with payments that are not due and accounts that are no longer theirs. One company needs removed my debt is double and it had been disputed multiple times. This is what it looks like on all three credit reporting companies XXXX XXXX Transunion Student loans Total balance : {$86000.00} XXXX XXXX XXXX LATE PAYMENT Balance {$740.00} Balance updated XX/XX/2023 XXXX XXXX XXXX  LATE PAYMENT Balance {$5800.00} Balance updated XX/XX/2023 XXXX XXXX XXXX LATE PAYMENT Balance {$11000.00} Balance updated XX/XX/2023 XXXX XXXX XXXX LATE PAYMENT Balance {$500.00} Balance updated XX/XX/2023 XXXX XXXX XXXX LATE PAYMENT Balance {$5800.00} Balance updated XX/XX/2023 XXXX XXXX XXXX LATE PAYMENT Balance {$3100.00} Balance updated XX/XX/2023 XXXX XXXX XXXX  LATE PAYMENT Balance {$6000.00} Balance updated XX/XX/2023 XXXX XXXX XXXX LATE PAYMENT Balance {$2800.00} Balance updated XX/XX/2023 XXXX XXXX XXXX Balance {$5700.00} Balance updated XX/XX/2023 XXXX XXXX XXXX Balance {$3700.00} Balance updated XX/XX/2023 XXXX XXXX XXXX Balance {$3900.00} Balance updated XX/XX/2023 XXXX LATE PAYMENT Balance {$4000.00} Balance updated XX/XX/2023 XXXX  LATE PAYMENT Balance {$11000.00} Balance updated XX/XX/2023 XXXX  LATE PAYMENT Balance {$2700.00} Balance updated XX/XX/2023 XXXX  LATE PAYMENT Balance {$7400.00} Balance updated XX/XX/2023 XXXX  LATE PAYMENT Balance {$6300.00} Balance updated XX/XX/2023 XXXX  LATE PAYMENT Balance {$3800.00} Balance updated XX/XX/2023 2023

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 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have two creditors saying I have student loans with them. One is XXXX who said they sold to XXXX XXXX  Both are collecting on my credit reports and bringing m y score down with payments that are not due and accounts that are no longer theirs. One company needs removed my debt is double and it had been disputed multiple times. This is what it looks like on all three credit reporting companies XXXX Equifax XXXX XXXX loans Total balance : {$86000.00} XXXX XXXX XXXX LATE PAYMENT Balance {$740.00} Balance updated XX/XX/2023 XXXX XXXX XXXX LATE PAYMENT Balance {$5800.00} Balance updated XX/XX/2023 XXXX XXXX XXXX LATE PAYMENT Balance {$11000.00} Balance updated XX/XX/2023 XXXX XXXX XXXX LATE PAYMENT Balance {$500.00} Balance updated XX/XX/2023 XXXX XXXX XXXX LATE PAYMENT Balance {$5800.00} Balance updated XX/XX/2023 XXXX XXXX XXXX LATE PAYMENT Balance {$3100.00} Balance updated XX/XX/2023 XXXX XXXX XXXX  LATE PAYMENT Balance {$6000.00} Balance updated XX/XX/2023 XXXX XXXX XXXX LATE PAYMENT Balance {$2800.00} Balance updated XX/XX/2023 XXXX XXXX XXXX Balance {$5700.00} Balance updated XX/XX/2023 XXXX XXXX XXXX Balance {$3700.00} Balance updated XX/XX/2023 XXXX XXXX XXXX  Balance {$3900.00} Balance updated XX/XX/2023 XXXX  LATE PAYMENT Balance {$4000.00} Balance updated XX/XX/2023 XXXX  LATE PAYMENT Balance {$11000.00} Balance updated XX/XX/2023 XXXX  LATE PAYMENT Balance {$2700.00} Balance updated XX/XX/2023 XXXX  LATE PAYMENT Balance {$7400.00} Balance updated XX/XX/2023 XXXX  LATE PAYMENT Balance {$6300.00} Balance updated XX/XX/2023 XXXX  LATE PAYMENT Balance {$3800.00} Balance updated XX/XX/2023 2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09 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: AZ

Complaint narrative:
I have two creditors saying I have student loans with them. One is XXXX who said they sold to ED Advantage Both are collecting on my credit reports and bringing m y score down with payments that are not due and accounts that are no longer theirs. One company needs removed my debt is double and it had been disputed multiple times. This is what it looks like on all three credit reporting companies Experian XXXX XXXX Student loans Total balance : {$86000.00} XXXX XXXX XXXX LATE PAYMENT  Balance {$740.00} Balance updated XX/XX/2023 XXXX XXXX XXXX LATE PAYMENT Balance {$5800.00} Balance updated XX/XX/2023 XXXX XXXX XXXX LATE PAYMENT Balance {$11000.00} Balance updated XX/XX/2023 XXXX XXXX XXXX LATE PAYMENT Balance {$500.00} Balance updated XX/XX/2023 XXXX XXXX XXXX LATE PAYMENT Balance {$5800.00} Balance updated XX/XX/2023 XXXX XXXX XXXX LATE PAYMENT Balance {$3100.00} Balance updated XX/XX/2023 XXXX XXXX XXXX  LATE PAYMENT Balance {$6000.00} Balance updated XX/XX/2023 XXXX XXXX XXXX LATE PAYMENT Balance {$2800.00} Balance updated XX/XX/2023 XXXX XXXX XXXX Balance {$5700.00} Balance updated XX/XX/2023 XXXX XXXX XXXX  Balance {$3700.00} Balance updated XX/XX/2023 XXXX XXXX XXXX Balance {$3900.00} Balance updated XX/XX/2023 XXXX  LATE PAYMENT Balance {$4000.00} Balance updated XX/XX/2023 XXXX  LATE PAYMENT Balance {$11000.00} Balance updated XX/XX/2023 XXXX  LATE PAYMENT Balance {$2700.00} Balance updated XX/XX/2023 XXXX  LATE PAYMENT Balance {$7400.00} Balance updated XX/XX/2023 XXXX  LATE PAYMENT Balance {$6300.00} Balance updated XX/XX/2023 XXXX  LATE PAYMENT Balance {$3800.00} Balance updated XX/XX/2023 2023

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 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am the author of this complaint and I have attached my driver 's license, social security card, dispute letters and a copy of my ID theft report. 

I checked my consumer credit report and noticed some inaccurate, incomplete, and fraudulent accounts. These accounts and the reporting of these accounts are in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I have been negatively impacted as a result of these errors. The CRAs and creditors did not conduct a reasonable investigation and has blantatly ignored my disputes. 

Please delete these accounts listed below along with the following reasons : 1. XXXX  - Violation of15USC 1692e ( 4 ) - validation of debt and 15 USC 1692g unfair and unconscionable practices 2. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) - Violation of15USC 1692e ( 4 ) - validation of debt and 15 USC 1692g unfair and unconscionable practices XXXX. XXXX  - Violation of15USC 1692e ( 4 ) - validation of debt and 15 USC 1692g unfair and unconscionable practices XXXX. XXXX XXXX  XXXX ( XXXX : XXXX ) - Violation of15USC 1692e ( 4 ) - validation of debt and 15 USC 1692g unfair and unconscionable practices 5. XXXX - Violation of15USC 1692e ( 4 ) - validation of debt and 15 USC 1692g unfair and unconscionable practices 6. XXXX XXXX XXXXP ( Original Creditor : XXXX  ) - Violation of15USC 1692e ( 4 ) - validation of debt and 15 USC 1692g unfair and unconscionable practices 7. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) - Violation of15USC 1692e ( 4 ) - validation of debt and 15 USC 1692g unfair and unconscionable practices

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 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I am the author of this complaint and I have attached my driver 's license, social security card, dispute letters and a copy of my ID theft report. 

I checked my consumer credit report and noticed some inaccurate, incomplete, and fraudulent accounts. These accounts and the reporting of these accounts are in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I have been negatively impacted as a result of these errors. The CRAs and creditors did not conduct a reasonable investigation and has blantatly ignored my disputes. 

Please delete these accounts listed below along with the following reasons : 1. XXXX  - Violation of15USC 1692e ( 4 ) - validation of debt and 15 USC 1692g unfair and unconscionable practices 2. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) - Violation of15USC 1692e ( 4 ) - validation of debt and 15 USC 1692g unfair and unconscionable practices 3. XXXX  - Violation of15USC 1692e ( 4 ) - validation of debt and 15 USC 1692g unfair and unconscionable practices 4. XXXX XXXX XXXXXXXX ( XXXX : XXXX ) - Violation of15USC 1692e ( 4 ) - validation of debt and 15 USC 1692g unfair and unconscionable practices 5. XXXX - Violation of15USC 1692e ( 4 ) - validation of debt and 15 USC 1692g unfair and unconscionable practices 6. XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  Violation of15USC 1692e ( 4 ) - validation of debt and 15 USC 1692g unfair and unconscionable practices 7. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) - Violation of15USC 1692e ( 4 ) - validation of debt and 15 USC 1692g unfair and unconscionable practices

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09 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: CT

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 2023-12-09 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: Debois, Inc.
State: OH

Complaint narrative:
XXXXdbs financial XXXX XXXXXX/XX/XXXX this auto loan account was open in my name with my personal info acct number XXXX i wan thtis account deleted off of my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 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 strongly desire not to have this on my credit report. It is not belong to me. It is 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 explanation
Consumer complaint received 2023-12-09 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: OH

Complaint narrative:
XXXXXXXX XXXX XX/XX/2019 this auto loan account was open in my name with my personal info acct number XXXX i wan thtis account deleted off of my 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