vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX Account number : XXXX Account name : XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX Account number : XXXX Account name : XXXX XXXX INT ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number XXXX XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : 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 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX Account number : XXXX Account name : XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : 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 2024-02-23 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: FL

Complaint narrative:
Equifax and XXXX is reporting inaccurate information on my credit report. XXXX do not respond and refuses to give me access to my free credit reporting account. I have paid XXXX  XXXX XXXX credit card, XXXX 's, XXXX, and XXXX XXXX. I had to pay these accounts and file a 1099C on my taxes for them. Yet, these accounts remains on my report. That is against Federal law to continue to have them on my credit report. 

They are also reporting duplicate of the same accounts and accounts over 7 years remain on my credit report. All 3 bureaus has different information and XXXX never reponds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-02-23 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-02-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: LD Holdings Group, LLC
State: LA

Complaint narrative:
XX/XX/XXXX I called in to see if I have a foreclosure date, the representative told me my foreclosure is postponed and that I can submit documents to start my short sale. I checked with the foreclosure attorney, who said my auction date is XX/XX/XXXX! The company lied to me. I called Loan Depot today and they said I have an auction now and they won't delay it! That is unfair and wrong for them to be able to tell me one thing and then tell me something else then why wont postpone it so I can resolve the issue!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple Reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: MA

Complaint narrative:
Since XX/XX/XXXX, I have trying to get all three credit reporting bureaus, Equifax, XXXX, and XXXX to add my XXXX XXXX account from XXXX account # ending in XXXX to my credit. Ive had this account for 7 years it still active and it has not been added to ANY of the accounts. XX/XX/XXXX called XXXX gave them my social again to report to all three Bureaus and they sent it over several times and Equifax nor XXXX nor XXXX added my account. XX/XX/XXXX called spoke with XXXX credit bureau XXXX unit at XXXX they will send credit report and gets on credit report 5 business days after but it was never added XX/XX/XXXX called Equifax added a consumer statement to add XXXX stated it is my account confirmation # XXXX I added a consumer statement on Equifax confirmation # XXXX XX/XX/XXXX again For same reason with XXXX account ending XXXX XX/XX/XXXX credit Bureau XXXX XXXX XXXX with XXXX They reported it on the XX/XX/XXXX. She re-reported today XX/XX/XXXX as an XXXX  Update sending over what data is today as of XXXX XXXX XXXXXX/XX/XXXX It should take 3-5 business days Friday/Monday of Next week to be added to Reporting Agencies XXXX Equifax and XXXX It was NEVER added Call all three Bureaus Again to make sure there is a consumer note XX/XX/XXXX called XXXX sent a consumer note called XXXX department priority escalations added Consumer Statement. Called Equifax updated consumer statement confirmation number # XXXX XXXX to follow up with statement to add these to my Credit it was never added to any of my cresit accounts. XXXX account ending # XXXX is my credit card account and it is active and it SHOULD be on my credit on XXXX, Equifax and XXXX and it is NOT

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Since XX/XX/XXXX, I have trying to get all three credit reporting bureaus, XXXX, XXXX, and Experian to add my XXXX XXXX account from XXXX account # ending in XXXX to my credit. Ive had this account for 7 years it still active and it has not been added to ANY of the accounts. XX/XX/XXXX called XXXX gave them my social again to report to all three Bureaus and they sent it over several times and XXXX nor XXXX nor Experian added my account. XX/XX/XXXX called spoke with XXXX credit bureau specialist unit at XXXX they will send credit report and gets on credit report 5 business days after but it was never added XX/XX/XXXX called XXXX added a consumer statement to add XXXX stated it is my account confirmation # XXXX I added a consumer statement on XXXX confirmation # XXXX XX/XX/XXXX again For same reason with XXXX account ending XXXX XX/XX/XXXX credit Bureau XXXX XXXX XXXX with XXXX They reported it on the XX/XX/XXXX. She re-reported today XX/XX/XXXX as an Intercycle Update sending over what data is today as of XXXX XXXX XXXXXX/XX/XXXX It should take 3-5 business days Friday/Monday of Next week to be added to Reporting Agencies XXXX XXXX and Experian It was NEVER added Call all three Bureaus Again to make sure there is a consumer note XX/XX/XXXX called Experian sent a consumer note called XXXX department priority escalations XXXX Consumer Statement. Called XXXX updated consumer statement confirmation number # XXXX XXXX to follow up with statement to add these to my Credit it was never added to any of my cresit accounts. XXXX account ending # XXXX is my credit card account and it is active and it SHOULD be on my credit on Experian, XXXX and XXXX and it is NOT

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 2024-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XX/XX/year> PORTFOLIO RECOVERY Associates , LLC XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX Subject : Dispute of Collection Account and Violation of Consumer Rights To Whom It May Concern, I am writing to dispute the collection account that has been placed on my consumer report by your agency, as well as to assert my rights under relevant consumer protection laws. 
Firstly, it has come to my attention that your agency has failed to provide validation information as required under 12 CFR 1006.34 ( b ) ( 5 ). Despite this omission, you have proceeded to report this collection account on my consumer report, which constitutes a violation of my rights under federal regulations. 
Furthermore, I have not been afforded the opportunity to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This failure to provide me with the necessary avenues for dispute resolution is a clear violation of consumer protection regulations. 
Moreover, I assert that your agency is engaging in false, misleading, and deceptive practices by reporting this collection account without adhering to the requisite legal standards. This conduct violates my consumer rights and undermines the integrity of the credit reporting system. 
Additionally, I dispute any and all ownership of the alleged debt to your agency. I hereby revoke all rights of communication with me via phone, text, or email. Henceforth, all correspondence must be conducted through written communication sent to the address listed above. 
In accordance with my rights under the law, I demand that your agency provide validation of the debt, including the purchase agreement between your agency and the original creditor. Furthermore, I request proof of your agency 's licensing and bonding, as required by law. 
Failure to comply with these requests within the legally mandated timeframes will result in further action to protect my rights as a consumer. I expect a prompt and thorough response to this dispute letter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Credit Karma, LLC
State: TX

Complaint narrative:
My account was closed XX/XX/XXXX. My refund was sent to them on XX/XX/XXXX and they now have my refund. It shows but I can not do anything with it. If the account is closed then why did you accept my refund and now are holding it?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central Portfolio Control Inc.
State: CA

Complaint narrative:
I received a letter dated XX/XX/2024 regarding a debt from Central Portfolio Control stating the current creditor XXXX XXXX XXXX for a balance of {$3800.00}. I responded to the letter on XX/XX/2024 asking them to provide me information to validate the debt belonged to me since I have experienced identity theft in the past. This information wasnt provided nor did Central Portfolio Control respond back to my request dated XXXX, however the information was reported on XXXX, XXXX and XXXX reports as a collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under section 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 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: AR

Complaint narrative:
15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM EQUIFAX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Rosebud Economic Development Corporation
State: NC

Complaint narrative:
After seeing that my Quick Wallet wouldn't let me pay off my loan and they want to charge a ridiculous several XXXX dollar principal fee every month with only XXXX dollars actually being paid on the loan I contacted the company and I revoked my permission for them to take money from my bank account. I contacted my bank and they placed a stop order on the payments and yet my Quick wallet has still been able to change their ID and charge my account every two weeks. My bank XXXX  XXXX they keep assuring me that it's taken care of that they won't be drafting money out of my account and yet they still have been able to do this. XX/XX/XXXX {$300.00} XX/XX/XXXX {$300.00}. Since I did everhtning I was supposed to do I don't understand

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 2024-02-23 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: MI

Complaint narrative:
I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this. All is being investigated by the FTC. 
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

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 2024-02-23 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 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: DISCOVER BANK
State: CA

Complaint narrative:
in accordance with the fair credit reporting act this creditor has violated my rights under 15USC 1681 section 602 states i have the right to privacy ( section 604a section 2 ) also states a consumer reporting agency can not furnish an account without my written instruction under 15 usc 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: OneMain Finance Corporation
State: OK

Complaint narrative:
It started XXXX XXXX, XXXX ; for 3 months I tried to make my payment, they just hung up on me. After that, they repossessed my vehicle. I contacted them and I was informed that I needed to pay XXXX to get it back. Which I did. I got my vehicle back. They will not talk to me and they repossessed my vehicle again XX/XX/XXXX. I called them again and I was told that since this is the second repo. They want the full amount of XXXX to get it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Atlanticus Services Corporation
State: MO

Complaint narrative:
I have a credit card with Fortiva. I've been late on making payments, but not 30 days past due. They've contacted me on XX/XX/XXXX and XX/XX/XXXX from the phone number of XXXX. When the call came through, the caller ID listed the inbound call as " Est Plan Strtgy. '' I'm guessing this is short for Estate Plan Strategy. If this is intentional on their part, I think this is deceptive and underhanded to misreprent themselves as another entity. I would like for this matter to be investigated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-23 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:
DELETE THESE INCOMPLETE AND INACCURATE ACCOUNTS, INQUIRIES FROM MY CONSUMER 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 2024-02-23 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: GA

Complaint narrative:
DELETE THESE INCOMPLETE AND INACCURATE ACCOUNTS, INQUIRIES FROM MY CONSUMER 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