vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-23 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:
Having reviewed my credit report, I detected inaccurate accounts that did not arise from any error on my part.

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 2024-10-23 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: IA

Complaint narrative:
Experian had claimed that I have a late payment from XXXX  that is false Experian- XXXX late payment

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 2024-10-23 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: SC

Complaint narrative:
I recently reviewed my report and noticed some fraudulent accounts on my report. Please remove these accounts off my report. They are hurting my ability to obtain credit.

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 2024-10-23 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: SC

Complaint narrative:
I recently reviewed my report and noticed some fraudulent accounts on my report. Please remove these accounts off my report. They are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: GA

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. Account name : XXXX XXXX XXXX Account Number : XXXX Account Opened : XX/XX/XXXX, Account Name : XXXX, Account Number : XXXX Account Opened : XX/XX/XXXX Listed on XXXX, Equifax and XXXX. Account name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Opened : XX/XX/XXXX Listed on XXXX, Equifax, and XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency maya make any consumer report containing any if 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 2024-10-23 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: PA

Complaint narrative:
I was stunned when I saw inaccurate accounts on my credit report this morning. I have no idea where they came from! I check my report regularly, and this has never happened before. I tried refreshing my browser, hoping it was just a glitch, but the wrong accounts were still there. Now Im requesting that you carefully review the documents I sent so that I never have to worry about this happening again.

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 2024-10-23 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: SC

Complaint narrative:
I recently reviewed my report and noticed some fraudulent accounts on my report. Please remove these accounts off my report. They are hurting my ability to obtain credit.

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 2024-10-23 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXXXXXX ( mo ) XXXX XXXX Presume that no proof of the alleged debt. nor therefore any such that in fact, therefore exist.. ( please remove this account before I seek litigation for the defamation of character. ) XXXXXXXX XXXX  BAL. {$0.00}, XXXX XXXX Bal. {$20000.00}

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 2024-10-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Marlette Funding, LLC
State: CA

Complaint narrative:
Please see UPDATED Identity Theft Report Filed with the FTC along with the Police Report, Evidence Received by XXXX XXXX Police Department and FBI Creditor Letter stating that I am a victim of financial fraud in a federal division.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: FL

Complaint narrative:
I am writing to dispued account on my credit report that were made without my consent. According to section 604 of the fair credit reporting to section ( 15 U.S.C 168 1B ), THERE ARE SPECIFIC PERMISSIBLE PURPOSES FOR OBTAINING A CREDIT. I did not authorize these account and can not find any permissible purpose under this section that justifies their presence on my report. PLEASE DELETE ACCOUNT 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 2024-10-23 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: OH

Complaint narrative:
I am submitting this complaint against Equifax Regarding Inaccuracies In My Personal Information As Reported In My Credit Report. 


Details Of The Dispute : 1. Incorrect Name : My Current Legal Name Is XXXX XXXX, But It Is Incorrectly Listed As XXXX XXXX, XXXX XXXX XXXX XXXX On My Credit Report. I Request That My Name Be Updated To Reflect The Correct Information. 

2. Outdated Address : My Current Residential Address Is XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Oh XXXX, While My Credit Report Shows An Outdated Address XXXX XXXX XXXX XXXX XXXX, Fl XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Oh XXXX. C ) XXXX XXXX XXXX XXXX XXXX, oh XXXX. D ) XXXX XXXXXXXX XXXX XXXX XXXXXXXX, fl XXXX. XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, fl XXXX. I Request That My Current Address Be Updated Accordingly. 


3. Employer : My Current Employer Is XXXX XXXX XXXX, But It Is Listed Incorrectly On My Credit Report As Employed. I Request That Employer Be Updated To Reflect The Correct Information. 

Supporting Documentation : I Have Enclosed Copies Of Supporting Documents To Verify The Accurate Information Provided Above, Including : A Copy Of My Driver 's License Or Passport Displaying My Correct Name. 
A Recent Utility Bill Or Bank Statement Showing My Current Address And Current Employer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 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: FL

Complaint narrative:
Since I am not aware of any similar inquiries, it appears that this one is unauthorized and fraudulent. Please take immediate action to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX il, XXXX Transunion Consumer Solutions XXXX XXXX XXXX XXXXXXXX, PA XXXX, XXXX Dear TransUnion I am writing to update/correct my personal information on file with your company. 
Please update my address to : [ XXXX XXXX XXXX XXXX XXXX XXXX ] Please update my name to : [ XXXX XXXX XXXX XXXX My only social security number is : [ XXXX ] My only and correct date of birth is : [ XXXX ] I do not wish to have any telephone numbers on my report. 
Please remove all the other addresses off my report, as they are not deliverable to me by the XXXX XXXX XXXX, and they are not reportable as per the FCRA, since they are inaccurate. 
Sincerely 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 2024-10-23 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: AR

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 2024-10-23 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: AR

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 2024-10-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXXXXXX XXXX XXXX Account Number:XXXX Date of Charge Off : XX/XX/year> Amount : {$1100.00} I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian 's refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Experian upholds its obligations under the law. 

Sincerely, 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 2024-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
Apple Card and Goldman Sachs have me in a Customer service spiral of doom. I never agreed for Apple/Goldman to allow for charges above the maximum and they also misrepresented their payment plan. Given the news on XX/XX/year> that Apple and Goldman Sachs are ordered to pay for lying to consumers, I need to learn how to remove all recurring charges to the Apple Card I closed in XXXX. Further, every month my credit score takes a hit and I have no options to resolve through Goldman Sachs nor Apple. Ive tried for months to contact the customer service centers of both and they tell me to contact the other. This predatory behavior is ruining my financial standing and I am my wits end. Please advise how i can stop Apple and Goldman Sachs from stealing from me and ruining my life.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-23 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: NH

Complaint narrative:
On XX/XX/XXXX I filed an FTC Identity Theft Affidavit to report 2 fraudulent accounts appearing on my consumer XXXX ( Transunion ) credit report which I do not recognize as reported and which are the result of identity theft and fraud. An account was opened at XXXX XXXX XXXX XXXX ) on XX/XX/XXXX under the ( XXXX account number ) and ( XXXX account number ). Transunion has DENIED my request to block the accounts ( Please see attached documents regarding denial ). These accounts have resulted in several fraudulent late payments appearing on my consumer XXXX Credit Report. I demand that the aforementioned fraudulent items be removed from my consumer report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and late payments are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaints # ( XXXX ) and # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2024-10-23 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:
Having reviewed my credit report, I detected inaccurate accounts that did not arise from any error on my part.

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 2024-10-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Complaint Against TRANSUNION for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TRANSUNION for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : XXXX I have previously disputed the accuracy of this charge off account with TRANSUNION and provided evidence that the information is inaccurate. However, TRANSUNION has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. TRANSUNION refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against TRANSUNION for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that TRANSUNION upholds its obligations under the law. 

Sincerely, 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 2024-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Synovus Bank
State: OH

Complaint narrative:
On XX/XX/XXXX I sent two ( 2 ) letters via USPS certified mail to First Progress. Certified mail numbers XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX requesting documentation regarding the secured credit card account. I sent two letters because First Progress is reporting as 1STPROGRESSXXXX on my XXXX  consumer report and the address listed on my report is XXXX XXXX XXXX, XXXX XXXX, TN XXXX . First Progress is also reporting as SYNOVUS/FIRST PROGRESS ( CLOSED ) on my XXXX consumer report and the address listed here is XXXX XXXX XXXX XXXX, TN XXXX. So, I sent USPS certified mail number XXXX XXXX XXXX XXXX XXXX to SYNOVUS/FIRST PROGRESS ( CLOSED ) and I sent USPS certified mail number XXXX XXXX XXXX XXXX XXXX to 1STPROGRESSXXXX because the companies are reporting as different names and addresses so I wanted to be sure I was reaching my intended party. 

SYNOVUS/FIRST PROGRESS ( CLOSED ) received the letter ending in XXXX on XX/XX/XXXX at XXXX and 1STPROGRESS/XXXX received the letter ending XXXX XXXX on XX/XX/XXXX at XXXX. 

To date, XXXX PROGRESS or XXXX has not responded XXXX my request. 

As of yesterday XX/XX/XXXX, I received a text message at XXXX and an email at XXXX from a company by the name of XXXX XXXX XXXX XXXX which I will attach ) claiming they are a debt collector contacting me regarding my Synovus Bank account XXXX Now, I have no clue who XXXX XXXX is or why they even have my phone number or email address when I never gave them my information. They also claimed in their email that the original creditor is Synovus Bank but the current creditor to whom debt is owed is XXXX XXXX XXXX. This is extremely confusing to me as I do not have any idea who XXXX XXXX XXXX is OR who XXXX XXXX XXXX is. I have never done any business with either of these companies so can someone at First Progress explain why this debt collector is privy to any of my personal private information without my consent?

I am requesting, for a second time, First Progress to send me any and all documentation regarding the account. If you are going to claim a debt collector is handling the account, please let me know who the debt collector is and also send me EVERY piece of documentation you sent to the debt collector regarding the account and my personal private information- especially the documentation that proves that debt collector- XXXX XXXX XXXX has the authority to attempt collect any amount of from me. 

Please respond via USPS mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: TX

Complaint narrative:
I purchased a XXXX in XXXX and had been paying the mortgage by auto pay for the last 15 years, however in XXXX the mortgage sold the mortgage loan to XXXX XXXX  and reported the mortgage payments late even the the account number never changed and they were still receiving payments. These payments were never late, but they are still showing on my credit report as late, even though the company said this was there mistake. They assured me that the late payments would be removed, however they are still showing late on my current credit reports.

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