vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-04 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 am reaching out to request the immediate blocking and deletion of fraudulent accounts and inquiries listed on my credit report. I am a victim of a data breach, and these items are the result of identity theft. In accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items removed from my credit file. 
Please find the details of the unauthorized account and inquiries below : Account : XXXX XXXX - XXXX - XX/XX/XXXX - Balance : {$0.00} Inquiries : 1. XXXX  - XX/XX/XXXX XXXX. XXXX - XX/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 explanation
Consumer complaint received 2024-11-04 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: CA

Complaint narrative:
I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated, there are items on my credit report that have resulted from fraud and I never benefitted from it. I have already reported this to the Federal Trade Commission but they are not removed from my report, this is causing me tremendous anxiety.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 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: LA

Complaint narrative:
There are unauthorized inquiries on my credit report, violating 15 USC 1681b ( c ) ( 2 ). Theyre harming my credit, and I request their removal. Thank you.

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 2024-11-04 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: IL

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I ask that you guys correct and fix This company is reporting wrong information someone added me onto this loan with an address Im not affiliated with a Date of birth on the loan that isnt mine. A co signer on the loan that I dont know anything about. I ask this matter get fixed and report this to the bureau correctly deleted it shouldnt be on my account as the car isnt mine all this need to get took care. The date of birth the address and the co signer dont have anything to do with me Im not aware of it. I filed a police report reporting this issue of my things being stolen I will also file on you guys for allowing someone to get a car under my name with different date of birth and address and co signer if this matter isnt fixed and delete I will file At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, Trans Union ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I declare under penalty of perjury ( under the laws of the United States, if execut outside of the United States ) that the foregoing is true and correct to the best o knowledge. Further, I certify that I am authorized by FEDERAL and STATE LAW to dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. These collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization - used my personal identifying information to apply for goods, services, or money, and was successful in creating some accounts. All is being investigated by FTC. IWANT THE CFPB TO PUBLISH THIS DESCRIPTION ON 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 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: United PanAm Financial Corp.
State: TX

Complaint narrative:
I ask that you guys correct and fix This company is reporting wrong information someone added me onto this loan with an address Im not affiliated with a Date of birth on the loan that isnt mine. A co signer on the loan that I dont know anything about. I ask this matter get fixed and report this to the bureau correctly deleted it shouldnt be on my account as the car isnt mine all this need to get took care. The date of birth the address and the co signer dont have anything to do with me Im not aware of it. I filed a police report reporting this issue of my things being stolen I will also file on you guys for allowing someone to get a car under my name with different date of birth and address and co signer if this matter isnt fixed and delete I will file At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I declare under penalty of perjury ( under the laws of the United States, if execut outside of the United States ) that the foregoing is true and correct to the best o knowledge. Further, I certify that I am authorized by FEDERAL and STATE LAW to dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. These collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization - used my personal identifying information to apply for goods, services, or money, and was successful in creating some accounts. All is being investigated by FTC. IWANT THE CFPB TO PUBLISH THIS DESCRIPTION ON XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I ask that you guys correct and fix This company is reporting wrong information someone added me onto this loan with an address Im not affiliated with a Date of birth on the loan that isnt mine. A co signer on the loan that I dont know anything about. I ask this matter get fixed and report this to the bureau correctly deleted it shouldnt be on my account as the car isnt mine all this need to get took care. The date of birth the address and the co signer dont have anything to do with me Im not aware of it. I filed a police report reporting this issue of my things being stolen I will also file on you guys for allowing someone to get a car under my name with different date of birth and address and co signer if this matter isnt fixed and delete I will file At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( Equifax, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I declare under penalty of perjury ( under the laws of the United States, if execut outside of the United States ) that the foregoing is true and correct to the best o knowledge. Further, I certify that I am authorized by FEDERAL and STATE LAW to dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. These collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization - used my personal identifying information to apply for goods, services, or money, and was successful in creating some accounts. All is being investigated by FTC. IWANT THE CFPB TO PUBLISH THIS DESCRIPTION ON XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: ADP Inc.
State: KY

Complaint narrative:
I was hacked around the time of these charges. I've gotten 5 different charges in a 5 day time from a company called XXXX. The first one was on XX/XX/2024 for {$20.00}. And then an {$100.00} and {$86.00} on XX/XX/2024 and then {$400.00} and {$200.00} on XX/XX/2024. On XX/XX/2024 I was credited back the {$86.00}, {$20.00}, and {$100.00}. They won't credit me back for the {$400.00} and the {$200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-11-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: VA

Complaint narrative:
I *believe* the original debt is from XXXX 
I'm guessing because I have never seen the bill, from the original supplier or from this collector - IC Systems. 
I want to know what the charge is for, for what service. 
I closed this account with a {$0.00} balance and years after, this went to collection. For {$120.00} that I do now owe and I'm not going to be extorted for {$120.00} when I have never seen any evidence of what the dispute is over. 
Moreover- this IC Systems submits the collection to credit reporting agencies, revokes it, and then re-submits it months later to avert its expiry. So, it shows up multiple times over years, still with no proof of the original debt. 
I will NEVER EVER pay for a debt I do not owe, *particularly* when it's part of this IC Systems extortion scheme and terrible business 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 explanation
Consumer complaint received 2024-11-04 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: VA

Complaint narrative:
In Accordance with the fair credit reporting act. the list accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 usc 1681 accounts name : XXXX : Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 suppose 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 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 2024-11-04 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: NY

Complaint narrative:
My credit report currently contains items resulting from fraudulent activity, from which I received no benefit and to which I did not consent. I have formally reported these fraudulent entries to the Federal Trade Commission, yet they remain on my report. Their continued presence is causing unnecessary damage to my credit standing and personal reputation.

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 2024-11-04 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: KS

Complaint narrative:
AS of XX/XX/XXXX I have reviewed my credit report and see that there are still fraudulent accounts reporting from EXPERIAN, XXXX, AND XXXX XXXX reports upon looking the accounts that I see are XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX FOR THE AMOUNT OF ( {$5500.00} ), XXXX XXXXXXXX ( XXXX ) XX/XX/XXXX FOR THE AMOUNT OF ( XXXX ), XXXX XXXX ( XXXX ) XX/XX/XXXX FOR THE AMOUNT OF ( {$500.00} ) These accounts are all fraudulent and I have provided the supporting documentation down below. According to the FCRA CODE SECTION 605B if an account is the result of fraud the data furnisher has 4 business days to remove the fraudulent accounts as long as supporting documentation is sent in.

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 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
XXXX XXXX has put 2 inquiries on my report. That is not accurate and I would like 1 of them to be Removed. The inquiry on my XXXX XXXX report from XXXX XXXX dated XX/XX/year> is inaccurate and I want it removed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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: NJ

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute an incorrect late payment report for my Pledge Loan with XXXX XXXX XXXX XXXX. The loan was fully paid off in XX/XX/year>, with the last payment made on XX/XX/year>. However, I have discovered that XXXX XXXX has erroneously reported a XXXX late payment to all three major credit bureaus ( XXXX, XXXX, and TransUnion ) for the month of XX/XX/year>, which has resulted in a significant decrease of XXXX points to my XXXX XXXX. 

Upon contacting XXXX XXXX, they acknowledged that this late payment report was caused by a system error, but advised me to dispute the matter directly with the credit bureaus. I believe this to be an error on XXXX XXXX 's part, as the loan was paid in full, and no payment was missed or overdue. 

Details of the loan : Account Type : Pledge Loan Amount Owed : {$0.00} Last Payment Date : XX/XX/year> Disputed Late Payment Date : XX/XX/year> I request that the credit bureaus investigate this issue and remove the incorrect late payment notation from my credit reports. This erroneous report is having a negative impact on my XXXX XXXX, which I believe to be unjustified given that the loan was fully paid on time. 

I appreciate your attention to this matter and request that it be resolved as promptly as possible. Please confirm receipt of this dispute and provide updates on the progress of the investigation. 

Thank you for your time and assistance.

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 2024-11-05 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: NJ

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute an incorrect late payment report for my Pledge Loan with XXXX XXXX XXXX XXXX. The loan was fully paid off in XX/XX/year>, with the last payment made on XX/XX/year>. However, I have discovered that XXXX XXXX has erroneously reported a XXXX late payment to all three major credit bureaus ( Equifax, XXXX, and XXXX ) for the month of XX/XX/year>, which has resulted in a significant decrease of XXXX points to my credit score. 

Upon contacting XXXX XXXX, they acknowledged that this late payment report was caused by a system error, but advised me to dispute the matter directly with the credit bureaus. I believe this to be an error on XXXX XXXX 's part, as the loan was paid in full, and no payment was missed or overdue. 

Details of the loan : Account Type : Pledge Loan Amount Owed : {$0.00} Last Payment Date : XX/XX/year> Disputed Late Payment Date : XX/XX/year> I request that the credit bureaus investigate this issue and remove the incorrect late payment notation from my credit reports. This erroneous report is having a negative impact on my credit score, which I believe to be unjustified given that the loan was fully paid on time. 

I appreciate your attention to this matter and request that it be resolved as promptly as possible. Please confirm receipt of this dispute and provide updates on the progress of the investigation. 

Thank you for your time and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 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: NJ

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute an incorrect late payment report for my Pledge Loan with XXXX XXXX XXXX XXXX. The loan was fully paid off in XX/XX/year>, with the last payment made on XX/XX/year>. However, I have discovered that XXXX XXXX has erroneously reported a XXXX late payment to all three major credit bureaus ( XXXX, Experian, and XXXX ) for the month of XX/XX/year>, which has resulted in a significant decrease of XXXX points to my credit score. 

Upon contacting XXXX XXXX, they acknowledged that this late payment report was caused by a system error, but advised me to dispute the matter directly with the credit bureaus. I believe this to be an error on XXXX XXXX 's part, as the loan was paid in full, and no payment was missed or overdue. 

Details of the loan : Account Type : Pledge Loan Amount Owed : {$0.00} Last Payment Date : XX/XX/year> Disputed Late Payment Date : XX/XX/year> I request that the credit bureaus investigate this issue and remove the incorrect late payment notation from my credit reports. This erroneous report is having a negative impact on my credit score, which I believe to be unjustified given that the loan was fully paid on time. 

I appreciate your attention to this matter and request that it be resolved as promptly as possible. Please confirm receipt of this dispute and provide updates on the progress of the investigation. 

Thank you for your time and assistance.

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