vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-11 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: AL

Complaint narrative:
I do not recognize this account and believe it to be fraud or belong to someone else. 

XXXX XXXX {$3700.00} Opened XX/XX/2020

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 2024-04-11 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: AL

Complaint narrative:
I do not recognize this account and believe it to be fraud or belong to someone else. 

XXXX XXXX {$3700.00} Opened XX/XX/2020

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

Complaint narrative:
I do not recognize this account and believe it to be fraud or belong to someone else. 

XXXX XXXX {$3700.00} Opened XX/XX/2020

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 2024-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: PA

Complaint narrative:
I don't recall having a contractual relationship with this collection company SPRING OAKS CAPITAL LLC. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Midland Credit, XXXX, Portfolio Back to back phone calls, all throughout the night, during work, I had to change my phone number because it would not stop ringing, ever. When I did answer, I was met with a very vulgar and inappropriate discussion. They contacted my immediate family, harassed them. I have a judgment that was filed in XXXX  that I have not been aware of until now. 
I'm unable to open bank accounts, unable to obtain credit, they have caused an extensive amount of hardship on top of the hardship I was already facing. 
The accounts stem from XXXX credit cards my son 's mother opened in my name. 
She left immediately after he was born and I have had him by myself since he was born. 
During this time, I was a XXXX  father with newborn baby, lost our home. 
At the same time, they are calling, harassing me, making it impossible for to obtain financial assistance. Making it impossible to even use my phone, My phone would go dead by lunch, I could not even use it, I would have to turn it off. non-stop, back to back to back, without cease. 
Also, at the same time, I failed to close the checking account at the bank I was with and the monthly service fee over drafted the account XXXX dollars, resulting in XXXX dollar daily overdraft fees until my account reached XXXX XXXX dollars. Then closed the account. 

Total balances : {$900.00}, XXXX, {$400.00} XXXX XXXX, XXXX XXXX and XXXX XXXX dollars. 

My son is now XXXX, we still do not have a home that ours, Nor do I foresee us having a home or anything anywhere in the near future unless these matters are resolved. 

I do accept full responsibility for the debts, I do not think it is fair the way midland credit management and its associates handled the account, especially in such a critical time in my life. Thank you.

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

Complaint narrative:
I beg you please remove this from the credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
Recieved loan from one main financial and was charged for services I did not agree too. Currently still paying on loan as it started in 2019. I recently reached out to One Main after seeing this has happened to so many others and was told nothing could be done sing I signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I Have disputed Inaccurate information that has been placed on my Consumer report 12 times over a course of 2 years. The Credit Reporting Agencies are not Investigating. I Have filed 4 different Complaints with the CFPB. I have filed 3 different Complaints with the XXXX. I Contacted the Attorney General Filed complaints trying to get this problem resolved. 

The Three Credit Reporting Agencies are all Reporting Different Information. ( Inaccurate information ). 

I Do not have Signed Contracts with the companies. I Never gave these Companies Permission to report anything on my consumer report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian, said All Accounts Were updated and VERIFIED. 

XXXX, XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXXXXXX XXXX XXXX # XXXX. 

XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXXXXXX XXXX can not show me how they verified these accounts with documents of the original contracts. therefore All INACCURATE AND UNVERIFIABLE. I DEMAND ALL 4 ACCOUNTS GET DELETED 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 2024-04-11 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: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent 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 non-monetary relief
Consumer complaint received 2024-04-11 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: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent 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 2024-04-11 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: MA

Complaint narrative:
I have a lot of inquiries on my credit. I cant rent a house. I cant buy house. I have money to pay. Cause of my credit. I cant qualify. I know under 15 usc those credit bureaus dont have right to report those on my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: CA

Complaint narrative:
Despite multiple written requests, the unverified items listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this items, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/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 non-monetary relief
Consumer complaint received 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The violation of 15 USC 1681 ( a ) ( 1 ) ( A ) refers to a breach of the Fair Credit Reporting Act ( FCRA ), a federal law governing the collection, dissemination, and use of consumer credit information. This specific section pertains to the responsibilities of consumer reporting agencies in ensuring the accuracy and fairness of the information they report. Violations of this provision could involve errors in credit reports, failure to investigate disputes, or improper handling of consumer information.

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 2024-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I Have disputed Inaccurate information that has been placed on my Consumer report 12 times over a course of 2 years. The Credit Reporting Agencies are not Investigating. I Have filed 4 different Complaints with the CFPB. I have filed 3 different Complaints with the XXXX. I Contacted the Attorney General Filed complaints trying to get this problem resolved. 

The Three Credit Reporting Agencies are all Reporting Different Information. ( Inaccurate information ). 

I Do not have Signed Contracts with the companies. I Never gave these Companies Permission to report anything on my consumer report. 

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 Transunion, Deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  can not show me how they verified these accounts with documents of the original contracts. therefore All INACCURATE AND UNVERIFIABLE. I DEMAND ALL 4 ACCOUNTS GET DELETED 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 2024-04-11 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: MO

Complaint narrative:
I Have disputed Inaccurate information that has been placed on my Consumer report 12 times over a course of 2 years. The Credit Reporting Agencies are not Investigating. I Have filed 4 different Complaints with the CFPB. I have filed 3 different Complaints with the XXXX. I Contacted the Attorney General Filed complaints trying to get this problem resolved. 

The Three Credit Reporting Agencies are all Reporting Different Information. ( Inaccurate information ). 

I Do not have Signed Contracts with the companies. I Never gave these Companies Permission to report anything on my consumer report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, said All Accounts Were updated and VERIFIED.XXXXEquifax, Deleted 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 can not show me how they verified these accounts with documents of the original contracts. therefore All INACCURATE AND UNVERIFIABLE. I DEMAND ALL 4 ACCOUNTS GET DELETED FROM MY CONSUMER REPORT!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: PA

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: PA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2024-04-11 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: PA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This student loan was originally for XXXX with XXXX XXXX and was discharged in 2017 in bankruptcy. The loan was then sold to XXXX, and they have it at over XXXX and harrassed me for a loan that I am not obligated to pay, which they got incorrectly. They call my phone 30 times a day. 

This loan is no longer valid. It was in my bankruptcy, and the court approved it, and XXXX XXXX was notified. XXXX XXXX should not have sold loan to XXXX I have never had a loan with 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 2024-04-11 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: MS

Complaint narrative:
These are my repeated attempts to inform you that I've fallen victim to identity theft. I'm contesting certain entries in my document resulting from this crime. These entries do not correspond to any transactions I've initiated or authorized, involving the acquisition of goods, services, or money. If disregarded, I request the removal of any significant information related to alleged fraudulent or extortionate activities from my credit record. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXXXXXX XXXX XXXX  XXXX Balance Owed : {$320.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$800.00} XXXX XXXX XXXX Owed : {$550.00} XXXX XXXX XX/XX/XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to file a formal complaint regarding the mishandling of my repeated attempts to follow up on the removal of fraudulent items from my credit report. 

Despite submitting multiple disputes and diligently providing supporting evidence, the fraudulent accounts persist on my credit report, and my previous follow-up attempts have not yielded any resolution. 

The ongoing presence of these fraudulent items on my credit report has caused significant distress and financial harm. It has negatively impacted my credit score and has hindered my ability to access credit and financial services.

I demand that your agency immediately conducts a comprehensive review of my dispute and expedites the removal of the fraudulent items from my credit report. Furthermore, I request that you provide me with written confirmation detailing the steps taken to address this matter and the resolution thereof. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX Balance Owed : {$1600.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TN 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 2024-04-11 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 writing to file a formal complaint regarding the mishandling of my repeated attempts to follow up on the removal of fraudulent items from my credit report. 

Despite submitting multiple disputes and diligently providing supporting evidence, the fraudulent accounts persist on my credit report, and my previous follow-up attempts have not yielded any resolution. 

The ongoing presence of these fraudulent items on my credit report has caused significant distress and financial harm. It has negatively impacted my credit score and has hindered my ability to access credit and financial services. 

I demand that your agency immediately conducts a comprehensive review of my dispute and expedites the removal of the fraudulent items from my credit report. Furthermore, I request that you provide me with written confirmation detailing the steps taken to address this matter and the resolution thereof. With this, I am asking for your assistance to remove these fraud items in my credit file : 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 response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: TX

Complaint narrative:
I'm submitting this statement due to a serious issue of identity theft that has detrimentally affected my credit report. Following the necessary step of filing a report with the Federal Trade Commission, in compliance with legal requirements, I'm actively working towards resolving this issue. The Fair Credit Reporting Act ( FCRA ), Section 605B, mandates that credit reporting agencies must quickly remove any entries from a consumer 's credit report that are identified in an identity theft report. For reference, my report is numbered # XXXX. Attached, you will find documents that support the removal of these inaccurately reported items. Accounts opened fraudulently, without my consent, include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with FCRA Section 605B ( a ), it is the responsibility of credit reporting agencies to ensure the removal of such disputed entries from the credit report within four business days following the complaint 's receipt.

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