vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-13 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 did not instigate these inquiries and have suspicions of their fraudulent nature. I request a comprehensive investigation and their swift removal from my credit report. Supporting documents have been provided for your examination.

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 2024-06-13 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 did not instigate these inquiries and have suspicions of their fraudulent nature. I request a comprehensive investigation and their swift removal from my credit report. Supporting documents have been provided for your examination.

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 2024-06-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
I called AidVantage to ask them to please switch me over to an income based repayment plan. The lady I spoke with recommended the Saving for A Valuable Education ( SAVE ) plan, and told me my payments would be lowered to around $ 175 monthly and that my account would go into forbearance while AidVantage sorted out the change but that I wouldn't have to make further payments until like ... XXXX. 

I couldn't log in around XXXX and it took me a long time to sort that out and when I finally was able to call them and get logged in I found out my account was nearly a XXXX dollars in arrears and that It had been accruing delinquent payments since like XXXX. I called them to find out why this was happening and to beg on my hands and knees for them to please liquidate the payments that were in arrears. 

AidVantage informed me that they hadn't made any of the changes that I requested, that I was not shifted to an income based repayment plan, and that their policy switched over at some point in XXXX and that I the client, was now required to enroll in the SAVE plan myself. It was at no point told to me over the months long period that this was the case and honestly it feels like I fell through the cracks in the new changeover process, causing a cascade of delinquent payments that wouldn't have happened if I had been adequately concerned.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 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:
PLEASE BLOCKED AND REMOVED I strongly recommend removing this suspicious entry from my credit report. It is not mine, and its presence is very concerning. Please take the necessary steps to correct this inaccuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-13 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: NY

Complaint narrative:
Now I will write you requests for loans and credit cards that I did not make. I requested a copy of my credit report and in the hard inquiries section I saw requests that I did not make. These are fraudulent actions. I don't have any credit cards, loans, or other credit products from these companies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these hard inquiries from my credit report as they do not reflect my real inquiries and negatively affect my 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 non-monetary relief
Consumer complaint received 2024-06-13 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: NY

Complaint narrative:
Now I will write you requests for loans and credit cards that I did not make. I requested a copy of my credit report and in the hard inquiries section I saw requests that I did not make. These are fraudulent actions. I don't have any credit cards, loans, or other credit products from these companies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove these hard inquiries from my credit report as they do not reflect my real inquiries and negatively affect my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I did not instigate these inquiries and have suspicions of their fraudulent nature. I request a comprehensive investigation and their swift removal from my credit report. Supporting documents have been provided for your examination.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 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: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-06-13 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: TN

Complaint narrative:
My account with XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ratchford Law Group, P.C.
State: CT

Complaint narrative:
I am receiving debt collections packets in the mail from a lawyer representing XXXXXXXX XXXX The debt is from a credit account for buying automotive tools. After reviewing the {$5100.00} bill they sent to my house with a court letters I dont understand. I can see and very clearly they forged my signature on a credit loan agreement to add around XXXX ( approx ) debt to my account. This was added in a time period I was not working at the company where the initial loan was taken. This debt is from at around XXXX yr ago. I know I had some balance left around XXXX then. I really would like to settle the debt now that I am in a better place but I know what they are doing is highly illegal. Please if any help you can provide me, I would sincerely appreciate it. Please contact me for the full contract paperwork as it is not allowing due to file size. I will attach some of the pictures of the forged signatures compared to my actual signature.

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 2024-06-13 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:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 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: MA

Complaint narrative:
Below are the inquiries and dates of accounts that are unauthorized. please remove the following hard inquiries. XXXX XXXX XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XXXX - XX/XX/year> These accounts are not connected to an open or closed account on MY personal credit score. Please remove these unauthorized inquiries from my report. Please do not add a credit alert to my report!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 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: TX

Complaint narrative:
i am A VICTIM OF IDENTITY THEFT.I PURCHASED MY CREDIT FILE AND I SEE XXXX UNAUTHORIZED FRAUDULENT INQUIRIES LISTED ON MY CREDIT REPORT.I NEVER GAVE THESE COMPANIES PERMISSION TO PULL MY CREDIT.PLEASE REMOVE THE FOLLOWING XXXX UNAUTHORIZED FRAUDULENT INQUIRIES FIRST XXXX XXXX XXXX XXXX 2024, XXXX XXXXXXXX XXXX XX/XX/year> 2024

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: CO

Complaint narrative:
Hello, I am filing a complaint against Penn Credit Corporation for continuing to attempt to collect a debt I do not owe and willfully disregarding proof that was mailed and received via USPS Certified Mail. 

In XXXX, I received two Notice of Collection letters from Penn Credit Corporation, dated XX/XX/XXXX. These letters demanded payment for the citations listed below and copies are included as Attachment XXXX 

Description, Service Date, Account Number, XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX {$45.00} XXXX XXXX XXXX VA XXXX XXXX XXXX {$45.00} XXXX XXXX XXXX VA XXXX XXXX XXXX {$45.00} XXXX XXXX XXXX VA XXXX XXXX XXXX {$90.00} XXXX XXXX XXXX VA XXXX XXXX XXXX {$110.00} I then responded to Penn Credit Corporation with a letter ( Attachment XXXX ) sent via USPS Certified Mail on XX/XX/XXXX and delivered on XX/XX/XXXX. This letter outlined that I do not owe the debt stated pursuant to the Fair Debt Collection Practices Act, disputed the debt, and requested verification of the debt or a copy of the judgment against me and for it to be mailed to me. I disputed ownership of the debt as I sold the vehicle in XXXX of XXXX. I included a copy of the bill of sale ( Attachment XXXX ) as proof. 

Enclosed in the letter I also included payment for the XXXX delinquent citations dated prior to XX/XX/XXXX : XXXX, balance {$45.00}, dated XXXX ; XXXX, balance {$90.00}, dated XXXX. Payment was made via USPS money order, receipts for which are included in Attachment XXXX The money orders have been cashed according to the USPS money order status lookup at XXXX. This indicates receipt of both the letter and payment, and acceptance of said payment by Penn Credit Corporation. 

Then on XX/XX/XXXX I received XXXX more Statement of Account letters from Penn Credit Corporation ( Attachment XXXX ), stating that I have a balance for the XXXX accounts below : XXXX XXXX XXXXXXXX VA XXXX XXXX XXXX {$45.00} XXXX XXXX XXXX VA XXXX XXXX XXXX {$45.00} XXXX XXXX XXXX VA XXXX XXXX XXXX {$110.00} Penn Credit Corporation received and cashed my previous payment in the amount of {$45.00} for XXXX, balance {$45.00}, dated XXXX. Yet they continue to harass me for this amount. They also continue to harass me for XXXX, balance {$45.00}, dated XXXX and XXXX, balance {$110.00}, dated XXXX despite me having provided ample proof that the debt is not mine and declining to provide me with any verification of said debt after I provided a bill of sale showing that the vehicle was no longer under my ownership. 

I am filing a complaint with the CFPB to request an immediate stop to these illegal attempts at collecting a debt I do not owe. A satisfactory resolution would include Penn Credit Corporation clearing my account of all invalid debts as described above and ceasing all contact with me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 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:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. 
The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. 
I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-13 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: FL

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY.

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system.

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

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 2024-06-13 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: GA

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 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: CT

Complaint narrative:
I did not instigate these inquiries and have suspicions of their fraudulent nature. I request a comprehensive investigation and their swift removal from my credit report. Supporting documents have been provided for your examination.

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 2024-06-13 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: MD

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.

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 2024-06-13 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: MD

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.

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 2024-06-13 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: MO

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I respectfully request the immediate removal of this inquiry from my credit report, as it is unrelated to me, and I have no association with the involved creditors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-13 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: TX

Complaint narrative:
Subject : Dispute of Unauthorized Charge Off on Credit Report Dear Sir/Madam, I am writing to formally dispute the inclusion of multiple charge offs on my credit report, as reported by your agency. The accounts in question are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, which appears as a charge off on my credit report. 

According to the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681E ( b ), it is illegal for creditors to report inaccurate or unverifiable information on consumer credit reports. Furthermore, I would like to highlight that a charge off, while reflecting a loss for the creditor, is considered income by the Internal Revenue Service ( IRS ) and should not be categorized as debt on my credit report. 

I request that you investigate this matter thoroughly and promptly remove the disputed charge offs from my credit report or the account should be reflected on my report as " Paid in full '' or " Paid as agreed ''. Please provide me with a written explanation of the results of your investigation once it is completed. 

I expect a response within the statutory time frame of 30 days, as outlined by the FCRA. If you are unable to verify the accuracy of these charge offs, I demand that it be removed from my credit report immediately. 

Please note that failure to update these accounts within a reasonable time frame will compel me to take legal action to ensure compliance with the FCRA and protect my rights as a consumer. 

Thank you for your attention to this matter. Please contact me at the above address Sincerely, 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 2024-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

Company response to consumer: Closed with non-monetary relief