vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-21 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: NC

Complaint narrative:
I am writing regarding my second dispute as a victim of identity theft. Enclosed are copies of my police report, identity theft report, drivers license, Social Security card, and proof of my current address to verify my identity. This is my second formal request, as my initial dispute was unjustly denied despite the clear evidence of fraudulent activity. 

I have reviewed my credit file again, and the fraudulent information still does not relate to any transactions I have made. I am requesting that this incorrect information be immediately blocked and removed from my credit file. This is not a regular dispute ; I have filed a complaint with the Federal Trade Commission to document this identity theft. 

Pursuant to Sections 605B, 615 ( f ), and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), I am requesting that you block and delete the following fraudulent accounts and incorrect personal information from my credit file within 4 days of receiving this letter : Incorrect Personal Information Account Number : Previous Address : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Incorrect Personal Information Account Number : Previous Address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX Identity Theft - Fraudulent Bankruptcy Case : Bankruptcy XXXX  XXXX Case Number : XXXX Please remove this from my credit report. 

XXXX XXXX This second request reflects the seriousness of my situation, and I expect the fraudulent information to be blocked and removed promptly as required by law. Failure to address this matter appropriately may result in additional actions to protect my rights. 

Thank you for your attention to this issue, and I look forward to confirmation that the fraudulent information has been 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 explanation
Consumer complaint received 2024-10-21 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: NC

Complaint narrative:
I am writing regarding my second dispute as a victim of identity theft. Enclosed are copies of my police report, identity theft report, drivers license, Social Security card, and proof of my current address to verify my identity. This is my second formal request, as my initial dispute was unjustly denied despite the clear evidence of fraudulent activity. 

I have reviewed my credit file again, and the fraudulent information still does not relate to any transactions I have made. I am requesting that this incorrect information be immediately blocked and removed from my credit file. This is not a regular dispute ; I have filed a complaint with the Federal Trade Commission to document this identity theft. 

Pursuant to Sections 605B, 615 ( f ), and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), I am requesting that you block and delete the following fraudulent accounts and incorrect personal information from my credit file within 4 days of receiving this letter : Incorrect Personal Information Account Number : Previous Address : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Incorrect Personal Information Account Number : Previous Address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX Identity Theft - Fraudulent Bankruptcy Case : Bankruptcy XXXX  XXXX Case Number : XXXX Please remove this from my credit report. 

XXXX XXXX This second request reflects the seriousness of my situation, and I expect the fraudulent information to be blocked and removed promptly as required by law. Failure to address this matter appropriately may result in additional actions to protect my rights. 

Thank you for your attention to this issue, and I look forward to confirmation that the fraudulent information has been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
I did not consent to authorize nor benefit from the following account ( s ). Block and Remove.

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 2024-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I have tried to dispute the following account after my U.S. Bankruptcy discharge in XXXX of 2023. I submitted a dispute to have it discharged but they have refused to change the status. This was their INACCURATE response : Item in dispute : Original creditor : APPLE CARD - GS BANK USA Original creditor : APPLE CARD - GS BANK USA Result : Not Changed Disputed information was verified as accurate from APPLE CARD XXXX GS BANK USA but that is INACCURATE. 
XXXX investigated your dispute but the information was verified as accurate. Other information was also updated. 

I'm not satisfied with this result Dispute reason : Accuracy This account is included in bankruptcy. This account is closed. 


Contact info APPLE CARD - GS BANK USA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX See current account details

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-10-21 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: NJ

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 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: IL

Complaint narrative:
Ive been trying to communicate my concerns regarding the inaccuracies on my credit report for months now but to no avail, this is an issue that I want to be addressed and this complaint is obviously not a mistake or sent in error. These are challenging times and the circumstances are not in my favor, the burdens keep piling up which continuously impacts my life negatively, having these inaccuracies corrected or removed from my credit report will be immensely helpful.

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 2024-10-21 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: IL

Complaint narrative:
Transunion, To Whom it may concern, I have been sending dispute after dispute with plenty of evidence attached to more than prove that what I am saying is TRUE and CORRECT! You continue to rubber stamp all my disputes, with stating that They belong to You - VERIFIED. Transunion doesn't even perform a real investigation, ever, They just replicate their responses over and over. I have filed a Lawsuit in the Federal court system Case No. XXXX XXXX XXXXXXXX : in The XXXX XXXX XXXX XXXX. I am asking for the very LAST time for you to delete all of the FRAUDULENT accounts that are being reported on my Transunion credit report. Please delete ALL of the Following : 1 ) XXXX XXXX XXXX {$6700.00} XXXX - See Attached Criminal Reports! FCRA

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 2024-10-21 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: WI

Complaint narrative:
In accordance with the tair credit reporting act. The list of accounts below has violated my protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX 15 U.S. C 1681 section 602 A. States I have right to privacy 15 U.S.C.

Section 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) section states no consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crimes which antedates the report by more that 7 years.

15 U.S.C. 16815-2 ( 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 the information is accurate.

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 2024-10-22 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 the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the accounts, or inaccurate information, from my file immediately XXXX  XXXX XXXX XXXX, XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 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: WA

Complaint narrative:
I have repeatedly contacted the bureau for validation and verification which they never provided because of their illegal practices. I have repeatedly contacted TransUnion consumer relations department and they tell me they are allowed to unlawfully report every single month on a debt I do not owe and they do not own. They refuse to provide proof of verification of ownership of debt.

False statement and representation : Failed to provide Debt validation and verification confirming details of debt, Legal ownership of debt including original contract & payments. US federal codes 15 USC 1692 ( c )

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 2024-10-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Cascade Capital, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX ct XXXX, Ga XXXX XXXX XXXX XX/XX/XXXX Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : XXXX XXXX Debt Report Dear FTC XXXX Department, I am writing to report a fraudulent medical debt that has been placed in collections. The details are as follows : Original Creditor : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Original Account Number : XXXX Balance : {$1400.00} Location of Services : XXXX XXXX XXXX XXXX of Services : XX/XX/XXXX Current Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Creditor Account Number : XXXX I want to bring to your attention that I have already disputed this debt with a previous collection agency and successfully had it removed from my credit report. Unfortunately, I can not recall the name of the previous agency involved in that dispute. 

I would like to clarify that I have never received any XXXX XXXX from XXXX XXXX XXXX XXXX, nor have I ever visited the XXXX XXXX XXXX on the stated date or any other date. Therefore, I believe this debt is fraudulent and does not belong to me. 

Please advise on the necessary steps I should take to resolve this matter. I appreciate your attention to this issue and look forward to your assistance in rectifying this situation. 
because they have called me and I told them this wasnt my day and now they sent me some papers with just the information I gave you on it, Ive already told him it wasnt me Thank you for your help. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
My process that leaded me to this complaint I was getting harassing calls from these collections companies, and emails, plus mail that I was giving them payments when there was no payments done. What so ever by my part.

I explained the collection companies I was in the do not call list which I attached to this complaint and the calls went from 3 per day per account to Monday to Weekends very early in the morning to XXXX. 6 times per account and per day.

I printed my credit report.

I saw that this collection company.

Midland Credit Management has 1 account under open, under collection, and wrong information of the debts was in my credit report. Depts were closed by the original
creditor and mentioned to me that they were Charge off. Place of loss to the taxes and send 1099 's Midland Credit Management has ; Account Information : Midland Credit Management Creditor Name : XXXX XXXX  Account Number : XXXX Balance : {$540.00} I asked for the collection company to verify my information, the dept, to send me proof I did a contract with them, proof of my social security, my address last payment done, that they own the dept and could collect on the behalf of the creditor.

Base on Inaccurate Information Pursuant to 15 U.S.C.

In accordance with 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I am requesting that you conduct a reasonable reinvestigation to determine the accuracy of the dispute information I kindly request that you contact the furnisher of the information to verify the accuracy of the disputed item.

I understand that, under 15 U.S.C. 1681i ( a ) ( 3 ) ( A ), you are required to complete the reinvestigation within 30 days of receiving this dispute, unless you notify me that an extension is necessary.

If after your reinvestigation, it is determined that the information is inaccurate, incomplete, or can not be verify, I expect the prompt removal or correction of the disputed item from my credit report.

Please send all correspondence regarding this matter to the address listed above. I appreciate your attention to this dispute and your compliance with the FCRA regulations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 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:
There are incorrect entries on my credit report related to 15 USC 1681c-2, with unauthorized inquiries hurting my credit. I request the removal of all hard inquiries I did not approve. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: OH

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX XXXX XXXX Acct 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 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Since XX/XX/year>, I have been in contact with Experian to correct a significant error in my credit report related to the lack of an address appearing on my report. Due to this issue, furnishers are unable to access my credit information, causing me numerous financial difficulties. 
Impact : I applied for a job at XXXX XXXX XXXXXXXX and XXXXXXXX XXXX, but both employers were unable to view my credit information due to this error. 
I have attempted to apply for loans from various institutions, but all of my applications have been denied for the same reason. 
Despite repeated efforts to have Experian correct my credit report, they have not taken any action to resolve this matter. This has negatively impacted my ability to secure employment and credit, leading to significant financial hardship.

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 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Since XX/XX/year>, I have been in contact with Experian to correct a significant error in my credit report related to the lack of an address appearing on my report. Due to this issue, furnishers are unable to access my credit information, causing me numerous financial difficulties. 
Impact : I applied for a job at XXXX XXXX XXXXXXXX and XXXXXXXX XXXX but both employers were unable to view my credit information due to this error. 
I have attempted to apply for loans from various institutions, but all of my applications have been denied for the same reason. 
Despite repeated efforts to have Experian correct my credit report, they have not taken any action to resolve this matter. This has negatively impacted my ability to secure employment and credit, leading to significant financial hardship.

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