vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-19 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: VA

Complaint narrative:
A third party collector show up on my credit report by the name of XXXX XXXX XXXX and I do not know who they are. It says sprint but I have never had sprint before. This information is false. And I would like it removed asap

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 2024-02-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Crow Creek Sioux Tribe
State: WA

Complaint narrative:
On XX/XX/XXXX, both my mother and my sister received a call from a representative named XXXX XXXX saying that I had a pending case in XXXX XXXX. Then my mother shows me the number and calls back, so I talk to the representative and she says that it is because I owe Buffalo Lake lending and that they are planning to take me to small claims court over an old debt. They also threatened a judgement on my credit report. She went on to threaten garnishment of wages and said that me not paying would make them go to court and charge me with fraud.

Company response to consumer: Untimely response
Consumer complaint received 2024-02-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc.
State: TN

Complaint narrative:
Southwest Recovery Services posted a debt to my credit report that I did not owe. I spoke to them on XX/XX/24 and provided documentation showing that I did not owe this debt. They verified that I did not owe the debt and informed me it would be removed from my credit report on the XXXX or XXXX of XXXX. It was not removed from my credit report and I am suffering severe financial losses as a result.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 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: TX

Complaint narrative:
On XX/XX/XXXX, I disputed that XXXX had charged off my account as of XX/XX/XXXX and a balance remained reporting on my credit report with TransUnion. I have attached the 1099 I received from XXXX to this complaint for your review. It is my understanding that the balance should reflect {$0.00} when an account is listed as a charge off.

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 2024-02-19 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX and this is not a third party. I have attached documents for your review. The credit reporting agencies are reporting INACCURATE/ INCOMPLETE accounts on my consumer report. As a consumer I have a right to XXXX percent accuracy on my consumer report. Please review the documents and update the information. 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 non-monetary relief
Consumer complaint received 2024-02-19 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:
I recently pulled my credit and discovered various mistakes on my file. There are previuos addresses that don't belong to me, several accounts that say late paymenst in which I don't agree with and a charged off account and several accounts that are not mine.

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 2024-02-19 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: NC

Complaint narrative:
The credit bureaus never did a proper Investigation according to the FCRA. The term investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or Mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning any such items of information. This process was not properly conducted with addition to multiple violations of my rights, In accordance with the Fair Credit Reporting Act, Everything must be 100 % accurate concerning my consumer report. Credit Bureau in violation : XXXX The credit Bureau Never responded to my initial method of communication via mail parcel. 2 of 3 bureaus has already begun the process of inaccurate item removals. This bureaus lack of persistence and punctuality has taken a negative impact on my ability to obtain lending, negatively impacted my approval rating for lender products etc. They also violated the law. Because according to 15 U.S.C Section 1692g ( a ) ( b ) the consumer reporting agency failed to provide notice of debt contents 15 U.S. Code 1681i ( a ) - Procedure in case of disputed accuracy 15 U.S.C 1681. Section 6028. States I have the right to privacy. 15 USC. 1681. Section 604. A. Section 2. It also states a consumer Reporting agency can not furnish an account without any written instructions. This grounds for removal.

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 2024-02-19 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: NC

Complaint narrative:
The credit bureaus never did a proper Investigation according to the FCRA. The term investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or Mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning any such items of information. This process was not properly conducted with addition to multiple violations of my rights, In accordance with the Fair Credit Reporting Act, Everything must be 100 % accurate concerning my consumer report. Credit Bureau in violation : Equifax The credit Bureau Never responded to my initial method of communication via mail parcel. 2 of 3 bureaus has already begun the process of inaccurate item removals. This bureaus lack of persistence and punctuality has taken a negative impact on my ability to obtain lending, negatively impacted my approval rating for lender products etc. They also violated the law. Because according to 15 U.S.C Section 1692g ( a ) ( b ) the consumer reporting agency failed to provide notice of debt contents 15 U.S. Code 1681i ( a ) - Procedure in case of disputed accuracy 15 U.S.C 1681. Section 6028. States I have the right to privacy. 15 USC. 1681. Section 604. A. Section 2. It also states a consumer Reporting agency can not furnish an account without any written instructions. This grounds for removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-19 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: NC

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2024-02-19 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: NC

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2024-02-19 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:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2024-02-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Upstart Holdings, Inc.
State: AL

Complaint narrative:
Per my loan payment agreement for automatic payment, the loan is to be paid on the due date ( the XXXX of each month ) or the following business day. I had to contact them several months ago when the loan was taken from my bank account two days early, in XXXX XXXX  for the XXXX payment. I was told, " Oh, it's your bank. We send it to come out on the XXXX ''. According to my bank, that is not correct. The loan amount was, again, deducted early from my account this month. This is not a primary bank account and, if we plan on transferring the funds into that account the weekend before the payment is scheduled, and it is deducted early, we have to pay fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 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: MI

Complaint narrative:
Transunion credit bureau refuses my rights to privacy 15 USC ( 1681 ( a ) ( 4 ). I did not give Transunion my consent to post anything to my consumers credit report. No consent is identity theft. Transunion has also taken and admitted to receiving information from other parties other than myself and posted it to my consumers report. Transunion is defaming my character and is causing emotional and physical damage to me. There is no such LAW that states anything needs to be reported to a consumer reporting agency. Ive reached out to Transunion via phone and mail ( via certified letter ). Transunion is damaging my right to extend credit. I am being discriminated against because of TRANSUNION.

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 2024-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Credit Fresh Holdings Inc
State: IL

Complaint narrative:
The company ( companies? ) in question has ( have ) repeatedly called and texted my parents at their home and cell phone numbers for accounts that they are not interested or financial parties of.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENOVA INTERNATIONAL, INC.
State: UT

Complaint narrative:
CASHNET USA has obtained a third party debt collector XXXX XXXX XXXX who has been leaving text messages with my ex wife demanding payments to the third party debt collector who is stating over the phone a garnishment has been approved by a Judge and garnishment proceedings will commence soon, this is highly illegal behavior against the FDCPA and carries a $ XXXX/occurrence. Cease and desist has been requested from both parties. Only send correspondence by mail, these violations that have occurred carry monetary damages that need to be paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 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: FL

Complaint narrative:
Upon checking my consumer report, I have become aware of the many errors, including false and misleading information, these collection accounts are not meeting the credit reporting standards of reporting 100 % accurately. This has ruined my reputation, has caused embarrassment & humiliation and is damaging my entire life by keeping me from getting new credit for personal, family, and household purposes. I respectfully demand the Consumer Financial Protection Bureau to enforce the deletion of these accounts.

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 2024-02-19 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:
I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: REPORTS, INC.
State: TN

Complaint narrative:
Received a letter from Reports, Inc. claiming I failed to respond to previous notices regarding payments to a local hospital. The hospital is one that I visited recently, so I assumed I had somehow missed the payment and immediately paid the collection bill. However, looking at my insurance claims, I now realize I had already paid the bill. 

The letter claimed that I had failed to respond to previous notices, but there were no previous notices. When I called the phone number listed on the letter, I got a menu that had no option to speak to a person. I hit zero to speak to the operator and got a message saying that the number was unavailable. The company 's website says that they are an accredited member of the XXXX XXXX XXXX ( XXXX ) with an A+ rating, but that is a false statement - the company is not an accredited member. As far as I can tell, this is a scam to get money for a non-existing debt, and there is no way to actually contact a person working at the company.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 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:
In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 

XXXX XXXX XXXX XXXX has violated my rights. 



15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. 

THESE ITEMS WERE DISPUTED WITH ALL 3 CREDIT BUREAUS ON XX/XX/XXXX THEY ALL STILL APPEAR ON MY CREDIT REPORT AND NEED TO E REMOVED BECAUSE THEY ARE BREAKING THE LAW 1. Identity Theft XXXX XXXX NA Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report. 

3. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX  This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report XXXX. XXXX  Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from 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 2024-02-19 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 

XXXX XXXX XXXX XXXX has violated my rights. 



15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.

1. 15 USC ( 1666b ) Acreditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXX XXXX XXXX XXXX Account Number : XXXX please update all late payments, all payments was made on time 2. 15 USC ( 1666b ) Acreditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXX XXXX Account Number : XXXX please update all late payments, all payments was made on time 3. 15 USC ( 1666b ) Acreditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXX XXXX XXXX XXXX  Account Number : XXXX please update all late payments, all payments was made on time 4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

5. The following account is not mine XXXX Account XXXX : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

6. The following account is not mine XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

7. 15 USC ( 1666b ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXX XXXX XXXX Account Number : XXXX please update all late payments, all payments were made on time I SENT OUT DISPUTE LETTER TO REMOVE LATE PAYMENTS BECAUSE Under 15 USC 1681a ( 2 ) ( A ) ( i ) late payments are transactions and transactions are excluded from a consumer report. 

Also, I DISPUTED ACCOUNTS THAT WERE NOT MINE, AND CREDIT BUREAUS STILL LEFT ON MY REPORT AND DIDN'T COMPLY WITH THE FEDERAL TRADE COMMISSION

Company response to consumer: Closed with non-monetary relief