vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-08 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: TX

Complaint narrative:
I hope this message finds you well. I am writing to ask for your assistance with a matter regarding potential inaccuracies on my credit report. After reviewing my report, I have noticed several discrepancies that I believe may be incorrect, and I would greatly appreciate your help in reaching out to the credit bureaus to investigate and resolve the issue.

As I understand it, the credit bureaus are required to investigate disputes under the Fair Credit Reporting Act ( FCRA ), and I would like to ensure that these discrepancies are properly addressed. I would be grateful if you could help me by contacting the bureaus on my behalf or advising me on the most effective way to initiate this process. 

XXXX XXXX Date opened : XX/XX/XXXX Balance : {$6600.00} - XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$8500.00} XXXXXXXX XXXX XXXX Opened : XXXX XXXX, XXXX Last payment : XXXX XXXX, XXXX {$11000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-08 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: PA

Complaint narrative:
As reported in the attached FTC complaint the below accounts don't belong to me. 

Reporting inaccurate information across credit reporting companies XXXX XXXX XXXX Account # XXXX ( Closed ) Account Number XXXX XXXX  Account # XXXX ( Closed ) Account Number XXXX XXXX  Account # XXXX ( Reporting Via 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 2024-12-08 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: AmeriCollect
State: IL

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. I have continuously requested that they provide the purchase agreement and other listed documents to show full ownership and have yet to receive any of the requested items after multiple attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: SC

Complaint narrative:
There is an account under the name Jefferson Capital Systems attempting to collect {$7800.00} from me. The account was opened on XX/XX/year>. 

I have no knowledge of this account and I believe it violates multiple consumer rights which will be listed below : 15 U.S.C. 6802 ( protection of nonpublic personal information ), 15 U.S.C. 1681b ( permissible purposes of consumer reports ), and 15 U.S.C. 1681e ( b ) ( requirement for accurate procedures ). An account was unlawfully opened in my name, resulting in unauthorized access to my personal information and misuse of my credit report. Additionally, the inaccurate reporting on my credit file reflects a failure to maintain reasonable procedures to ensure maximum possible accuracy as required by federal law. I request that the CFPB investigate this matter thoroughly and ensure corrective measures are taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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 am writing to notify you that I am a victim of a data breach, and as a result, I am requesting that all accounts listed below be blocked and deleted in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). Please ensure these accounts are removed from my credit report immediately to mitigate the impact of this breach. 
Accounts to be blocked and deleted : XXXX. XXXXXXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$910.00} XXXX. XXXX XXXX  XXXX - XXXX - XX/XX/XXXX - {$1800.00} XXXX. XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX  - XXXX - XX/XX/XXXX - {$3800.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} Inquiries to be blocked : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2024-12-08 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 am writing to notify you that I am a victim of a data breach, and as a result, I am requesting that all accounts listed below be blocked and deleted in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). Please ensure these accounts are removed from my credit report immediately to mitigate the impact of this breach. 
Accounts to be blocked and deleted : XXXX. XXXXXXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$910.00} XXXX. XXXX XXXX  XXXX - XXXX - XX/XX/XXXX - {$1800.00} XXXX. XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX  - XXXX - XX/XX/XXXX - {$3800.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} Inquiries to be blocked : XXXX. XXXX  - XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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: TN

Complaint narrative:
Consumer Name : XXXX XXXX XXXX XXXX XXXX : XXXX Consumer XXXX : XX/XX/XXXX Contents of Complaint : This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Information consists of : XXXX XXXX Account Number : XXXX ; Opened : XX/XX/XXXX ( REMOVE IMMEDIATELY ) -XXXX, Account Number : XXXX ; Opened : XX/XX/XXXX ( REMOVE IMMEDIATELY ) -XXXX  XXXX, Account Number : XXXX ; Opened : XX/XX/XXXX ( REMOVE IMMEDIATELY ) -XXXX XXXX XXXX, Account Number : XXXX ; Opened : XX/XX/XXXX ( REMOVE IMMEDIATELY ) These items have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer FICO Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries in question as a well as a copy of My Consumer Credit Report. I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud. I request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The XXXX Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving said complaint. I request that all written confirmation ( s ) regarding this CFPB Complaint be sent via email to the email address : XXXX -Attached below are supporting documents -A Letter formally detailing the information of my dispute -Copy of US Issued ID ( Proof of Identity ) -Copy of a SSN ( Proof of Identity ) -FTC ( Federal Trade Commission ) Identity Theft 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 2024-12-08 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:
I purchased a XXXX XXXX XXXX on XX/XX/XXXX. The first payment was due on XX/XX/XXXX, which I paid. The issue I have is that the company has not deducted my payments from the balance and it looks as if I have not made any payment on this car. I have been given extensions, and have been charged late payments even if I pay earlier in the month. 

I have been told that 11 payments were extended. I have asked for the extension paperwork which I have not received. Extensions were explained to me that they go on the back of the loan which extends the length of time that I pay for the car. 

My issue is that the balance owed is incorrect, which makes it look as if I am not paying for the car. When I looked at my XXXX credit report it states incorrectly that I have only made one payment, since XXXX, which is not correct and the car would have been repossessed. I need this corrected on my credit reports to reflect that I have been making payments which should decrease the balance. 

I am being contacted constantly by the company, but have not been able to speak to anyone higher than customer service to get this corrected. When I ask about the balance on the loan and why the payments are not being reported correctly as it should be going down, I am told about the daily interest, 11 extensions, late payments etc. That does not answer the questions I am asking. 

I need the balance reported correctly as I have been paying on this loan since XXXX and it should not reflect the same amount as the beginning balance.

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 2024-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I purchased a XXXX XXXX XXXX on XX/XX/XXXX. The first payment was due on XX/XX/XXXX, which I paid. The issue I have is that the company has not deducted my payments from the balance and it looks as if I have not made any payment on this car. I have been given extensions, and have been charged late payments even if I pay earlier in the month. 

I have been told that 11 payments were extended. I have asked for the extension paperwork which I have not received. Extensions were explained to me that they go on the back of the loan which extends the length of time that I pay for the car. 

My issue is that the balance owed is incorrect, which makes it look as if I am not paying for the car. When I looked at my Equifax credit report it states incorrectly that I have only made one payment, since XXXX, which is not correct and the car would have been repossessed. I need this corrected on my credit reports to reflect that I have been making payments which should decrease the balance. 

I am being contacted constantly by the company, but have not been able to speak to anyone higher than customer service to get this corrected. When I ask about the balance on the loan and why the payments are not being reported correctly as it should be going down, I am told about the daily interest, 11 extensions, late payments etc. That does not answer the questions I am asking. 

I need the balance reported correctly as I have been paying on this loan since XXXX and it should not reflect the same amount as the beginning balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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 purchased a XXXX XXXX XXXX on XX/XX/XXXX. The first payment was due on XX/XX/XXXX, which I paid. The issue I have is that the company has not deducted my payments from the balance and it looks as if I have not made any payment on this car. I have been given extensions, and have been charged late payments even if I pay earlier in the month. 

I have been told that 11 payments were extended. I have asked for the extension paperwork which I have not received. Extensions were explained to me that they go on the back of the loan which extends the length of time that I pay for the car. 

My issue is that the balance owed is incorrect, which makes it look as if I am not paying for the car. When I looked at my XXXX credit report it states incorrectly that I have only made one payment, since XXXX, which is not correct and the car would have been repossessed. I need this corrected on my credit reports to reflect that I have been making payments which should decrease the balance. 

I am being contacted constantly by the company, but have not been able to speak to anyone higher than customer service to get this corrected. When I ask about the balance on the loan and why the payments are not being reported correctly as it should be going down, I am told about the daily interest, 11 extensions, late payments etc. That does not answer the questions I am asking. 

I need the balance reported correctly as I have been paying on this loan since XXXX and it should not reflect the same amount as the beginning balance.

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 2024-12-08 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: Conn's, Inc.
State: NC

Complaint narrative:
To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below on my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure the bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.The following information therefore needs to be re-investigated. According to the Fair Credit Reporting Act, 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed document contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original customer contract with my signature in it ) that you have on file for the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be removed immediately. If this account is not removed from my credit report I will sue you for violating my rights and statutory damages being that you violated the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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:
Consumer Name : XXXX XXXX XXXX XXXX XXXX : XXXX Consumer XXXX : XX/XX/XXXX Contents of Complaint : This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Information consists of : XXXX XXXX Account Number : XXXX ; Opened : XX/XX/XXXX ( REMOVE IMMEDIATELY ) -XXXX, Account XXXX : XXXX ; Opened : XX/XX/XXXX ( REMOVE IMMEDIATELY ) -XXXX  XXXX, Account Number : XXXX ; Opened : XX/XX/XXXX ( REMOVE IMMEDIATELY ) -XXXX XXXX XXXX, Account Number : XXXX ; Opened : XX/XX/XXXX ( REMOVE IMMEDIATELY ) These items have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer FICO Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries in question as a well as a copy of My Consumer Credit Report. I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud. I request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The XXXX Credit Reporting Agency XXXX REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving said complaint. I request that all written confirmation ( s ) regarding this CFPB Complaint be sent via email to the email address : XXXX -Attached below are supporting documents -A Letter formally detailing the information of my dispute -Copy of US Issued ID XXXX Proof of Identity ) -Copy of a SSN ( Proof of Identity ) -FTC ( Federal Trade Commission ) Identity Theft Report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-08 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: EQUIFAX, INC.
State: GA

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

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 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 reporting agency may make any 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 than seven years. 

15 U.S.C. 1681s-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 that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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 am writing to inform you that I am a victim of a data breach and request that all accounts listed below be blocked and deleted pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I request that you take immediate action to ensure these accounts are removed from my credit file and that no further action will be taken on them. The following accounts have been impacted : 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 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 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 XXXXXX/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 2024-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 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