vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-24 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-12-24 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: CA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc.
State: SC

Complaint narrative:
To Whom It May Concern, I am writing in response to your phone call that Ive received. I request that you provide validation of the debt you claim I owe, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following information : 1. The name and address of the original creditor. 2. The date the debt was allegedly incurred. 3. The amount of the debt, including a detailed breakdown of all fees, interest, and other charges. 4. A copy of any signed agreement or contract that obligates me to pay the debt. 5. Proof that your agency is licensed to collect debts in my state. I also request that you cease all communication with me about this matter, except to provide the requested information or to inform me of specific actions you plan to take, as permitted by law. Please note that this letter is not an acknowledgment of liability for this debt. I will review the requested documents to determine if I am legally obligated to pay. Thank you for your cooperation. I look forward to your timely response. Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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 had a fraudulent account from XXXX  XXXX removed from my credit report because of fraud and a collection from XXXX is still reporting on my credit report as a collection for an account that was opened using fraud please remove this account from my credit report immediately it is inaccurate and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 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: LEXISNEXIS
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX  and XXXX XXXX  must expose their wrongful fraudulent actions they take on behalf of fake doctor illegal immigrants XXXX XXXX fake XXXX XXXX against myself the legal owner document attached or lie a duplicate and be fined by the CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-12-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: CNG FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX account is charged off, however it shows as debt. If it is charged of I should have received a 1099. Improperly listing as a debt yet charging as income is a violation, without providing a 1099 as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - Late/closed XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : XXXX XXXX Late/closed XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$180000.00} - Late/Open XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : XXXX XXXXXXXX Late/Open XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : XXXX XXXXXXXX Late/Open XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NATIONAL CREDIT SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing in response to your phone call that Ive received. I request that you provide validation of the debt you claim I owe, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following information : 1. The name and address of the original creditor. 2. The date the debt was allegedly incurred. 3. The amount of the debt, including a detailed breakdown of all fees, interest, and other charges. 4. A copy of any signed agreement or contract that obligates me to pay the debt. 5. Proof that your agency is licensed to collect debts in my state. I also request that you cease all communication with me about this matter, except to provide the requested information or to inform me of specific actions you plan to take, as permitted by law. Please note that this letter is not an acknowledgment of liability for this debt. I will review the requested documents to determine if I am legally obligated to pay. Thank you for your cooperation. I look forward to your timely response. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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: CA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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: GA

Complaint narrative:
States account is charged off, however it shows as debt. If it is charged of I should have received a 1099. Improperly listing as a debt yet charging as income is a violation, without providing a 1099 as well.

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 2024-12-24 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: GA

Complaint narrative:
States account is charged off, however it shows as debt. If it is charged of I should have received a 1099. Improperly listing as a debt yet charging as income is a violation, without providing a 1099 as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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: GA

Complaint narrative:
States account is charged off, however it shows as debt. If it is charged of I should have received a 1099. Improperly listing as a debt yet charging as income is a violation, without providing a 1099 as well.

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 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
Closing my business accounts started from 2017 by Paypal, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also by payment processors like : XXXX, PayPal, XXXX, Base on false and incorrect documents and info reported by XXXX and only because of my country of birth!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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: VA

Complaint narrative:
This complaint goes with complaint number XXXX. I just wanted to add a few key points in here. 1. Equifax Data Breach Settlement nor Equifax itself has not even tried reaching out to me they ignored me when I sent them a total cost of {$8000.00} with a break down of how and why it cost {$8000.00} to reverse the impact it had on me so far their databreach. I had to dispute with 3 companies accounts that weren't mine. Inquires that weren't mine. I had to have conversations with these companies hire a lawyer to write these companies file reports. Furthermore it has been nothing easy. They can say what they want but their data breach caused this. So for them to over me {$17.00} when they got a bill and a breakdown of cost on that bill awhile back mailed in by myself is a slap in the face. However after I file a complaint with cfpb they still yet to contact me but reatgar send me an email offering me I think XXXX dollars more. See screenshot this is beyond a slap in the face it's a mockery and I will be filing my own lawsuit against Equifax for the {$8000.00} dollars i am out because of them plus any attorney and court fees for doing so. They will soon get an intent to sue letter certified mailed to them. They just don't care.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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 had a fraudulent account from XXXX  XXXX removed from my credit report because of fraud and a collection from XXXX is still reporting on my credit report as a collection for an account that was opened using fraud please remove this account from my credit report immediately it is inaccurate and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 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: FL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - Late/closed XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : XXXX XXXX Late/closed XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$180000.00} - Late/Open XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : XXXX XXXX Late/Open XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : XXXX XXXX Late/Open XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : XXXX XXXXXXXX Late/Open XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$250.00} - Collection XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : XXXX XXXX  Collection 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 2024-12-24 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: CT

Complaint narrative:
XXXX XX/XX/XXXX FAIRWAY INDE XX/XX/XXXX XACTUS-AVANTUS/FAIRWAY XX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX CAPITAL XXXX XX/XX/XXXX CAP XXXX NA XX/XX/XXXX CAPITALONE XX/XX/XXXX DISCOVER FINANCIAL SER XX/XX/XXXX DISCOVER FINANCIAL SER XX/XX/XXXX FEB/DESTINY XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX CORELOGIC XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 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: LEXISNEXIS
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX under the FCRA must expose their fraudulent actions that they take against the owner of XXXX XXXX XXXX illegally or be fined by the CFPB

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 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: GA

Complaint narrative:
All My infomation was exposed in data breach and want see if yall can review it and remove I even see XXXX names and stuff on my report like my whole information has been exposed in a date of breach. Please review my account and get my name cleared thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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: PA

Complaint narrative:
Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Different platforms are showing different account. I listed all of them.

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 2024-12-24 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: IL

Complaint narrative:
Closed accounts listed on report as active. Collections listed on accounts that have inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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: FL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX Account # XXXX Date XXXX Balance Owed : {$0.00} - late/Closed - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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