vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: TX

Complaint narrative:
Hello, I have a complaint against I.Q. Data International. The problem started in mid XXXX, when I tried to find an apartment. I kept getting denied whenever I filled out an apartment application. I was advised to check my credit report. When I checked my credit, I saw that there was a balance of {$1800.00} put there by I.Q. Data International after apparently buying the debt from XXXX XXXX XXXX apartments. The balance is now around {$2100.00}. After getting an attorney to help clean up this situation and other inaccuracies on my report, I.Q. Data sent out a validation of debt letter. The charges on the paper are for rent and service fees for the months of XXXX, XXXX, and XXXX of XXXX. The paper also says that my Move out date was XX/XX/XXXX which is inaccurate! I moved out XX/XX/XXXX after giving my 60 day notice. I have a document that states when I gave notice and a document recording when I turned in the keys to my apartment in XXXX. The documents are signed by me and one of the apartment employees. I called I.Q. Data in XXXX of this year and told them a mistake was made somewhere. I mailed in copies of my documents to I.Q. Data as proof that the move out date is wrong. I've been pulling my credit every week, and the balance is still there. And I havent received anything from them and I still cant get into an apartment. I.Q. Data International should remove the balance on my credit report because it is based on false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XXXX {$44000.00} XXXX XXXX {$10000.00} XXXXXXXX XXXX  {$17000.00} XXXX XXXX XXXX {$3600.00} XXXX XXXX XXXX {$23000.00} XXXX XXXX XXXX {$44000.00} XXXX XXXX XXXX XXXX {$9400.00} These credit accounts are the results of identity theft 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 2024-12-15 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: KY

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX  XXXX number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent account on my report.Please remove these accounts from my report, they are hurting my ability to obtain credit. Thank you. 
XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian

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 2024-12-15 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Goodwill Removal of Late Payment Dear Sir/Madam, I hope this letter finds you well. I am writing to request your consideration in removing late payments from my credit report for the accounts listed below. I have been a responsible and timely payer overall, and I sincerely regret the oversight that caused the late payment in question. 

Account Information : XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : # XXXX The late payments occurred due to a XXXX XXXX XXXX I was dealing with during that time. This condition caused unexpected XXXX  XXXX  that made it difficult for me to manage my financial responsibilities. While I fully understand the importance of making payments on time, my primary focus during that period was on recovering my health, which caused a delay in my payment processing. 

Since then, I have made every effort to get my finances back on track, and I have ensured that all my payments are up to date. I deeply value my credit and am committed to maintaining a good payment history moving forward. 

As a loyal customer, I kindly request your assistance in removing these late payments from my credit report as a gesture of goodwill. I believe this removal would more accurately reflect my overall creditworthiness and my commitment to fulfilling my financial obligations. 

I greatly appreciate your time and understanding, and I look forward to hearing from you regarding this request. If you require any additional information or documentation, please feel free to contact me. 

Thank you for your consideration. 

Sincerely, 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 explanation
Consumer complaint received 2024-12-15 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 2024-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number ( XXXX ), another personal credit card opened at XXXX  XXXX on XX/XX/XXXX under the account number ( XXXX ), a personal credit account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a collection account opened at XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ), a collection account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), and a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft 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 explanation
Consumer complaint received 2024-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: FL

Complaint narrative:
CollectionOrChargeOff Account Number XXXX Creditor Type CollectionServices Account Description JointContractualLiability Creditor Remarks PLACED FOR COLLECTION High Balance {$970.00} Payment Amount {$970.00} Past Due Amount N/A Payment Frequency N/A Last Payment N/A Term Length N/A Date Opened XXXX Closed Date N/A Date of Last Activity XXXX Date of Last Activity XXXX This isnt my account i need this remolved please.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 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: SC

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, 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 have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2024-12-15 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: NY

Complaint narrative:
I recently received a copy of my consumer file and I want to dispute inaccurate and fraudulent accounts that appear on my consumer file. I request an investigation and permanent removal of the inaccurate and fraudulent accounts in accordance with the Fair Credit Reporting Act ( FCRA ) section 611. I'm requesting you to immediately remove these inaccurate and fraudulent accounts from my consumer report due to violation of my consumer rights under 15 U.S.C 1681a.

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 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Monterey Financial Services LLC
State: GA

Complaint narrative:
Monterey collection services was told to delete account from report instead they have left this account as closed reporting negatively on my credit see attached image from a previous complaint

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-15 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: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
I did not consent, or benefit from, or authorize any of the following accounts XXXX XXXX XXXX XXXX XXXX-ACCT # XXXX {$5700.00} XXXXXXXX XXXX XXXX XXXX XXXXACCT XXXX XXXX {$680.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries : XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, 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 2024-12-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: NCB Management Services Inc.
State: LA

Complaint narrative:
Violations of My Consumer Rights!!! 

XXXX XXXX ( Person ) 18 USC Section 241 15 USC 1650 15 USC 1692 ( g ) ( d ) 18 USC 657 18 USC 1032 18 USC 1344 This ENTITY is a Third Party which I didn't not sign a contract with. I owe this ENTITY nothing!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nelnet, Inc.
State: SC

Complaint narrative:
I entered in to a payment plan with FirstMark services. I have made routine payments over the last year and they still have my account registering as in collections to credit bureaus even though we have entered a payment agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
On XX/XX/XXXX a payment in the amount of {$24000.00} was applied to my account. As it turned out, the account information that was provided was bogus. American Express knew on XX/XX/XXXX that the payment was returned insufficient. It was not until XX/XX/XXXX that I was informed that there was a problem with the payment. I relied on the information shown on the American Express app to make important financial and personal decisions. Although American Express knew on XX/XX/XXXX that the payment was insufficient, they did not change other areas of their app to reflect the erroneous payment. American Express XXXX assured me on XX/XX/XXXX that the payment was posted and had been marked paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank
State: TN

Complaint narrative:
1 year and 11 months ago first progress bank reported that I missed a payment on my credit card due to autopay not pulling the payment for the bill. After speaking with first progress bank we came up with a solution which is I would pay the late payment and they would reverse the late payment as a goodwill adjustment. I paid the bill and they kept their word and removed the inaccurate late payment from the credit reports of XXXX and XXXX but XXXX never removed the late payment from my credit report. So as of now my esperian credit report is reporting an inaccurate late payment which is stoping me from buying a home and other things.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Violations of My Consumer Rights!!! 

XXXX XXXX ( Person ) 18 USC Section 241 15 USC 1650 15 USC 1692 ( g ) ( d ) 18 USC 657 18 USC 1032 18 USC 1344 This ENTITY is a Third Party which I didn't not sign a contract with. I owe this ENTITY nothing!!!!!!!!!

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 2024-12-15 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: LA

Complaint narrative:
Violations of My Consumer Rights!!! 

28 3002-10 ( Person ) 18 USC Section 241 15 USC 1650 15 USC 1692 ( g ) ( d ) 18 USC 657 18 USC 1032 18 USC 1344 This ENTITY is a Third Party which I didn't not sign a contract with. I owe this ENTITY nothing!!!!!!!!!

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 2024-12-15 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: CA

Complaint narrative:
My personal information may have been compromised due to the Experian data breach, potentially falling into the wrong hands. As a result, I have identified three unrecognized collection accounts on my credit report that must be deleted immediately. The accounts in question are as follows : 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

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 2024-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Netspend Corporation
State: TN

Complaint narrative:
On XX/XX/year> My funds were unauthorized transfers from my NetSpend account to someone else XXXX XXXX  account for the amount of XXXX without my acknowledge. I was going through a challenging situation at that time. On the month of XXXX I contacted NetSpend to file a dispute with the XXXX XXXX, NetSpend did receive my dispute and open a dispute for also, close my account as well. After the month of XXXX NetSpend sent me a check for XXXX in which that is not all of the dispute for my claim number for the amount of the dispute. NetSpend insist on improving part of my funds and sent me what they think I deserve. I call NetSpend to get the rest of my funds of XXXX NetSpend reopened the claim after I sent them the claim number for the amount of the dispute and they sent documents from the investigation on the dispute in which the names they have I have no acknowledgement of the person that made the unauthorized transfers. I haven't received any response yet about the reopening of my dispute.

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