vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-14 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:
On XXXX, XXXX, XXXX XXXX  I reached out to CRA to confirm dispute my request Mortgage payments duplicated as debt and lowering my credit score. CRAs reporting the XXXX XXXX Mortgage informed them I was XXXX days late on my mortgage as of XX/XX/year>. I informed them and provide documents the Loan was transferred to another Lender and it was not Late and XXXX informed me I never missed any payments with them. XXXX  Days Later all XXXX Credit bureaus are reporting the same information and refuse to remove inaccuracies. XXXX and equifax verified my request but XXXX Representatives asserted they verified an account with XXXX when XXXX confirmed to me an alleged account had been sent to collections. I Informed the CRA 's with uploaded documentation of disputes with XXXX various collection agencies alleged to collect on behalf of XXXX, neither responded to my requests for Validation of alleged debt per FDCPA ( 15 U.S.C. 1692g ( a ) ( XXXX  ). ), XXXX consistently provided me inaccurate information. On hold XXXX minutes and never transferred to a Supervisor as requested. dispute number for my recorded was not provided upon request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 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: GA

Complaint narrative:
On XXXX, XXXX, XXXX 2024 I reached out to CRA to confirm dispute my request Mortgage payments duplicated as debt and lowering my XXXX XXXX. CRAs reporting the XXXX XXXX XXXX informed them I was 30 days late on my mortgage as of XX/XX/year>. I informed them and provide documents the XXXX was transferred to another XXXX and it was not XXXX and XXXX informed me I never missed any payments with them. 2 Days Later all XXXX Credit bureaus are reporting the same information and refuse to remove inaccuracies. Experian and XXXX verified my request but XXXX XXXX asserted they verified an account with XXXX when XXXX confirmed to me an alleged account had been sent to collections. I Informed the CRA 's with uploaded documentation of disputes with XXXX various collection agencies alleged to collect on behalf of XXXX, neither responded to my requests for Validation of alleged debt per FDCPA ( XXXX U.S.C. XXXX ( a ) ( 2024 ). ), XXXX consistently provided me inaccurate information. On hold XXXX minutes and never transferred to a XXXX as requested. dispute number for my recorded was not provided upon request.

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 2024-12-14 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:
I had my identity stolen and the perpetrator opened up various loans, credit cards, and account in my name and was stealing my personal information for their own benefit. I submitted an FTC identity theft report to Transunion and disputed the listed items below but nothing has been done about it. I reviewed my credit report on XX/XX/XXXX  and noticed that the following fraudulent accounts have not been removed from my credit report as requested during my dispute process with Transunion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion is in clear violation of the following provisions of the Fair Credit Reporting Act ( FCRA ) : Section 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] - Ensuring Maximum Possible Accuracy XXXX failed to follow reasonable procedures to ensure maximum possible accuracy of the information concerning the account since these accounts were opened fraudulently and I requested for the removal of these tradelines and a correction to my credit report. There was no evidence to prove that these tradeline should stay on my credit report as these accounts are not mine. It is important that Transunion ensures the Maximum possible accuracy with these accounts before making a decision. Further legal action will be taken if necessary if these accounts are not resolved. 

Attached is the FTC Report for review

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 2024-12-14 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: LA

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 XXXX 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 XXXXXX/XX/XXXX under XXXX account number XXXX, an auto loan account opened aXXXX XXXX XXXX XXXX XXXX XXXXnder the account number XXXX, a personal loan account opened at XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$2300.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXXs proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 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 recently reviewed my credit report and noticed i have fraudulent accounts on my report, please remove these fraudulent accounts on my report, they are hurting my ability to obtain credit. 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 2024-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
XX/XX/year> my bank account with this company showed XXXX dollars and there were widespread incidents of this across the nation. The day this happened my debit card was fraudulently charged for XXXX to XXXX network. I have a XXXX account but have no receipt or record of this charge being from my account. They never provided proof after making multiple claims XXXX extremely disappointed even though its only 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 monetary relief
Consumer complaint received 2024-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I noticed several accounts on my credit report that appear to be added without my knowledge. Please take steps to block and remove these fraudulent entries.

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 2024-12-14 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:
It has come to my attention that my personal information has been exposed in a national data breach. After reviewing my credit reports, I noticed some account that i am not familiar with. I have asked the credit reporting agencies for validation of dept, however the information has not been provided. Due to my information being exposed, i have submitted an FTC complaint reporting the information I am not familiar with. 

Please find attached a copy of my ID, the FTC complaint, a copy of the XXXX report showing my information being exposed in a national data breach, and a validation of dept letter.

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 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I reviewed my credit report and found multiple late payment records that are inaccurate. These mistakes do not reflect my actual payment behavior. Please rectify these errors and update my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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 recently reviewed a copy of my Credit report and noticed i have a fraudulent accounts on my report, please remove these accounts, they are hurting my ability to obtain credit

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 2024-12-14 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:
These following accounts do not belong to me and reports were made already. My identity was stolen and I have tried several attempts to get these accounts removed as they do not belong to me. I have asked for proof that they belong to me and it was not given. I have attached an identity theft report with further details. The credit companies are also breaking several laws which I will include in here. Account XXXX XXXX XXXX, open date XX/XX/XXXX, XXXX. Account XXXX XXXX XXXX, open XX/XX/year>. These are XXXX of the same account that dont belong to me. I would like proof that these accounts belong to me from the company reporting them. Account XXXX XXXX, open XX/XX/year>. These accounts do not belong to me and was involved in my identity being stolen. Under 15 U.S.C. 1692g, also known as the Fair Debt Collection Practices Act ( FDCPA ), consumers have the right to request validation of debts. This statute requires that debt collectors provide the debtor with certain information to validate the debt upon request. Specifically, the creditor must provide evidence that the debt is accurate and confirm that it is indeed associated with the consumer in question. If this information can not be provided, the items should be removed immediately.

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 2024-12-14 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:
These following accounts do not belong to me and reports were made already. My identity was stolen and I have tried several attempts to get these accounts removed as they do not belong to me. I have asked for proof that they belong to me and it was not given. I have attached an identity theft report with further details. The credit companies are also breaking several laws which I will include in here. Account XXXX XXXX XXXX, open date XX/XX/XXXX, XXXX. Account XXXX XXXX XXXX, open XX/XX/year>. These are XXXX of the same account that dont belong to me. I would like proof that these accounts belong to me from the company reporting them. Account XXXX XXXX, open XX/XX/year>. These accounts do not belong to me and was involved in my identity being stolen. Under 15 U.S.C. 1692g, also known as the Fair Debt Collection Practices Act ( FDCPA ), consumers have the right to request validation of debts. This statute requires that debt collectors provide the debtor with certain information to validate the debt upon request. Specifically, the creditor must provide evidence that the debt is accurate and confirm that it is indeed associated with the consumer in question. If this information can not be provided, the items should be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: TX

Complaint narrative:
I recently checked my credit report and noticed multiple billing errors. These late payment records don't reflect my usual payment behavior. Please rectify these mistakes and update my account. 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 explanation
Consumer complaint received 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
ON XX/XX/year> MY ACCOUNT WITH WORTH FINANCE OF {$1400.00} PAYMENT STATUS WAS CHARGED OFF AS BAD DEBT, HOWEVER THIS IS ACTUALLY CONSIDERED INCOME BECAUSE I SHOULD HAVE RECEIVED A 1099 C IN ORDER TO ACCOUNT FOR THIS AS INCOME. THIS IS NOT A CHARGE OFF AND I'M REQUESTING THAT THIS IS REMOVED BECAUSE IT IS NOT DEBT. THIS IS CONSIDERED INCOME AND INCOME SHOULD NOT BE REPORTING ON 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 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
ON XX/XX/year> MY ACCOUNT WITH XXXX XXXX  OF {$1400.00} PAYMENT STATUS WAS CHARGED OFF AS BAD DEBT, HOWEVER THIS IS ACTUALLY CONSIDERED INCOME BECAUSE I SHOULD HAVE RECEIVED A 1099 C IN ORDER TO ACCOUNT FOR THIS AS INCOME. THIS IS NOT A CHARGE OFF AND I'M REQUESTING THAT THIS IS REMOVED BECAUSE IT IS NOT DEBT. THIS IS CONSIDERED INCOME AND INCOME SHOULD NOT BE REPORTING ON 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 explanation
Consumer complaint received 2024-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I reviewed my latest credit report and noticed unauthorized accounts listed. Please take action to block and eliminate these fraudulent 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 2024-12-14 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: IL

Complaint narrative:
This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report, I found several inaccuracies regarding late payments. These do not align with my typical payment history. Kindly make the necessary corrections and update my account. 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 2024-12-14 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:
It has come to my attention that my personal information has been exposed in a national data breach. After reviewing my credit reports, I noticed some account that i am not familiar with. I have asked the credit reporting agencies for validation of dept, however the information has not been provided. Due to my information being exposed, i have submitted an FTC complaint reporting the information I am not familiar with. 

Please find attached a copy of my ID, the FTC complaint, a copy of the XXXX report showing my information being exposed in a national data breach, and a validation of dept letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
My credit report shows several accounts that I believe were added without my permission. I urge you to address these discrepancies and remove the fraudulent entries.

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 2024-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: NJ

Complaint narrative:
DEAR SOUTHWEST CREDIT SYSTEMS, According to the Fair Credit Reporting Act, Section XXXX ( a ) ( XXXX ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts 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 ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 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: SC

Complaint narrative:
I noticed discrepancies in my credit report under 15 USC 16c-2. The hard inquiries listed were not approved by me. Please delete these unauthorized entries at once.

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