vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-09 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: NY

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
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

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 2024-04-09 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: NY

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 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: NY

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.

and list of Inquiries.

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 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX. I received a letter from Transunion in response to a Previous dispute that I have filed disputing unverifiable and inaccurate accounts on my credit report. 
The account disputing our as follows : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # : XXXX I

n my original letter sent via certified mail to Transunion I asked that they remove these two accounts because they were unverifiable and in accurate. I received a piece of mail today saying that they verified the accounts. Therefore, I would like documentation explaining that verification process. If this documentation can not be provided, I would like these two move from my report 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 2024-04-09 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: IL

Complaint narrative:
XXXX XXXX XXXXXXXX has fail to provide a legal contract of purchase an proof dates an type of viecle they acuse me of purchase. 
I have never owned a XXXX nor have I sind a legal contract. I am not marry an XXXX  XXXX XXXX told me, they spoke to my wife an at later time spoke to me .. it's false. 
I found out of this fraud when I tryed to purchase a semi truck. 
After my attempt to purchase the semi I called XXXX  XXXX XXXX an found out the fraud. They record every call. I made a claim to the fraud department an XXXX  XXXX XXXX has refuse to remove this from my credit report. I need freedom from this injustice not to mention the handling unprofessional service matter. I'm asking for proof/ an removeble of charge off out of my credit report. I will also follow with a complaint to the statw attorney.

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 2024-04-09 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:
XXXX XXXX XXXXXXXX has fail to provide a legal contract of purchase an proof dates an type of viecle they acuse me of purchase. 
I have never owned a XXXX nor have I sind a legal contract. I am not marry an XXXX  XXXX XXXX told me, they spoke to my wife an at later time spoke to me .. it's false. 
I found out of this fraud when I tryed to purchase a semi truck. 
After my attempt to purchase the semi I called XXXX  XXXX XXXX an found out the fraud. They record every call. I made a claim to the fraud department an XXXX  XXXX XXXX has refuse to remove this from my credit report. I need freedom from this injustice not to mention the handling unprofessional service matter. I'm asking for proof/ an removeble of charge off out of my credit report. I will also follow with a complaint to the statw attorney.

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 2024-04-09 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: UT

Complaint narrative:
I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized 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 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 non-monetary relief
Consumer complaint received 2024-04-09 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:
I did not contact these creditors for credit and these inquiries have been made without my knowledge and permission. please delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 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:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: PA

Complaint narrative:
Mohela has not recalculated my XXXX XXXX XXXX in a timely manner per my request. They also have not added a loan, # XXXX, to my XXXXXXXX XXXX XXXX, instead opting to have it in a standard repayment plan, causing the balance to be overdue. Loan # XXXX should also have accrued interest removed because I rejected in in-school status ( opting to immediately enter repayment, XXXX ), though Mohela didn't process the request until around a month later, causing excess interest to accrue in error. I've made many attempts to rectify all of these attempts with Mohela.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or 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 2024-04-09 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Abrahamsen Gindin LLC
State: NY

Complaint narrative:
I have received a letter from Forster & Garbus LLP, a debt collector stating that I have to pay judgement due amount of {$42.00}, XXXX plus interest. They also sent a notice of garnishment from Marshal for total amount of {$63000.00}. They have been contacting my employer also. I do not know how they got judgment against me. I have not got any summon to appear in court. I took a student loan between the year XXXX from a private company to XXXX  XXXX  in XXXX XXXX. The company stopped paying the loan after one year and I could not pursue my study further. Probably, the loan company was closed or bankrupt. Because of incomplete study, I remained unemployed for many years. I do not remember the amount of loan, but it is far less than the debt collector asking for. In past, I received several letters from different debt collectors for asking different amount. I sent letters to few of them asking verification and copy of written agreement. I have not received any reply from them. I suspected inaccuracy and stopped responding the other debt collector afterward. I was afraid of scam. 
I would like the following information : 1. The name, address, amount, and account number used by the original creditor. The creditor contact address and phone number.

2. Provide verification and documentation. Provide copy of written agreement created my original requirement to pay. Provide promissory note with my signature.

3. State when the creditor claims this debt became due and when it became delinquent.

4. Have you made a determination that debt is within the statue of limitations and applicable to it? When the statute of limitations expires for this debt, and how you determined that?

5. Send me proof of summon with signature of the receiver. Proof of registered post by court.

6. A copy of the last billing statement sent to me by the original creditor.

The court judgement in favor of creditor is biased or based on misleading information supplied to court. The judgement is one sided favoring the creditor. You have all legal tools and access ; it does not mean that you suppress the weak and take advantage.

After receiving the above-mentioned information, I would like to make an informed decision about your claim. I would like involve regulatory authority and appeal in the court in this matter.

I shall be grateful for your favorable and helpful response.

Thank you. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Hard random inquiry on XX/XX/2024, and today on the XXXX of XX/XX/2024 was contacted and asked if i was on the phone with the credit card company which i was NOT. I had XXXX notifications and responded with no i was not me contacting the cred card company Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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:
This account has been reported to all three credit reporting agencys wrong. It is required that they are reported accurate across each one it shows a line of credit and some say credit card. The dates that it claims that its open is different from each credit reporting agency. it is required that they maintain 100 % accuracy when reporting. I have attempted to bring this to the creditor and credit reporting agency and they have continued reporting my information in correctly.

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 2024-04-09 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:
This account has been reported to all three credit reporting agencys wrong. It is required that they are reported accurate across each one it shows a line of credit and some say credit card. The dates that it claims that its open is different from each credit reporting agency. it is required that they maintain 100 % accuracy when reporting. I have attempted to bring this to the creditor and credit reporting agency and they have continued reporting my information in correctly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 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:
This account has been reported to all three credit reporting agencys wrong. It is required that they are reported accurate across each one it shows a line of credit and some say credit card. The dates that it claims that its open is different from each credit reporting agency. it is required that they maintain 100 % accuracy when reporting. I have attempted to bring this to the creditor and credit reporting agency and they have continued reporting my information in correctly.

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 2024-04-09 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: NY

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.

and list of Inquiries.

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 2024-04-09 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:
Consumer Financial Protection Bureau COMPLAINT : FCRA VIOLATIONS I have recently pulled a copy of my consumer credit report. I have disputed this account/creditor XXXX XXXX with XXXX, XXXX and Equifax for several years and they failed/refused to remove this account from my consumer credit report. XXXX, XXXX and Equifax consistent delinquency reporting of this unverifiable fraudulent/inaccurate account has/is causing loan denials ( personal and business ), car loan denial, credit card denials, credit increase denials, high interest rates, application denials that has wreaked havoc in my life. Under the FCRA credit bureaus are prohibited from reporting fraudulent or inaccurate information on consumer credit reports. Consumers have the right to dispute any inaccurate information on their credit reports, and CRAs are required to investigate these disputes within a reasonable period. If the information is found to be inaccurate, the CRA must correct or delete it. Credit bureaus that violate the FCRA by reporting fraudulent or incorrect information, consumers have the right to take legal action against them. I have attached documentation IN THE STATE COURT OF XXXX XXXX GA, Civil Action NO XXXX. 

Also, I have filed a previous complaint with the CFPB concerning incorrect addresses that should NOT be on or attached to my consumer credit report and again they refuse to correct and update. XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX is the ONLY address that should be listed on my consumer report. Your assistance in this matter is appreciated.

Company response to consumer: Closed with non-monetary relief