vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-20 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: PA

Complaint narrative:
Recently, i did an investigation on my credit report and found severel items that are unauthorized and there are to be inaccurate information. Under 15 U.S. Code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report. it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, Immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 , This inquiry are not authorized, Please Remove all from my credit 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 2024-10-20 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Recently, i did an investigation on my credit report and found severel items that are unauthorized and there are to be inaccurate information. Under 15 U.S. Code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report. it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, Immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  , This inquiry are not authorized, Please Remove all from my credit report Immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
I took out a XXXXXXXX XXXX loan to pay down all my credit cards. Somehow someone used my information, my phone to get some sort of game coins online. I have no idea how this happened but i do know that i told them that all of them were wrong. They said twice the charges were unrefundable however i am not paying this card anymore. I will not be held responsible for charges that i do not make.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Formal Dispute Request for Removal of Incorrect Addresses, Names, and Employers I am writing to formally dispute incorrect information on my credit report related to my addresses, names, and employers. I have previously submitted disputes to correct this information, but my requests were ignored, and no action has been taken. As a result of your inaction, I am also filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) to address your failure to comply with the Fair Credit Reporting Act ( FCRA ).

Under the FCRA, you are required to ensure the accuracy of the information you report. The following inaccuracies must be corrected immediately : Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Incorrect Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Incorrect Employers : XXXX XXXX FCRA Violations and My Rights According to Section 611 of the FCRA, you are required to investigate and resolve disputes within 30 days of receiving notice. If the information can not be verified, it must be corrected or deleted from my report promptly. Your failure to act on my previous disputes is a violation of this federal requirement.

Additionally, Section 607 ( b ) of the FCRA mandates that you maintain reasonable procedures to ensure maximum possible accuracy. The presence of inaccurate addresses, names, and employers reflects a breach of this duty.

Demand for Immediate Action and Penalties I demand that you : Immediately remove all incorrect addresses, names, and employers from my credit report.

Provide written confirmation of these corrections.

Ensure future inaccuracies are promptly addressed and corrected.

Apply all applicable penalties under the FCRA for failing to address these disputes properly and in a timely manner.

If the requested changes are not made within 14 days, I will pursue legal action for non-compliance and further escalate my complaint with the CFPB.

Thank you for your attention to this urgent matter. I expect written confirmation of the corrections within the specified timeframe.

I only have one Correct Address : XXXX XXXX XXXX XXXX XXXX, ohio, XXXX I only have one Correct Spelling of my name when applying for Credit i dont use my middle name : XXXX XXXX I Only have one correct employer : XXXX XXXX XXXX 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 2024-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Please see attached form sentry has mailed to me. XXXX has been calling me non stop from morning hours till XXXX XXXX at night consistently every 3 minutes. They call while I am at work. A woman had threatened to call my work and tell them about my debt. They are harrassing me and have been from an unknown number. I am homeless and have been the last 3 years and live in my car. There are certain bills I can not pay because the amount is too high. I am willing to work with the creditor but not if they are harrassing me and the amount they want is way too high. I make minimum wage and am again homeless and live in my car. I go without eating most days because bills have piled up and I am trying to do the right thing by trying to make payments when I can.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-20 00:00:00
Product: Prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: WV

Complaint narrative:
There was an unauthorized charge on my vanilla gift card. 

purchase date : XX/XX/year> Amount : {$350.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 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 am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX Date of Inquiry XX/XX/2024, XXXX XXXX Date of Inquiry XX/XX/2024, XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/2024, XXXX XXXX Date of Inquiry XX/XX/2024, XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/2024, XXXX XXXX Date of Inquiry XX/XX/2024 XXXX XXXXXXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/2024, XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XX/XX/2024, XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/2024, XXXX XXXX XXXX Date of Inquiry XX/XX/2024, XXXX XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/2024 XXXX XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/2024 XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/2024 XXXX XXXX XXXX Date of Inquiry XX/XX/2024, XXXX XXXX XXXX Date of Inquiry XX/XX/2024, XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/2024, XXXX XXXX Date of Inquiry XX/XX/2024, XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX XXXX  Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/2024, XXXX XXXX Date of Inquiry XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/2024

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 2024-10-20 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
Ive been trying to pay my student loans. I know someone was forgiven. I really need the help at the moment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
As of now, Credit Collection Services presented a fraudulent account for collection in my name. I never had such account. I am prepared to take such account through litigation. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-20 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: TN

Complaint narrative:
The amount on the account is incorrect {$4400.00}. My Equifax credit report was impacted by the data breach that Equifax had.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-20 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TN

Complaint narrative:
I never received a call or letter, validation an opportunity to verify this debt, before it was placed into collections and placed on my credit report, I requested a debt validation letter over the phone, never received it, This debt is listed by XXXX different collection agencies. On my XXXX report it is reported by Columbia Debt recovery, They never validated or tried to resolve this with me before placing this in collections on my credit report. On my XXXX report the collection agency is Genesis Credit Management, Which there has never been a debt validation letter sent as I requested and no one ever reached out to me to resolve or validate this debt before it was placed in collections and placed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
I was in a coma from XX/XX/XXXX until XX/XX/XXXX. My husband has no idea how to even pay the house payment. AS SOON as I got out of the hospital, I started going through mail. I immediately paid {$100.00} on my XXXX XXXX XXXX. There was a huge late charge. They then turned around and turned the {$40.00} bill from XXXX in as delinquent to my credit report. I talked to XXXX at their customer service when I realized what they had done. He promised that he personally would take that whole {$40.00} off my credit report by XX/XX/XXXX and would send me a bunch of coupons. The only thing he did was report it up to date but the delinquency is still there. How do I get it off?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-20 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: Absolute Resolutions Corp.
State: FL

Complaint narrative:
The collection co. Absolute XXXX XXXX. Has reporting multiple variations of my account. For the amount of XXXX. This collection has been closed multiple times. The enclosed copy shows it open on my XXXX  and XXXX. As of today. Its reporting after the 7 year reporting period, and shows that I made a XXXX payment to start the reporting period over. I never made a payment in 7 years and the original owner shows on my report as XXXX. The original is XXXX not XXXX inaccurate. My credit report is showing open for this collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: W&A Intermediate Co., LLC
State: IL

Complaint narrative:
During the XXXX pandemic, I was involved in a car accident that resulted in both the loss of my job and significant medical bills. The other driver had stolen the vehicle and, as a wanted criminal in three states, I was unable to receive compensation for the damages. Despite my efforts, including multiple attempts to resolve the matter, I encountered significant difficulties with the collection agency handling the medical bills related to my transportation to the hospital.

I contacted the collector several times, informing them that they needed to coordinate with my insurance provider, BCBS, to arrange payment. XXXX confirmed over the phone that they required the collector to communicate directly with them to process the payment. However, when I requested to speak with a supervisor at the collection agency, they refused to contact XXXX or participate in a XXXX call, which would have resolved the issue. The collector, Wakefield Associates, refused to authorize the connection and insisted that I was responsible for the payment.

Despite my repeated attempts to work toward a solution, they continued to demand payment and reported me as delinquent, severely impacting my credit. The delays caused by the collection agencys unwillingness to cooperate have now left me unable to secure coverage from XXXX, as the debt has become too old to be processed. I have exhausted every avenue to resolve this matter, yet the company refuses to comply with my requests. This situation has had a lasting negative effect on both my financial situation and credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
Rent Recovery Solutions has unlawfully reported an alleged debt of {$1400.00} to my XXXX credit report without contacting me. 

I don't recall having a contractual relationship with this collection company, RENT RECOVERY SOLUTIONS, nor have I received any correspondence from them. Please consider this letter as my formal dispute of the alleged debt and a request for verification of its validity. Please provide proof that this alleged account belongs on my credit report and that my rights have not been infringed upon ; otherwise, please terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection. 


Furthermore, I kindly request that you provide me with proper documentation proving your legal authority to collect any alleged debt. I also request that you provide me with a written response within 30 days of receiving this letter, confirming the actions you have taken to resolve this matter. Failure to respond within the given timeframe will be interpreted as an acknowledgment of the debt 's invalidity and will result in further actions to protect my rights as per the Fair Debt Collection Practices Act ( FDCPA and all other applicable laws and regulations governing debt collection ). I appreciate your prompt attention to this matter and look forward to a swift resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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:
Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the accounts, or inaccurate information, from my file immediately 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 2024-10-20 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: IN

Complaint narrative:
I recently checked my credit report report and noticed numerous fraudulent accounts on my report that I did not authorize on there. An account with XXXX XXXX XXXX XXXX XXXX {$36000.00} opened XXXX ; XXXX XXXX XXXX XXXX {$15000.00} opened XXXX ; XXXX XXXX {$13000.00} opened XXXX ; XXXX XXXXXXXX XXXX  XXXX {$4400.00} opened XXXX ; XXXX XXXX {$4100.00} opened XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3900.00} opened XXXX ; XXXX XXXX XXXX XXXX {$2600.00} opened XXXX ; XXXX XXXX {$880.00} opened XXXX ; XXXX XXXX Bank XXXX {$860.00} opened XXXX ; XXXX XXXXXXXX XXXX {$660.00} opened XXXX ; XXXX XXXX XXXXXXXX XXXX {$500.00} opened XXXX ; XXXX XXXX XXXX  XXXX {$440.00} opened XXXX ; XXXX XXXX XXXX XXXX. XXXX {$81.00} opened 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 2024-10-20 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: IN

Complaint narrative:
I recently checked my credit report report and noticed numerous fraudulent accounts on my report that I did not authorize on there. An account with XXXX XXXX XXXX XXXX XXXX {$36000.00} opened XXXX ; XXXX XXXX XXXX XXXX {$15000.00} opened XXXX ; XXXX XXXX {$13000.00} opened XXXX ; XXXX XXXX XXXX XXXXXXXX {$4400.00} opened XXXX ; XXXX XXXX {$4100.00} opened XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$3900.00} opened XXXX ; XXXX XXXX XXXX XXXX {$2600.00} opened XXXX ; XXXX  XXXX {$880.00} opened XXXX ; XXXX XXXX XXXX  XXXX {$860.00} opened XXXX ; XXXX XXXXXXXX XXXX {$660.00} opened XXXX ; XXXX XXXX  XXXX XXXX {$500.00} opened XXXX ; XXXX XXXX XXXX XXXXXXXX {$440.00} opened XXXX ; XXXX XXXX XXXX XXXX. XXXX {$81.00} opened XXXX

Company response to consumer: Closed with non-monetary relief