vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC
State: NE

Complaint narrative:
I was unexpectedly placed under collections with XXXX separate charges from the same debt collection company, XXXX XXXX XXXX. Both collections list XXXX as the original creditor. The XXXX  collection was opened on XX/XX/XXXX, for {$740.00} under account number XXXX, and the XXXX  collection was opened on XX/XX/XXXX, for {$590.00} under account number XXXX. 

I have a XXXX credit card through XXXX XXXX  with a total limit of {$750.00}, but I have made little to no purchases on that card, with no purchases in the past XXXX  months. My last purchase from XXXX was over a year ago for {$110.00} for a XXXX XXXX XXXX XXXX XXXX. I have not made any other purchases from XXXX since then, and I have no unpaid debt with XXXX or XXXX Bank. 

Despite this, I was sent to collections for XXXX high balances that I do not recognize. I never received any debt collection letters regarding these charges. Upon discovering the collections on my credit report, I immediately took action by sending an overnight letter on XX/XX/XXXX, to Cedars Business Services, requesting detailed information on this debt. This letter was delivered and signed for on XX/XX/XXXX, by XXXX ( XXXX XXXX number XXXX ). Despite my providing all necessary contact information, I have received no response, phone call, or status update regarding these collections. 

This has severely impacted my credit score, causing financial hardship at a crucial time, as my fianc and I were funding our wedding. The collections have limited my ability to secure necessary financing, impacting my financial standing and opportunities. I am alarmed by the lack of communication and transparency from XXXX XXXX XXXX and feel my consumer rights have been disregarded.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: FL

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach, and as a result, the following fraudulent account has appeared on my credit report without my authorization. 
Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following record be blocked and deleted immediately : Fraudulent Record XXXX  XXXX Bankruptcy o Case Number : XXXX XXXX Date Filed : XX/XX/year> o Balance : {$0.00}

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 2024-11-14 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: NC

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$660.00} XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX - {$38000.00} XXXX  - XXXX - XX/XX/XXXX - {$160.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$1800.00} INQUIRIES : XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 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: CA

Complaint narrative:
XXXX  XXXX XXXX XX/XX/year> hard inquiry is on my report which is false

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 2024-11-14 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
i WOULD LIKE TO DELETE THE FOLLOWING ACCOUNTS AS SOON AS POSSIBLE BECAUSE THEY DO NOT BELONG TO Me XXXX  XXXX XXXX ( XXXX ) OPENED XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) OPENED XX/XX/XXXXXXXX XXXX XXXX XXXX ( XXXX ) OPENED XX/XX/XXXX XXXX XXXX XXXXXXXX ( XXXX ) OPENED XXXX/XXXX/XXXX XXXX  XXXX ( XXXX ) OPENED XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 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: IL

Complaint narrative:
I called experian and requested that hard inquiries are removed off my report because I had no idea nor did I authorize anyone to access my report. I also emailed and filed multiple disputes stating that things on my report which is in collections is not right nor true but yet they still havent responded or took the initiative to resolve it

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 2024-11-14 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year>

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 2024-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Subject : Unauthorized Access and Changes to Credit Report on Closed Collection Account I am writing to formally dispute a serious discrepancy on my credit report involving a closed collection account that was unauthorizedly reopened. This account, previously deemed closed and not subject to removal until XXXX, was accessed without my knowledge or consent, resulting in an unapproved update on my credit report. The unauthorized reopening of this account has led to a XXXX decrease in my credit score, further impacting my credit status unjustly through Equifax. 

Per the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), consumer rights protect against unauthorized access to personal credit information. By law, no entity should have accessed or altered this account status without my explicit authorization. This breach of my rights under the FCRA and the Gramm-Leach-Bliley Act ( GLBA ) ( 15 U.S.C. XXXX  ) also emphasizes the unauthorized use of my information without valid cause or disclosure. Additionally, the continued collection activities and repeated phone calls I am receiving could be in violation of the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 ), which prohibits harassment or abusive practices in debt collection. 

Due to these violations, I request that the unauthorized changes made to my credit report be reversed immediately and that an investigation be conducted to ensure my rights are protected. I also request the cessation of any further collection-related communication until this matter is resolved. 

Thank you for your prompt attention to this issue. I look forward to a swift and just resolution and a formal confirmation of corrective action from your team. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer SSN : XXXX, Consumer XXXX : XX/XX/XXXX, Contents of Complaint : This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The XXXX Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Information consists of : A Inquirer : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, NJ XXXX | Phone Number : XXXX Inquiry Date : XX/XX/XXXX : A XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX | Phone Number : XXXX | Inquiry Date : XX/XX/XXXX : A XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, CA XXXX | Inquiry Date : XX/XX/XXXX.. These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer XXXX Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries in question as a well as a copy of My Consumer Credit Report. I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud. I request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The XXXX Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving said complaint. I request that all written confirmation ( s ) regarding this CFPB Complaint be sent via email to the email address : XXXX -Attached below are supporting documents -Copy of US Passport XXXX Proof of Identity ) -Copies of a Bank Statement & Utility Bill ( Proof of Address ) -FTC ( Federal Trade Commission ) Identity Theft Report -A Letter formally detailing the information 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
Consumer complaint received 2024-11-14 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: AL

Complaint narrative:
I recently looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that the credit bureaus will investigate this account for me to ensure complete accuracy. Here is the account I am asking you to verify. XXXX XXXX. Account # 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 2024-11-14 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: FL

Complaint narrative:
Per the Fair Credit Reporting Act 15 U.S. Code 1692 - Congressional findings and declaration of purpose including ( a ) Abusive practices- There is abundant evidence of many debt collectors using abusive, deceptive, and unfair debt collection practices. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and invasions of individual privacy. 

After reviewing my credit reports I noticed that You, TRANSUNION, are alleging that the following account IS negative and claim to be the ORIGINAL CREDITOR without furnishing any proof of verification of this debt, violating 15 U.S. Code 1692g or that you followed all laws and regulations to report therefore you must remove ALL adverse remarks for the following account : Account Name : XXXX XXXX XXXX Open Date : XX/XX/2021 BAL : {$3700.00} As you know, it is against the law to report inaccurate information. This is a deprivation of my rights and a violation of my privacy. The credit reporting agency knowingly contributed to wrongful activity by acting on 15 U.S. Code 1692f - engaging in unfair practices. I demand that you provide concrete evidence of my obligation to said accounts. This is a violation of 15 U.S. Code 1692g, and 15 U.S. Code 1692f to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for $ 1k per violation, for unauthorized and/or fraudulent credit reporting listed without my expressed written consent.

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 2024-11-14 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Im not aware of such inquiries, therefore this one appears to be illegal and a fraud. As soon as possible, please fix this problem. 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 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Self Financial Inc.
State: IN

Complaint narrative:
Under this law According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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:
I am writing to formally notify you that I am a victim of a data breach, which has resulted in unauthorized accounts appearing on my credit report. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following accounts be blocked and deleted from my credit file immediately : Unauthorized Accounts 1. Creditor : XXXX  XXXX  Account Number : XXXX XXXX  Date Opened : XX/XX/year> XXXX  Balance : {$2800.00} 2. Creditor : XXXX  XXXX  Account Number : XXXX XXXX  Balance : {$30000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: MID FLORIDA FINANCING LLC
State: FL

Complaint narrative:
I am required to update my contact information with every interaction with a representative of the company no matter how many times I am transferred in a single call or how many calls I have during a day. Each representative I speak to requires me to update my Employer, Address, Phone Number, and Email. I can receive up to 5 calls in a day and am usually transferred at least once sometimes up to 4 times in a single call and am required to update my information with each representative. Its very excessive and stressful to be required to constantly update my information often daily.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: GA

Complaint narrative:
I reviewed my credit report and noticed some accounts, names, addresses that I didn't recognize. Ive reached out to settle this with XXXX, Equifax, and XXXX. Ive been met with push back saying that these accounts are verified and accurate when indeed I know they're not. I have filed an FTC report that will be attach and im requesting that all fraudulent accounts be blocked and removed and information associated with my credit file as a result of identity theft. I am a victim of the recent Equifax data breach and XXXX data breach as well and believe my personal information has been compromised and used without my consent. I have attached FTC REPORT, ID, BILL, AND SS along with the letter listing the accounts that are a result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 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: AL

Complaint narrative:
I recently looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that the credit bureas will investigate this account for me to ensure its complete accuracy. Here is the account I am asking you to investigate. XXXX XXXX XXXX Account # 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 2024-11-14 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: DE

Complaint narrative:
My Credit Profile is inaccurate which is not fair to me. Please Investigate this and fix it. I'm really sick and tire of these XXXX. Should there should be any updates on my inquiries. I'm gon na go to the court.

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 2024-11-14 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
My Credit Profile is inaccurate which is not fair to me. Please Investigate this and fix it. I'm really sick and tire of these XXXX. Should there should be any updates on my inquiries. I'm gon na go to the court.

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 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: FL

Complaint narrative:
I have no idea what TrueAccord is. This appears that this account was originally with lendly? I have no clue or recognition of this account. It appears that Lendly sold this account to a third party originally, XXXX XXXX Now it appears XXXX XXXX has sold it to TrueAccord. The above are clear FTC violation of code 15 USC CODE 1681S-2.

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 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC
State: IL

Complaint narrative:
Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL XXXX Complaint : I am writing to formally dispute inaccurate information that has been reported by both XXXX XXXX and CoreLogic on my consumer report. Under the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681, I have the right to dispute and demand the correction or deletion of any inaccurate or incomplete information on my consumer report.

Per FCRA 15 U.S.C. 1681i ( a ), upon receiving notice of a dispute from a consumer, consumer reporting agencies are required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Additionally, under FCRA 15 U.S.C. 1681e ( b ), consumer reporting agencies must ensure maximum possible accuracy of the information they report.

The information being reported on my file is incorrect and does not reflect my current or accurate status. I request an immediate investigation and correction of these inaccuracies. If you are unable to verify the disputed information as accurate, I demand that it be deleted from my record, as required by law.

Please provide written confirmation of your receipt of this dispute within 5 business days and inform me of the results of your investigation within 30 days, as mandated by the FCRA.

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