vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-04 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: MS

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-12-04 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: CA

Complaint narrative:
The presence of these unauthorized accounts and inquiries has caused considerable concern about my financial stability. It is crucial that my credit report accurately represents my financial history, as it plays a vital role in informing potential lenders about my financial management. Therefore, I am requesting an urgent investigation and swift correction of the following inaccuracies and unauthorized 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 explanation
Consumer complaint received 2024-12-04 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: PA

Complaint narrative:
SEE ATTACHED FOR INACCURATE, UNVERIFIABLE, INCOMPLETE ACCOUNT WITH 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 2024-12-04 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: PA

Complaint narrative:
SEE ATTACHED FOR INACCURATE, UNVERIFIABLE, INCOMPLETE ACCOUNT WITH XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: FL

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this 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 2024-12-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
On XX/XX/year>, I logged into XXXX and saw that I had a collections request from Waypoint Resource Group ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ). 

Waypoint Resource Group had issued a collections request for {$230.00}, and the original creditor was listed as " XXXX XXXX. '' I have never had a XXXX account. I have never had XXXX XXXX, XXXX XXXX, XXXX XXXX, etc., so I submitted a dispute to XXXX on XX/XX/year>. 

This dispute was closed on XX/XX/year>, and when I called XXXX, they said that the collector ( Waypoint Resource Group ) had confirmed they were trying to collect funds from me. 

In addition to me having NEVER had a XXXX account ( voice, internet, cable, etc. ), I have yet to receive a single notice about this supposed outstanding debt. I have not been called, texted, emailed, nor received any piece of mail about this supposed debt. 

On the collections request, XXXX had listed the collections request was originally created by Waypoint Resource Group on XX/XX/year>. I have gone through my emails, calls, and texts, and I do not see any way they would have contacted me. 

Again, I have never had a XXXX account. 

When I looked the address up on XXXX, I saw many reviews stating they were in the same situation as myself. This is XXXX of the reasons I created the complaint. I am concerned they are acting in a predatory manner. 

The reviews say that Waypoint Resource Group contacts them about a fictional XXXX bill, and even after the bill gets dismissed ( or the debtor pays to avoid the hassle of filing a complaint ), the company comes back with another collections request. 

I have never had a XXXX account of any type, and I have never been contacted about this.

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 2024-12-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: OH

Complaint narrative:
I previously made a separate complaint regarding several issues including a lack of billing history, duplicate payments being taken and not applied, and incorrectly capitalized interest. Mohela has resolved the duplicate payments and provided an audit of my account, however it's been two months since my original complaint and 30 days since my original complaint was closed and I have not heard anything from Mohela regarding the interest capitalization.

In addition, the billing statements I receive only show a portion of the total amount I owe, and this month one of my loans was just listed as not due for payment for seemingly no reason. My monthly payment is around {$450.00} according to the website, but the statements I receive show a XXXX XXXX monthly payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-12-04 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: FL

Complaint narrative:
I am distressed that this Bureau ( XXXX ) has included this information in my credit report profile and I have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish, just to favor the credit companies. In this sense, and 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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 an 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 ) ( a ) 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. I request delete the not authorized hard inquiries below : 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 XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: FL

Complaint narrative:
I am distressed that this Bureau ( EXPERIAN ) has included this information in my credit report profile and I have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish, just to favor the credit companies. In this sense, and 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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 an 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 ) ( a ) 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. I request delete the not authorized hard inquiries below : 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 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 2024-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-12-04 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: MI

Complaint narrative:
- Name : XXXX XXXX - Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, MI XXXX - Phone : ( XXXX ) XXXX - Email : XXXX XXXX XXXX : - Company Name : XXXX  - Address : XXXX XXXX XXXX, UT XXXX Complaint : I am submitting this complaint to request the deletion of the XXXX late payments reported on my credit report for the XXXX  account ( Account # : XXXX ). These late payments are inaccurate and are causing harm to my credit score.

I request that the CFPB take immediate action to mandate the deletion of these late payments and update my account status to current.

I invoke the following consumer laws to support my request : 1. _Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 et seq._ : This law requires that credit reporting agencies ( CRAs ) ensure the accuracy and completeness of the information reported.

2. _15 U.S.C . 1681b_ : This law requires that CRAs verify the accuracy of disputed information and delete or correct it if it is found to be inaccurate.

3. _15 U.S.C . 1692e_ : This law prohibits debt collectors from making false or misleading representations, including reporting false information to CRAs.

4. _Consumer Financial Protection Bureau ( CFPB ) Regulations, 12 CFR Part 1022_ : This regulation requires CRAs to establish and implement reasonable procedures to ensure the accuracy and completeness of the information reported.

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 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I am writing to file a formal complaint regarding the unauthorized access and handling of my credit information by the entities listed below. In accordance with the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681, consumers are entitled to privacy and confidentiality in the handling of their personal credit information. Consumer reports may only be accessed for permissible purposes, such as evaluating creditworthiness for a legitimate credit transaction initiated by the consumer.

As the lawful owner of my credit information, I assert that any entity seeking access must do so with explicit authorization and solely for permissible purposes. The following entities have violated my federally protected consumer rights by improperly accessing my credit reports : XXXX OF XXXX ; XXXX ; XXXX ; XXXX XXXX ; SYNCB/XXXX  ; XXXX XXXX Under 15 U.S.C. 1681b, no consumer reporting agency may furnish a consumer report without my explicit written consent. Furthermore, 15 U.S.C. 1681e mandates that consumer reporting agencies maintain reasonable procedures to ensure that credit reports are accessed only for legitimate and permissible purposes. The lack of compliance by these entities constitutes a breach of federal law. 

Additionally, any negative items reported on my credit file by these entities must be immediately deleted from XXXX. The handling of my personal information by these companies may also constitute a violation of the Privacy Act, which requires that personal data be accessed and used only for legitimate and authorized purposes. 

The resulting inquiries and unauthorized access have caused significant harm to my family and me, including emotional distress and damage to my financial reputation. I respectfully request that this matter be investigated promptly and that all unauthorized inquiries and associated negative items be removed from my credit reports. 

Thank you for your attention to this matter. I appreciate your efforts in ensuring that my rights under federal law are upheld. Please feel free to contact me

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 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Cascade CISS Holdings, LLC
State: MA

Complaint narrative:
I am writing to file a formal complaint regarding the unauthorized access and handling of my credit information by the entities listed below. In accordance with the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681, consumers are entitled to privacy and confidentiality in the handling of their personal credit information. Consumer reports may only be accessed for permissible purposes, such as evaluating creditworthiness for a legitimate credit transaction initiated by the consumer.

As the lawful owner of my credit information, I assert that any entity seeking access must do so with explicit authorization and solely for permissible purposes. The following entities have violated my federally protected consumer rights by improperly accessing my credit reports : XXXX XXXX  XXXX ; XXXX ; XXXX ; XXXX XXXX ; SYNCB/XXXX  ; XXXX XXXX Under 15 U.S.C. 1681b, no consumer reporting agency may furnish a consumer report without my explicit written consent. Furthermore, 15 U.S.C. 1681e mandates that consumer reporting agencies maintain reasonable procedures to ensure that credit reports are accessed only for legitimate and permissible purposes. The lack of compliance by these entities constitutes a breach of federal law.

Additionally, any negative items reported on my credit file by these entities must be immediately deleted from XXXX. The handling of my personal information by these companies may also constitute a violation of the Privacy Act, which requires that personal data be accessed and used only for legitimate and authorized purposes. 

The resulting inquiries and unauthorized access have caused significant harm to my family and me, including emotional distress and damage to my financial reputation. I respectfully request that this matter be investigated promptly and that all unauthorized inquiries and associated negative items be removed from my credit reports. 

Thank you for your attention to this matter. I appreciate your efforts in ensuring that my rights under federal law are upheld. Please feel free to contact me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: IL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am submitting the necessary documentation and a letter from an advocacy group assisting me due to XXXX XXXX-related debt bondage, which qualifies as trafficking under the XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX  XXXX  and debt bondage, and I request that all listed accounts be blocked and deleted. Please delete the following accounts from TransUnion : XXXX  XXXX XXXX - Balance : {$1400.00} - Account # : XXXX XXXX XXXX XXXX - Balance : {$12000.00} - Account # : XXXX XXXX XXXX XXXX - XXXX : {$9200.00} - Account # : XXXX XXXX NEW MEXICO - XXXX : {$19000.00} - Account # : XXXX XXXX XXXX XXXX - Balance : {$490.00} - 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 2024-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Credit Control, LLC
State: TN

Complaint narrative:
Texting me about a Debt. 
dont know what they wont. 
i dont owe these folks nothing at all

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 2024-12-04 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: SC

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 U.S. C 1681 section 602 A. States 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 written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 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: SC

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 U.S. C 1681 section 602 A. States 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 written instructions

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 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Harris & Harris, Ltd.
State: LA

Complaint narrative:
I want proof that the account and amount owed is my account and the amount is accurate/correct. I also want an original copy of the agreement that was initially signed and agreed upon when the account was opened. If they are unable to provide the information, Im requesting that they remove the derogatory account/accounts from my credit report. Im also asking that if they have charged off, paid off, sold to a 2nd or 3rd party agency, etc. that they provide me with a 10-99. Im entitled to a 10-99 to repot this as income to the IRS. If they fail to do so, I will report the agency for fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation