vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-09 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I am writing to formally dispute several unauthorized hard inquiries that have been made on my credit report. These inquiries were not authorized by me and have negatively impacted my credit score. Below are the details of the inquiries in question : XXXX Report : XXXX XXXX XXXX Inquiry Date : XXXX Type : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry Date : XXXX Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Multiple Entries ) Inquiry Dates : XXXX, XXXX, XXXX, XXXX Type : XXXX XXXX XXXX XXXX XXXX Equifax Report XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Entries ) Inquiry Dates : XXXX, XXXX, XXXX Type : XXXX XXXX XXXX  XXXX Dates : XXXX, XXXX Type : XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX Inquiry Date : XXXX Type : XXXXXXXX XXXX XXXXXXXX According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute any information on their credit reports that they believe to be inaccurate or incomplete. Section 604 of the FCRA specifically states that a consumer report may only be accessed for certain permissible purposes, and I did not authorize these hard inquiries, which means they should not have been included in my credit report.

Due to the unauthorized nature of these inquiries, I request that they be removed from my credit report immediately. These inquiries are damaging my credit score and affecting my financial health unjustly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: AZ

Complaint narrative:
I have a service through work that monitors my credit. They informed me that Sunrise Credit Service had hurt my credit. I called Sunrise and through conversation, learned that someone used some of my information to open an account with XXXX XXXX XXXX in Indiana. I have never used XXXX XXXX XXXX  and I have never lived in Indiana. They told me that I had to fill out documents and they would send them to XXXX XXXX XXXX and I would have to deal with XXXX XXXX XXXX XXXX XXXX team. It has been XXXX weeks and never received the documents. They told me that it takes over 30 days to get the documents. I requested a goodwill deletion and was told they don't do that. I tried to call XXXX XXXX XXXX and they have no ability to talk to a person. I tried to fill out the documents online and the online service won't accept it. I am trying to buy a truck and my credit score went from the XXXX 's to the low XXXX 's and the payment will now be higher. They did not do their due diligence in determining who the person who opened the account really is. They just chose to pick me and mess up my credit. It is sick that these companies can ruin a person 's life and the person has no recourse.

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 2024-07-09 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: MD

Complaint narrative:
I am not liable for this debt with XXXX, I do not have a contract with XXXX, they did not provide me with the original contract as i requested. I request a copy of the contract with my signature. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. In requesting documentation none was provided. Due to identity theft this should be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Mercury Financial Intermediate LLC
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX To Whom This May ConcernXXXX XXXX XXXX XXXXMERCURY I am unaware of this debt. I did not have the opportunity to dispute this debt. I did not recieve proper notification. If in fact you believe that I received proper notification, please provide the certified mail with a receipt with my signature on it stating that I received it. 

You have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) The collection agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on my consumer report.

Collection agency has no authority to furnish any account to a consumer agency without providing any and all disclosures required by law, and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) The collection agency is violating my consumer rights by using false misleading, misrepresentaion and deceptive means. 

I am disputing owing any and all depts. I am also revoking all rights of them ( XXXX XXXX XXXX/MERCURY ) communicating with me through email/text/calls. I would also like to request the purchase agreement between XXXX XXXX XXXXMERCURY and the original creditor. Along with furnishing proof of license and bonded.

Also 15 USC 1692 ( c ) states that without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may NOT communicate with a consumer in connection with the collection of any debt. 



Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2024 I wired {$50000.00} to XXXX. an associated company or partner with XXXX XXXX XXXX who appears to be a XXXX investment scam promising a rate of return from 2 % to 5 % PER DAY for invested sums. I wired XXXX to XXXX. as directed by the " company service '' of XXXX who was to give the XXXX to XXXX to begin earning interest. the XXXX acknowledged receipt of the XXXX after about 8 days and put it into the " mining pool '' where is began earning interest. A few days later, the " customer service '' demanded I put in ANOTHER XXXX or I would be taken off the mining pool. They then said I should request my XXXX back from XXXX, Inc.and that XXXX, XXXX would " cooperate '' and refund my money. 
I contacted the Bank of America 's manager. XXXX XXXX XXXX of XXXX Ca, branch on XXXX XXXX and he made a request for wire return. I followed up with another visit and was told the BofA ; s " wire department '' is handling the matter. It has been a month now and still no answer. The account I wired the money to, XXXX XXXX XXXX is also a BofA account. 


I have asked the Bank of America to request a refund of my {$50000.00} but the wire Department states their department is getting no response from XXXX XXXX, the recipient partner of the mining pool scam.

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 2024-07-09 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: Credit Corp Solutions Inc.
State: TN

Complaint narrative:
This company is stating that I own them a debt and I have never done business with them, I don't even know who they are. A debt validation letter per the FDCPA was sent out with no response and now they are threatening to damage my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-07-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
recently, I had reviewed my credit report and noticed fraudulent accounts as well as inquiries, which I have no knowledge of please Can you remove this fraudulent accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
I noticed multiple " late payments '' were reported to XXXX by University Accounting Service ( UAS ). The account history showed 30 days late in XX/XX/XXXX then 60 days late in XX/XX/XXXX. It was marked as paid in full XX/XX/XXXX. So they are essentially claiming I missed the final payment. My federal loans were paid off in XXXX as shown by my other installment accounts within my credit history. 

Upon attempting to contact the company for information they were unable to pull up any account under my name, SSN, nor phone number. At this point I contacted XXXX to dispute the claim. The dispute led to " updated '' account details that now showed late payments in XXXX and XXXX of XXXX. Paid off in XX/XX/XXXX. 

None of this makes sense as I've never dealt with this company and it appears they are targeting me without reason nor information. I contacted them again to hear they still could not lookup my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, Delaware, XXXX [ Bank Address ] [ Bank City ], [ Bank State ], [ Bank Zipcode ] In accordance with the above federal regulations and the Fair Credit Reporting Act, I kindly request the deletion of the above late payment. If your office fails to respond to this deletion request within 30 calendar days from the date of your receipt, all references to this late payment must be deleted, and a copy of such deletion request shall be sent to me immediately.Sincerely, Your NameAttach a copy of your ID and a utility bill to serve as address verification.

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 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My account with ( XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Company : Equifax I submitted documentation to freeze both of my XXXX  children 's credit. After carefully reviewing the information on Equifax 's website, I gathered identical information for each child and sent XXXX packets of information ( one for each child ) in the same envelope via certified mail. I made sure to include a note that there were requests for XXXX children within the envelope and each child had their own packet. 
About 10 days later, I received confirmation that credit was frozen for XXXX of my children but a ) mind and their last name was spelled incorrectly on the confirmation letter and b ) I did not receive confirmation for my second XXXX  child. 

I called Equifax to find out what the status is of the second XXXX  child 's credit freeze and to confirm the name for the child with the successful credit freeze. 

The first customer service agent I spoke to informed me that I would have to resend the second child 's information because it " probably didn't have the right documentation ''. After I pushed back repeatedly and said that each child had the same documentation, I asked to be transferred to a supervisor. The supervisor continued to tell me repeatedly that I needed to send in new information and that they could not check on the name dispute. There was no effort to help my situation and the supervisor refused to transfer me to someone who could help. It was obvious I was dealing with a call center who had no insight into my situation or power to help me. It appears that I wasted a bunch of time carefully preparing these documents and I have no way to confirm if my child 's credit is frozen. 

I consider XXXX  credit freeze to be a scam for Equifax and am extremely disappointed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 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: NJ

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 response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
I have reported all of this to the XXXX credit agencies, my local police, and contacted the debt collectors listed below. Obviously, I feel that this should all be immediately remedied without tons of action on my part. I have spent the entire day attempting to fix this. Any help moving this along would be appreciated. 
I am waiting on the finalized police report to send them my proof of residence and the report. 

The XXXX accounts and all the details I have are below : XXXX - Debt Collector is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Ref # for my case - XXXX Service Address : XXXX XXXX XXXX XXXX XXXX. XXXX TX, XXXX Dollar Amount : {$490.00} Company - XXXX XXXX Date of Service : XX/XX/XXXX - XX/XX/XXXX XXXX - Transworld Systems - XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Ref # for my case - XXXX Service Address : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, TX XXXX Dollar Amount : {$390.00} Company : XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX - Also Transworld Systems Ref # for my case : XXXX Service Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Dollar Amount : {$360.00} Company : XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX - Also Transworld Systems Ref # for my case : XXXX Service Address : XXXX XXXX XXXX. XXXX, TX XXXX Dollar Amount : {$290.00} Company : XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 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:
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 2024-07-09 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: NY

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 2024-07-09 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I filed a XXXX  XXXX Bankruptcy on XX/XX/24 and the creditors that I listed and included in my XXXX  XXXX Bankruptcy consisted of XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) and on XX/XX/24 both of these companies reported me as being late as well as an increase which is illegal and they can not do since I had filed a XXXX  XXXX Bankruptcy and they were not to make or report any changes during this time and process and they did. 

I have contacted Experian several times regarding this issue to no avail and they have not responded to any of my correspondences. I also lost a tremendous amount of points during this time as well that I want back ASAP. 

These companies were also notified on XX/XX/24 that I had filed a XXXX  XXXX Bankruptcy along with the case number and they still committed a crime in doing what they did. 

I have reported this information to the Bankruptcy Court along with the Trustee who is overseeing my case. I have also filed a lawsuit against Experian and all parties as a result of this information. 

You can not take action against any consumer who files a XXXX  XXXX Bankruptcy as a creditor once you are informed that they have done so and both of these creditors did not follow the rules of engagement as it pertains to this process in reporting information to Experian Credit Reporting Agency that they had no legal right in which to do so.

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 2024-07-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am disputing an unrecognized account listed on my XXXX credit report. The details of the account are as follows : Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2020 Status : Open Credit Limit : {$500.00} I do not recognize this account, and I did not authorize its inclusion on my credit report. I have no knowledge of this account, nor have I ever held an account with the details mentioned above. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to report accurate and verifiable information. I request that this account be investigated and removed from my credit report immediately, as it is not a valid representation of my credit history

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 2024-07-09 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I am disputing an unrecognized account listed on my Equifax credit report. The details of the account are as follows : Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Status : Open Credit Limit : {$500.00} I do not recognize this account, and I did not authorize its inclusion on my credit report. I have no knowledge of this account, nor have I ever held an account with the details mentioned above. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to report accurate and verifiable information. I request that this account be investigated and removed from my credit report immediately, as it is not a valid representation of my credit history

Company response to consumer: Closed with non-monetary relief