vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Creditors Bureau Associates
State: LA

Complaint narrative:
Im writing to formally dispute the following hard inquiries listed on my credit report that I did not authorize : XXXX XXXX, dated XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, dated XXXX XXXX, XXXX Please remove these inquiries as they were not initiated by me. Ive included a copy of my credit report highlighting these items for your reference. Recently my information was stolen and is now being used. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Louisiana XXXX XXXX XX/XX/XXXX XXXX. 

Thank you for your prompt attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 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: TX

Complaint narrative:
I have made numerous attempts to address the issue of unauthorized inquiries on my consumer report, but to no avail. These inquiries are entirely unrelated to me and I am not responsible for them. Their presence has caused me considerable emotional and financial strain. As an identity theft victim, I may need to pursue legal action if this matter is not adequately resolved. These fraudulent entries on my consumer report have negatively impacted my ability to purchase a home and provide for my family, significantly affecting my financial stability. I have enclosed a copy of my previous correspondence to the Federal Trade Commission ( FTC ) detailing this issue and requesting resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 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: TX

Complaint narrative:
Im requesting your assistance with the incorrect account reflected on my credit report. It has damaged my reputation, and I need you to help fix this situation. Your incorrect reporting has caused me considerable distress, and you need to clear this inaccurate information from my record.

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 2024-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
i just returned home and i am trying to resolve credit issues. I used to have a XXXX  XXXX account that is now with lvnv funding. Lvnv has placed the account with a company called XXXX XXXX XXXX. I dont believe that they are operating in a fair way with me. I called in to settle and they said that they can only take 10 % of a balance they dont even own AND that they are collecting daily interest. The debt is with this " law firm '' but is in no way running the risk of going to court

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 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: GA

Complaint narrative:
I DIDN'T OPENED THIS ACCOUNT I NEVER GAVE ANYONE PERMISSION TO OPEN A XXXX XXXX XXXX XXXX XXXX IN MY NAME. THE ACCOUNT WAS OPENED ON XX/XX/XXXX AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. I WAS NO LONGER LIVING THERE AT THE TIME THIS ACCOUNT FRAUDULENTLY OPENED. I MOVED OUT OF THAT ADDRESS ON 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 2024-09-11 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 DIDN'T OPENED THIS ACCOUNT I NEVER GAVE ANYONE PERMISSION TO OPEN A XXXX 'S XXXX XXXX XXXX IN MY NAME. THE ACCOUNT WAS OPENED ON XX/XX/XXXX AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. I WAS NO LONGER LIVING THERE AT THE TIME THIS ACCOUNT FRAUDULENTLY OPENED. I MOVED OUT OF THAT ADDRESS ON XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 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:
This CFPB Complaint has been filed to request pursuant to FCRA 605 B ( 15 U.S.C XXXX XXXXXXXX XXXX XXXX XXXX XXXX$8800.00} XXXX. XXXX XXXX XXXX XXXX {$9200.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$360.00}. 

These accounts have resulted in several fraudulent hard inquires and fraudulent collection appearing on my consumer report. All of the aforementioned accounts collections and hard inquiries are the result of identity theft and fraud. I had attached a copy of my FTC identity theft criminal report ( XXXX ) as proof from the us federal trade commission that all of the aforementioned consumers credit accounts, collections, and hard inquires, are the results of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 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: AZ

Complaint narrative:
Can't stress enough that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to imagine, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 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 SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 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: VA

Complaint narrative:
There are unauthorized inquiries on my credit report.

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 2024-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LD Holdings Group, LLC
State: FL

Complaint narrative:
XX/XX/year> I filed the companies paperwork to remove Escrow from my loan as I pay my taxes directly as well as my insurance. Loandepot had paid an insurance company that I did not sign up with. Loandepot refused to review the paperwork saying the account was overdrawn ( due to their error ). I had already paid the overdrawn amount, but they had not processed it yet. They then took 7 months and repeated calls to process paperwork, at which time they claimed it was too late. After this LoanDepot then claimed to have paid my insurance to my correct carrier. This is interesting as I had already paid my insurance ( I don't escrow ). When I asked for proof of this payment or even an invoice, Loandepot said they had none and that they would not provide any if they did. They did however add over {$6000.00} to my account, again with no proof. Now they claim my account is delinquent for money they are not supposed to be collecting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 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: GA

Complaint narrative:
MY NAME IS XXXX XXXX AND I AM NOT A 3RD PARTY.I AM A NATURAL PERSON SUBMITTING THIS DISPUTE ON MY OWN BEHALF. 

I received two letters from Experian asking me for personal identifying information which was already submitted with my dispute.Experian asks for driver 's license, bank statements, full name including middle initial.social security number, date of birth and complete address for the last two years.I have provided ALL of the above and have attached them to this complaint as well. 

I am a victim of XXXX  and my request is to BLOCK the following information from my credit report within four ( 4 ) business days pursuant to Section 605C of the Fair Credit Reporting Act [ 15 U.S.C. 1681c-3 ] .I have attached FCRA Section 605C Self-Attestation Form signed by organization BELOVED whom is authorized by the State to make this determination.This is my SECOND request for the items to be blocked.The information listed below, which appears on my credit report, is the result of that trafficking. 
XXXX XXXX-ACCT # XXXX XXXX XXXX-ACCT XXXX XXXX XXXX XXXX XXXX-ACCT # XXXX Please send me notification of the actions taken. I appreciate your prompt attention to 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 explanation
Consumer complaint received 2024-09-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Amsher Collection Services, Inc.
State: MI

Complaint narrative:
I received a collection notice from Amsher Collections  on a XXXX  account that I never activated the SIM CARDS, Because they gave me different phone numbers, I was told I could keep old numbers. I called XXXX they know I never activated the SIM Cards. When they sent a bill I called and they confirmed owe zero. This has been going on over a year. Now when I call them they say I need a pin number to look in the account. I to not have a pin number. Now they tell me I have to go to a XXXX store to look up account. A BIG SCAM. Again I never activated XXXX XXXXXXXX XXXX XXXX XXXX They know it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc.
State: UT

Complaint narrative:
CREDIT MANAGEMENT LP has reported a collection of {$100.00} to my XXXX credit report but has never notified me about the debt in anyway. Their " customer service '' is unhelpful and I can not identify this alleged debt.

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 2024-09-11 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: PA

Complaint narrative:
Im requesting your assistance with the incorrect account reflected on my credit report. It has damaged my reputation, and I need you to help fix this situation. Your incorrect reporting has caused me considerable distress, and you need to clear this inaccurate information from my record.

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 2024-09-11 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 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: FL

Complaint narrative:
To Whom It May Concern, I regret to inform you that upon reviewing my credit report, I have discovered numerous inaccuracies that have been reported by your organization. These errors pertain to various personal identifiers, the presence of which may potentially result in identity theft or other grave repercussions if left unaddressed. It is utterly deplorable that such errors have occurred in my credit report, and I demand immediate rectification of all inaccuracies in your records. I can not emphasize sufficiently the importance of updating my personal information with utmost precision to prevent any additional detriment to my financial well-being.According to the Fair Credit Reporting Act ( FCRA ) Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I am disputing the inclusion of incorrect and outdated personal information on my credit report. The inaccurate data reported negatively impacts my creditworthiness and violates my rights under federal law. Delete this from my personal credit report now Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom It May Concern, I regret to inform you that upon reviewing my credit report, I have discovered numerous inaccuracies that have been reported by your organization. These errors pertain to various personal identifiers, the presence of which may potentially result in identity theft or other grave repercussions if left unaddressed. It is utterly deplorable that such errors have occurred in my credit report, and I demand immediate rectification of all inaccuracies in your records. I can not emphasize sufficiently the importance of updating my personal information with utmost precision to prevent any additional detriment to my financial well-being.According to the Fair Credit Reporting Act ( FCRA ) Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I am disputing the inclusion of incorrect and outdated personal information on my credit report. The inaccurate data reported negatively impacts my creditworthiness and violates my rights under federal law. Delete this from my personal credit report now Listed below are the Personal Information that are being challenged Incorrect Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 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: TX

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 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: GA

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

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 2024-09-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I had originally filed a complaint for a debt on my credit report from a creditor ( National Credit System Inc ) A/C # XXXXThe debt collector didnt verify the debt he didnt know who the original creditor was, I also asked four ( 4 ) questions to validate the debt since I never did any business with ( National Credit System Inc ), my questions werent answered he became very aggressive and ended the call. After that experience I did my own research and according to XXXX XXXX XXXX and Florida Office Of Financial Regulation this creditor is not authorized to collect any debt in the state of Florida. Please see attachments below

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
These late payments are inconsistent with my standard payment 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 2024-09-11 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: DE

Complaint narrative:
I am writing to address a serious concern regarding your failure to maintain fair and accurate credit reporting as required under the Fair Credit Reporting Act ( FCRA ) 602. Despite my repeated efforts over the past several months to have disputed items removed from my credit report, you have persistently affirmed their accuracy without providing any evidence of the verification methods used. This lack of transparency and adherence to FCRA guidelines is deeply frustrating.

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 2024-09-11 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: Spring Oaks Capital, LLC
State: LA

Complaint narrative:
Subject : Formal Dispute Regarding Inaccurate Reporting and Illegal Re-Aging of Debt I am writing to formally dispute the reporting of inaccurate and misleading information that you have furnished to XXXX regarding an account in your name. The account details are as follows : Original Creditor : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX I have obtained multiple credit reports from XXXX, dated XX/XX/year>, XX/XX/year>, and XX/XX/year>, and have identified clear violations of the Fair Credit Reporting Act ( FCRA ). These violations include : 1. Illegal Re-Aging of Debt : The Date of Last Activity ( DLA ) has been improperly updated to change from XX/XX/year>, to XX/XX/year>, and then XX/XX/year>, which is a clear attempt to illegally re-age the debt. Under 15 U.S. Code 1681c ( a ), the original delinquency date must be reported correctly.

2. Inaccurate Account Type Reporting : The account is inaccurately reported as an Open Account, despite this classification being incorrect. This violates 15 U.S. Code 1681s-2 ( b ), which requires furnishers to provide accurate information to the credit bureaus. 

My Demand : I am requesting that you immediately instruct XXXX to delete the inaccurate account information from my credit report and cease reporting this account inaccurately. If this issue is not resolved within 30 days, I will pursue legal action for your violation of the FCRA under 15 U.S. Code 1681n and 15 U.S. Code 1681o, and I will seek damages for willful and negligent non-compliance.

Company response to consumer: Closed with explanation