vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-03 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: FL

Complaint narrative:
XXXXm reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-12-03 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: SC

Complaint narrative:
I am submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2024-12-03 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:
I am submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2024-12-03 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: IL

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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: PA

Complaint narrative:
This company has illegally placed a fraudulent collection on my consumer report without following the law according to the FCRA. The FCRA says a collection must send a 5 day notice before a collection is placed on a consumer 's credit report. I intend to sue this company if this collection company if this is not deleted from my XXXX, Equifax and XXXX report immediately. I was denied for {$350000.00} home loan, my lawyer said this falls under financial damages. Deleted this immediately or I will have my lawyer take action right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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:
This company has illegally placed a fraudulent collection on my consumer report without following the law according to the FCRA. The FCRA says a collection must send a 5 day notice before a collection is placed on a consumer 's credit report. I intend to sue this company if this collection company if this is not deleted from my XXXX, XXXX and Experian report immediately. I was denied for {$350000.00} home loan, my lawyer said this falls under financial damages. Deleted this immediately or I will have my lawyer take action right away.

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 2024-12-02 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: Atlanticus Services Corporation
State: GA

Complaint narrative:
I am writing to dispute the accuracy of the information regarding this account on my credit report. The balance and charge-off status reported are incorrect, as this account was fully resolved in the past. This misinformation is unjustly impacting my creditworthiness. I kindly request a prompt investigation into this matter and an update to my credit report to remove this inaccurate entry. Please notify me once the correction has been made, as it is essential that my credit report accurately represent my financial history. Thank you for addressing this issue promptly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally notify you that I am a victim of identity theft stemming from a data breach. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that you block and delete the following unauthorized inquiries from my credit report. These inquiries were made without my knowledge or consent and are causing harm to my credit profile. 
Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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: CA

Complaint narrative:
I am writing to formally notify you that I am a victim of identity theft stemming from a data breach. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that you block and delete the following unauthorized inquiries from my credit report. These inquiries were made without my knowledge or consent and are causing harm to my credit profile. 
Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
What happened ( statement of pertinent facts ) : Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened, an auto loan account opened at XXXX XXXX XXXX XX/XX/year> account # XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or Input XXXX XXXX initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US THEFT REPORT Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are NUMBER the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: MS

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-12-03 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: SC

Complaint narrative:
Recently, I reviewed my credit report and noticed that XXXX XXXX XXXX is attempting to collect a debt in my state, but they do not have the legal authority to do so. Based on my research, this company appears to be closed, making it impossible to properly validate the alleged debt. I have never received any documentation regarding this account, such as the original contract proving I owe the debt or a transfer agreement, including a bill of sale. Despite this, XXXX XXXX XXXX has reported the debt to the credit bureaus, defaming my character and violating my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

Under 15 U.S.C. 1692g ( b ), a debt collector must cease collection activities until the debt is validated by providing sufficient documentation, which they have failed to do. Additionally, reporting unverified information to credit bureaus is a violation of the FDCPA, as established in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ). This also constitutes an unfair and deceptive practice under 15 U.S.C. 1692e, which prohibits false, deceptive, or misleading representation of debt collection. 

Their continued reporting of this unverifiable debt has defamed my character and caused harm, consistent with the principles in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), where the Supreme Court reinforced that attorneys and entities involved in debt collection must comply with the FDCPA. 

I am requesting the immediate removal of this account from my credit report and that all personal information be returned to the original creditor. This is not an attempt to validate the debt but to report XXXX XXXX XXXX for their violations of federal consumer protection laws.

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 2024-12-03 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: SC

Complaint narrative:
Recently, I reviewed my credit report and noticed that XXXX XXXX XXXX is attempting to collect a debt in my state, but they do not have the legal authority to do so. Based on my research, this company appears to be closed, making it impossible to properly validate the alleged debt. I have never received any documentation regarding this account, such as the original contract proving I owe the debt or a transfer agreement, including a bill of sale. Despite this, XXXX XXXX XXXX has reported the debt to the credit bureaus, defaming my character and violating my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

Under 15 U.S.C. 1692g ( b ), a debt collector must cease collection activities until the debt is validated by providing sufficient documentation, which they have failed to do. Additionally, reporting unverified information to credit bureaus is a violation of the FDCPA, as established in Jackson v. Experian Information Solutions , Inc., XXXX XXXX XXXX ( XXXX XXXX XXXX ). This also constitutes an unfair and deceptive practice under 15 U.S.C. 1692e, which prohibits false, deceptive, or misleading representation of debt collection. 

Their continued reporting of this unverifiable debt has defamed my character and caused harm, consistent with the principles in Heintz v. Jenkins, 514 U.S. 291 ( XXXX ), where the Supreme Court reinforced that attorneys and entities involved in debt collection must comply with the FDCPA. 

I am requesting the immediate removal of this account from my credit report and that all personal information be returned to the original creditor. This is not an attempt to validate the debt but to report XXXX XXXX XXXX for their violations of federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: TX

Complaint narrative:
I filed a complaint against XXXX based upon their fraudulent and deceptive practices. The Department of Education has already forgiven my Federal Student Loans based upon the XXXX XXXX XXXX  fraudulent marketing practices. However, XXXX did not approve their own internal forgiveness application that was mandated through a lawsuit. I submitted my application to XXXX in the summer of XXXX  ( XXXX ), before the deadline period ended. They asked that they be allowed 90 days to review all my information, and during this time my payments would be placed in a deferment status. Unbeknowing, to me during the 90 day review period they decided to transfer my private student loans portfolio to Mohela as they DENIED my loan discharge application. It is my discovery that Mohela does not manage private student loans nor do they have a forgiveness program for private student loans. In XXXX, XXXX representatives begin to harrass me daily stating that I needed to pay them {$2500.00} due to past due payments, even though they had transfered the loans to Mohela. Now, Mohela harrasses me stating I have a past due balance of {$8300.00} and they plan to ruin my credit. I paid XXXX for 9 years with a autodraft each month from my checking account with the amount ranging from {$1100.00} to {$900.00} each month. This is a serious matter that I hope you can help me resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: NY

Complaint narrative:
I have repeatedly contacted your office about accounts in pending litigation that are inaccurately reported on my credit file. Each delay is worsening the impact on my credit, and I am done waiting.

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 2024-12-02 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: SC

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
Remedies for Willful Non-Compliance : Under the FCRA, 15 U.S.C. 1681n, willful non-compliance with credit reporting laws can result in liability for actual damages, statutory damages of up to {$1000.00} per violation, and punitive damages. Additionally, the law provides for the recovery of costs and attorneys fees incurred as a result of the violation. I am prepared to pursue all available legal remedies should you fail to correct this inaccuracy and comply with applicable laws. I am writing to formally dispute and demand the deletion of an unauthorized hard inquiry from my credit report. The details of the inquiry are as follows : Inquiring Entity : SYNCB/SAMS CLUB Date of Inquiry : XX/XX/XXXX  Address : XXXX XXXX XXXX XXXX, FL XXXX I did not authorize this inquiry, and it is negatively impacting my credit score. According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., furnishers of information are required to ensure the accuracy and completeness of the information they provide to consumer reporting agencies. Reporting an unauthorized hard inquiry violates this requirement. 

I request that you investigate this matter and remove this unauthorized inquiry from my credit report immediately. Please confirm receipt of this letter and inform me of the actions taken to resolve 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 2024-12-02 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: RSI Enterprises, Inc.
State: TX

Complaint narrative:
On XX/XX/year>, I received a letter from RSI Enterprise , Inc., attempting to collect an alleged debt of {$470.00}. I dispute this debt as it is not mine. To address this matter, I sent a debt validation letter to RSI Enterprise , Inc. requesting : 1. Validation of the debt, including a detailed account history and calculation of the alleged amount.

2. Proof of ownership of the debt, such as a bill of sale or assignment contract demonstrating RSI Enterprises authority to collect. 

3. Verification of my liability, including any signed agreements or contracts evidencing my responsibility for the alleged debt. 

Despite this request, RSI Enterprise , Inc. has continued to contact me through phone calls and mailed correspondence without providing any of the requested documentation. Most recently, they called me on XX/XX/year>, disturbing me with collection attempts. These actions violate the Fair Debt Collection Practices Act ( FDCPA ), specifically : -Their failure to validate the debt as required under the FDCPA after my formal written request. 

-Their continued contact and collection attempts after being informed that I dispute the debt and requested validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: SC

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion is continuously updating the date of the last activity every single month on these charge off accounts. Debt validation has not been verified and accuracy of these accounts have not been investigated properly. This is false and misleading information that is hurting my consumer report. 

Delete these accounts from my consumer report or I will be pursuing litigation for actual damages for artificially damaging my FICO score. 

ACCOUNT : XXXX XXXX : XXXX ACCOUNT : XXXX XXXX : XXXX ACCOUNT : XXXX XXXX : XXXX ACCOUNT : XXXXXXXX XXXX XXXX XXXXXXXX ACCOUNT : XXXX : XXXXXXXX ACCOUNT : 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 non-monetary relief