vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-25 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: MN

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy

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 2024-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Collection Bureau, Inc.
State: IN

Complaint narrative:
I went to pay my rent of XXXX XXXX  only to find out My bank account was frozen due to tax lien against me., in XXXX & in XXXX. I worked in XXXX and submitted XXXX in XXXX I didnt work at all. My husband is main provider as I have been a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX United collections XXXX has left me with no money to eat pay rent or take Brother in law to XXXX. This is an unjust Travesty and a hardship! My husband & I hired XXXX XXXX XXXX XXXX  for taxes Lady who handeled our case quit XXXX XXXX XXXX XXXX! During this time we were scammed out of our home & put on the streets on our XXXX XXXX wedding anniversary. Then husband hired XXXX XXXX XXXX, off over XXXX XXXX & XXXXothing! Collection Agency works on a 60 percent percentage, and I was told oh well! They also sent letters to an address I havent been at in years! But they new correct address to freeze bank account? Please We are XXXX  and cant handle losing all in life again, I pray and beg you for help! XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: FL

Complaint narrative:
XXXX XXXX Balance {$7100.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance {$8700.00} XXXX XXXX XXXX Balance {$850.00} I am a federally protected consumer who is guaranteed rights and protections pursuant to the FCRA and FDCPA. I provided adequate notice to the Consumer Reporting Agencies ( XXXX, XXXX and Transunion ) that information in my consumer file that I the consumer has identified as information that resulted from an alleged identity theft pursuant to 15 U.S.C. 1681c-2 and provided all appropriate documents as requested. All furnishers of the identified information that resulted from alleged identity theft was on my credit report also received appropriate notice. The FCRA has Prohibition on Sale or Transfer of Debt Caused by Identity Theft pursuant to 15 U.S.C. 1681m ( f ) and 15 U.S.C. 1681s-2 ( a ) ( 6 ). The company has placed a account on my consumer report that was reported as a resulted of alleged identity theft evidence by an FTC identity theft report and a police report this incorporate as apart of this complaint. The Consumer reporting Agency also has a duty to notify me the consumer in written of the reinsertion of any previously deleted information from my consumer file no more than 5 business days after the reinsertion. I HAVE NOT BEEN NOTIFIED. There actions has result in me the consumer suffering embarrassment and emotional harm when i was denied an extension of credit due to your accounts been apart of my credit file.

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 2024-03-25 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:
XXXX XXXX Balance {$7100.00} XXXX XXXX XXXX XXXX  XXXX Balance {$8700.00} XXXX XXXX XXXX Balance {$850.00} I am a federally protected consumer who is guaranteed rights and protections pursuant to the FCRA and FDCPA. I provided adequate notice to the Consumer Reporting Agencies ( Equifax, XXXX and XXXX ) that information in my consumer file that I the consumer has identified as information that resulted from an alleged identity theft pursuant to 15 U.S.C. 1681c-2 and provided all appropriate documents as requested. All furnishers of the identified information that resulted from alleged identity theft was on my credit report also received appropriate notice. The FCRA has Prohibition on Sale or Transfer of Debt Caused by Identity Theft pursuant to 15 U.S.C. 1681m ( f ) and 15 U.S.C. 1681s-2 ( a ) ( 6 ). The company has placed a account on my consumer report that was reported as a resulted of alleged identity theft evidence by an FTC identity theft report and a police report this incorporate as apart of this complaint. The Consumer reporting Agency also has a duty to notify me the consumer in written of the reinsertion of any previously deleted information from my consumer file no more than 5 business days after the reinsertion. I HAVE NOT BEEN NOTIFIED. There actions has result in me the consumer suffering embarrassment and emotional harm when i was denied an extension of credit due to your accounts been apart of my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 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: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
Last year a collection originating from XXXX was added to my credit report. I disputed this and it was removed. Now as of yesterday the same account is added to my report from a different collection agency ( Southwest Credit Systems ). I have disputed this with XXXX and XXXX. I called XXXX on XX/XX/year> and they gave me an address of XXXX XXXX XXXX XXXX PA XXXX XXXX. I have never lived there in my life. This is a fraudulent account. They stated they opened an investigation but I need to fill out a large amount of paperwork and send it to them so they can start the investigation. I need this removed from my account as my credit score dropped almost XXXX points and I am in the process of purchasing a house. XXXX was of no help, and I am not comfortable contacting the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 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: CA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

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 2024-03-25 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: CA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One has been unable to provide a XX/XX/2024 statement for my credit card. I called in XXXX and they stated there was an IT error and it would be corrected shortly. I called on XX/XX/XXXX, 6 weeks later and there is still no XXXX statement. The credit card personnel stated it has impacted a number of customers, it has been escalated, but there is no known action or date when it will be fixed. Mind you that the card, which is on autopayment at the end of each month and for each statement did pay a sum for the charges which would have been on the XXXX statement and covered the XXXX period. This makes ensuring there is no fraud on the card difficult and the company doesn't seem to be working the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: NV

Complaint narrative:
I recently reviewed a copy of my credit report and was shocked to learn I have been a victim of Identity theft. I found numerous accounts that were not open by me. This has been hurting me as Im a n the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible. 

Thanks in advance for assisting in resolving 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 2024-03-25 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HW Holding, Inc
State: TX

Complaint narrative:
I left my apartment in Texas to join a XXXX XXXX program in Utah on XX/XX/XXXX. At the time, I was living in an apartment in XXXX, TX. I had lived there since XX/XX/XXXX. When it was time to renew my lease in XXXX of XXXX, I explained to the XXXX ( XXXX XXXX ), that I would be leaving for XXXX XXXX but I was unsure of the date as they were waiting for an opening. I explained to him that there would be little notice given - that they could call and say they have a slot, and I'd have to be there in a week or so. He said that regardless, I needed to sign another lease. Not knowing any better, I complied. 

I was notified the first week of XXXX that I needed to be in Utah on XX/XX/XXXX to start the program. I notified the apartment office that I would be leaving. The weekend before XX/XX/XXXX, I moved out. I had no other choice. I literally caught a flight to Utah that Monday morning. My parents completed the move-out for me. My father moved the furniture out, and my mother cleaned the apartment. The rent for XXXX was paid. 

The apartment complex is XXXX XXXX XXXX. 
They said that I now owe {$1700.00} ; comprised of unpaid rent for the rest of the lease period, relet fees, move without notice, and various cleaning fees. I explained that I am a full-time student and have no income. Prior to that, I was literally living paycheck to paycheck. There is no way I can pay that. I was advised that within 60 days, the debt would be turned over to collections. 

After I moved out, XXXX XXXX  called me about this several times, and they called my parents as well. I asked them not to call me during the day ( I'm in class ), and not to call my parents at all. 

My mother went to the office of XXXX XXXX  on XXXX occasions and offered to write a check to settle this. They refused to discuss anything with her, acted like they had no knowledge of the situation, even though they had been calling her about it. 

In early XXXX, the debt was turned over to XXXX XXXX collection agency, but the amount is different from what XXXX XXXX  quoted me. The collection agency also called me despite my requests to cease, and they called my mother as well. 

I do not agree with the charges that XXXX XXXX  says I owe. I notified them that I would be moving as soon as I knew, and was very honest about the entire situation. I do not feel that I owe XXXX months of rent, as I know the apartment was rented again right away. Likewise, I do not agree with the cleaning fees because XXXX ) I know that my mother cleaned the apartment and XXXX ) cleaning carpet after a move-out is a normal practice and should be expected, and not a sign that I did anything wrong. The carpet looked fine. 

Additionally, I do not understand why they would not negotiate with my mother in person when clearly they wanted to discuss the matter with her on the telephone.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2024-03-25 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: VA

Complaint narrative:
Please remove all phone numbers on my credit report. 
Please remove all of the other addresses off of my credit report. All of the other addresses reporting onto my credit report are not accurate and are not my current residency. The post office will not be able to deliver to inaccurate addresses per Fair Credit Reporting Act since they are not accurate. 


The following addresses below are inaccurate : XXXX XXXX XXXX XXXX XXXX  VA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX XXXX XXXX XXXX XXXX, VA 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 2024-03-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: CA

Complaint narrative:
Letter dated XX/XX/XXXX from Lockhart , Morris & Montgomery , Inc. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX www.LMMInc.com Asking for XXXX payment of debt owed on XX/XX/XXXX through Original Creditor : XXXX XXXX XXXX AS Now owed to XXXX XXXX XXXX 

Asking for payment or writing for more information to stop collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: AZ

Complaint narrative:
There are errors on my credit report that Equifax has not removed after repeated requests. Due to their negligence, I am unable to qualify for a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE XXXX DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




STATE OF XXXX XXXXXXXX AS # XXXX 15 U.S.C 1681 section 602 A. 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 a 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 ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In response to the credit reporting agencies ' claim that these accounts were thoroughly investigated and verified, I question the validity of such assertions given the numerous inaccuracies present on my credit report. 

As a consumer, I demand transparency regarding the meticulousness of your agency 's verification process. Under 15 U.S.C 1681i ( 7 ), I am entitled to know the precise steps taken to ensure the accuracy of these items. It is imperative that every effort is made to guarantee the integrity of my credit information, and I will not settle for anything less than complete accountability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 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: TN

Complaint narrative:
its been over 30 days and the creditor information not had provided proof or documentation in regard to a late payment They have not supplied this information and they must delete the alleged late payments on my credit report. Under federal law they had 30 days to complete this investigation, and failing to do so this must be deleted immediately from the report as soon as possible

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