vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-19 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.

Complaint narrative:
This is my numerous requests to tell you that I am a victim of identity theft, and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4300.00} XXXX  XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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: MI

Complaint narrative:
XXXX XXXX with fake XXXX XXXX and XXXX that XXXX XXXX XXXX XXXX  have on your records and he here from XXXX here on an XXXX  using my personal identifiers XXXX confirmed by XXXX XXXX XXXX deeds he stole my property using his XXXX XXXX XXXX  on a fake conevant deed as his wife XXXX that he purchased my home XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX for XXXX a lie . XXXX Credit card  department XXXX XXXX XXXX ext. XXXX has confirmed he gotten four credit cards also associated with XXXX XXXX as ending XXXX, XXXX, XXXX, XXXX and now XXXX XXXXXXXX ending XXXX damaging my credit file and score and harm me with about 30 loans all hitting my credit file without clear title. Then he cash two escrow account checks in my name XXXX. XX/XX/XXXX XXXX. Mailed out by XXXX at XXXX XXXXXX/XX/XXXX XXXX  assign claim no. XXXX for XXXX value of my paid up Mortgage confirmed by XXXX as case XXXX. Then whereas he lied he purchased from XXXX XXXX XXXX XXXX fake loan XXXX that in a letter dated XX/XX/XXXX by XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX lied of a lender that do not exist as 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
Consumer complaint received 2024-09-19 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: MI

Complaint narrative:
XXXX XXXX with fake XXXX XXXX and XXXX that XXXX XXXX XXXX XXXX  have on your records and he here from XXXX here on an XXXX  using my personal identifiers XXXX confirmed by XXXX XXXX XXXX deeds he stole my property using his XXXX XXXX XXXX  on a fake conevant deed as his wife XXXX that he purchased my home XXXX XXXX XXXX XXXX XXXX XXXX loan XXXX from XXXX XXXX for XXXX a lie . XXXX XXXX XXXX department XXXX XXXX XXXX ext. XXXX has confirmed he gotten four credit cards also associated with XXXX XXXX as ending XXXX, XXXX, XXXX, XXXX and now XXXX  XXXX ending XXXX damaging my credit file and score and harm me with about 30 loans all hitting my credit file without clear title. Then he cash two escrow account checks in my name XXXX. XX/XX/XXXX XXXX. Mailed out by XXXX at XXXX XXXX XXXX assign claim no. XXXX for XXXX value of my paid up Mortgage confirmed by XXXX as case XXXX. Then whereas he lied he purchased from XXXX XXXX XXXX XXXX fake loan XXXX that in a letter dated XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX lied of a lender that do not exist as 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 2024-09-19 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: LEXISNEXIS
State: MI

Complaint narrative:
XXXX XXXX with fake XXXX XXXX and XXXX that XXXX XXXX XXXX XXXX have on your records and he here from XXXX here on an XXXX  using my personal identifiers XXXX confirmed by XXXX XXXX XXXX deeds he stole my property using his XXXX  XXXX XXXX on a fake conevant deed as his wife XXXX that he purchased my home XXXX XXXX XXXX XXXX XXXX XXXXXXXX loan XXXX from XXXX XXXX for XXXX a lie . XXXX XXXX XXXX department XXXX XXXX XXXX ext. XXXX has confirmed he gotten four credit cards also associated with XXXX XXXX as ending XXXX, XXXX, XXXX, XXXX and now XXXX  XXXX ending XXXX damaging my credit file and score and harm me with about XXXX loans all hitting my credit file without clear title. Then he cash two escrow account checks in my name XXXX. XX/XX/XXXX XXXX. Mailed out by XXXX at XXXX XXXX XXXX assign claim no. XXXX for XXXX value of my paid up Mortgage confirmed by LexisNexis as case XXXX. Then whereas he lied he purchased from XXXX XXXX XXXX XXXX fake loan XXXX that in a letter dated XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX lied of a lender that do not exist as XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
I requested the purchase agreement for this debt and they could not relinquish it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
, I dispute the following items as they are unknown to me : XXXX XXXX Balanced {$0.00} XXXX XXXX XXXX Balanced {$0.00} XXXX XXXX XXXX Balanced {$0.00} XXXX XXXX Balanced {$2700.00} XXXX  XXXX Bankruptcy 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 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 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 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 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 2024-09-19 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: AL

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. This account dont belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I, XXXX XXXX hold an account at Bank of America ending in XXXX. 
I made a deposit on XX/XX/XXXX {$9000.00} cash and {$8700.00} check in a local branch in XXXX IL. 
I have a proof showing cash and check cleared next day. 
Today I came tp realization that they took my money in the amount of deposoted check {$8700.00} causing my account to go negative. 
I tried calling, they were not helping nor answering. 
I want my money back!

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 2024-09-19 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: TX

Complaint narrative:
Subject : Request for Assistance in Removing Inaccurate Inquiries from Credit Report Dear Consumer Financial Protection Bureau, I am reaching out to seek your assistance regarding several inaccurate inquiries on my credit report that I have disputed with TransUnion. These inquiries are associated with ciber attacks from XXXX and XXXX, which I believe were the result of identity theft or misunderstanding. Despite my efforts to resolve this issue directly with TransUnion, the inaccuracies remain on my report, negatively affecting my credit profile. By law with the Fair Credit Reporting Act, specifically under 15 U.S.C. 1681s-2 ( a ) I kindly request your help in erasing these fraudulent inquiries to ensure my credit report reflects accurate and fair information. Thank you for your attention to this matter and for your support in protecting consumers like myself. 

Sincerely, 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 2024-09-19 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: OH

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 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 2024-09-19 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: OH

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 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 2024-09-19 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: MA

Complaint narrative:
I requested the purchase agreement for this debt and they could not relinquish it

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 2024-09-19 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: MA

Complaint narrative:
I requested the purchase agreement for this debt and they could not relinquish it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 

Account name : XXXX XXXX Account # XXXX, Account name : XXXX XXXXXXXX XXXX Account # XXXX Account name : XXXX XXXX # Account # XXXX Account name : XXXXXXXX XXXX Account # XXXX has violated my rights. 

I reviewed my XXXX, XXXX and Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-09-19 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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 

Account name : XXXX XXXX Account # XXXX, Account name : XXXX XXXXXXXX XXXX  Account # XXXX Account name : XXXX XXXX # Account # XXXX Account name : XXXXXXXX XXXX Account # XXXX has violated my rights. 

I reviewed my XXXX, Equifax and XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: NJ

Complaint narrative:
I have been getting repeated emails from TrueAccord ( on behalf of XXXX  XXXX ) for debt I do not owe. Nothing was showing up on my credit report for this debt and Ive never taken out of loan from XXXX  XXXX. I called TrueAccord finally because I was tired of getting emails. They are investigating it as potential fraud but Im concerned theyll keep trying to collect from me. How are they getting my information to collect a debt that I do not owe?

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 2024-09-19 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.

Complaint narrative:
My account with 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 60 days 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.

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 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 2024-09-19 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: MI

Complaint narrative:
XXXX XXXX fake XXXX from XXXX on an visa and the entire family using fake identifiers including the daughter name is immaculate and the wife is XXXX. Stole my property my loan with XXXX XXXX XXXX XXXX loan no. XXXX and using a fake XXXX XXXX loan from broker XXXX XXXX as XXXX that they purchased from XXXX XXXX at a bank foreclosure sale XX/XX/XXXX for XXXX a lie. Without clear title he got around 30 loans all hit my credit file then cash two trust account checks in my name 1. XX/XX/XXXX XXXX. XXXX escrow check mailed out by supervisor XXXX on XX/XX/XXXX and he cashed them into a XXXX  account known as XXXX XXXX XXXX. Confirmed by XXXX XXXX XX/XX/XXXX that he stolen my identity and he provided me with property claim no. XXXX for XXXX. XXXX XXXX credit card XXXX XXXX confirmed that he got 4 credit cards in my name ending XXXX, XXXX, XXXX, XXXX and now capital one ending XXXX and rolling on. Faking that he is a doctor under license XXXX with fake Tin # XXXX and using my information and fake XXXX on your records must remove my identifiers from your records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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: LEXISNEXIS
State: MI

Complaint narrative:
XXXX XXXX fake XXXX from XXXX on an visa and the entire family using fake identifiers including the daughter name is immaculate and the wife is XXXX. Stole my property my loan with XXXX XXXX XXXX XXXX loan no. XXXX and using a fake XXXX XXXX loan from broker XXXX XXXX as XXXX that they purchased from XXXX XXXX at a bank foreclosure sale XX/XX/XXXX for XXXX a lie. Without clear title he got around XXXX loans all hit my credit file then cash XXXX trust account checks in my name 1. XX/XX/XXXX XXXX. XXXX escrow check mailed out by supervisor XXXX on XX/XX/XXXX and he cashed them into a boa account known as XXXX XXXX XXXX. Confirmed by XXXX XXXX XX/XX/XXXX that he stolen my identity and he provided me with property claim no. XXXX for XXXX. XXXX XXXX credit card XXXX XXXX confirmed that he got 4 credit cards in my name ending XXXX, XXXX, XXXX, XXXX and now capital one ending XXXX and rolling on. Faking that he is a doctor under license XXXX with fake Tin # XXXX and using my information and fake XXXX on your records must remove my identifiers from your records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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: PA

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

Company response to consumer: Closed with explanation