vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-01 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: FL

Complaint narrative:
Beginning XX/XX/XXXX Experian shared information about my credit report to the XXXX XXXX XXXX that was not supposed to be shared. It was regarding an account I disputed and had removed off my credit report. While spending months requesting credit reports from the XXXX major credit bureaus I found no mention of said account on any of their reports given to me. So on XX/XX/XXXX I contacted Experian to see if I could get information regarding my dispute and as to why it was reported to my recruiters. During the call the agent on the phone could see the dispute and see that it was removed so I thanked her and the call ended. On XX/XX/XXXX I called Experian again and requested the same information and some proof that I had disputed the account in the first place. The agent on the phone insisted they could not see any record of the dispute or send me any proof despite my previous call on XX/XX/XXXX proving otherwise. After numerous transfers I was finally transferred to a management agent named XXXX XXXX XXXX XXXX who said he was in charge of the dispute department and he repeated the same information as all the previous agents. My complaint is that I am not able to receive information or proof of my dispute despite an agent speaking to me about said dispute 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 explanation
Consumer complaint received 2024-10-01 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: Thaxton Investment Corporation
State: GA

Complaint narrative:
As per the guidance from the XXXX XXXX XXXX ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX according to XXXX XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within 4 business days pursuant to section 605c of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information with XXXX, XXXX and XXXX. Please delete the following accounts. XXXX XXXX  {$3300.00}, XXXX XXXX XXXX {$12000.00}, XXXX XXXX XXXX {$10000.00}, XXXX XXXX {$560.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: Westlake Services, LLC
State: GA

Complaint narrative:
As per the guidance from the XXXX XXXX XXXX ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within 4 business days pursuant to section 605c of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXX  and would like for all listed accounts to be blocked and deleted company information with XXXX, XXXX and XXXX. Please delete the following accounts. XXXX XXXX  {$3300.00}, XXXX XXXX XXXX {$12000.00}, XXXX XXXX XXXX {$10000.00}, XXXX XXXX {$560.00}

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 2024-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Dear : Lnvn This will serve as your legal notice of fair debt collection pratices act .15 u.s.c .ss 1692 To cease and desist all futher communication with me in regard to the above reference debt or debts I have decided that i do not want to work with your agency or any other agency under any circumstances.i will contact the original creditor directly in order to resolve this matter.by sending this letter it is my intention to stop allyour calls and collection activity from this day forth. 

I also reserve the right to file suit against you for any vilotions of this law. 

Please give this very important matter the utmost attention XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-01 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: MD

Complaint narrative:
I have been a victim of identity theft. All of my accounts were compromised and exposed to data breach. I initially requested for the fraud accounts and inquiries on my credit reports to be removed and they were but some of them are still on there. Please delete the late payment record from this account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. This account was stolen and caused that late payment which I just recently discovered. This account involved must also be changed to XXXXXXXX XXXX  ', which is a revolving account, rather than XXXXXXXX XXXX XXXX XXXX If you can see also, I attached the screenshot of my account and to date and it reports 100 % paid on time. So please, delete the inaccurate information from my credit reports asap. I even already requested for this account to be closed because of identity theft. Please delete and remove it asap. I refuse to accept any inaccuracy on my credit reports. I don't understand why you got to reinsert it on credit report. I also need your help in deleting these fraud inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I have attached my FTC report and IDs. Thank you for your support.

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 2024-10-01 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: MD

Complaint narrative:
I have been a victim of identity theft. All of my accounts were compromised and exposed to data breach. I initially requested for the fraud accounts and inquiries on my credit reports to be removed and they were but some of them are still on there. Please delete the late payment record from this account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. This account was stolen and caused that late payment which I just recently discovered. This account involved must also be changed to XXXXXXXX XXXX  ', which is a revolving account, rather than XXXX XXXX XXXX  XXXX If you can see also, I attached the screenshot of my account and to date and it reports 100 % paid on time. So please, delete the inaccurate information from my credit reports asap. I even already requested for this account to be closed because of identity theft. Please delete and remove it asap. I refuse to accept any inaccuracy on my credit reports. I don't understand why you got to reinsert it on credit report. I also need your help in deleting these fraud inquirieXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I have attached my FTC report and IDs. Thank you for your support.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: MD

Complaint narrative:
I have been a victim of identity theft. All of my accounts were compromised and exposed to data breach. I initially requested for the fraud accounts and inquiries on my credit reports to be removed and they were but some of them are still on there. Please delete the late payment record from this account : XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX. This account was stolen and caused that late payment which I just recently discovered. This account involved must also be changed to XXXXXXXX XXXX ', which is a revolving account, rather than XXXX XXXXXXXX XXXX XXXX If you can see also, I attached the screenshot of my account and to date and it reports 100 % paid on time. So please, delete the inaccurate information from my credit reports asap. I even already requested for this account to be closed because of identity theft. Please delete and remove it asap. I refuse to accept any inaccuracy on my credit reports. I don't understand why you got to reinsert it on credit report. I also need your help in deleting these fraud inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I have attached my FTC report and IDs. Thank you for your support.

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 2024-10-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: RevNow LLC
State: SC

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX called my brother in XXXX, my sister in law in XXXX and my mother in law in XXXX XXXX. Stated that they are collections company and trying to collect a debt to my family members.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: IL

Complaint narrative:
I am filing this complaint because my credit reports show several unauthorized inquiries and inaccurate personal information that I did not initiate or approve. These inquiries have appeared without my consent, and despite reaching out to the credit bureaus to have them removed, they remain on my reports. My disputes have been ignored or dismissed without proper investigation, leaving these inaccurate inquiries to negatively impact my credit score. This situation is both alarming and unjust, as these inquiries are not a result of any actions Ive taken.

Transunion Listed below are the Inquiries that are being challenged INQUIRY - XXXX XXXX XXXX XXXX XXXX XXXXXXXX INQUIRY - XXXX XXXX - XXXX INQUIRY - XXXXXXXX XXXX XXXX XXXX XXXX INQUIRY - XXXX XXXX XXXX XXXX XXXXXXXX INQUIRY - XXXX XXXX - XXXX INQUIRY - XXXX XXXX XXXX - XXXX INQUIRY - XXXX XXXX XXXX XXXX XXXXXXXX INQUIRY - XXXXXXXX XXXX XXXX XXXX XXXX  Under 15 U.S. Code 1681b ( c ) ( 1 ), a consumer reporting agency may only provide a consumer report for a permissible purpose. These inquiries do not meet the permissible purposes defined by the FCRA and should be expunged from my credit report forthwith.

Inaccurate Personal Information Additionally, I have identified several inaccuracies in my personal information that require correction. 

XXXX Incorrect Address : - Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Employer - XXXX XXXX XXXXncorrect Address : - XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Listed below are the Inquiries that are being challenged INQUIRY - XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY - XXXX XXXX XXXX XXXX INQUIRY XXXX XXXX XXXX XXXX - XXXX INQUIRY - XXXX XXXX XXXX - XXXX INQUIRY - XXXX XXXX - XXXX INQUIRY - XXXX XXXX XXXX - XXXX INQUIRY - XXXX XXXX XXXX XXXX XXXX INQUIRY - XXXX XXXX XXXX - XXXX 1 of 4 Under 15 U.S. Code 1681b ( c ) ( 1 ), a consumer reporting agency may only provide a consumer report for a permissible purpose. These inquiries do not meet the permissible purposes defined by the FCRA and should be expunged from my credit report forthwith. 
Inaccurate Personal Information Additionally, I have identified several inaccuracies in my personal information that require correction. Below is a detailed list of the erroneous entries : Incorrect Names | Incorrect Addresses | Incorrect Employment History | Incorrect Address : - Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Employer - XXXX XXXX Incorrect Address : - XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX INQUIRY - XXXX - XXXX INQUIRY - XXXX XXXX XXXX XXXX XXXXXXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Employer - 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 2024-10-01 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: IL

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my XXXX XXXX XXXX XXXX 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 generallf, 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 2024-10-01 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: IL

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my Experian information solutions inc. 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 generallf, 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 explanation
Consumer complaint received 2024-10-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: IL

Complaint narrative:
Someone stole my Identity, and turned into me, Using my name social security number .created drivers license and ID in my name and more horrible things. Several ID theft reports have been filed and a freeze and alert has been placed on all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: WI

Complaint narrative:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not.

As this my 3rd time trying to remove these items so I can buy a home. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed and blocked immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
LOCKHART, MORRIS & MONTGO Is a collection company and told me the company that my debt to the collections where trying to collect my debt from a medical bill from XX/XX/XXXX, LOCKHART, MORRIS & MONTGO received the debt on XX/XX/XXXX. Ive never been charged like this as many times as I go to the emergency room, and I had a XXXX in XXXX I dont see that medical bill reported nor any of my visits reported, this collection is the first and only big medical bill Ive had reported. And I dont understand why its a bill for the doctor and not the hospital. I was not notified through email as well on XX/XX/XXXX, I also dont recall being seriously ill or injured.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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 have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-01 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On the XXXX of XXXX they took XXXX payments out for the same amount to pay off my balance. I called them about this and asked them to send back XXXX payment, they said that they couldn't do that and just leave it on the account, I told them that wasn't possible I was not rich. I went to my bank on the XXXX of XXXX to file a complaint ref XXXX XXXXXXXX and asked for XXXX payment only back. The bank did give me only XXXX payment back, see bank statement. I then called on XX/XX/XXXX and spoke to a XXXX at XXXX XXXX which is the bank for XXXX XX/XX/XXXX gas card, I told her what I did and that there was still {$450.00} at their bank to payoff my balance which is what I did every month. She stated that she could not find it and asked me to send her proof, which I did, they still would not fix it. They started to add interest and late fees to my balance and called me on the phone harassing me about my balance. I then told them the story of what happened, they did nothing to fix it. Then they sent me to collections and reported to the credit reporting agencies that I was delinquent and this affected my credit score.I have not been able to get a loan because of their mistake. They later changed it to a charge off and is waiting for it to fall off after XXXX years.

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