vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 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: PA

Complaint narrative:
The following accounts : XXXX Account # XXXX XXXX Account # : XXXX XXXX XXXXXXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX Account # XXXX Are reporting to XXXX, XXXX and Equifax when it is my understanding an reason to believe that because these debts were charged off that is was memorialized with a Form 1099C as proof or evidence thereof. I have a copy B of the 1099-C forms proving the debt was accepted by the IRS and discharged and that because of that fact, this debt is cancelled. According to IRS publication 4681 ( 1. ) Canceled debts, When a debt is canceled or forgiven, the amount of the canceled debt is treated as taxable income to the debtor by the IRS. Income can not be reported on consumer credit reports this indicates inaccurate reporting on these furnishers behalf and therefore is a violation of the FCRA by the furnishers to continue to report this inaccurate information. Especially with the actual knowledge, notice and confirmation of the errors. 15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ) states that a person shall 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.

I demand that these accounts be removed from my credit report completely to avoid any legal recourse or action on behalf of myself by retained counsel.

Attached you will find copy B 's of each 1099-C from each furnisher, and the IRS publication proving 1099-C 's are discharged debts and therefor income and INCOME does not get reported on consumer credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
There are XXXX new accounts ( credit/loan ) opened on the last XXXX months that are not mine. These accounts are : XXXX XXXX XXXX in the amount of {$5800.00} XXXX XXXX XXXX XXXX XXXX XXXX credit card {$2900.00} XXXX XXXX XXXX XXXX {$0.00} I dispute these accounts with XXXX and XXXX . They responded that they verified my information with these companies consequently these accounts are remained in my report.

I put a freeze of my credit with the XXXX agencies. 

I also put an initial fraud alert with the XXXX agencies. 

Neither I or someone else on my behalf requested these accounts and I need to be removed them from my credit report. 

In addition, I received a letter from XXXX XXXX informing me that my credit information has been accessed by an authorized third party. ( See attached letter ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 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: Aqua Finance, Inc.
State: FL

Complaint narrative:
There are XXXX new accounts ( credit/loan ) opened on the last three months that are not mine. These accounts are : Proform Financing loan in the amount of {$5800.00} Aqua Finance , Inc. XXXX XXXX credit card {$2900.00} Aqua Finance , Inc. {$0.00} I dispute these accounts with XXXX and XXXX XXXX They responded that they verified my information with these companies consequently these accounts are remained in my report. 

I put a freeze of my credit with the XXXX agencies. 

I also put an initial fraud alert with the XXXX agencies. 

Neither I or someone else on my behalf requested these accounts and I need to be removed them from my credit report. 

In addition, I received a letter from XXXX XXXX informing me that my credit information has been accessed by an authorized third party. ( See attached letter ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 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:
It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely appreciated.

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 2024-04-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
I have set up direct deposit two times online since forbearance was taken away. My account keeps saying I owe no payments. I keep calling and I can not get a hold of someone. 

No intrest in accruing. I'd like to start my payments, but it won't allow me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 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: MD

Complaint narrative:
I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly valued.

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 2024-04-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc.
State: TX

Complaint narrative:
United Collection Bureau, acting on behalf of XXXX XXXX XXXX XXXX, attempted to collect a debt without offering an opportunity to dispute it. The first acknowledgement of this debts existence was on a credit report collection with absolutely XXXX prior contact whatsoever. I will state under oath, notarized, and in court, that neither XXXX XXXX XXXX XXXX nor UCB ever called my phone, sent me a correspondence, communicated with me, emailed, or anything that could be conceived as an opportunity to dispute this debt. Having received no contact or knowledge of its existence, I was unable to respond ( intentionally by UCB ) to their " 45 days to dispute '' attempts. Had I been made aware of a debt or balance I would have immediately disputed it, and offered my insurance cards, for which I had two healthcare insurance providers one from XXXX with a fully met deductible, and one from XXXX XXXX XXXX under the XXXX also with a fully met deductible, that would have covered 100 % of any medical expenses. Because UCB denied me this opportunity they are using predatory collection practices to coerce people into people debt that does not belong to them whether due to faulty insurance filing or incompetent medical staff. 

UCB made XXXX efforts to validate this debt, and XXXX efforts to dispute the debt, and XXXX efforts to work out any arrangement should the debt have been validated. I am someone who lives below the poverty line, I had a negative income tax return, and I make under {$20000.00} per year off government assistance. 

I was contacted by a XXXX XXXX of UCB who falsely stated via postal mail that I had the opportunity to dispute the debt and declined. They sent notification of my right to dispute the debt -six months- after the deadline, and -after- it was reporting to my credit report and -after- I requested to know why it was there. If this debt had been validated I would have made a payment arrangement to prevent it from being reported on my credit or entered into one that guaranteed its immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 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: IN

Complaint narrative:
Please eliminate these deceptive accounts from my credit report, as I never authorized their creation. Kindly delete this incorrect entry.

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 2024-04-02 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: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I previously employed a live-in caregiver that I entrusted with all of my personal business. She had and possibly still has access to all of my personal and financial information. I am currently having my daughter review my credit bureau records. What she found was numerous credit inquiries. She has applied to numerous creditors that I currently do business with. 
Criminal charges will be filed against this person. I need your assistance in this matter as well. 

Thank you

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 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: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
On XX/XX/XXXX & XX/XX/XXXX, I placed two orders through XXXX, XXXX XXXXXXXX XXXX XXXX XXXX & a XXXXXXXX XXXX XXXX XXXX XXXX XXXX, that I did not receive. According to XXXX, both orders were delivered on XX/XX/XXXX. As per the drivers notes, the packages were handed directly to a receptionist or someone at a front desk. Signed by : XXXX, however this information is false. My address is a private home not a business & I never signed for these packages. I contacted XXXX 3 times ; during the first and second conversation, the rep offered a full refund that was never credited ( I even got a confirmation email of such refund, but it was never credited to my account ). During my last conversation with XXXX, the rep stated that according to their investigation, the packages were delivered & because of this they would not process any refunds or replace the items. I asked the rep to provide me the proof on which this decision was made & he simply said that the packages were signed for- I understand they were signed for & also delivered somewhere, but it was not delivered to my home address. XXXX also suggested that I file a police report for stolen items ; I attempted to do this, but when I explained this to my local police dept, they stated this is not a case of a stolen packages that it was more of a delivery delivered to the wrong address. As of today, I am out of the money I spent on these items, {$110.00} & {$160.00}, and XXXX does not want to replace them. The driver must have stolen the packages or delivered them to the wrong place. The driver lied about me signing for them ( I forgot to mention, signature was required at the time of delivery for both packages ). Order XXXX XXXXXXXX Order XXXX XXXXXXXX. 
Moreover, I filed a transaction dispute with my Apple credit card company and they have denied the case twice because they are siding with XXXX. I requested for the proof and after reviewing the proof XXXX provided, it is clear that they have no real evidence of the packages being delivered to my house. XXXX provided my credit card company the same information I had given them when I initiated the transaction dispute, so it is unclear to be what kind of investigation took place. I am in disbelief as to how my credit card company is taking the side of a company thats clearly providing false information on customers ( Needless to say, I am no longer a member of XXXX ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-02 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: CITIBANK, N.A.
State: PA

Complaint narrative:
I requested a credit line increase on a card that I already had with the creditor. Under law, it is my understanding that when you request a credit line increase, it is not supposed to reflect as a hard inquiry on your credit report. I requested the credit line increase, and it was offered to me and approved, however, they reported it as a hard inquiry on my credit report. Home Dept, XX/XX/year>. Though Ive already had the creditor service and credit card in question since XXXX of this year. Anytime I do a credit line increase request, It is always processed as a soft inquiry. I never have a hard inquiry or I would not have done it. It did not offer a disclaimer that this is what would occur and this is not the standard practice. And I utilize this so that it can help increase my debt to income ratio.

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 2024-04-02 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: CA

Complaint narrative:
When I reviewed my credit report, I discovered some information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$1900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 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: NY

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

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 2024-04-02 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: UT

Complaint narrative:
DELETE HARD INQUIRIES accordance with the Far Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Jection 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 ) ( a ) A person shall 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. 

DELETE THE ACCOUNTS BELOW TRANSUNION XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 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: TX

Complaint narrative:
On or about XX/XX/XXXX, I submitted a complaint regarding XXXX. The complaint was addressed, and XXXX stated that they located and removed the following records from my credit report : XXXX and XXXX. XXXX also submitted a dispute to both Experian and XXXX on my behalf. However, after multiple calls to Experian, and XXXX - I was told that no such dispute was received or could not be located. 

I have sent every letter received from XXXX to both Experian and XXXX. I am not sure why XXXX has decided to change how I am addressed in each as this could be the reason why both entities are claim they are unable to locate disputes. 

XXXX claims they are getting this information directly from the courts. Please see the attached letter from the courts, dated XXXX, XXXX, XXXX stating that the Trustee does not report to credit agencies.

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 2024-04-02 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: NY

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

Company response to consumer: Closed with non-monetary relief