vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-20 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: KY

Complaint narrative:
Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 


XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX/XXXX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian EXPERIAN XXXX XXXX  XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian Here I attach, along with the dispute, my fraud report that I just sent to experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity

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 2024-08-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file XXXX XXXX XXXX Balance : {$190000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2024-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COAST PROFESSIONAL, INC.
State: PA

Complaint narrative:
On or about XX/XX/year> Coast Professional, Inc contacted me regarding an alleged debt. I have reason to believe I we do not owe this debt because the debtor is XXXX XXXX XXXX XXXX and we have no liability, association, or debt with XXXX XXXX XXXX XXXX. There is no such LLC registered at the address they sent the letter to. We owe no payments to Coast Professional , Inc or the Creditor. 

We notified you, Coast Professional , Inc by mail on XX/XX/XXXX of this and they ignored it. Coast Professional , Inc simply sent two new letters listing debts and the original LLC as the debtor. Coast Professional , Inc has NOT substantiated why anyone currently residing at the residence they are sending the collection notice to is liable for a debt they are collecting.

We were also notified by the prior owners that Coast Professional , Inc did the same thing to them ( the debtor is likely at least 2 owners ago ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-08-20 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: AZ

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-20 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: AZ

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-08-20 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: MS

Complaint narrative:
This account was charged off XXXX XXXX XXXX.Account number:XXXX However, since then, the account has been repeatedly updated as charged off every month. These updates inaccurately reflect the payment history and falsely manipulate the statute of limitations on this account.

Despite my previous requests to investigate this matter, this issue has not been properly addressed. Your continued neglect to correct this information is unacceptable. Therefore, I am demanding the immediate deletion of this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 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: NY

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2024-08-20 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: KY

Complaint narrative:
Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 
XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX  TransUnion XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX XXXX XXXX TransUnion Here I attach, along with the dispute, my fraud report that I just sent to Transunion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity

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 2024-08-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 602. This states I have the right to privacy, 15 USC 1681 Section 604 A Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCs 1666B, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

This fraudulent, inaccurate, and false information consists of a personal credit card account opened at Suncoast Schools Federal Credit Union on XX/XX/year> under the account number XXXX, with a balance of {$650.00} that appears related to the aforementioned Credit Card account opened at Suncoast Federal Credit Union . These accounts have resulted in several fraudulent hard Inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud.

What would be a fair resolution to this issue?

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the XXXX credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint.I request that all written confirmation regarding this CFPB complaint be sent to me via email to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: SC

Complaint narrative:
I sent a request for Jefferson Capital to validate this debt. Jefferson Capital did not validate the debt. Jefferson Capital sent me a copy of a statement from XX/XX/year>. Per XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, sending statements alone does not constitute sufficient evidence of a debt. Jefferson Capital has failed to validate this debt in accordance to the Fair Credit Reporting Act. 
I sent another request for validation of the debt to Jefferson Capital, requesting Name and address of original creditor, original date of alleged debt, a detailed account history, and most important proof that they have the legal right to collect said debt, including the purchase agreement between Jefferson Capital and the alleged original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
my two active capital one credit cards were close by the company unexpectedly, i called the company to found out why they close my account, that cause my credit score to drop XXXX points, they told me it was because of insufficient payment funds, i explained to customer service that the payment was available, also at that time it was a week of computer glitch, they told me there is nothing they can do to keep my cards active. so they close both of my credit card accounts, with no pass due credit card debt. i told them it was wrong and unfear, the computer glitch was a world wide event. again they told me there were nothing they can do to keep those credit card accounts active. these unexpected credit card closer, cause a great amount stress, and disappointment to my family and i, because we were on vacation at the same time, all this was express to capital one. they will chose to close my credit card accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint against Diversified Adjustment Service regarding their attempt to collect a debt that I do not owe. The details of the account in question are as follows : Account Number : XXXX Amount : {$1100.00} Date Reported : XX/XX/year> I have never conducted business with XXXX XXXX XXXX, and I have not received any notices or communications from them regarding this alleged debt. I believe this may be a case of identity theft, as I do not know how they obtained my Social Security number or any other personal information. 

I have made multiple requests to Diversified Adjustment Service for debt validation, including : A copy of the original assignment contract or agreement, demonstrating their legal right to collect this debt ( 15 U.S.C. 1692g ). 
Documentation verifying the validity of the debt, including the original creditors details and the amount ( 15 U.S.C. 1692g ( b ) ). 
Evidence that they are authorized to collect debts in the state of Texas ( 15 U.S.C. 1692d ). 
Despite my requests, I have not received any response or documentation from them. Additionally, this negative item remains on my credit report, which I believe to be erroneous. 

In light of this, I respectfully request that the CFPB conduct a thorough investigation into this matter. Specifically, I request that Diversified Adjustment Service be required to : Provide the requested debt validation and proof of authorization to collect this debt. 
Remove all negative items associated with this account from my credit report. 
I trust that the CFPB will address this issue promptly and ensure that my rights are upheld. 

Thank you for your attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
There is an account incorrectly reporting 5 charged off months when an account can only be charged off once. This is false misrepresentation under 15 US Code 1692e. This XXXX XXXX account has already been removed from two other credit bureaus, but is still reflecting on my TransUnion report. If TransUnion had conducted a thorough investigation, they would have reached the same conclusion as the other agencies, since the company and account in question are identical. This inconsistency suggests that there may be a lack of proper validation across all three bureaus. 

If XXXX findings differ from the other credit bureaus, it raises concerns about the accuracy of the information being reported and suggests that the reporting company may not be acting transparently. This situation is impacting my credit rights, and I believe it is crucial for all credit reporting agencies to adhere to consumer laws that ensure fair practices. 

I would appreciate your assistance in addressing this matter. Thank you for your attention to this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 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: TX

Complaint narrative:
on XX/XX/XXXX I Discovered a fraudulent account on my credit profile From XXXX XXXX XXXX. The creditor that is reporting on my report is XXXX XXXX XXXX for the amount due of {$1600.00} ( Account # XXXX ) On XX/XX/XXXX I filed an identity theft report and a police report with my local department. I also filed a dispute with Experian and XXXX requesting this item be removed due to being fraudulently obtained in my name. This Dispute process has gone on way to long and i have yet to see any results being made. 

Today is XX/XX/XXXX Almost a year later and I am now reaching out to the CFPB to investigate more into this situation.

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 2024-08-20 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: TX

Complaint narrative:
on XX/XX/XXXX I Discovered a fraudulent account on my credit profile From XXXX XXXX XXXX. The creditor that is reporting on my report is XXXX XXXX XXXX  for the amount due of {$1600.00} ( Account # XXXX ) On XX/XX/XXXX I filed an identity theft report and a police report with my local department. I also filed a dispute with Experian and XXXX requesting this item be removed due to being fraudulently obtained in my name. This Dispute process has gone on way to long and i have yet to see any results being made. 

Today is XX/XX/XXXX Almost a year later and I am now reaching out to the CFPB to investigate more into this situation.

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 2024-08-20 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: LA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-08-20 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: FL

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 non-monetary relief
Consumer complaint received 2024-08-20 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: CA

Complaint narrative:
I am writing to formally dispute several unauthorized inquiries on my credit report that are the result of identity theft. These inquiries were not made by me, nor did I authorize them. As such, they should be removed from my credit report immediately in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under U.S. Code 1681b. 

The inquiries I am disputing are as follows : XXXX XXXX XXXX XXXX InquiryXXXX  Date : XX/XX/year> XXXXXXXX XXXXXXXX  InquiryXXXX Date : XX/XX/year> XXXX. XXXX XXXX XXXX XXXX InquiryXXXX Date : XX/XX/year> XXXX. XXXX  InquiryXXXX  Date : XX/XX/year>XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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: NY

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation