vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-15 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: FL

Complaint narrative:
I recently disputed this account in XXXX of 2024 and I received notice that you have updated my account. I would love to know how you completed this investigation because I am aware of several still existing inaccuracies. This should not be the case after your investigation has been completed. One account that has been previously disputed is still reporting inaccuracies after your investigation. How is this possible? I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence. Please include all names and contact information of employees that you spoke to as a part of this investigation. Clearly, you just pushed my dispute through E-Oscar because you could not have read this dispute and continued to report against the FCRA. The FCRA states that ALL information must be COMPLETE, VERIFABLE, AND ACCURATE. This account is not any of the above adjectives. Please delete this erroneous account immediately! 

XXXX XXXX with account # XXXX Delete this erroneous account IMMEDIATELY! 
Collection account from XXXX with account # XXXX - Delete this erroneous account IMMEDIATELY! 
XXXX XXXX XXXX Auto Loan with account # XXXX - Delete this erroneous account IMMEDIATELY! 
XXXX XXXX XXXX XXXX Credit Card with account # XXXX - Delete this erroneous account IMMEDIATELY! 
XXXX XXXX Installment account with account # XXXX - I have never been late or missed payments on this account! Provide me provide me with records of all payments made or missed on this 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 explanation
Consumer complaint received 2024-09-15 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: MD

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized credit inquiries made to my credit report. I have discovered several inquiries that I did not approve or authorize, and I am unfamiliar with the companies involved. Additionally, I believe that the credit reporting agencies have shared my personal credit information without my consent.

The following unauthorized inquiries were made to my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> - Reporting Agency : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Reporting Agency : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> - Reporting Agency : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> - Reporting Agency : Experian I have not applied for credit with any of these companies, nor have I given them permission to access my credit report. I am concerned that my personal information has been shared without my consent, which is a violation of my rights under the Fair Credit Reporting Act.

I kindly request that your office investigate this matter and take appropriate action to ensure that my rights are protected. I would also appreciate any guidance on how to address and resolve this issue with the relevant credit reporting agencies.

Thank you for your attention to this matter. I look forward to your prompt response.

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 2024-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX fraudulently reported my student loan balance twice to credit bureaus, thereby doubling the balance on my credit report. My TransUnion credit confirms two duplicate reports from XXXX of {$360000.00}, for a total of {$720000.00}, with the only difference between the two reports being the reporting months. My total student loan balance should only be {$360000.00}. XXXXXXXX XXXX fraudulent double reporting of my student loan balance has substantially harmed my credit score and ability to qualify for a home mortgage by incorrectly altering 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 non-monetary relief
Consumer complaint received 2024-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
COMPANY PROMISE TO REMOVE FROM CREDIT REPORT BUT COLLECTION IS NOW BACK ON CREDIT REPORT AFTER IS HAS ALREDY HAS BEEN REMOVE THAT ALONE IS VIOLATION

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
cant get to cs they tx u automated said his name is XXXX he a csr, nothing when u tx bk your concern. never got anything on doing it on line, this nonsense on fees to mail statements needs to come to and end, they make enough on lates fees, XXXX  mailing is not XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: D2 Management LLC
State: NY

Complaint narrative:
A debt collection company called me about a debt that that's 10 years old and told them to never contact again. Since then they have sent 2 focusing emails to me to try and trick me to sign to an agreement to pay. I have called back about this and asked for it to stop and they stop no you need to click on the email. They have not sent any correspondence in the mail. Never once supplied an email they could have potentially sent to a wrong email and risked someone signing a focusing with my name on it. 
Company is D2 Management LLC

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My credit report says " XXXX & XXXX years of reporting ''. This is terribly wrong. I've had credit cards and loans for years and years. For goodness sakes, I am XXXX XXXX XXXX! 

My opiinion of all credit reports are that they are absolutely " fixed '' totally without researching for the correct information. Especially for late payments and medical debt. 

Consumers are out here trying to make a living in an honest way. Why can't they be honest and correct in reporting what is honestly, lives depending on 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 explanation
Consumer complaint received 2024-09-15 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:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, 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 1. XXXX XXXX XXXX {$650.00} 2. XXXX XXXX XXXX {$1000.00} 3. XXXX XXXX XXXXE {$670.00} 4. XXXX XXXX XXXXE {$890.00} 5. XXXX XXXX XXXX XXXX {$160.00} 6. XXXX XXXX {$300.00} 7. XXXXXXXX XXXX XXXXXXXX {$2100.00} 8. XXXX XXXX XXXX {$2300.00} 9. XXXX XXXX XXXX {$350.00} 10. XXXX XXXX XXXX {$970.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXXXXXX credit report maintained by you which shows the aforementioned fraudulent items. 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 # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-09-15 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:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, 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 1. XXXX XXXX XXXX {$650.00} 2. XXXX XXXX XXXX {$1000.00} 3. XXXX XXXX XXXX {$670.00} 4. XXXX XXXX XXXXE {$890.00} 5XXXX XXXX XXXX XXXX XXXX {$160.00} 6. XXXX XXXX {$300.00} 7. XXXXXXXX XXXX XXXXXXXX {$2100.00} 8. XXXX XXXX XXXX XXXX$2300.00} 9. XXXX XXXX XXXX {$350.00} 10. XXXX XXXX XXXX {$970.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. 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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-09-15 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: TX

Complaint narrative:
On XX/XX/year>, I was in my XXXX  during this time and when I came home, I just noticed a pending amount of {$1900.00} in my account. The transaction is under my Apple credit card Which is owned by Goldman Sachs And the purchase was made online via XXXX  XXXX  and the item that was purchased is also an XXXX XXXX. I notified the Credit Card right away as soon as I saw the unauthorized purchased. Few minutes later, the same card was used again for amount of {$100.00} but this time the transaction was cancelled since I already made a phone call. And on that same day, my phone got blown up with spam messages. I also called and ask XXXX to provide me the information regarding with the purchase since this was made via XXXX XXXX, I asked them if they can help me provide the location of where, what state and which store was the item picked up and all they said is that its beyond their capabilities and I have to provide them an order number which I cant provide because I didnt make this purchase. My Apple Card is link to a different email while the notification for the purchased was sent into my other email. I tried to dispute this for the fourth time but, seems like the credit card company is not doing anything to resolve this problem and at the end of the day, they always end up putting back the charges on my account and said that theres no error found, and I am responsible of paying this amount. I am beyond frustrated Over this, it Never happened to me before and I dont know what else to do aside from trying to tell the credit company that they have to do their part and investigate this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 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: MI

Complaint narrative:
XXXX XXXX placed on to my account that is not mine. I have been a victim of identity theft, I have contacted this company multiple times and they have yet to correct this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 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: MI

Complaint narrative:
XXXX XXXX placed on to my account that is not mine. I have been a victim of identity theft, I have contacted this company multiple times and they have yet to correct 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 explanation
Consumer complaint received 2024-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 6058 ( 16 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , remove information appearing on my consumer credit report that is the result of inaccurate personal information ( Name ) upon you receiving this complaint. This is fraudulent, inaccurate and false information ( Name ). This name has resulted in inaccurate personal information ( name ) appearing on my consumer XXXX  credit report. I have attached a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned information ( name ). I do not recognize the aforementioned information ( name ) as reported. The aforementioned information appearing on my consumer credit report maintained by you was not made, or initiated by 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 2024-09-15 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: FL

Complaint narrative:
I have disputed the following accounts 3 times with not response from the bureaus. Please assist in the investigation. 

XXXX XXXX XXXXXXXX : Validation has not been provided for this collection. Equifax reports it as 120 days late with 4 late payments. XXXX reports the collection as open. Please delete immediately. 

XXXX XXXX XXXX  XXXX : No validation has been provided for thhis account. Please delete immediately. 

XXXX XXXX XXXX XXXX XXXXXXXX : I have not recieved a dunning letter from this company. I have not been provided validation when requested. Validate this account or delete immediately. 

XXXX - XXXX : No late payments are reported for Equifax and XXXX. XXXX reports undocumented late payments. XXXX ha a XXXX high balance. Equifax has a XXXX limit. There are different dates of last activity and last payment. Please delete immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 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: IN

Complaint narrative:
I just recently looked at my credit report XXXX, XXXX. I saw some hard inquiries that did not have permissible purpose. I also attached evidence. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX due to violation of 15 U.S.C 1681 ( b ) has no permissible purpose to be on my 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 explanation
Consumer complaint received 2024-09-16 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: IN

Complaint narrative:
I just recently looked at my credit report XXXX, XXXX. I saw some hard inquiries that did not have permissible purpose. I also attached evidence. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX due to violation of 15 U.S.C 1681 ( b ) has no permissible purpose to be on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 6058 ( 16 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , 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 closed secured loan account opened at XXXX XXXX XXXX  XXXX on XX/XX/year> under the account number ( private ). This account have resulted in a fraudulent closed account appearing on my consumer FICO credit report. I have attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent item. I do not recognize the aforementioned account as reported. The aforementioned account appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( # private case number ) as proof from the US Federal Trade Commission that the aforementioned consumer credit account is the result of identity theft and fraud.

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 2024-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Subject : Complaint Regarding Non-Response to Credit Disputes Dear CFPB, I am writing to file a formal complaint against the credit bureaus for their failure to respond to my credit disputes in accordance with the Fair Credit Reporting Act ( FCRA ). I have submitted multiple disputes regarding inaccurate information on my credit report, but I have not received any response or resolution within the required timeframe. The details of my disputes are as follows : XXXX XXXX XXXX : XXXXVerify the accuracy of this dispute or delete this immediately. 
XXXX XXXX XXXXThis account was never late. This account is paid as Agreed. Remove late payment immediately. 
XXXX XXXX XXXXVerify the accuracy of this dispute or delete this immediately. 
XXXXVerify the accuracy of this dispute or delete this immediately. 
XXXX  XXXX Verify the accuracy of this dispute or delete this immediately. 

Despite my efforts to resolve these issues directly with the credit bureaus, I have not received any acknowledgment or corrective action. This lack of response is causing significant harm to my creditworthiness and financial well-being. 

I kindly request that the CFPB investigate this matter and take appropriate action to ensure that the credit bureaus comply with their legal obligations under the FCRA. Please provide me with updates on the status of my complaint and any actions taken. 

Thank you for your prompt attention to this matter. I look forward to your response.

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