vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-21 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: GA

Complaint narrative:
ACCORDING TO FCRA XXXX XXXX IT IS ILLEGAL TO REPORT INFORMATION ON MY CREDIT REPORT WITHOUT MY PERMISSION. PLEASE REMOVE THIS FROM MY CREDIT REPORT IMMEDIATELY. 
THANK YOU

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 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: GA

Complaint narrative:
MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX AND XXXX XXXX BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

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 2024-10-21 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: GA

Complaint narrative:
MY PERSONAL INFORMATION WAS INVOLVED IN BOTH EQUIFAX AND XXXX XXXX BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 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: NJ

Complaint narrative:
On XX/XX/XXXX, I mailed a formal dispute letter to TransUnion via XXXX certified mail ( tracking # XXXX XXXX XXXX XXXX XXXX XXXX ). In this letter, I disputed the following issues on my credit report : Negative accounts reporting with discrepancies and inaccurate information. 
Unauthorized inquiries that I did not approve. 
Incorrect addresses showing on my credit report. 
Despite including all necessary documentation to verify my identitysuch as a government-issued ID, Social Security XXXX XXXX and current proof of addressTransUnion failed to conduct a proper investigation as required by law. 
I received a response from TransUnion, dated XX/XX/XXXX. In the letter, they refused to conduct any investigation into the disputed items, unauthorized inquiries, or incorrect addresses. The response stated : " We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. '' According to the Fair Credit Reporting Act ( FCRA ), when a consumer disputes the accuracy or completeness of any item of information in their file, the credit bureau is required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. TransUnion failed to fulfill this legal obligation, despite me providing all necessary documentation to verify my identity.

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 2024-10-21 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: NE

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 2024-10-21 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: NE

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 2024-10-21 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: MD

Complaint narrative:
I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
THIRD REQUEST IN RESPONSE TO COMPLAINT XXXX - Dear PORTFOLIO RECOVERY ASSOCIATES, CREDIT CARD STATEMENTS ARE NOT PROOF OF DEBT OWNED. I am writing again in response to a recent letter from your office claiming that I owe {$21000.00} to Portfolio Recovery Associates, with reference number XXXX. I am disputing this debt and requesting validation based on the following facts, in accordance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Pursuant to the FDCPA, I would like the following provided : - The Name and Address of the Original and Current Creditor - The Purchase Agreement showing my Name and Signature The original Contract between myself and the creditor showing breach of contract including my signature Signed Agreement debtor has made with Debt Collector, or verifiable proof debtor has a Contractual obligation to pay debt collector -Verification of the Debt Amount that YOU are seeking to collect SHOWING that a CONTRACT exists create the amount that YOU CLAIM is OWED -All the assignments SHOWING the debt transfer from the ORIGINAL creditor to the CURRENT creditor- Please provide me with PROOF that the debt was SECURITIZED by the ORIGINAL creditor -Please show the ASSIGNMENTS of the debt from the ORIGINAL creditor to the SECURED TRUST and then back to the ORIGINAL creditor Was this Debt assigned to a debt collector or purchased? XXXX XXXX from XXXX collector XXXX XXXX was Purchased In the results of your investigation and subsequent reinvestigation, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? As of XX/XX/year> you have NOT provided me with a copy of ANY ORIGINAL documentation ( a consumer contract with my signature on it ) as required under SECTION XXXX ( A ) ( XXXX ) ( A ) & SECTION XXXX ( A ) ( XXXX ) ( A ). Furthermore, you have failed to provide the method of verification as required under SECTION XXXX ( A ) ( XXXX ). PLEASE BE ADVISED THAT UNDER SECTION XXXX ( XXXX ) ( A ) of FCRA, you are required to " PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED. '' The law is very clear as to the Civil liability and the remedy available to me ( SECTION XXXX & XXXX ) If you fail to comply with XXXX law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. XXXX and XXXX is blatantly lying about sending me requested documentation on or about semester XXXX. I have not received any information from XXXX and XXXX and was treated very poorly and rudely from their customer service reps via phone, who stated that they will not waste their time with me. Thank you for your immediate cooperation, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: MD

Complaint narrative:
I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.

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 2024-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: FL

Complaint narrative:
I have filed multiple disputes with current since XXXX. Current is quick to close any dispute without providing true evidence in relation to their denial. Both of my last disputes were with the same merchant XXXX and when the disputes were filed I provided a direct email from the merchant stating that while they were unable to process refunds current should go ahead and initiate chargebacks for the amounts. While the merchant agreed I did not initiate the purchases current refuses to initiate chargebacks. They fail to respond to any email in relation to these disputes, and fail to provide DOCUMENTATION as to why they have denied the disputes. Rather currents one response which took 2 weeks to receive was a generic outline with no documentation attached. Current fails to adhere to basic banking guidelines, fails to use customers evidence when conducting disputes, and fails to respond to customers in their own time allowed. Their emails state a response within 24 hours and this never happens. Their support claims a response in 5-7 days which also never happens. Id like current to actually do as the merchant has stated and initiate chargebacks on all charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 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: MO

Complaint narrative:
RE : XXXX  Block Request To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX  XXXX - XXXX - XX/XX/XXXX - {$120.00} XXXX - XXXX - XX/XX/XXXX - {$96.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.

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 2024-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BTH Management
State: VA

Complaint narrative:
The SSN number belongs to the SSA and anything purchase with that identifier number is a obligation of the United States 18 USC 8. means that anyone attempting to collect a debt from me is guilty of false claims act ( FCA ), 31 USC 3729.

25 CFR 11. 417

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: NY

Complaint narrative:
I am a victim of XXXX trafficking. The information listed below which appears on my credit report, is the result of that trafficking : I was incarcerated and then released and my case was dismissed due to my victimization. 

These accounts were illegally caused due to my status as a victim : Account Name/Balance Owed/Date Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-21 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: WI

Complaint narrative:
Method of verified ... .Invoking FCRA ss 611 ( 15 U.S.C. 1681 ) Which forces reinvestigation of the item in the initial C.F.P.B. complaint # XXXX. I'm requesting to verify the source of the information used in order to return a " verified '' response to the initial C.F.P.B. complaint filed at Trans Union. Please adjust the contested item in the initial complaint within ( 6 ) six business days. Silence is tacit acquiescence agreement. And i will be filing a complaint with the Attorney General and the OCC if this is not is not address within 6 business days.

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 2024-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ

Complaint narrative:
On or about XXXX of 2024, I started the process to refinance my home in order to pay off debt and have a locked rate. Due to health issues, my mortgage payment was late three months in a row. In order to continue with the refinance, I had to have these late credits removed from my credit report. 
I submitted a letter to SPS, Select Portfolio Servicing explaining the situation on why these payments were late and expressed that I am trying to refinance and if they would please reverse these on my credit report. 
On XX/XX/XXXX, I received notification that my credit score had increased. I notified the new servicer that I am working with and they confirmed that these negative credit reports had been reversed and we could proceed with the refinance. 
On XX/XX/year>, I spoke with XXXX XXXX on the phone to verify these inconsistencies. XXXX XXXX did have SPS, Select Portfolio Servicing on the phone as well to review these late payments that were reversed. 
SPS confirmed they had the letter I wrote on file and confirmed that is why they reversed the negative credit on my report. They confirmed these late charges were reversed. XXXX XXXX and SPS CONFIRMED these were reversed. 
Today, XX/XX/year>, I was notified that SPS, Select Portfolio Servicing, updated my credit report and added back the late payments on to my credit. Thus halting my refinance on my mortgage. My belief is that they either fraudulently updated my credit to show the negative, or they are trying to force my to stay in the balloon loan with them to prey on myself and my mortgage. It is my belief that this predatory behavior will cause financial harm to me. 
The company : SPS, Select Portfolio Servicing XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX ( They have multiple addresses )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: NC

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 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 2024-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC
State: PA

Complaint narrative:
I attended XXXX XXXX XXXX back in 2022. I only went for orientation and passed one class with a B+. There was a charge of {$1700.00} that was sent to collection in 2022. Recently with in the past week a company called Sequium Asset Solutions did something like a loan or bought my debt. Which in case caused my credit score to decrease by XXXX. I called the company to det up a payemt plan but was unable to provide me with a reasonable payment plan. It sounded more like a scam to me

Company response to consumer: Closed with non-monetary relief