vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-12 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 non-monetary relief
Consumer complaint received 2025-02-12 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:
XXXX has consistently reported fraudulent accounts to credit report. Request removal. Under the provisions of Section 15 U.S.C 6802 of the Fair Debt Collection Act ( FDCPA ). This states, a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. I request a comprehensive investigation into the following items as it reports as an error and possible fraudulent on 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 explanation
Consumer complaint received 2025-02-12 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: NC

Complaint narrative:
XXXX has consistently reported fraudulent accounts to credit report. Request removal. Under the provisions of Section 15 U.S.C 6802 of the Fair Debt Collection Act ( FDCPA ). This states, a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. I request a comprehensive investigation into the following items as it reports as an error and possible fraudulent on my credit report :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: NC

Complaint narrative:
XXXX has consistently reported fraudulent accounts to credit report. Request removal. Under the provisions of Section 15 U.S.C 6802 of the Fair Debt Collection Act ( FDCPA ). This states, a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. I request a comprehensive investigation into the following items as it reports as an error and possible fraudulent on 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 2025-02-12 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: NC

Complaint narrative:
I OBTAINED ANOTHER COPY OF MY CREDIT REPORT AFTER BEING ADVISED MY INFO HAS BEEN INVOLVED IN A DATA BREACH, I NOTICED MORE ACCOUNTS THAT I HAVE NO KNOWLEDGE OF HAS BEEN ADDED TO MY ACCOUNT. I CONTACTED THE CREDIT REPORTING AGENCIES BY PHONE AND CERTIFIED MAIL. I REQUESTED THAT THE ACCOUNT BE VERIFIED, AND THIS ACCOUNT IS UNVERIFIABLE BUT STILL BEING REPORTED TO MY CONSUMER PROFILE. 

I HAVE NO KNOWLEDGE OF THIS CREDITOR AND HAVE NOT GIVEN WRITTEN CONSENT FOR THIS TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681.

FURTHERMORE, REPORTING ACCOUNTS DUE TO IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2. 

REPORTING FRAUDULENT ACCOUNTS IS SEVERELY IMPACTING MY CREDIT AND THE CREDIT REPORTING AGENCIES HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY. REPORTING AN UNVERIFIED ACCOUNT IS IN VIOLATION OF 15 USC 1681 EB 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 2025-02-12 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: NC

Complaint narrative:
I OBTAINED ANOTHER COPY OF MY CREDIT REPORT AFTER BEING ADVISED MY INFO HAS BEEN INVOLVED IN A DATA BREACH, I NOTICED MORE ACCOUNTS THAT I HAVE NO KNOWLEDGE OF HAS BEEN ADDED TO MY ACCOUNT. I CONTACTED THE CREDIT REPORTING AGENCIES BY PHONE AND CERTIFIED MAIL. I REQUESTED THAT THE ACCOUNT BE VERIFIED, AND THIS ACCOUNT IS UNVERIFIABLE BUT STILL BEING REPORTED TO MY CONSUMER PROFILE. 

I HAVE NO KNOWLEDGE OF THIS CREDITOR AND HAVE NOT GIVEN WRITTEN CONSENT FOR THIS TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681.

FURTHERMORE, REPORTING ACCOUNTS DUE TO IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2. 

REPORTING FRAUDULENT ACCOUNTS IS SEVERELY IMPACTING MY CREDIT AND THE CREDIT REPORTING AGENCIES HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY. REPORTING AN UNVERIFIED ACCOUNT IS IN VIOLATION OF 15 USC 1681 EB 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 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I am writing to formally dispute the charge off account that was illegally reported on my credit report from the creditor.

Despite my previous requests, I have not received the following documentation : Proof of Debt Ownership : A copy of the original signed contract or agreement establishing the debt between your company and myself.

Documentation evidencing the transfer or assignment of the debt to your organization, if applicable.

Itemized Account Statement : A detailed statement outlining the original principal amount, all interest charges, fees, payments made, and the current outstanding balance.

Additionally, I understand that creditors must provide consumers with a warning and an opportunity to settle the debt by mail before reporting negative information. I request evidence of a minimum of 10 such contact attempts made by your company regarding this debt.

Compliance with Notification Requirements : Evidence that your company provided the requisite disclosures in accordance with the Truth in Lending Act ( TILA ), as outlined in 15 U.S.C. 1601 et seq.

Proof that your company issued the necessary notices prior to reporting any negative information to credit reporting agencies, as mandated by the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681s-2 ( a ) ( 7 ).

According to the FCRA, creditors are required to notify consumers either prior to or within 30 days after furnishing negative information to credit bureaus. I have not received any such notifications. Additionally, I understand that creditors must provide consumers with a warning and an opportunity to settle the debt by mail before reporting negative information. I have not been given this opportunity, nor have I received any contact attempts regarding this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am writing to formally dispute the charge off account that was illegally reported on my credit report from the creditor.

Despite my previous requests, I have not received the following documentation : Proof of Debt Ownership : A copy of the original signed contract or agreement establishing the debt between your company and myself.

Documentation evidencing the transfer or assignment of the debt to your organization, if applicable.

Itemized Account Statement : A detailed statement outlining the original principal amount, all interest charges, fees, payments made, and the current outstanding balance.

Additionally, I understand that creditors must provide consumers with a warning and an opportunity to settle the debt by mail before reporting negative information. I request evidence of a minimum of 10 such contact attempts made by your company regarding this debt.

Compliance with Notification Requirements : Evidence that your company provided the requisite disclosures in accordance with the Truth in Lending Act ( TILA ), as outlined in 15 U.S.C. 1601 et seq.

Proof that your company issued the necessary notices prior to reporting any negative information to credit reporting agencies, as mandated by the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681s-2 ( a ) ( 7 ).

According to the FCRA, creditors are required to notify consumers either prior to or within 30 days after furnishing negative information to credit bureaus. I have not received any such notifications. Additionally, I understand that creditors must provide consumers with a warning and an opportunity to settle the debt by mail before reporting negative information. I have not been given this opportunity, nor have I received any contact attempts regarding this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: DreamSpring
State: TX

Complaint narrative:
In XX/XX/XXXX, I obtained a loan from DreamSpring in the amount of {$32000.00} with an interest rate of 20.49 %. I was referred to this loan by a former mentor, whom I suspect had some affiliation with DreamSpring, though I can not confirm this. 

For over a year, I made payments on the loan as agreed. However, in XX/XX/XXXX, my mother was diagnosed with XXXX, and I had to leave my job the following year to serve as her XXXX XXXX Due to this unexpected financial hardship, I fell behind on my loan payments. 

In XX/XX/XXXX, the loan was sent to collections and has been handled by XXXX XXXX XXXX. Despite being in collections for over a year, interest has continued to accrue on the balance. In early XXXX, XXXX XXXX XXXX offered a settlement of {$24000.00}, but they would only allow it to be paid in three installments, which was not financially feasible for me. As a result, I was unable to accept the settlement. 

Now, due to the continued accrual of interest, my balance has risen to $ XXXXubstantially more than my original loan amount. I find this excessive and unfair, given that the loan has been in collections for an extended period. I am seeking a resolution that allows for a fair and manageable repayment plan or a reasonable settlement that does not continue to compound interest unfairly. 

I would appreciate the Consumer Financial Protection Bureaus assistance in reviewing this matter and facilitating a fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: FL

Complaint narrative:
This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XXXX XXXX XXXX XXXX XXXX  experian XXXXXXXX XXXX XXXX These credit accounts and hard inquiries are the results 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 explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAINE & WEINER COMPANY, INC.
State: MI

Complaint narrative:
Address and nameis incorrect and not me also canine and wiener was included in bankruptcy and its still reminds on credit report. I been asking for it to removed and updated for months now. The department of education has information that is not mines as well. My social security number is close to someone else who information on my credit report the name XXXX XXXX XXXX never lived on XXXX. Numerous of address that are not mines XXXX XXXX XXXX XXXX isnt mines as well. I had my identification stolen and they refused to removed items. I couldnt get approved for place and caused me to file bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Sterling Infosystems Inc.
State: SC

Complaint narrative:
I am writing to bring to your attention a pressing issue I have encountered concerning my background check that has led to significant challenges in my personal and professional life. 

On XX/XX/XXXX, I applied for a position in Human Resources and received a pre-adverse action notice from XXXX XXXX. During this process, I discovered that a level XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX  ) charge, which was expunged in XXXX, is still being reported on my record. 

Furthermore, I recently applied for an apartment at XXXX XXXX in XXXX, SC, and was informed via email that the same charge was cited in the decision to deny my application. The screening for this application was conducted by XXXX. 

I have attempted to reach out to the courts for clarification regarding this matter ; however, my inquiries have gone unanswered. This ongoing issue has caused me considerable distress and has adversely affected various aspects of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: NC

Complaint narrative:
I just set up an account with this company Chime on XX/XX/year>. The following day I had someone send me {$430.00} which was to go to a car payment. Not long after it went into my Chime checking account, money was taken out of my account in the amount of {$430.00} without my authorization. Now I can not make my payment and I have tried for three days straight to reach someone at Chime to resolve and help me retrieve my money back with no luck whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-02-12 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: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I have been having problems with the account on my credit false information and being stressed on collection that should have never been there in the first place things when asked to show me information I was denied These inaccuracies reflect negligence in maintaining accurate and fair credit reporting standards, as required under the Fair Credit Reporting Act ( FCRA ). I would please like these problems to be fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: KS

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-02-12 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXXXXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX Transunion XX/XX/XXXX I need you to attend the following shown items in this letter which contains data taken directly from my credit report which you have provided. 
Hard Inquiry Removal XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX ) XXXX Inquiry Date : XXXX XXXX, XXXX Delete this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C. 1681 ET SEQ. Section 604 of Fair Credit Reporting Act.

Once you have fulfilled my request, mail me an updated credit report reflecting these changes. 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation