vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-10 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: FL

Complaint narrative:
My name is XXXX XXXX XXXX and Social Security Number : XXXX, and Date of XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXXXXXX XXXX XXXX ) that you shall block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Unauthorized Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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 XXXX  XXXX and 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 explanation
Consumer complaint received 2025-01-10 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: SD

Complaint narrative:
I notified Transunion of a fraudulent file in my credit report, this was filed on XX/XX/XXXX and I was notified that this dispute was denied, I contacted the company in question to request supporting documents and they were unable to provide these to me. I was only recently made aware of the fraud that is what caused me to file a dispute, the original creditor was XXXX XXXX XXXX. I also contacted XXXX directly to request supporting documentation and proof of my signature on any loan applications or documents but they were also not able to provide these to me. I am asking that this account be removed in its entirety from my credit profile.

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 2025-01-10 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: SC

Complaint narrative:
I discovered multiple inaccuracies on my credit report and took immediate action by formally disputing them with Equifax. I identified several accounts that were inaccurately marked as late payments, including XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, and others, which should be updated to " paid as agreed, never late, '' as mandated by 15 U.S.C. 1681a ( XXXX ) ( i ) of the Fair Credit Reporting Act ( FCRA ). Additionally, I raised concerns about accounts listed under XXXX XXXX, XXXX XXXX, XXXX XXXX, and others, where I demanded proper debt validation under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ). 

Furthermore, I disputed unauthorized hard inquiries from XXXX and XXXX, citing 15 U.S.C. 1681b ( a ) ( XXXX ), which prohibits inquiries without permissible purpose. I demanded these inquiries be deleted. 

Under 15 U.S.C. 1681i, I emphasized XXXX legal obligation to investigate and correct these inaccuracies within XXXX  days. I also referenced key legal precedents, such as XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX, highlighting the importance of conducting a thorough and reasonable investigation rather than relying on superficial checks. 

I made it clear that failure to resolve these issues promptly would result in escalating the matter to regulatory authorities or pursuing legal remedies under 15 U.S.C. 1681n and 1681o for willful or negligent non-compliance. I requested confirmation of the corrections and an updated credit report reflecting the changes. 

This dispute is critical to ensuring the accuracy of my credit report and protecting my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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: PA

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 ) ( XXXX ) ( 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/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to TransUnion for the XXXX  time so that these questions can be removed, hoping that this time this problem will be completely resolved.

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 2025-01-11 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: FL

Complaint narrative:
Im writing because the inaccuracies on my report are not only frustrating but also damaging. My score has been negatively affected, and its closing doors for me. I shouldnt have to keep correcting information that shouldnt be there in the XXXX  place.

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 2025-01-11 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: Kikoff Inc.
State: WV

Complaint narrative:
i received a copy of my credit report and realized this company is reporting fraudulent inaccurate information on my credit report. i have requested that they provide the agreement where i signed for this to report on the behalf of my credit, and to verify that this late payment is accurate i am asking for full validation of this debt that this debt belongs too me, i have read about the fair credit reporting act where by law, that i have the right to challenge anything innacucurate, i ask that they send the aggreement to show full ownwership to see if this account belongs too me. i ask for deletion of these inquiries from my report asap please XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 XXXX : XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax needs to correct the inaccuracies on my credit report to ensure that only accurate and verified information is reported. The name " XXXX XXXX XXXX '' should be removed, as it is an incorrect variation. My correct name is " XXXX XXXX XXXX. '' Furthermore, the address listed as " XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX '' is incorrect. The accurate address is " XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, '' which properly reflects the floor unit. The report also incorrectly states that I am self-employed. My correct and current employer is " XXXX XXXX XXXX '' These inaccuracies violate the requirement for maximum possible accuracy under 15 USC 1681e ( b ), which mandates that only correct and authorized information be reported. Failure to remove these details may result in willful noncompliance under 15 USC 1681n, allowing for damages up to {$1000.00} per violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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:
I checked my credit profile and came across quite a few inquiries that are not mine.

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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This company did an automatic payment that failed XXXX. I seen the declined payment XXXX and paid the balance in full. Then on XXXX i get XXXX  day late notifications from credit bureaus and it dropped my score over XXXX points. This company don't have a contact number only email address

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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This company did an automatic payment that failed XXXX. I seen the declined payment XXXX and paid the balance in full. Then on XXXX i get XXXX  day late notifications from credit bureaus and it dropped my score over XXXX points. This company don't have a contact number only email address

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This company did an automatic payment that failed XXXX. I seen the declined payment XXXX and paid the balance in full. Then on XXXX i get 30 day late notifications from credit bureaus and it dropped my score over XXXX points. This company don't have a contact number only email address

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 2025-01-10 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: Early Warning Services, LLC
State: MA

Complaint narrative:
Name : XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Consumer ID : XXXX SSN : XXXX ID type : Drivers License from MA ID # : XXXX Address : XXXX XXXX XXXX, XXXX XXXX  XXXX MA XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX I am requesting to conduct an investigation on the following information that is reported on my Consumer Report, I have NEVER used or opened the following account Bank : XXXX XXXX XXXX Routing # : XXXX Account # : XXXX Incident Date : XX/XX/XXXX I dont recognize this account in question and am a victim of identity theft. I am requesting that this information be deleted from my Early Warnings Report immediately! Ive attached a copy of the report to this request. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
This is an extension of COMPLAINT ID XXXX I have not received direct communication from the company regarding the resolution or steps taken to address this matter comprehensively. I am writing to express my ongoing concern regarding the unresolved issue related to the erroneous withdrawal of {$5100.00} from my account and the resulting negative impact on my credit score.

Specific Requests to Newrez ( Shell Point ) : 1. Refund the amount of {$5100.00} : This amount was erroneously debited from my account 2. Evidence of credit repair : Provide formal documentation proving that my credit record has been corrected to reflect its prior state before the error occurred. My credit score was adversely impacted due to this error, and I need confirmation of the correction made to the credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I reached out to the company regarding the account and options to cancel the timeshare. They sent back this letter to my lawyer with my CORRECT BALANCE of how much I have left on this loan. The loan balance on this letter from the company is NOT the same amount being reported in my credit report which is makes this false information and it is negatively impacting my credit utilization ratio.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-01-10 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: CA

Complaint narrative:
Its really frustrating to know my credit score has been suffering because of accounts that arent even mine. Its been weighing on me for a while, and I cant help but wonder what opportunities Ive missed because of it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: AL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a lette4r from an advocacy group helping me due to XXXX XXXX XXXX  XXXX, which falls under XXXX  according to XXXX-Debt Final Rule1002.142 ( bx7 ). I kindly request that you block this information from my credit report within four business days. Pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX  XXXXXXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Equifax. Please delete the following accounts. XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Pro Collect is on my credit report. I don't know who they are and what they are trying to collect. They have NEVER mailed me a letter. No information is being provided by this agency.

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 2025-01-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Service International Corp
State: FL

Complaint narrative:
Medical Debt was closed but still reporting on my report. Try disputing a few time to remove off my credit report but they only update and renew it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
TransUnion reported information about a dismissed bankruptcy on my credit report which reads {$0.00} and I asked them where they got this wrongful information from? They said the court house provided them the information, but the court house stated they never shared any information with any credit report agencies. They also mentioned that they do not ever report to the credit bureaus. It has been on my credit report since XX/XX/2022 TransUnion has failed to provide adequate information on how these items were verified, which I believe violates my rights under the Fair Credit Reporting Act ( FCRA ).

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 2025-01-10 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:
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 explanation
Consumer complaint received 2025-01-11 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:
Every time I think about my credit score, it feels unfair knowing its lower because of accounts I had nothing to do with. The damage has already been done, and I just want my report to be right so I can move forward.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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.

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation