vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX, XXXX **Consumer Financial Protection Bureau** XXXX XXXX XXXX XXXX XXXX IA XXXX **Subject : Dispute of Incorrect Late Payment Information on Credit Reports** Dear Consumer Financial Protection Bureau, I am writing to formally dispute the inaccurate information reported by XXXX and Experian on an XXXX/XXXX  account ( Account # XXXX XXXX ) that does not belong to me. 

Below are the specific details of the account as reported by each bureau : - *XXXX* - Account Type : Revolving - Account Status : Derogatory - Monthly Payment : {$0.00} - Date Opened : XX/XX/XXXX - Balance : {$0.00} - High Credit : {$770.00} - Credit Limit : {$500.00} - Past Due : {$0.00} - Payment Status : Collection/Chargeoff - Last Reported : XX/XX/XXXX - Comments : Charged off as bad debt ; Purchased by another lender ; Unpaid balance reported as a loss by the credit grantor ; Sold to : XXXX XXXX XXXX. 
- Date Last Active : XX/XX/XXXX - Date of Last Payment : XX/XX/XXXX - **Experian** - Account Type : Revolving - Account Status : Derogatory - Monthly Payment : {$0.00} - Date Opened : XX/XX/XXXX - Balance : {$0.00} - High Credit : {$0.00} - Credit Limit : {$500.00} - Past Due : {$0.00} - Payment Status : Collection/Chargeoff - Last Reported : XX/XX/XXXX - Comments : Purchased by another lender ; Unpaid balance reported as a loss by the credit grantor. 
- Date Last Active : XX/XX/XXXX - Date of Last Payment : XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have accurate information reported in my credit file. Section 611 of the FCRA ( 15 U.S.C. 1681i ) requires credit reporting agencies to correct or delete inaccurate, incomplete, or unverifiable information within 30 days of the dispute being filed. 

I have never opened or authorized this account. As such, the information reported is inaccurate and must be corrected or removed. 

I request that the CFPB investigate this matter and instruct XXXX and Experian to remove the incorrect account information from my credit reports. 

Thank you for your prompt attention to this matter. Please inform me once these corrections have been made. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Penn Credit Corporation
State: MA

Complaint narrative:
I called Penncredit.com about a debt they are claiming that I owe. The two women that I spoke to were extremely rude and tried to interrogate me as if that was their job they are far from an attorney. And even with an attorney there is limits. They try to tell me that I did not need to file an dispute that I either was going to pay or I was and obviously I'm not going to pay something and that I do not owe. She would not accept the fact that I would dispute it so I asked to talk to her supervisor or that I would hang up on her and call back she transferred me to someone that was surprisingly even more rude than she was and yet this woman calls herself a supervisor. She also tried to give me the third degree which she crossed the line as they're only supposed to legally tell me that there is a debt and if I want to dispute it or pay for it. Not give me the third degree I told her that I dispute it she wanted to know why which is also not up to her to ask she is just there too process the paperwork I told her that I wanted paperwork to show that I actually I went and she told me that she wasn't going to send it that I only was supposed to pay it or not pay it The letter states that there is an option to ask for a dispute on there or to dispute the amount

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several incorrect accounts. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that you will investigate these items for me to ensure accuracy. Here are the items I am asking you to verify as accurate : 1. XXXX Account Number : XXXX ACCOUNT BALANCE : $ XXXX  MONTHLY PAYMENT : {$2500.00} TERM : XXXX After your investigation is complete, please send me the results via mail. Thank you in advance.

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 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several incorrect accounts. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that you will investigate these items for me to ensure accuracy. Here are the items I am asking you to verify as accurate : XXXX. XXXX Account Number : XXXX ACCOUNT BALANCE : $ XXXX  MONTHLY PAYMENT : {$2500.00} TERM : XXXX After your investigation is complete, please send me the results via mail. Thank you in advance.

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 2024-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Public record information inaccurate
Company: Certegy Holdings, LLC
State: SC

Complaint narrative:
I attempted to make a purchase at the XXXX XXXX in XXXX, SC XXXX, on XX/XX/2024. 

The purchase was for {$9.00}, the company Certegy Payment Solutions , LLC, XXXX XXXX XXXX, XXXX, FL. XXXX my XXXX, XXXX. 

I contacted them that day and I requested their response in writing, I received their response today, all it is general information, I contacted them today by phone and received the same general information from them. 
I need to know why a check for {$9.00} was declined and I was made to be humiliated publicly by this company.

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 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX, XXXX **Consumer Financial Protection Bureau*XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX **Subject : Dispute of Incorrect Late Payment Information on Credit Reports** Dear Consumer Financial Protection Bureau, I am writing to formally dispute the inaccurate information reported by TransUnion and XXXX on an XXXX/XXXX  account ( Account # XXXX XXXX ) that does not belong to me. 

Below are the specific details of the account as reported by each bureau : - **TransUnion** - Account Type : Revolving - Account Status : Derogatory - Monthly Payment : {$0.00} - Date Opened : XX/XX/XXXX - Balance : {$0.00} - High Credit : {$770.00} - Credit Limit : {$500.00} - Past Due : {$0.00} - Payment Status : Collection/Chargeoff - Last Reported : XX/XX/XXXX - Comments : Charged off as bad debt ; Purchased by another lender ; Unpaid balance reported as a loss by the credit grantor ; Sold to : XXXX XXXX XXXX 
- Date Last Active : XX/XX/XXXX - Date of Last Payment : XX/XX/XXXX - **Experian** - Account Type : Revolving - Account Status : Derogatory - Monthly Payment : {$0.00} - Date Opened : XX/XX/XXXX - Balance : {$0.00} - High Credit : {$0.00} - Credit Limit : {$500.00} - Past Due : {$0.00} - Payment Status : Collection/Chargeoff - Last Reported : XX/XX/XXXX - Comments : Purchased by another lender ; Unpaid balance reported as a loss by the credit grantor. 
- Date Last Active : XX/XX/XXXX - Date of Last Payment : XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have accurate information reported in my credit file. Section 611 of the FCRA ( 15 U.S.C. 1681i ) requires credit reporting agencies to correct or delete inaccurate, incomplete, or unverifiable information within 30 days of the dispute being filed. 

I have never opened or authorized this account. As such, the information reported is inaccurate and must be corrected or removed. 

I request that the CFPB investigate this matter and instruct TransUnion and XXXX to remove the incorrect account information from my credit reports. 

Thank you for your prompt attention to this matter. Please inform me once these corrections have been made. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA 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 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Incorrect Name - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Upon reviewing my credit report, I've noticed discrepancies and inaccurate activities associated with the following accounts.

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 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Upon reviewing my credit report, I've noticed discrepancies and inaccurate activities associated with the following accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Recently, I was looking at a copy of my credit report and noticed several incorrect accounts. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars and interest every year. It is my understanding that you will investigate these items for me to ensure accuracy. Here are the items I am asking you to verify as accurate : Account name : XXXX XXXX Account number : XXXX Account balance : {$17000.00} Opening date : XX/XX/year> After your investigation is complete, please send me the results via email. Thanks in advance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to 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 2024-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to 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 non-monetary relief
Consumer complaint received 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I PULLED ANOTHER COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING PLACED BACK ON MY CREDIT REPORT AFTER BEING INVESTIGATED AND UNVERIFIED. THIS IS COMPLETELY ILLEGAL, AND IN VIOLATION OF 15 USC 1681I ( 2 ) A, I DID NOT RECEIVE ANY WRITTEN NOTIFICATION NOR WITHIN THE 5 BUSINESS DAYS TIME FRAME. I SENT EACH BUREAU A LETTER CERTIFIED MAIL TO ATTEMPT TO RESOLVE THE ISSUE WITH NO FORMAL RESPONSE. 

AS REPORTED BEFORE THIS ACCOUNTS ARE THE DIRECT RESULT OF IDENTITY THEFT AND REPORTING THESE TYPE OF ACCOUNTS TO MY CONSUMER PROFILE IS IN VIOLATION OF 15 USC 1681C-2 THE CREDIT REPORTING AGENCIES HAVE THE LEGAL OBLIGATION OF REPORTING MAXIMUM ACCURACY, WHICH IS GOVERNED BY 15 USC 1681E ( B ) AS REQUESTED PREVIOUSLY, I WOULD LIKE ALL INCORRECT NAMES AND ADDRESSES REMOVED FROM MY CONSUMER PROFILE TO PREVENT INACCURATE REPORTING AND THEFT ACCOUNTS.

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 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I PULLED ANOTHER COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING PLACED BACK ON MY CREDIT REPORT AFTER BEING INVESTIGATED AND UNVERIFIED. THIS IS COMPLETELY ILLEGAL, AND IN VIOLATION OF 15 USC 1681I ( 2 ) A, I DID NOT RECEIVE ANY WRITTEN NOTIFICATION NOR WITHIN THE 5 BUSINESS DAYS TIME FRAME. I SENT EACH BUREAU A LETTER CERTIFIED MAIL TO ATTEMPT TO RESOLVE THE ISSUE WITH NO FORMAL RESPONSE. 

AS REPORTED BEFORE THIS ACCOUNTS ARE THE DIRECT RESULT OF IDENTITY THEFT AND REPORTING THESE TYPE OF ACCOUNTS TO MY CONSUMER PROFILE IS IN VIOLATION OF 15 USC 1681C-2 THE CREDIT REPORTING AGENCIES HAVE THE LEGAL OBLIGATION OF REPORTING MAXIMUM ACCURACY, WHICH IS GOVERNED BY 15 USC 1681E ( B ) AS REQUESTED PREVIOUSLY, I WOULD LIKE ALL INCORRECT NAMES AND ADDRESSES REMOVED FROM MY CONSUMER PROFILE TO PREVENT INACCURATE REPORTING AND THEFT ACCOUNTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Halsted Financial Services, LLC.
State: PA

Complaint narrative:
Repeated calls and e-mails. Several times a day at various times of the day.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I submitted for a lease transfer on my XXXX account in XXXX  which I was told the fee of {$590.00} would need to be paid by having a check sent in with the paperwork. I had not even submitted the paperwork yet and they went and added the {$590.00} transfer fee on my account. I was struggling financially in XX/XX/2021 due to my Husband losing his job due to covid. I was paying as much as I can each time. I decided not to move forward with the transfer as we did not have the money to transfer the lease. They applied the payments I made towards XX/XX/2021 to the lease transfer fee after I confirmed on the phone with a representative that this would not happen. She stated the monthly payment is always the first priority. This was not the case. The took all of my payments in XX/XX/2021 and XX/XX/2021 and applied it to the {$590.00} charge. This left a balance of {$120.00} due towards the lease transfer fee. I called almost every day to try to get my account reallocated. Due to covid everyone was working at home and communication between team members was very poor! I was told everytime that it would be done with in a few days. No one ever followed up with me or called me back like they said they would. One lady I spoke with told me to keep sending in money and I refused due to the fact it would still be applied to the lease transfer fee that shouldve been removed. It took from XX/XX/2021 till XX/XX/2021 for them to reallocate my account and I was hit with a late payment for XX/XX/2021 and XX/XX/2021 because I did not have all of the extra money they wanted me to send in in addition to my monthly payments. I believe they even waived the late fee charges but will not remove the late credit reporting. This error couldve been fixed way before I got his with a late payment if I did not have the extra charge on my account where my monthly payment money was going. I have never had a late payment ever in my life and once my account was corrected every payment was made on time. There has to be a call log of me calling every day to try to get this resolved before it became an issue. Please help me out as this is hurting my credit. I am looking for some understanding as this something that ally should have fixed much sooner and I have to get blamed and take the fault for it. They never followed through on removing the lease transfer charge from my account or returning my many requests for phone calls. Thank you for your time! 

XXXX 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 non-monetary relief