vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-08 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: CA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED 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 2024-10-08 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: CA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED 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 non-monetary relief
Consumer complaint received 2024-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

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 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: CA

Complaint narrative:
Presence of those unauthorized accounts and enquiries made me feel very anxious about my financial health. The credit report needs to be accurate because it tell the world of lenders what we have done with our money management. I, therefore, ask that an immediate investigation and removal of the following inaccuracies and unauthorized accounts/inquiries be done immediately. 



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 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 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 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS
State: FL

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 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:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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 2024-10-08 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: TX

Complaint narrative:
Inquiries that are listed stems from identity theft and company refuses to delete the fraudulent activity from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-08 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: TX

Complaint narrative:
Inquiries that are listed stems from identity theft and company refuses to delete the fraudulent activity from 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 2024-10-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMCOL Systems, Inc.
State: OH

Complaint narrative:
On XX/XX/year>. I received a letter from XXXX XXXX XXXX XXXX directed to my son XXXX XXXX saying they were attempting to collect a debt on behalf of XXXX XXXX XXXX  for {$100.00}. However, the last statement I received back in XXXX did not show the amount due was going to be sent to a collection 's agency. My son is away in college, and I am the person who pays for all the medical bills and provides for his health insurance. He has no credit history because he just graduated from XXXX  XXXX. How in the world are these people trying to damage my son 's credit when he has not even started one? Why did no one reach out to me to let me know that was the next step? I have been paying this Medical Bills as they come from this provider and many others, but if I am not aware one particular bill is about to go to collections it is not fair or right to put it on an adolescent that has no idea how his parents pay their bills.

Company response to consumer: Untimely response
Consumer complaint received 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sentry Credit, Inc.
State: TX

Complaint narrative:
I have never in my live done business with sentry credit nor do they have any signed contract between myself and them to be reporting in any regards to me. They are fraudulently reporting on information sold to them fraudulently. Ive asked XXXX AND XXXX TO BOTH DELETE THIS 7 times and have disputed this. XXXX has already deleted this item. The other two creditors refuse to immediately DELETE FRAUDULENT ACCOUNTS AND ACTIVITY. I have no correlation to or with this company and have never done business with them. They are reporting on my credit in regards to a matter Im totally unaware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 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: Marlette Funding, LLC
State: TX

Complaint narrative:
Inquiries that are listed stems from identity theft and company refuses to delete the fraudulent activity from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Google Compare Credit Cards Inc.
State: TX

Complaint narrative:
Nothing happens with XXXX XXXX and Google cause there is not a way to get cash app and Google you can't talk to them XXXX XXXX XXXX XXXX and Google wallet was never given permission that l aware of to take part of my money. XXXX owed me well over XXXX dollars plus a some very small investment and possibly a small amount of XXXX too. I want all my money back under my social security number from XXXX .and XXXX XXXX. They shouldn't be allowed to just run rampage on people they are crooks bottom line. I think that they both are crooks of the highest order and frankly lam tired of jacking with them both.. My social security number is XXXX. The missing x= three in my social security number and l demand these two ( well these two to start with ) I'll put it like that cause I've got @ least 7 or 8 more l want complaints filed on but these two crooks l want first and far most. You can them them this is way IAM gon na deal with them from now on so here we go.

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 2024-10-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: IN

Complaint narrative:
I checked my XXXX credit monitoring and learned that I had a collection on my credit report for {$13000.00} from a XXXX XXXX XXXX being in collection by ID XXXX XXXX I called to tell them that this was wrong and identity theft and they yelled at me and mouth obscenities and hung up on me I called ( XXXX ) XXXX and their address is XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX, WA XXXX I want this removed from my credit report imemdiately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I WAS LOOKING TO RENT A VEHICLE ON XXXX AND CHECKED TO CHECKOUT PAYMENT WITH AFFRIM AND WHILE LOOKING AT THE PAYENT PLANT THE TRANSACTION ACCIDENTALLY GOT PURCHASED AND CANCELLATION POLICY WAS STATING CANCELLATION WITHIN 24 HOURS WILL NOT BE GRANTED NOR APPLIED. 

AFTER THE FACT THE PURCHASE IN THIS CASE A VEHICLE TO BE RENTED WAS NEVER INTEDED NOR USED AT ALL AND AFFIRM RELEASED THE MONEY TO XXXX XXXX XXXX DO NOT PROVIDE ANY POSITIVE FEEDBACK/REFUNDS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 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:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

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 2024-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I lost my phone a purchase was made of {$2000.00} cents to the XXXX XXXX XXXX XXXX XXXX Ive talked to the cashier manager I dont have a bill there Ive never attended school there they will give provide refund if bank sends charge back Bank of America will not they keep denying my claim

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 monetary relief
Consumer complaint received 2024-10-08 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: TX

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-10-08 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: FL

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP
State: NH

Complaint narrative:
On XX/XX/XXXX the debt collection agency ( " Law Firm '' ), " Kimball , Tirey & St. John LLP '' of XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX California XXXX provided a letter to us with intent to validate a supposed debt owed of {$480.00} after we had asked. The creditor to whom the debt was owed was XXXX XXXX - XXXX which is managed by XXXX XXXX. 

The debt being described is a resident disposition which includes an itemized list of ( see attached documents ) cleaning and repair. We had provided a forwarding address to our new residence, which we had remained in for the entire duration of a 1 year lease ( See attached move out document from XXXX XXXX  ). We had never received this correspondence from XXXX Apartments or XXXX XXXX which is outside the 21 days ( California Code, CIV 1950.5 ) until we were contacted by " Kimball , Tirey & St. John LLP '', which is around 2 years after we had provided the intent to vacate. " Kimball , Tirey & St. John LLP '' had stated that XXXX XXXX did not have a forwarding address for us which is incorrect ( See attached move out document ). Additionally, the itemized list is dated XX/XX/XXXX which is also outside of the 21 calendar day policy ( 22 days ) ( California Code, CIV 1950.5 ). 

According to the above this would make the itemized list with the amount of {$480.00} without enough information to validate the debt, and a violation of California Civil Code which makes the debt invalid. Without providing enough proof or validation that despite the above facts, we owe the debt, " Kimball , Tirey & St. John LLP '' still reported this debt to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: RoundPoint Mortgage Servicing LLC
State: MA

Complaint narrative:
On XXXX I was informed by my mortgage company that my mortgage was transferred to Roundpoint Mortgage Servicing. On XXXX I still hadn't heard from Roundpoint ( and my payment is typically on the XXXX of the month ) so I called Roundpoint and spoke with XXXX. She told me that my account would be ready on XXXX, and that I should make a payment online before XX/XX/year> or else I would be charged late fees. 

On XXXX I set up my online account, logged in, and the account showed my payment due date as XXXX. I did as XXXX said and made the payment for {$2200.00}. I received a confirmation email. On XXXX I noticed XXXX transactions for {$2200.00} taken from my checking account. I was charged twice when I only made XXXX payment. I called Roundpoint and spoke to XXXX XXXX, who admitted that this was a mistake by Roundpoint, but that I needed to contact my bank ( XXXX ) and dispute the charge because " even if he could submit a refund '' it would take XXXX weeks and needed to come by mail. They " don't do '' electronic refunds. They had an incorrect phone number and mailing address on file, which I only discovered as I asked them to confirm where a check would be sent. 

I called XXXX on XXXX and spoke with XXXX. She said this was not uncommon. I initiated a claim, but she says it could take up to XXXX business days to return the money as well, and I would need to fill out additional paperwork. She did provide options for temporary credit. XXXX was very professional about the situation. 

My checking account is now {$2200.00} less than it should be, which will affect my ability to pay bills. And I may not have my own money returned to me until after XXXX, when my next mortgage payment is due.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 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:
I am submitting this complaint regarding two student loans listed on my credit report under the U.S. Department of Education ( U.S. Dept of EDXXXX XXXX XXXX which do not belong to me. These loans, identified with the following balances, were previously disputed and removed from my credit report, but they have reappeared : Loan 1 : Balance of {$2200.00} ( reported on XXXX ). 
Loan XXXX : Balance of {$1500.00} ( reported on XXXX ). 
Loan : Balance of {$2200.00} ( reported on TransUnion ). 
I have no knowledge of these loans and have never taken out student loans with the U.S. Department of Education. I attempted to contact the credit bureaus and loan servicer by mail to dispute these items again, but my letters were returned as undeliverable. These loans are not only inaccurate but are also severely damaging my credit score and limiting my ability to obtain credit.

Actions Taken : I successfully disputed these loans in the past, and they were removed from my credit reports. 
Despite being removed, these loans have reappeared on my XXXX and TransUnion credit reports, causing further harm to my credit. 
I attempted to send dispute letters to both XXXX and TransUnion, but my correspondence was returned as undeliverable.

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