vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-03 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: NC

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an that I in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments, I've attached a copy of my report to this complaint. Im now requesting you investigate this account and update these payments to paid on time thank you for your understanding and prompt 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 explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-01-03 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: IL

Complaint narrative:
On XX/XX/year> I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to Transunion Intermediate Holdings, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an accounts for XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX This has cause me great XXXX, stress, and financial hardship.

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 2025-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First National Collection Bureau, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX XXXX Phone XXXX XX/XX/year> First National Collection Center XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Nv XXXX Phone XXXX Subject : Dispute of Debt Collection Account Dear XXXX XXXX XXXX, I am writing to formally dispute the validity of the debt that has been referred to your agency for collection. The account number in question is [ XXXX ], and I believe that this debt is inaccurate for the following reasons : I do not owe this debt, the amount is incorrect, I never signed a contract for this, In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide verification of the debt, including the following information : 1. The name of the original creditor 2. A copy of the original agreement or contract that created the debt 3. An itemized statement showing the amount owed and any fees or charges applied 4. Any other documentation that substantiates the debt Until this information is provided and the debt is verified, I respectfully request that all collection efforts be halted and that this account be marked as disputed on my credit report. 

Please respond in writing within 30 days as required by law. If you do not provide the necessary documentation or fail to resolve this matter, I will consider pursuing my rights through the appropriate legal channels. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Respectfully, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: W&A Intermediate Co., LLC
State: TX

Complaint narrative:
I reached out and tried having these incorrect debts removed several times. I never received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: IL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Had problem logging into Experian to unfreeze credit. Called XXXX ( a number I had saved when I froze my credit ) and was told by XXXX XXXX Id have to write to all 3 bureaus and itd take 2-3 weeks to unfreeze my credit. Alternatively I could pay {$360.00} for a program, better than XXXX, to have it done right away. He sent me a text from XXXX to click XXXX XXXX XXXX  and someone would call back. I dont click links. 

Heres the full text : XXXX, nice speaking with you.Here is the link for your lifetime plan : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reply STOP to opt-out. 

This company was not Experian. I went back to site and was able to reset account credentials to proceed. No il concerned I exposed my data to a fraudster.

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 2025-01-03 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: IN

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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: CO

Complaint narrative:
Equifax is continuing to report an account on my credit report that is due to identity theft and fraud. The FTC and bank has investigated and confirmed that it is fraudulent and the account doesn't belong to me. It should be removed. This is for the XXXX  XXXX XXXX credit account ending in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
One day I have gotten a call which my phone had said it was Navy federal itself. The person itself had said have I ever had unwanted payments on my account and listed some payments that later on I realized it was fake, but at the time I said yeah. He said to give him the credit card number and I did.

The fraud caller said there were and I needed to transfer the money to " Navy Federal '' so they can give it back to me with the " extra '' money in a day. I transfer all of the money in my savings to my checking 's ( XX/XX/XXXX ), then transferred the money to a XXXX to a XXXX that said Navy Federal with a verified check too. Sending the money to that address like that had failed and the fraud caller instructed me to put it into bitcoin and send it to " Navy Federal. '' I sent the combined money of my savings and checkings of {$3400.00} ( XX/XX/XXXX ). I had a bit more money in my account afters an amount of {$520.00} which the fraqud caller called me two days later ( XX/XX/XXXX ) and made me send the money by XXXX  on XXXX  too. The fraud caller said the money will come back to me in a day or two. Which of course never did The number which he had called and texted me from had been deleted with me having almost no money in my account afterwards The first fraud claim was for the {$520.00} which I had gotten credit back but not long after Navy Federal took it away saying there was no fraud involvement even after showing the screenshots of the caller, and the XXXX. I also sent a fraud claim to Navy Federal for XXXX but they had denied it saying there was no fraud involvement. I had sent an appeal but it was denied without them sending me email, I was waiting for months until I called not long ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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:
Consumer Name : Equifax, XXXX, XXXX. XXXX Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX ( XXXX ) under the account number XXXX, a XXXX XXXX under the account number XXXX -- -. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: IL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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: FL

Complaint narrative:
I am filing this CFPB complaint pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that TransUnion block fraudulent information on my credit report within 4 business days of receiving this complaint. The fraudulent items include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Additionally, there are fraudulent hard inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts and inquiries were not authorized by me and are the result of identity theft and fraud. I have attached my FTC Identity Theft Report ( # XXXX ) as proof that all the aforementioned accounts, collections, and inquiries are fraudulent. I request these items be blocked from my credit report as per my rights under FCRA and FDCPA.

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 2025-01-03 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: MT

Complaint narrative:
I have told both XXXX and TranUnion that the XXXX account is not mine. XXXX tried and began changing all the information on it to match mine via phone and I hung up on them. XXXX did not care it was wrong on my credit nor did they care it was fraud. They insisted i filed paperwork with them but as they changed the account without my consent to try and blame me I do not trust this company. That was a year or so ago. I see it is still on my TransUnion file. I have told TransUnion repeatedly this is not my account. I also told them what XXXX did. Can you please have this account deleted. IT is not mine and both companies do not care.

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 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
XX/XX/2025 and XX/XX/XXXX  My extended fraud alert is missing my phone number. It wont allow me to update online using my account. I can not proceed with a specific credit application without my phone number showing on the alert. AI phone system refuses to route me to a person to resolve. Called multiple times. Uploaded information XX/XX/XXXX  but the only option is to remove the alert - not to make an update or correction to the alert. Called all the numbers I could find, same result. AI chat, same result as AI Phone. I can not get the service I need because the system doesnt give the option, can not submit online self-service, can not get a live agent on the phone. Extremely frustrated, blocking me from getting the help I need this weekend because of elimination of human being, critical thinking support. This is a credit bureau and to not provide a way to resolve something related to a fraud alert with a human being using the contact information and instructions they provide is unacceptable and scary.

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 2025-01-03 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: OH

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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 2025-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am a 100 % XXXX veteran, proof attached as a benefit letter from the VA, and I recently discovered that there are accounts on my credit report that have been sent to collections. Due to my XXXX, I am unable to afford payments on these accounts. I have made attempts to address this issue but have been unsuccessful in finding a resolution that fits my financial situation. As a XXXX veteran, I believe there XXXX be options for assistance or forgiveness, and I am seeking help to resolve this matter. On XXXX XXXX XXXX I discovered that Midland Credit Management had reported an outstanding balance of {$840.00} to collections. This is a new discovery.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: CA

Complaint narrative:
I am writing to seek your assistance regarding a debt associated with XXXX XXXX XXXX that I firmly state this does not belong to me. This is an XXXX company based in XXXX, and I want to clarify that I have never lived in XXXX or had any dealings with this company. I reside in XXXX. 

Despite reaching out to TRUE ACCORD on multiple occasions, including today, XX/XX/year>, I have not received any satisfactory solutions to this matter. I have requested cessation of all activities related to this debt, as it is adversely affecting my credit score. 

Additionally, I have not been provided with any documentation or proof regarding how this account was opened in my name. It is crucial for me to resolve this issue promptly to mitigate further damage to my credit reputation.

Company response to consumer: Closed with explanation