vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-26 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: AZ

Complaint narrative:
Ive been trying to reach out to the proper channels regarding the inaccuracies off my credit report, but to no avail and Ive had enough. It brought tremendous frustration and sleepless nights, worrying if Ill survive tomorrow just because of my credit score being unfairly affected due to these errors on my credit report hindering me from getting my credit applications approved.

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 2024-12-26 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: MI

Complaint narrative:
Consumer name : XXXX XXXX, XXXX, XXXX This CFBP complaint has been filled to request pursuant to FCRA 605b ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of you receiving this complain. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, credit account opened at XXXXXXXX XXXX  on XX/XX/XXXX under the account number XXXX, credit account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX. Also Auto loan accounts opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX and XXXX XXXX XXXX XXXX opened XX/XX/XXXX under account number XXXX and XXXX XXXX XXXX Credit Bureau opened on XXXX XXXX XXXX under acount number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent accounts appearing on my consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, chargeoffs and hard inquiries as reported. Th aforementioned accounts and hard inquiries appearing on my consumer credit report maintained by you were opened, made, or initiated by me. All the aforementioned accounts, charge-offs and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) and ( XXXX ) 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. My data was exposed in the XXXX data breach and the XXXX data breach, as a result the aforementioned accounts have been opened and accessed without my permission which has negatively affected my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 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: MI

Complaint narrative:
Consumer name : XXXX XXXX, XXXX, XXXX This CFBP complaint has been filled 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 four business days of you receiving this complain. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, credit account opened at XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX, credit account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. Also Auto loan accounts opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX and XXXX XXXX XXXX XXXX opened XX/XX/XXXX under account number XXXX and XXXX XXXX XXXX XXXX  XXXX  opened on XXXX XXXX XXXX under acount number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent accounts appearing on my consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, chargeoffs and hard inquiries as reported. Th aforementioned accounts and hard inquiries appearing on my consumer credit report maintained by you were opened, made, or initiated by me. All the aforementioned accounts, charge-offs and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) and ( XXXX ) 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. My data was exposed in the Equifax data breach and the XXXX data breach, as a result the aforementioned accounts have been opened and accessed without my permission which has negatively affected my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 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: MI

Complaint narrative:
Consumer name : XXXX XXXX, XXXX, XXXX This CFBP complaint has been filled 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 four business days of you receiving this complain. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  XXXX on XX/XX/XXXX under the account number XXXX, credit account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, credit account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX. Also Auto loan accounts opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX and XXXX XXXX XXXX XXXX opened XX/XX/XXXX under account number XXXX and XXXX XXXX XXXX XXXX  XXXX  opened on XXXX XXXX XXXX under acount number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent accounts appearing on my consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, chargeoffs and hard inquiries as reported. Th aforementioned accounts and hard inquiries appearing on my consumer credit report maintained by you were opened, made, or initiated by me. All the aforementioned accounts, charge-offs and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) and ( XXXX ) 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. My data was exposed in the XXXX data breach and the XXXX data breach, as a result the aforementioned accounts have been opened and accessed without my permission which has negatively affected 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 2024-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
An unauthorized collection entry has appeared on my credit file without prior notification, raising serious concerns about the debt 's accuracy. Under the Fair Debt Collection Practices Act, I formally demand complete validation of this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: CA

Complaint narrative:
" 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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX Bank account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2024-12-26 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: TN

Complaint narrative:
PLEASE BLOCKED AND REMOVED I did not open these accounts and believe them to be fraudulent. I request a thorough investigation and removal from my credit report. Supporting documents are attached.

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 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
I called Exeter Finance LLC regarding their reporting. They stated the account was charged off in XX/XX/XXXX. I surrendered the vehicle in XX/XX/XXXX. XXXX XXXX XXXX in XXXX GA ( XXXX ) XXXX contacted them via phone and certified mail on 3 occasions as well asking them to recover the vehicle. They refused and charged the account off in their system in XXXX of XXXX. They are reporting the account as open and active ( and also the wrong last payment date ) as of XX/XX/XXXX and have reported over 30 months of late payments on this charged off account. They sent me a letter requesting I settle the balance they recorded as XXXX for XXXX. I requested that they update the account to reflect the charge off and remove any in accurate reporting including the 30 payments reported late during the charge off status. They refused. They said they would report the account as settled and that's it. They advised me to dispute the reporting with the credit agency. I have this correspondence recorded and can attach if needed. They are well aware that the reporting is incorrect along with the balance owed and refuse to assist or take responsibility. 
Exeter Finance ( XXXX ) XXXX acct # XXXX VIN : XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: AZ

Complaint narrative:
" Several accounts on my credit report have been resolved or closed, but they continue to appear as open or delinquent. The credit bureaus have not updated the status of these accounts despite my efforts to report the accurate information. I am requesting CFPB intervention to ensure these resolved accounts are removed 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 non-monetary relief
Consumer complaint received 2024-12-26 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: AZ

Complaint narrative:
" Several accounts on my credit report have been resolved or closed, but they continue to appear as open or delinquent. The credit bureaus have not updated the status of these accounts despite my efforts to report the accurate information. I am requesting CFPB intervention to ensure these resolved accounts are removed 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 non-monetary relief
Consumer complaint received 2024-12-26 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: IL

Complaint narrative:
Fair and accurate credit reporting is essential to the financial system, according to the Fair Credit Reporting Act ( 15 U.S. Code 1681 ). The effectiveness of the banking system is directly hampered by inaccurate credit reports, and unjust credit reporting practices erode public trust, which is necessary for the banking system to continue operating.

Therefore, the effectiveness of the banking system is hampered anytime there is a breach of the FCRA. Since I was never late, this is against TILA US Code 1666B. 

I discovered an inaccurate late payment record on my XXXXXXXX XXXX account [ XXXX ] when I just looked over my consumer report. I have consistently made my account payments on schedule.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 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: TX

Complaint narrative:
Fraudulent and unauthorized information persists on my consumer report despite multiple resolution attempts. These inaccurate entries, which I never authorized or consented to, have caused significant stress and XXXX as a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 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: TX

Complaint narrative:
Fraudulent and unauthorized information persists on my consumer report despite multiple resolution attempts. These inaccurate entries, which I never authorized or consented to, have caused significant stress and anxiety as a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: CA

Complaint narrative:
" 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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

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 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am trying to find out my credit report and score for XXXX and Equifax but I cant seem to get a report generated

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: AZ

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion 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 non-monetary relief
Consumer complaint received 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have reached out to Experian credit bureau several times about them have the wrong address on file ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX ). The correct address should be XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX however the keep refusing to update it and take off XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX when it should be XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX

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 2024-12-26 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: CA

Complaint narrative:
I am filing a complaint to address misreported information that has been mixed into my credit report. There are accounts appearing on my report that do not belong to me and are likely linked to someone elses profile. This inaccurate reporting is causing harm to my credit standing and raises serious concerns with my ongoing issue of fraud and identity theft. This situation violates my rights as a consumer and negatively impacts my financial reputation. Please prioritize this matter to ensure my credit report is accurate and reflects only legitimate information associated with 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 2024-12-26 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: W&A Intermediate Co., LLC
State: TN

Complaint narrative:
First time I was called on XX/XX/year>, the lady would not take a minimum payment that I could afford. There was not any mention of " interest '' to be paid. I told her I would call back and speak with someone else, because I know they can setup a lower payment than what she would take. I called XX/XX/year> and spoke with XXXX XXXX and he kept trying to tell me that there is interest and that he could get the interest taken off. I tried to tell him there is no interest on medical bills. He insisted there are. This bill came straight from the medical provider. I had him set me up in an agreement and that it would not include interest. I did mention FDCPA and that he really needs to make sure that he is giving true information. I asked that a letter be sent to me, because I have not received a letter from XXXX regarding this debt. I know it is a true debt because I was having a hard time making payments.

Company response to consumer: Closed with explanation