vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-28 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:
Subject : Dispute of Charge-Off on Credit Report under XXXX XXXX XXXX Dear XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX am writing to dispute the accuracy of a charge-off that appears on my credit report. This dispute is made under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e, which mandates that credit reporting agencies maintain accurate and complete records. 

The specific item I am disputing is : XXXX XXXX XXXX XXXX XXXX XXXX aka XXXX [ Account # XXXX ] I believe this charge-off is incorrect for the following reasons : High Credit reporting {$450.00} by TransUnion, {$0.00} by XXXX, XXXX {$300.00} by XXXX. INACCURATE. Date last reported XX/XX/XXXX by TransUnion, XX/XX/XXXX by XXXX, XX/XX/XXXX by XXXX. Payment History Reporting ok on XXXX ONLY ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion & XXXX reports Date of Last XXXX XX/XX/XXXX XXXX XXXX reports XX/XX/XXXX. VIOLATION! & INACCURATE Comments reported by your agency ( XXXX ) states by TransUnion, Payment after charge off/collection..Dispute resolved, XXXX reports Dispute resolved due XXXX, Unpaid balance reported as a loss ( Debt Cancellation ), & XXXX reports, Paid charge XXXX. Accounts closed. Date Last Active, TransUnion reports XX/XX/XXXX, XXXX reports XX/XX/XXXX, & XXXX reports XX/XX/XXXX. Violating my consumer rights! INACCURATE. XXXX XXXX reports {$300.00} by TransUnion XXXX XXXX, & {$0.00} by XXXX. Account XXXX shows PAID reported by TransUnion XXXX XXXX yet XXXX reports Derogatory!! Date Opened reported by TransUnion is XX/XX/XXXX yet XXXX XXXX XXXX reports XX/XX/XXXX. Clearly there are many inaccuracies violating the FCRA XXXX XXXX XXXX that credit bureaus are to maintain XXXX XXXX accurate & complete records. ( SEE ATTACHED my consumer report from XX/XX/XXXX. ) In accordance with XXXX XXXX XXXX, I request that you re-investigate this matter and correct or REMOVE the inaccurate information. Additionally, under XXXX XXXX XXXX ( b ), you are required to follow reasonable procedures to ensure the maximum possible accuracy of the information reported. 

Please conduct a thorough investigation and provide me with a written statement detailing the results of your investigation, as well as an updated copy of my credit report reflecting the corrected information or DELETE this alleged debt from my consumer 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 2024-07-28 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: GA

Complaint narrative:
SS : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Urgent Request for Removal of Incorrect Information from Credit Report To Whom It May Concern, I am writing to formally dispute several inaccuracies in my credit report and request the immediate removal of incorrect information. Upon thorough review, I have identified multiple discrepancies, including erroneous names and addresses that do not pertain to me. 

Incorrect Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX As a past victim of identity theft, I am particularly vigilant about maintaining the accuracy of my credit profile. These inaccuracies not only misrepresent my personal information but also pose a serious risk to my financial standing and creditworthiness. I affirm that the names and addresses listed above are not associated with me. My correct name is XXXX XXXX XXXX XXXX, and my current address is XXXX XXXX XXXX, XXXX, GA XXXX. 

To ensure the integrity of my credit profile, I request that XXXX conduct an expedited investigation and remove the incorrect names and addresses from my credit report. These errors are compromising my credit profile and could potentially lead to further issues if not addressed promptly. 

Enclosed with this letter are copies of the following documents to verify my identity and current address : Government-issued ID Recent utility bill Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute and correct any inaccuracies in my credit report. I expect XXXX to address these discrepancies with the urgency they warrant and to confirm in writing once the corrections have been made. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. Please confirm receipt of this dispute and the steps being taken to rectify these errors. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX XXXX Enclosures : Copy of government-issued ID Copy of recent utility bill

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 2024-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
CFPB, I have XXXX hard inquiry 's on my Equifax credit report that I have been trying to get removed from my credit. I've explained to customer service reps they are fraud, and I did not give permission to any of these company to pull my credit report, nor my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I do not recognize this credit inquiry I ask to remove bureau but they did not remove and I reported Idenity theft report. i request this be removed

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 2024-07-28 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: VA

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking.

[ Identify item ( s ) resulting from trafficking that should be blocked, by name of the source ( such as the credit card issuer or bank ) and type of item ( such as credit account, checking account, criminal conviction, utility account, etc. ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-28 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: FL

Complaint narrative:
I received XXXX Hard Inquiries from XXXX XXXX XXXX XXXX, XXXX, OH XXXX on my Equifax report XXXX XX/XX/year> which i did not apply for. Due to these inquiries it also changed credit reporting address to XXXX I have not resided in for over many years. I filed a dispute for the pull with Equifax and they closed it in less than XXXX hours reporting ( INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE XXXX YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/year> CR XXXXXXXX XXXX  ). I tried getting ahold of Comenity capital and I was hung up on XXXX time to find out who requested this credit pull. Equifax told me to get a hold of the creditor and I did not apply for this credit nor to I have an account them. I currently have a dispute to have my credit address changed to my correct address. I don't know what else to do to get this off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Patenaude & Felix A Professional Corporation
State: WA

Complaint narrative:
On XXXX XXXX XXXX XXXX around XXXX, someone came to my front house door and asked for XXXX XXXX XXXX myself ). She handed me a paper that appears as a complaint for monies due with an apparent case number, however, when researching the case number with the court and the so-called attorney 's office, nothing came back favorable. This leads me to believe this " complaint '' is fraud and someone is misrepresenting themselves as an attorney to collect on a past debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 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: VA

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

[ Identify item ( XXXX ) resulting from trafficking that should be blocked, by name of the source ( such as the credit card issuer or bank ) and type of item ( such as credit account, checking account, criminal conviction, utility account, etc. ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this

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 2024-07-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: WV

Complaint narrative:
Upon purchasing a new car I noticed a collections account on my credit report. Further investigation led to XXXX communications not receiving rented hardware back after canceling account. This resulted in {$250.00} collection being placed on my XXXX credit report dropping my XXXX XXXX drastically. On XXXX I contacted XXXX communications through XXXX to resolve the issue and let them know I was never made aware or received any way to return equipment. They immediately issued a return label to return equipment and explained that the account would be made whole and would be removed from credit reporting upon receipt of equipment. XXXX received the equipment on XXXX and following removed the charge on the account. I have disputed XXXX separate times on XXXX with Credit Collection Services and provided the chat history with XXXX and they refuse to remove the collection. XXXX account shows that nothing is due and equipment has been returned. But somehow Credit collection Services updated my credit report with a lower amount due now from {$250.00} to {$140.00}. No payment has been made and it should be removed completely as XXXX agreed too once they received equipment back. I have never received any communications at all from credit collection services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 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: DE

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-07-28 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: DE

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-28 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: VA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

[ Identify item ( s ) resulting from XXXX that should be blocked, by name of the source ( such as the credit card issuer or bank ) and type of item ( such as credit account, checking account, criminal conviction, utility account, etc. ). 
XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this

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 2024-07-28 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: IN

Complaint narrative:
The list of accounts below has a violated my federally protected consumer rights to privacy and confidentiality under USA 1681. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I viewed my XXXX credit report on XX/XX/year>, and notice some things are incomplete and inaccurate, and according to the Fair Credit Reporting Act whenever a customer reporting agency prepares a customer report it shall follow reasonable procedures to assure maximum possible accuracy of information considering the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 [ 5 they are supposed to do thi ( 5 )

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 2024-07-28 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: VA

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

[ Identify item ( XXXX ) resulting from trafficking that should be blocked, by name of the source ( such as the credit card issuer or bank ) and type of item ( such as credit account, checking account, criminal conviction, utility account, etc. ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 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: Summit A*R, Inc.
State: TX

Complaint narrative:
I have ask numerous occasions ( 6 ) for this attempt to collect debt investigated. This is a blantant attempt is totally against my rights under FCRA. Which is recking havac on my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: TD BANK US HOLDING COMPANY
State: WA

Complaint narrative:
On XXXX XXXX XXXX XXXX XXXX XXXX, someone came to my front house door and asked for XXXX XXXX XXXX myself ). She handed me a paper that appears as a complaint for monies due with an apparent case number, however, when researching the case number with the court and the so-called attorney 's office, nothing came back favorable. This leads me to believe this " complaint '' is fraud and someone is misrepresenting themselves as an attorney to collect on a past debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Urgent Request for Removal of Incorrect Information from Credit Report To Whom It May Concern, I am writing to formally dispute several inaccuracies in my credit report and request the immediate removal of incorrect information. Upon thorough review, I have identified multiple discrepancies, including erroneous names and addresses that do not pertain to me. 

Incorrect Names : 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 As a past victim of identity theft, I am particularly vigilant about maintaining the accuracy of my credit profile. These inaccuracies not only misrepresent my personal information but also pose a serious risk to my financial standing and creditworthiness. I affirm that the names and addresses listed above are not associated with me. My correct name is XXXX XXXX XXXX XXXX, and my current address is XXXX XXXX XXXX XXXX XXXX XXXX 

To ensure the integrity of my credit profile, I request that Equifax conduct an expedited investigation and remove the incorrect names and addresses from my credit report. These errors are compromising my credit profile and could potentially lead to further issues if not addressed promptly. 

Enclosed with this letter are copies of the following documents to verify my identity and current address : Government-issued ID Recent utility bill Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute and correct any inaccuracies in my credit report. I expect Equifax to address these discrepancies with the urgency they warrant and to confirm in writing once the corrections have been made. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. Please confirm receipt of this dispute and the steps being taken to rectify these errors. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX XXXX Enclosures : Copy of government-issued ID Copy of recent utility bill

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Urgent Request for Removal of Incorrect Information from Credit Report To Whom It May Concern, I am writing to formally dispute several inaccuracies in my credit report and request the immediate removal of incorrect information. Upon thorough review, I have identified multiple discrepancies, including erroneous names and addresses that do not pertain to me. 

Incorrect Names : 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  As a past victim of identity theft, I am particularly vigilant about maintaining the accuracy of my credit profile. These inaccuracies not only misrepresent my personal information but also pose a serious risk to my financial standing and creditworthiness. I affirm that the names and addresses listed above are not associated with me. My correct name is XXXX XXXX XXXX XXXX, and my current address is XXXX XXXX XXXX XXXX XXXX XXXX. 

To ensure the integrity of my credit profile, I request that Equifax conduct an expedited investigation and remove the incorrect names and addresses from my credit report. These errors are compromising my credit profile and could potentially lead to further issues if not addressed promptly. 

Enclosed with this letter are copies of the following documents to verify my identity and current address : Government-issued ID Recent utility bill Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute and correct any inaccuracies in my credit report. I expect Equifax to address these discrepancies with the urgency they warrant and to confirm in writing once the corrections have been made. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. Please confirm receipt of this dispute and the steps being taken to rectify these errors. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX XXXX Enclosures : Copy of government-issued ID Copy of recent utility bill

Company response to consumer: Closed with non-monetary relief