vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-11 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: CA

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. 

XXXX XXXX XXXX # XXXX, has violated my rights. 

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 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 seven 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 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 2024-09-11 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA

Complaint narrative:
A company Fair Collections & Outsour ( per credit report ) is illegally and unethically trying to collect a fabricated debt! 

There is no such debt and property management company ( XXXX at XXXX 's XXXX ) intentional skipped steps of due process for confirmation of debt. There is notated retaliation and scams of rental company using such actions. 

Fair Collections & Outsour has not properly communicated with me or other parties for dispute process. The company also has added other to file in a biased and unethical manner!

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 2024-09-11 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:
I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

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 2024-09-11 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 DIDN'T OPEN THIS ACCOUNT LISTED IN THIS REPORT, I NEVER GAVE ANYONE PERMISSION TO OPEN A ) XXXX XXXX XXXX ) CREDIT CARD IN NAME. THE ACCOUNT WAS OPENED ON XX/XX/XXXX AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX. I WAS NO LONGER LIVING THERE WHEN THIS ACCOUNT WAS OPENED. I MOVED OUT FROM THAT ADDRESS ON XX/XX/XXXX. 

( XXXX XXXX XXXX ) ( ACCOUNT # XXXX ) ( OPENED DATE : XX/XX/XXXX ) ( FRUDULENT AMOUNT CHARGED : {$270.00} )

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 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I DIDN'T OPEN THIS ACCOUNT LISTED IN THIS REPORT, I NEVER GAVE ANYONE PERMISSION TO OPEN A ) XXXX XXXX XXXX ) CREDIT CARD IN NAME. THE ACCOUNT WAS OPENED ON XX/XX/XXXX AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX. I WAS NO LONGER LIVING THERE WHEN THIS ACCOUNT WAS OPENED. I MOVED OUT FROM THAT ADDRESS ON XX/XX/XXXX. 

( XXXX XXXX XXXX ) ( ACCOUNT # XXXX ) ( OPENED DATE : XX/XX/XXXX ) ( FRUDULENT AMOUNT CHARGED : {$270.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I DIDN'T OPEN THIS ACCOUNT LISTED IN THIS REPORT, I NEVER GAVE ANYONE PERMISSION TO OPEN A ) XXXX XXXX XXXX ) CREDIT CARD IN NAME. THE ACCOUNT WAS OPENED ON XX/XX/XXXX AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX. I WAS NO LONGER LIVING THERE WHEN THIS ACCOUNT WAS OPENED. I MOVED OUT FROM THAT ADDRESS ON XX/XX/XXXX. 

( XXXX XXXX XXXX ) ( ACCOUNT # XXXX ) ( OPENED DATE : XX/XX/XXXX ) ( FRUDULENT AMOUNT CHARGED : {$270.00} )

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 2024-09-11 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: NV

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent account on my report. Please remove these accounts from my report. They are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 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: TX

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on 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 2024-09-11 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: TX

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on 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 2024-09-11 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: NY

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-09-11 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: NY

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 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: DC

Complaint narrative:
Inaccurate information I am listing account below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. This company is reporting inaccurate high credit amounts, Last reporting dates, Date last Active, and Date of last payment. In pursuant to 15 U.S.C. 1681 Congressional Findings, 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. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Below listed Inaccurate accounts & Inquiries : DP OF EDUC # XXXX Is Reporting 4 Different Inaccurate Accounts on my consumer report THAT DOES NOT BELONG TO ME.

DP OF EDUC # XXXX Is reporting 2 Inaccurate account on my consumer report THAT DOES NOT BELONG TO ME. 

XXXX XXXX XXXX XXXX # XXXX Is reporting 2 inaccurate High Credit Dates / 2 inaccurate Dates Last Active / 2 Inaccurate Credit Limits / 2 Inaccurate Last Payment Dates XXXX XXXX XXXX XXXX XXXX  # XXXX Is reporting 2 Inaccurate Open Dates / 2 Inaccurate High Credit / 2 Inaccurate Last Active Dates XXXX # XXXX Is reporting 2 Inaccurate Open Dates/ 3 Different Hight Credit Amounts / 3 Inaccurate Last Reporting Dates/ 3 Inaccurate Last Active Dates / 2 Inaccurate Last Payment Dates Inquiries : XXXX XX/XX/year> XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 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: FL

Complaint narrative:
When I checked my credit report this evening, I was stunned to see inaccurate accounts listed, and I have no idea why. Its a routine check for me, but this time, errors appeared from nowhere. I even refreshed the page, hoping it was a mistake, but the accounts remained. I am requesting that my submitted documents be thoroughly reviewed so I can finally have peace of mind.

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 2024-09-11 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: AE

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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 2024-09-11 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: IL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: TX

Complaint narrative:
I was given a summons to appear in court to answer for a debt from XXXX XXXX XXXX in the amount of {$15000.00}. I allegedly took out a loan for said amount on or about XX/XX/XXXX. On or about XX/XX/XXXX, he contract was turned over to Crown Asset Management to handle the delinquent loan. 
I dispute this entire " loan ''. My credit back in XXXX was extremely low, so it seems highly unlikely that any entity would have granted me the amount of {$15000.00}. What's more, I have never had any dealings, good, bad, or indifferent with XXXX XXXX XXXX. 
As of this date, XX/XX/XXXX, with the exception of the summons, I have not received from XXXX XXXX XXXX and Crown Asset Management, a single letter, email, or phone call. 
This is a complete fraud and I have had no business with XXXX XXXX XXXX or Crown Asset Management.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 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: IN

Complaint narrative:
I seek your help in addressing this mistaken account on my credit report. It has severely impacted my reputation, and I require your support. Your improper reporting has caused major damage to my standing, and I demand you remove this incorrect data from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 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: GA

Complaint narrative:
When looking over my recent credit reports I came across some accounts XXXX XXXX XXXX  amount {$6800.00}, XXXX XXXX amount {$3000.00} that i dont recognize. Ive tried disputing the account because im currently trying to purchase a home and nothing has been sent back to me as far debt validation or updated credit report. This Agency is in violation of This agency is in violation of 15 USC 1692g section 3. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor only i can validate this debt. i do not validate this debt. My information was also involved in a data breach.

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 2024-09-11 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: GA

Complaint narrative:
When looking over my recent credit reports I came across some accounts XXXX XXXX XXXX amount {$6800.00}, XXXX XXXX amount {$3000.00} that i dont recognize. Ive tried disputing the account because im currently trying to purchase a home and nothing has been sent back to me as far debt validation or updated credit report. This Agency is in violation of This agency is in violation of 15 USC 1692g section 3. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor only i can validate this debt. i do not validate this debt. My information was also involved in a data breach.

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 2024-09-11 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:
Good day. Please read this complaint seriously. It's been such a long time that I have been trying to fix the errors being reported on my credit report, but to no avail. My requests to correct this incorrect information kept getting ignored and I had enough. This has affected all aspects of my life negatively ; it's taking a toll on my mental health.

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 2024-09-11 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I noticed a fraudulent collections accout on my credit report in XX/XX/year>. I've reached out to Experian, the original creditor, the collections agency, the local authorities, and the FTC to files a claim against the fraud. All the agencies I've reached out to have provided reports to me and Experian stating this was fraud and should be expunged from my credit. The original creditor and the collections agency have contacted Experian directly. I have uploaded NUMEROUS files per their request to demonstrate that this is due to identity theft. After over 6 weeks of constant attempt at jumping through hoops for their ludicrous requests, Experian continues to send me emails refusing to expunge the fraudulent account from my credit. The last email, sent this morning, says it was denied for the following reasons : and then had nothing provided. I've attached this email here. it also asks for a copy of my identity theft report, which I've already provided them. They then asked for me to create a police case with the identity theft report, which I did & then provided to them. They then inaccurately said the report did not show it was submitted, in which I pointed out the area where it does state this and gave additional documentation proving it was submitted. I've spoken on the phone to XXXX separate agents who were not able to provide any insight as to why it is still on my account. I want this removed from my account and I want it noted that Experian perpetuates fraud. They have consumed no less than XXXX hours of time having to track down the various reports they're requesting, then refusing to accept the reports, then furthermore refusing to acknowledge that the original creditor and collection 's agency admitted to it being fraud. I feel that I should be compensated for my time, but at this point I just want it removed from my credit.

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 2024-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XX/XX/year> received call from XXXXXXXX XXXX at XXXX pm, telling me that someone applied for a chase card from XXXX XXXX. Caller had my name and ss number but wanted more info to cancel request. I hung up. At XXXXXXXX XXXX same person called back and asked for more info to cancel it. This time the call was from teas. I was given a case number of XXXX and transfered to CFPB. That person wanted more info and already knew which credit cards I had. He wanted to confirm the numbers and expiration date. I refused to give him that. He hung when I asked where he was born. Both callers had thick accents and diificult to understand.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 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: PA

Complaint narrative:
I respectfully request that you promptly and decisively take action to remove the fraudulent accounts 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 2024-09-11 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: WA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 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: WA

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

Company 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