vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Burke Moore Law Group, LLP
State: GA

Complaint narrative:
Someone illegally opened this account in my name and withdrew the money out. THIS IS NOT MY DEBT

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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 a victim of identity theft please remove this fraud inquiry 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 2024-01-03 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: PA

Complaint narrative:
I just obtained and reviewed the copy of my credit reports. It seems that the Bureaus are reporting Inaccurate information resulting to lower my credit scores. 

Please see the attached PDF file on this complaint. These are the letters I submitted to the involved Bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 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: CT

Complaint narrative:
I just reviewed my credit reports and it shows inaccurate and unauthorized account.

Please see the copy of my dispute letters that were already sent to the involved Bureaus.

I have not received any responses yet

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 2024-01-03 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:
Dear whom this letter may contain, There is information on my consumer report that is a result of identity theft. I did not provide written instructions or permission for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be updated to " paid as agreed ''. My request is not being made in error, nor is my request being made on the basis of a material misrepresentation of fact by me relevant to the request to update the identified transactions. The identified transactions are not information related to any transaction by me as the consumer.

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 2024-01-03 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: FL

Complaint narrative:
Dear whom this letter may contain, There is information on my consumer report that is a result of identity theft. I did not provide written instructions or permission for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be updated to " paid as agreed ''. My request is not being made in error, nor is my request being made on the basis of a material misrepresentation of fact by me relevant to the request to update the identified transactions. The identified transactions are not information related to any transaction by me as the consumer.

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 2024-01-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CT

Complaint narrative:
I received a student loan repayment detail dated XXXX XXXX XXXX. Paperwork was very confusing and listed a repayment obligation schedule. It says payment start date XX/XX/XXXX for {$120.00}. I assumed that meant the XXXX of the month I am to make a payment. I made the first payment by hooking this up to my bank. When the next month rolled around I did not receive any billing on for it. I specifically request a hardcopy so I can keep track of the documents with a physical copy rather than online where sites can crash, etc. I called Mohela who I have my loan with and discussed this, and expressed my confusion as to why I am not receiving bills although I was told I have repayments beginning XXXX They told me I should be receiving bills in the mail ( they double checked my address, etc. ) they said they have sent it but I never received anything for the month of XXXX or XXXX. They tried to convince me to pay through their site and only receive billing through electronic even though I expressed that I want hard copies. By the time I realized I was not getting a bill and got connected with MOHELA costumer service, it was around the same time as the due date. They told me I wouldn't receive any extra charges or interest because of this. However, now for the month of XXXX I had finally received a bill for my federal student aid through MOHELA for the {$120.00} but the bill said {$0.00} due for XXXX The instructions and billing I receive do not make sense and no one on the phone gives me a clear answer as to what the deal is. Again the issue I was having was them not even sending me my bills even though I clearly stated to them several times I wanted bills in the mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp.
State: HI

Complaint narrative:
Until XXXX XXXX XXXX, my wife and I had cable with XXXX. I ( XXXX XXXX ) paid monthly by credit card, and the bill had my wife 's XXXX XXXX XXXX XXXX name on it. 

We closed that account, a process that took hours given the ineffeciency of that company. After paying our last bills and getting confirmation that we did not owe anything, that was it. We made sure multiple times that we did not owe anything. 

We had just sold our house and moved to a place outside of their service area. We have not even had incidental contact with XXXX. There is no possibility of using their service by accident. 

Then this morning I received an email from True Accord, their automated debt collection service, for {$49.00}. 

We do not owe this money and have not had contact with XXXX since XX/XX/2022. We have moved away and have no relationship with this company.

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 2024-01-03 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: TN

Complaint narrative:
Experian has removed XXXX # XXXX XXXX XXXX XXXX over 5 times and keep readding this account, which is a voilation of the FCRA. Under policy U.S.C 1861i ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. ( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( 5 ) ( C ) Procedures to prevent reappearance A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) )

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 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was a victim of Identity Theft when my data was stolen from XXXX on XX/XX/XXXX. 
A fraudulent account under my name and social security was opened by an unknown person at XXXX XXXX on XX/XX/XXXX. The account number given to me by XXXX XXXX is XXXX. 
The claim filed against me on XX/XX/XXXX, was issued by XXXX XXXX XXXX XXXX for the amount of $ XXXX numerous calls to XXXX, and their refusal to help, they referred me to the Law Offices of XXXX XXXX XXXX XXXX 
On XX/XX/XXXX I filed an Identity Theft Report with the State of Florida XXXX XXXX of XXXX, XXXX XXXX XXXX, report number XXXX. 
I have also filed a report with the www.identitytheft.gov

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 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was a victim of Identity Theft when my data was stolen from Equifax on XX/XX/XXXX. 
A fraudulent account under my name and social security was opened by an unknown person at XXXX XXXX on XX/XX/XXXX. The account number given to me by XXXX XXXX is XXXX. 
The claim filed against me on XX/XX/XXXX, was issued by XXXX XXXX XXXX XXXX for the amount of XXXX XXXX.After numerous calls to XXXX, and their refusal to help, they referred me to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
On XX/XX/XXXX I filed an Identity Theft Report with the State of Florida XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX, report number XXXX. 
I have also filed a report with the www.identitytheft.gov

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
After paying off my lease and purchasing the car, I went to sell it several months later and discovered the title I was sent was not valid. For some reason during my lease Chase had requested a new title which made the one I was sent not valid. so after not having a valid title and losing the sale of my car i called Chase. They told me they would have to send a request to the title department and this could take 30-45 days. after 45 days and multiple calls back i was told, now they can not locate the title and will have send off for a duplicate title from XXXX. Again could take up to 45 days. Now more than three months into this process I am still waiting>>>>> they say title was issued about two weeks ago and all they can do is wait to receive it and then it will be mailed to me. meanwhile I am unable to sell my car- it is sitting losing value and i am losing money each month paying for insurance> They are the most incompatunt company I have ever delt with amd WILL NOT EVER deal with again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I am listing accounts 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.

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 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I am listing accounts 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.

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 2024-01-03 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:
Sent notarized letters to request for a thorough investigation of my credit report. Requested old addresses and names no longer used to be removed. But they remain. Requested information on how validation was acquired, and received no information regarding the method used to validate the accuracy of the report. Disputed online and sent three letters requesting the information, the last letter dated XX/XX/2023. The information requested was not provided. Accounts were removed from the report and placed back on again. Each agency reports ( XXXX, XXXX, and TransUnion ) reporting different information, ( i.e. last payment dates, open accounts showing closed on one report and charged off on another. Late payments of XXXX dates showing on one report and 150 days on another, or profit and loss ). This has caused me hardships and an inability to be able to acquire credit. Unable to receive a printed letter from TransUnion and can not access my report online without having to become a member.

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 2024-01-03 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: OH

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent a dispute to Experian in the month of XXXX, however, I recieved an email respnose from Experian claiming the dispute was " invalid '' and " did not appear to come from me '' The dispute was in fact me, I even sent along a identity theft report, along with my government issued ID I've attached the dispute and identity theft report along with my ID

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 2024-01-03 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: W&A Intermediate Co., LLC
State: IN

Complaint narrative:
In accordance below with the Fair Credit Report act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 609 of the Fair Credit Reporting Act ( FCRA ) a federal law that protects consumers from unfair credit and collection practices I told the XXXX, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX5 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Late payment was placed on credit report my Reporting agency and its an error! Ive made all payment on time to the account and it was paid in full and closed. I dont know how it happen but its incorrect and Id like this account updated XXXX XXXX XXXX XXXX XXXX XXXX XXXX  to paid on time as agreed never late immediately!

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 2024-01-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
Greetings, I moved into XXXX XXXX XXXX by XXXX approximately XX/XX/XXXX. Shortly after, I received military order to move to XXXX XXXX, XXXX by XXXX XX/XX/XXXX. I was able to provide a copy of the military orders as soon as they became available. The management team at XXXX XXXX XXXX on location was extreme professional and although I provided them less than 60 days, they understood that there wasn't anything that I could due. I was able to successfully pay of my remainder balances and turned in the apartment without any discrepancies. Approximately 6 months later, I was contacted on numerous occasions by a XXXX employee attempting to seek payment for 2 months worth of rent. I stated to their collections department and manager that I was protected by the SCRA and that I was unaware of a short notice XXXX XXXX XXXX XXXX  and provided them a copy of my orders as soon a I possible could. After several failed attempts to collect {$3400.00} from me the telephone calls stopped around the end of XXXX. 

The end of XX/XX/XXXX, I was made aware that I had a collections account on my record. I reach out to the debt collector and explained my situation and provided a copy of my military orders. Simultaneously, I disputed the collection account with all 3 credit agencies. It appears that the company sold off the account to another collection agency or there was a name change, but the account reappeared on my report. I exhausted additional disputes, but the account has came back as " verified ''. 

I would like to make my statement clear : I paid all balances and closed out all debts associated with XXXX XXXX XXXX. XXXX attempted to obtain 2 months worth of rent out of me and were not going to release me from payment, although the SCRA clears me for breaking a lease early, due to military orders.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: PA

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. A XXXX ACCOUNT # XXXX WAS OPENED FRAUDULENTLY AND XXXX DID AN INVESTIGATION COMING TO THE CONCLUSION THAT IT WAS INDEED FRAUD. THE LETTER IS ATTACHED TO VERIFY THIS AND DEMANDS IT TO BE DELETED FROM ALL CREDIT REPORTS. 

I believe my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, TRANSUNION HAS YET TO REMOVE THIS FROM MY CREDIT REPORT HINDERING ME FROM PURCHASING A HOME AFTER MAKING SEVERAL ATTEMPTS FOR THE LIKE 90 DAYS!

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