vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-23 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: NY

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. 

ACCOUNTS : XXXX XXXX  Accounts : XXXX XXXX XXXX  : XXXXXXXX XXXX XXXX XXXX

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 2024-08-23 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: NY

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. 

ACCOUNTS : XXXX XXXX  Accounts : XXXX XXXX XXXX  : XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-23 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Herbert P. Sears Co., Inc.
State: CA

Complaint narrative:
XXXX the XXXX agency. Had called me and my wife. Threatening to have us arrested for a dental bill that was not paid. I lost my job during the pandemicXXXX XXXX XXXX charged the account out. XXXX bought XXXX account for Pennines on the dollar. They are saying I owe them money. I explained to XXXX who works there. I never signed a contract with XXXX XXXX I asked XXXX to remove the negative remarks. Off all XXXX credit reports. Which he refused to do. Telling me to pay the bill or else. Me and my family feel threatened by this. Can you please have XXXX to stop the harassing calls. And take the negative remarks off all XXXX credit reports. I would appreciate it.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
they call from ( XXXX ) XXXX They are a debt collector at Synchrony Bank. I have called them and even started payments on my debt. They previously were calling my personal line XXXX, which is acceptable. I got a work line a few months ago, XXXX, and they have now shifted to calling it almost daily if not XXXX, I never gave them this line yet they somehow have it on record, I have asked them to remove this number from their records and call my personal line, but when I call them they claim they do not even make outgoing calls and refuse to disclose what number they have on file, or alter their records. They refuse to give me any explanation as to why or how they have this business line.

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 2024-08-23 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: CA

Complaint narrative:
Since XX/XX/2024 and when my loan servicer changed to a new account platform I could not login to my account. I also had set up for auto pay for a flat amount of {$250.00} and instead they began to deduct the minimum monthly of {$180.00} making my total withdrawal increase to {$370.00}. Because this total deducted was not what I requested nor could I find a breakdown on how they came up with this amount I tried to email and call with no luck getting through to a human. In fact, my online account on new platform had me going in circles saying I had to create a new account in new platform, which I had already done. I had to change password almost 5 times. This is crazy because now I cant even update my auto deduction amount. I need to change my payment method and I cant do it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 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: TX

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 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 informationisinaccurate.

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 2024-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 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: PA

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. 
Account XXXX XXXX XXXX : # XXXX, Account XXXX XXXX XXXX  : # XXXX, Account XXXX XXXX XXXX XXXX XXXXXXXX, Account XXXX XXXX XXXX  : # XXXX, has violated my rights. 


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 non-monetary relief
Consumer complaint received 2024-08-23 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: AMERICAN HONDA FINANCE CORP
State: PA

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. 
Account America Honda Finance : # XXXX, Account XXXX XXXX XXXX  : # XXXX, Account XXXX XXXX : # XXXX, Account XXXX XXXX XXXX  : # XXXX, has violated my rights. 


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 2024-08-23 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: CCS Financial Services, Inc.
State: MN

Complaint narrative:
YesBy law 15 USC 1681 and 1692 ( b ) can not published any item on key consumers credit report with my written consent and permission. Please delete. 
looking {$1000.00} per violation remedy Per law 15 USC. 1681 & 1692 clearly states XXXX, XXXX and XXXX must delete these items from Credit report immediately. 
Thanks

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am writing to formally complain about Equifaxs ongoing failure to provide information regarding the verification of data that I have disputed in my credit report. I have made multiple requests asking for an explanation and documentation on how the disputed information was verified. Despite my repeated efforts, XXXX has failed to provide the necessary details, which I believe is a clear violation of the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, I am entitled to receive a clear and accurate explanation of how the information in my credit report was verified. Your failure to comply with this legal obligation is unacceptable and has caused me significant frustration and inconvenience. 

To resolve this issue, I request that Equifax immediately : Provide a detailed explanation of the procedures used to verify the disputed information. 
Supply any supporting documentation obtained during the verification process. 
Remove the disputed information from my credit report if it can not be properly verified. 
If I do not receive a satisfactory response within 30 days, I will have no choice but to escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal counsel to address this clear violation of my rights under the FCRA. 

Please consider this letter a formal request for prompt resolution. I expect your immediate attention to this matter. 

Thank you for your cooperation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
XX/XX/year> XXXX Please be advised that this is not a refusal to pay the debt, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), disputing your claim that I owe you money and requesting validation. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt you claim I owe. This is a request for proper validation, not mere verification of my address or any other superficial details, as mandated by the above-named Title and Section of the Fair Debt Collection Practices Act. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under state and federal statutes. Debt validation includes the following : Who was the original creditor on this account, and what was the account number? What was the original amount owed? Please provide a complete payment history, starting with the original creditor. Please provide documentation that demonstrates I am legally obligated to pay this debt. What was the original date of delinquency for this account? Provide the agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment. What did you pay for this account, and how did you calculate the current amount owed? I require compliance with the terms and conditions of this letter within 30 days of your receipt via certified mail, or a complete removal in writing of your claim from my credit profile. In the event of noncompliance, I reserve the right to file charges and/or complaints with the FTC, and appropriate county, state, and federal authorities. I also reserve my right to take private civil action against your company to recover damages. I hereby notify you that you do not have my consent to communicate with me through any means. Furthermore, I did not authorize you to obtain or possess my personal and private information. Any such actions constitute aggravated identity theft. Additionally, I did not authorize you to report my information or name to any consumer reporting agencies. Failure to comply with these directives will result in legal action. In addition, the Fair Credit Reporting Act states that during the investigation, you must indicate to the bureau that the account is under dispute and cease reporting this information to the Credit Reporting Agency until full validation has been completed. A copy of this request for validation has been sent to the XXXX national Credit Reporting Agencies to begin their 30-day investigational process concurrently with your own. 


THEY ALL SO SAID THERE WAS NO LETTER SENT TO THEM I SEND CERIFIED MAIL ON XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 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: SC

Complaint narrative:
Someone took out a loan or credit card in my name. XXXX XXXX XXXX  has the collection notice for that loan or credit card. I have called them and they sent paperwork to dispute this Account. But have not taken it off my credit report. The loan or credit card is for over {$800.00}. This is not my loan or credit card. 
Social security number has been used in many different fraudulent cases.

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 2024-08-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are multiple fraudulent inquiries on my credit report that are unauthorized. Please remove each fraudulent inquiry

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 2024-08-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
There are multiple fraudulent inquiries on my credit report that are unauthorized. Please remove each fraudulent inquiry

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-23 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: AL

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 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 non-monetary relief
Consumer complaint received 2024-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery Associated LLC is the name of the company that took a XXXX XXXX XXXX store credit debt that I no longer had and referred to XXXX and XXXX XXXX. with service of summons sent to my home. It was explained to both Portfolio Recovery Associated LLC and XXXX and XXXX XXXX. that the balance of this XXXX XXXX XXXXXXXX store credit card was added to the XXXXXXXX XXXX XXXXXXXX XXXX when I opened it, in which is in good standing. When the XXXX was opened I was told by XXXXXXXX XXXX XXXX  directly that XXXX supersedes the actual store credit card and it would now be closed. I have explained to each company as well as disputed in credit reporting agencies and they continue to call me, submit filings, etc. Both companies state there is nothing they can do and it is my debt. We are going back and forth about what took place, and the conversations ae no longer successful and/or predictive. I wholeheartedly believe this is a travesty that major companies are allowed bully and harass induvial to repay a debt that is not theirs. They have basically attempted to strongarm me into paying a debt that is no longer apart of that account with the threat to ruin my credit and sue me. The amount claimed is {$1500.00} which was again added to my XXXXXXXX XXXX XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 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: PA

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. 
Account XXXX XXXX XXXX : # XXXX, Account XXXX XXXX XXXX  : # XXXX, Account XXXX XXXX : # XXXX, Account XXXX  XXXX XXXX : # XXXX, has violated my rights. 


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