vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-06 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: WY

Complaint narrative:
Consumer name : XXXX XXXX XXXX consumer dob : XX/XX/XXXX consumer ss # XXXX This cfpb complaint has been filed to request pursuant to fcra 605b ( 15usc1681 c-2 ) that you, the equifax credit reporting agency , block information appearing on my consumer credit report that is the result of idenity theft and fraud within 4 business days of you receiving this complaint.This fraudulent, inaccurate and false information consist of the following accounts # XXXX cbnk acount # XXXX opened XX/XX/XXXX balance $ XXXX acount # XXXX opened XX/XX/XXXX balance {$63.00} # XXXX pm acount # XXXX opened XX/XX/XXXX balance {$15000.00} # XXXX XXXX account # iqdonxxxxxxxxxx balance {$5500.00} opened XX/XX/XXXX # XXXX XXXX account # XXXX balance {$33.00} opened XX/XX/XXXX and the following inquires # XXXX XXXX XX/XX/XXXX # XXXX XXXX XX/XX/XXXX # XXXX XX/XX/XXXX # XXXX XX/XX/XXXX # XXXX XX/XX/XXXX # XXXX. XXXX XX/XX/XXXX these accounts and inquires have resulted in several fraudulant hard inquires and collections/chargeoffs appearing on my consumer credit report.ive attached a list of the hard inquiries and a list of the collections/charge offs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.all of the aforementioned accounts and hard inquiries are the result of idenity theft and fraud.i have attached a copy of the FTC theft criminal complaint XXXX XXXX as proof from the federal trade commission that all the aforementioned consumer credit accounts, collections, charge off and hard inquiries are the result of idenity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-06 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: FL

Complaint narrative:
I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly 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 non-monetary relief
Consumer complaint received 2024-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
15 u.s.c 1681s-2, the statue of limitations has been extended because a charge off was reported month after month on this account. My credit file states that I been having charge off reported on the same account since XX/XX/year>.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
In my credit report from XXXX I have an account that does not belongs to me with Bank of America, I reported already with XXXX, but they asked me to reported here.

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 2024-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX, Equifax, and XXXX continue to violate federal law with not preforming consumer disputes investigations per federal law. All three bureaus continue to use information that they are obtaining directly from the creditors which is against federal law and a direct violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 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:
Experian, XXXX, and XXXX continue to violate federal law with not preforming consumer disputes investigations per federal law. All three bureaus continue to use information that they are obtaining directly from the creditors which is against federal law and a direct violation.

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 2024-09-06 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: NC

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-09-07 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: IN

Complaint narrative:
I accidentally submitted a payment to EdFinancial, my student loan servicer on XX/XX/year> for the amount of {$8300.00}. Having spoken with their customer service many, many times, EdFinancial continues to stonewall my request for information regarding my refund. They simply tell me they have no information on my refund or the status of it, among false information and information that conflicts with the Department of Education. 

According to several representatives I have spoken with at the Department of Education, my refund is supposed to come as a check from EdFinancial ( my servicer ), not the US Department of the Treasury. I have confirmation from my latest recorded phone call with EdFinancial 's customer service. Indeed, the check is supposed to be processed by them, not the Treasury. Apparently, their Financial team is supposed to process this check. Communication via their Financial team, their customer service, and me is extremely poor. It is suspicious and frustrating that my servicer 's customer service can not communication about my check with their Financial department. Moreover, it is a great deal suspicious that EdFinancial is holding on to my money for this extreme amount of time when processing a check should not take more than a full week. 

To reiterate, this is an accounting issue due to an accidentally payment. This is NOT an issue related to a pandemic overpayment or an issue related to student loan forgiveness. Therefore, this refund ought to be processed by EdFinancial, not the US Department of the Treasury. According the Department of Education, my servicer is " obligated by contract '' to issue me this refund themselves. Any process related to the Treasury is false. 

In XXXX, my servicer updated my account statement to include a " payment reversal '' so that my principal balance changed to a larger amount before my accidentally payment occurred. In spite of the balance reflecting the amount before the payment, I still have not received my funds. This is a HUGE problem because aside from me desperately needing the money to pay my rent and expenses, I will be paying interest of a false loan principal once payments resume this XXXX. Additionally, I do not have the ability to accrue interest in my HYSA with these funds as a result of EdFinancial 's poor handling on this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

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

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 2024-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear Experian, I have identified information on my report that are a result of identity theft these accounts do not belong to me XXXX XXXX XXXX # XXXX I am writing to dispute the reappearance of an account on my credit report. The account in question was previously deleted due to fraud, and an FTC Identity Theft Report was provided to Experian at that time. However, the account has now been reinserted without proper notification. 

Account Details : Creditor Name : XXXX XXXX Bank Account Number : XXXX This account was investigated and deleted by both XXXX and XXXX and has not been reentered on their reports. According to the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 5 ) ( B ), if a previously deleted item is reinserted into a consumers credit report, the consumer reporting agency must notify the consumer of the reinsertion within five business days. I did not receive any such notification regarding the reinsertion of this account.

I am providing Experian with a new FTC Identity Theft Report to support my dispute. I request that you investigate this matter and provide me with the required reinsertion notice. If the account can not be verified, I ask that it be permanently removed from my credit report. 

Thank you for your prompt attention to this matter.

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 2024-09-06 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: HI

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX XXXX that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-09-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Problem with a trade-in
Company: Spring Oaks Capital, LLC
State: IN

Complaint narrative:
1.Required by XXXX CFR XXXX ( B ) ( XXXX ) yet they have proceeded to place a collection account on my consumer report. The omission denies me the opportunity to verify the accuracy of the debt they claim I owe. 
2. I have not been offered the opportunity to dispute the account in accordance with. 
XXXX CFR XXXX ( XXXX ) ( XXXX ) this denial of the dispute process to me of my rights to challenge and accuracy or discrepancy regarding the ledge debt. 
3.SPRINGOAKCAP has resorted to false, misleading and deceptive means in their collection efforts therefore violating my consumer rights, such unethical practices, undermine the integrity of debt collection process, and calls undo distress to consumers. 
4. For the more the agency lacks the authority to furnish my account to consumers reporting agencies without adhering to the necessary, disclosures, mandated by law by neglecting to their obligations under XXXX XXXX XXXX ( d ) and XXXX XXXX XXXX ( XXXX ) ( A ). SPRINGOAKCAP is flagrantly disregarding consumer protection statues. I demand that the consumer financial protection bureau investigates these egregious violations that are placed on my consumer report no later than 30 days starting today XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 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:
Upon reviewing the copy of my credit report, I have identified the following item ( s ) that contain inaccuracies : 1. The following personal information is incorrect Former : XXXX XXXX 2. The following personal information is incorrect Also Known As : XXXX XXXX 3. The following personal information is incorrect 4. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX. The following personal information is incorrect Employers : XXXX 6. The following personal information is incorrect Employers : XXXX XXXX 7. The inquiry was not authorized XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX 8. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 10. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 11. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 12. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 13. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX XXXX ; XX/XX/XXXXXXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX ; XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ; XX/XX/XXXX XXXX XXXX Account Number : XXXXXXXX XXXX ; XX/XX/XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX ; XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX : XXXX XXXX ; XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX ; XX/XX/XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX, XXXX XXXX XXXX Account Number:XXXXXXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2024-09-06 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: NJ

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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