vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Having reviewed my credit report, I detected inaccurate accounts that did not arise from any error on my part.

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 2024-03-22 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: FL

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report.

I am formally requesting the blocking and deletion of these accounts.

It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I HAVE CALLED AND THEY DO NOT UPDATE MY PERSONAL INFORMATION AND THESE ARE NON-MAILABLE ADDRESSES. 

MY ONLY ADDRESS IS : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX  days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX  days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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: FL

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-03-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX unit XXXX XXXX, NC XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXXubject : Dispute of Inclusion of Outdated Student Loan Debt on Credit Report To Whom It May Concern, I am writing to dispute the inclusion of a student loan debt on my credit report. The debt in question, as reported by the US Department of Education XXXX XXXX XXXX XXXX XXXX, should not be present on my credit report due to its age and the lack of recent activity. 

According to my credit report, the account is alleged to have been first opened on XX/XX/XXXX, which is over XXXX years ago. Despite not having been on my account for almost XXXX years and having had no correspondence with this or any debt servicer during this time, the account has somehow recently appeared on my credit reports ( Trans Union, XXXX ) as " ACTIVE/CURRENT '' with an accumulated interest of 52 %. This is both erroneous and unacceptable.

I firmly believe that this inclusion is a mistake and is adversely affecting my credit score and financial standing. Furthermore, the sudden reactivation of this account after such a prolonged period without any activity raises serious concerns about the accuracy and legitimacy of this entry on my credit report.

I respectfully request that the Consumer Financial Protection Bureau conducts a thorough investigation into this matter and ensures that this outdated and erroneous information is promptly removed from my credit report. Additionally, I urge the bureau to hold the US Department of Education XXXX XXXX XXXX XXXX XXXX accountable for the inaccurate reporting and demand immediate rectification of this error.

I kindly request regular updates on the status of my dispute and any actions taken to resolve this matter.

Thank you for your attention to this urgent issue. I trust that the Consumer Financial Protection Bureau will take swift and decisive action to rectify this error and restore the accuracy of my credit report. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2024-03-21 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: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau Subject : Dispute of Inclusion of Outdated Student Loan Debt on Credit Report To Whom It May Concern, I am writing to dispute the inclusion of a student loan debt on my credit report. The debt in question, as reported by the US Department of Education XXXX XXXX XXXX XXXX XXXX, should not be present on my credit report due to its age and the lack of recent activity. 

According to my credit report, the account is alleged to have been first opened on XX/XX/XXXX, which is over XXXX years ago. Despite not having been on my account for almost XXXX years and having had no correspondence with this or any debt servicer during this time, the account has somehow recently appeared on my credit reports ( XXXX XXXX, Equifax ) as " ACTIVE/CURRENT '' with an accumulated interest of 52 %. This is both erroneous and unacceptable.

I firmly believe that this inclusion is a mistake and is adversely affecting my credit score and financial standing. Furthermore, the sudden reactivation of this account after such a prolonged period without any activity raises serious concerns about the accuracy and legitimacy of this entry on my credit report.

I respectfully request that the Consumer Financial Protection Bureau conducts a thorough investigation into this matter and ensures that this outdated and erroneous information is promptly removed from my credit report. Additionally, I urge the bureau to hold the US Department of Education XXXX XXXX XXXX XXXX XXXX accountable for the inaccurate reporting and demand immediate rectification of this error.

I kindly request regular updates on the status of my dispute and any actions taken to resolve this matter.

Thank you for your attention to this urgent issue. I trust that the Consumer Financial Protection Bureau will take swift and decisive action to rectify this error and restore the accuracy of my credit report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 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: IL

Complaint narrative:
Please eliminate these deceptive accounts from my credit report, as I never authorized their creation. Kindly delete this incorrect entry.

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 2024-03-21 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: TX

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report.

I am formally requesting the blocking and deletion of these accounts.

It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I strongly insist on the removal of this late payment from my account, as it inaccurately reflects my payment history. I have consistently maintained timely payments, and it is unfair to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.

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 2024-03-21 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: TX

Complaint narrative:
I strongly insist on the removal of this late payment from my account, as it inaccurately reflects my payment history. I have consistently maintained timely payments, and it is unfair to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.

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 2024-03-21 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: TX

Complaint narrative:
These inquiries are not mine, and I have no affiliation with the listed creditors. I urgently request their removal 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 explanation
Consumer complaint received 2024-03-21 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:
These inquiries are not mine, and I have no affiliation with the listed creditors. I urgently request their removal 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 2024-03-22 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: TN

Complaint narrative:
It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am deeply troubled by the presence of this late payment on my account, given my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.

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 2024-03-21 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: IL

Complaint narrative:
I am deeply troubled by the presence of this late payment on my account, given my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.

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 2024-03-21 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: TX

Complaint narrative:
I urgently request the removal of this erroneous late payment from my account. My consistent history of punctual payments contradicts this entry, causing me undue stress and concern. I ask that you promptly rectify this mistake by updating my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax Headquarters XXXX XXXX XXXX XXXX. 
XXXX, GA XXXX Dear sir, I have received 3 letters and one postcard from your company offices. XXXX letters and a postcard came from a representative of your office addressed, Equifax Information Services LLC, XXXX XXXX XXXX, XXXX, GA XXXX. The last one, postcard, indicated that your company placed the initial alert due to the identity theft of mine, XXXX XXXX. However, as my records indicate, I have already asked extended 7 years alert to your company by sending the necessary documents, which are the copies of social security number, drivers license, and XXXX passport. The letter written XX/XX/XXXX of XXXX, which is numbered, XXXX indicated some of my copies of above-mentioned documents might be soiled with some reasons, such as the mistreatment of the XXXX XXXX XXXX XXXX. I am not sure which copies of my sensitive documents including XXXX passport might be soiled, since I mailed several times, including the passport twice. I request which documents have soiled and your office representative could not read and have decided not to be usable as official process for extended 7 years alert. As far as the postcard, which I received today, XX/XX/XXXX of XXXX, indicated that your office has already added the first-year fraud alert, even though I requested the extended alert and security freeze several times already. I just request which document ( s ) was/were soiled to be sent again, even though I have strong fear and concern whether the mailing process of the XXXX XXXX XXXX XXXX might have some problem and has endangered my identity and myself. Another letter, which also dated the same day with same above-mentioned letter, on XX/XX/XXXX of XXXX, and numbered XXXX, asked me to send this inquire to Consumer Financial Protection Bureau as a mail ; therefore , I will send there this mail addressed to it. Even though it might be a just mere question, why these two letters prepared on same day need to be mailed separately by two envelopes ; I strongly believe you need to instruct your employee to save the postage, since I concern the cost of postage so far due to the volume of numbers in total, about maybe XXXX. This latter letter mentioned File Disclosure, since I still have the communication with XXXX XXXX  credit report company, I strongly request your company encourage the XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX  to disclose the suspicious activities, which prepare two same number checks, because if the banks issues two checks with same number should be meant the fraudulent transactions. Lastly, I strongly ask you add security alert after this information from XXXX XXXX. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 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: TX

Complaint narrative:
It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: SC

Complaint narrative:
I purchased a gym membership for XXXX XXXX in XXXX on their website. I payed a higher monthly cost to avoid being locked into a contract for a set amount of time. After about XXXX months I canceled my membership on the same website that I purchased my membership from. XXXX XXXX charged me again after cancelling so I resorted to deactivating my debit card. About XXXX months later I noticed the collection on my credit report. After contacting XXXX XXXX  I was given the phone number of First Credit Services. I called and was told that I owe them {$79.00} and if it was not payed in XXXX days they would take additional action. I was also told that the amount was more but I made a payment which I never did since I didn't even know there was a collection. I was also told if I payed immediately that it would take XXXX to XXXX business days for the collection to not affect my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Paid off my loan in full never late capital one reported XXXX late with balance of XXXX XXXX after the account been paid and closed

Company response to consumer: Closed with explanation