vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Please thoroughly investigate this matter and promptly rectify this error by removing the unauthorized inquiry from my credit report. Your urgent attention to this issue is highly appreciated.

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 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, 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: MS

Complaint narrative:
There are some inquiries on my report that, after contacting the company and trying to get more information and remove the questions, they were unable/refused to say I had to file an FTC report XXXX I have attached a copy of the Identity Theft report and a copy of my ID. The fraudulent accounts are as follows : XXXX XXXX XXXX inquiry on XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX inquiry on XX/XX/XXXX ; XXXX XXXXXXXX XXXX inquiry on XX/XX/XXXX ; XXXX XXXX inquiry on XX/XX/XXXX. The only thing that makes sense is someone at the lending company misused my info because I was pre-approved when I purchased my home, so I never gave my info to have them check for financing. When I called the lender, they confirmed they never tried to run my credit because I had a pre-approval covering the home 's cost. With that being said, the inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency. The inquiry was not authorized. Did not consent to unauthorized inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Please thoroughly investigate this matter and promptly rectify this error by removing the unauthorized inquiry from my credit report. Your urgent attention to this issue is highly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Halsted Financial Services, LLC.
State: MS

Complaint narrative:
XXXX, your account with XXXXXXXX XXXX XXXX  XXXX. has been approved for 20 % off! 
View Account Details How this will effect my credit report? 
Choose your option below : Pay {$540.00} in up to XXXX payments 20 % off, that's a savings of {$130.00}! 
Most Popular One time payment of {$670.00} On total balance of {$670.00} Pay {$670.00} in up to XXXX payments XXXX XXXX XXXX XXXX XXXX XXXX company name Research shows they dont have authorization to collection a debt in Mississippi Also I would like this information. Cleared from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas, XXXX XX/XX/2023 Dear Credit Bureau, I, XXXX XXXX XXXX, have written this letter to dispute an account that are falsely listed on my credit report with your bureau. I have no knowledge of the following account and it is inaccurately listed on my credit report. According to the Fair Credit Reporting Act, legally the following inaccurate items must be removed. I have already contacted the company, and they do not have any information reflecting on my file. 

The following late payment must be removed immediately : Creditor Name : XXXX XXXX XXXX ( XXXX ) Type of Business : Debt Collector Account Number on Credit Report : XXXX I HAVE NO KNOWLEDGE OF THESE CREDITOR OR ACCOUNT WITH XXXX. IT IS FRAUDLENT AND INCORRECTLY REPORTING, AND I AM REQUESTING THAT THE ACCOUNT REMOVED IMMEDIATELY. 

This is my official request to have the aforementioned items to be deleted off 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 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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 have never had an account with XXXXXXXX XXXX. I have told them and there collection agency this as well I have asked them to show me where I agreed to them issuing me an account at my request and have shown them that they never had title to my debt. 
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. 

XXXXXXXX XXXX account XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My name is XXXX XXXX. My credit score drop with Trans Union XXXX points and it dropped with XXXX XXXX points. I just noticed that my alert on my credit file stated that a new collection was placed on my account. I have never heard of the company called XXXX XXXX XXXX. But XXXX and Trans Union allow this company to place this on my consumer credit file. I have not received one correspondence by mail nor phone call. This is very stressful and overwhelming which causes anxiety. Attached you will find copies of what was on my Consumer file. Please remove. I have no idea about this company and I have never had an agreement. 

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

I WAS NEVER GAVE WRITTEN INSTRUCTIONS REGARDING ANY OF THE SAID ITEMS TO BE PUT ON MY CONSUMER REPORT. 

15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector all the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt I NEVER CONSENTED TO THE DEBT COLLECTOR TO COMMUNICATE WITH ME 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer report and agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person should not furnish any information relating to a consumer to any consumer reporting agency if the person knows our has reasonable cause to believe that the information is inaccurate.

I HAVE UPLOADED THE ALLEGED DEBT AND DISCREPANCIES.

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 2023-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southern Credit Recovery, Inc.
State: LA

Complaint narrative:
I have mailed & faxed 2 separate requests ; one for validation/verification and one for a demand for proof to substantiate the claim made by Southern Credit Recovery . I am in receipt of Southern Credit Recovery 's letter informing me that they are handling the " collection '' of the account # XXXX for {$1500.00}. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between Southern Credit Recovery & myself, legally listing you/your company as a person/company entitled to enforce a commercial claim against me. I mailed a letter demanding verification and validation. This was a demand for proof of contract to substantiate Southern Credit Recovery 's claim. I legally demanded you/your company to provide me with a certified copy of an original contract, BEARING MY WET SIGNATURE, specifically naming the above company as a person entitled to enforce a commercial claim against me. My legally demanded requested information was ignored and Southern Credit Recovery continues to report this fraudulent ( on Southern Credit Recovery 's behalf ) and unverifiable item on my XXXX, XXXX and XXXX reports. Furthermore, as stated in XXXX XXXX XXXX 's letter, this is a " medical account ''. Therefore, this is a violation of my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am not familiar with the inquiries mentioned, and I kindly request that you address this matter promptly.

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 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I had an account with XXXX  XXXX XXXX I had money issues due the economic collapse of the real estate market last spring. I contracted XXXX on XX/XX/2022 to pay off my account. They told me they submitted the account to XXXX XXXX XXXX, a collection agency. I had not received any notification from XXXX and I was out of the state as well. XXXX gave me their information. I called XXXX and made the full payment with my check card. They told me my account would be updated on my credit report. It never has been. XXXX continues to update it as debt owed for the full balance that I paid, it is a bad debt. I have disputed this with the credit bureaus numerous times over this past year. Now that I'm looking to move XXXX miles away, I am being denied an apartment due to this appearing incorrectly as a charge off unpaid on my credit report. I have tried to dispute it through their credit reporting company and it is coming back the same way.

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 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I had an account with XXXX  XXXX XXXX I had money issues due the economic collapse of the real estate market last spring. I contracted XXXX on XX/XX/2022 to pay off my account. They told me they submitted the account to XXXX XXXX XXXX, a collection agency. I had not received any notification from XXXX and I was out of the state as well. XXXX gave me their information. I called XXXX and made the full payment with my check card. They told me my account would be updated on my credit report. It never has been. XXXX continues to update it as debt owed for the full balance that I paid, it is a bad debt. I have disputed this with the credit bureaus numerous times over this past year. Now that I'm looking to move XXXX miles away, I am being denied an apartment due to this appearing incorrectly as a charge off unpaid on my credit report. I have tried to dispute it through their credit reporting company and it is coming back the same way.

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 2023-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I implore you to take immediate action to update my account. I have consistently made timely payments in the past, and it is unfair for me to be penalized for something that is not my fault. This situation is causing me a great deal of XXXX, and I kindly request that you address it promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, 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:
I received a copy of my credit report and see unrecognized inquiries on my report. I have not applied for credit with these companies and contacted the bureau to address this issue. 
On XX/XX/2023 XXXX, XXXX, XXXX XXXX XXXX, XXXX TX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX UT, XXXX, XXXX, XXXX & XXXX all inquired about my report. I do not have any knowledge of these inquiries. Under title 15 USC 1681 ( i ) I would like these investigated for accuracy and authenticity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I implore you to take immediate action to update my account. I have consistently made timely payments in the past, and it is unfair for me to be penalized for something that is not my fault. This situation is causing me a great deal of XXXX, and I kindly request that you address it promptly.

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 2023-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/XXXX, I purchased an item for {$1200.00} from a private seller using paypal 's " goods and services '' service, which promises protections from scams and fraud. Immediately after the transaction, a dispute was opened under my account claiming that the item had not been delivered. The dispute was closed XXXX minutes later. I did not file this dispute. It is my belief that the seller exploited a security flaw in paypal and posed as me while opening and closing the dispute ; I have no way to prove that, but I know that I didn't open it. 

The seller provided me with a tracking number with a delivery date of XX/XX/XXXX ; though the tracking number shows the item as delivered, no package arrived. When I contacted the seller, he blocked me and deleted the listing. 

I then contacted paypal and tried to file a dispute. After XXXX weeks and nearly XXXX hours on the phone, I've been told that as the initial dispute was already closed, another dispute can not be opened and that once a dispute is closed no protections apply. This despite the fact that the initial dispute was only opened and closed due to a paypal security flaw. When I explained this to the fraud department, I was told that their internal records showed that the dispute had been opened from my account, and that nothing could be done.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, 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 kindly request you to thoroughly investigate the situation and expedite the removal of these unauthorized accounts from my credit report as soon as possible. Your urgent attention to this matter is greatly appreciated.

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 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, 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 kindly request you to thoroughly investigate the situation and expedite the removal of these unauthorized accounts from my credit report as soon as possible. Your urgent attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
I am writing to dispute several accounts on my credit report in accordance with the fair credit reporting act the following accounts : XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX, SC XXXX phone number ( XXXX ) XXXX. 
XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX phone number XXXX. XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX phone number XXXX. XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX phone number ( XXXX ) XXXX, has violated my rights. 15 U.S.C 1681 section 602A states i have the right to privacy. 15 U.S.C 1681 section 604A section 2. It also states a consumer reporting agency can not furnished a account without my written instructions.

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 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to dispute several accounts on my credit report in accordance with the fair credit reporting act the following accounts : XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX, SC XXXX phone number ( XXXX ) XXXX. 
XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX phone number XXXX. XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX phone number XXXXXXXX XXXX  XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX phone number ( XXXX ) XXXX, has violated my rights. 15 U.S.C 1681 section 602A states i have the right to privacy. 15 U.S.C 1681 section 604A section 2. It also states a consumer reporting agency can not furnished a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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:
On XX/XX/XXXX I wrote to experian with the attached letter, They have not responded nor corrected any of the inaccuracy that I have pointed out. 

In accordance with the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX # XXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation