vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX  ACCOUNT # XXXX AMOUNT {$680.00} XXXX  XXXX XXXX  RAN THIS ENTIRE BALANCE AS A LOSS, IT SHOULD NOT HAVE BEEN SOLD TO A THIRD PARTY COLLECTION AGENCY TO BE COLLECT. 

THIS ACCOUNT IS RAN OFF AS A CHARGE OFF AND I NEVER RECEIVBED A 1099-C CANCELLATION FORM FROM THEM AND BECAUSE OFTHAT THIS ACCOUNT IS NOT ACCURATE AND SHOULD SHOW A XXXX BALANCE.

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 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXXXXXX XXXX  ACCOUNT # XXXX AMOUNT {$680.00} XXXX XXXX XXXX RAN THIS ENTIRE BALANCE AS A LOSS, IT SHOULD NOT HAVE BEEN SOLD TO A THIRD PARTY COLLECTION AGENCY TO BE COLLECT. 

THIS ACCOUNT IS RAN OFF AS A CHARGE OFF AND I NEVER RECEIVBED A 1099-C CANCELLATION FORM FROM THEM AND BECAUSE OFTHAT THIS ACCOUNT IS NOT ACCURATE AND SHOULD SHOW A XXXX  BALANCE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I would like this item investigated l. The inaccuracies are highly injurious to my credit score. 
Account XXXX XXXX In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, section 611, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up. Please send me an updated copy of credit report after your investigation. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 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 id theft victim. i am disputing the following accounts. please see the attached id theft reports

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 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Failure to Comply with Cease and Desist Letter Under 15 U.S.C. 1692 ( c ) of the FDCPA I am submitting this complaint because I sent a cease and desist letter to [ Debt Collector/Agency Name ] under 15 U.S.C. 1692 ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), requesting that all communications regarding disputed accounts cease. Despite this, the accounts in question are still being reported on my credit report, which I believe violates my rights under the FDCPA and possibly the Fair Credit Reporting Act ( FCRA ).

The accounts are inaccurate and should not be included on my credit report. I have taken the following actions : Sent the cease and desist letter on XXXX via certified mail to ensure receipt. 
Included specific disputes about the accounts and provided all necessary supporting documentation. 
To date, these accounts remain on my credit report, which has caused continued harm to my credit standing and financial well-being. I believe this is a violation of both my right to have accurate credit reporting and to limit communications about disputed debts. 

I am requesting that the CFPB investigate this matter and take appropriate action to ensure the collector complies with the FDCPA and that the inaccurate accounts are promptly removed from my credit report.

Thank you for your assistance.

Additional Information : Debt Collector/Agency Name : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: OH

Complaint narrative:
Failure to Comply with Cease and Desist Letter Under 15 U.S.C. 1692 ( c ) of the FDCPA I am submitting this complaint because I sent a cease and desist letter to [ Debt Collector/Agency Name ] under 15 U.S.C. 1692 ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), requesting that all communications regarding disputed accounts cease. Despite this, the accounts in question are still being reported on my credit report, which I believe violates my rights under the FDCPA and possibly the Fair Credit Reporting Act ( FCRA ).

The accounts are inaccurate and should not be included on my credit report. I have taken the following actions : Sent the cease and desist letter on XXXX via certified mail to ensure receipt. 
Included specific disputes about the accounts and provided all necessary supporting documentation. 
To date, these accounts remain on my credit report, which has caused continued harm to my credit standing and financial well-being. I believe this is a violation of both my right to have accurate credit reporting and to limit communications about disputed debts. 

I am requesting that the CFPB investigate this matter and take appropriate action to ensure the collector complies with the FDCPA and that the inaccurate accounts are promptly removed from my credit report. 

Thank you for your assistance. 

Additional Information : Debt Collector/Agency Name : 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 2024-12-16 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: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
I have emailed Aidvantage countless times to try to understand my repayment schedule. For months I was told two loans ( out of my four ) were due this XXXX. I received and I paid it this month. However, they allocated the money to the two loans that have the lowest interest rates, which should not have been the case. One of them should have been my second highest interest rate loan. They are taking advantage of me and just allocating money to the loans that wont make them as much money going forward. They need to correct this. This company shouldnt be in charge of anyones financial information as time and time again theyve showed me their incompetence and complete disregard to how loans are handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 non-monetary relief
Consumer complaint received 2024-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Credit Corp Solutions Inc.
State: OH

Complaint narrative:
My Ex hade been using my credit to apply for credit cards whiteout my knowledge for years he just told me a after I called the police credit cards he opened and used under my name XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THE ONLY CORRECT ADDRESS I GOT IS XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX Also

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: MI

Complaint narrative:
I just recently looked at my credit report XXXX i also attached evidence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This inquiry has no permissible purpose to be on my report delete this inquiry due to violation of 15 USC 1681b

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 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX ACCOUNT # XXXX XX/XX/year> AMOUNT {$XXXX} XXXX RAN OFF THIS ACCOUNT AS A LOSS ( CHARGE OFF ), IT SHOULD HAVE NOT BEEN SOLD TO A THIRD PARTY COLLECTION AGENCY TO BE COLLECTED THIS ACCOUNT IS RAN OFF AS A CHARGE OFF AND I NEVER RECIVED A XXXX CANCELLATION FORM FROM THEM AND BECAUSE OF THIS ACCOUNT IS NOT ACCURATE AND IR SHOULD SHOW A XXXX BALANCE.

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 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX ACCOUNT # XXXX XX/XX/year> AMOUNT {$XXXX} XXXX RAN OFF THIS ACCOUNT AS A LOSS ( CHARGE OFF ), IT SHOULD HAVE NOT BEEN SOLD TO A THIRD PARTY COLLECTION AGENCY TO BE COLLECTED THIS ACCOUNT IS RAN OFF AS A CHARGE OFF AND I NEVER RECIVED A XXXX CANCELLATION FORM FROM THEM AND BECAUSE OF THIS ACCOUNT IS NOT ACCURATE AND IR SHOULD SHOW A XXXX BALANCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX which falls under trafficking according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-12-16 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: IN

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 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: IN

Complaint narrative:
Please delete these fraudulent accounts from my credit report, as I did not authorize their creation. Kindly correct this mistake.

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 2024-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Subject : Dispute of Late Payments and Privacy Violations I am writing to formally dispute inaccuracies on my credit report as provided by XXXX, XXXX, and Transunion. Specifically, I have identified incorrect late payment entries that are both inaccurate and unjustified. 

Incorrect Late Payments : The reported late payments are inaccurate. I have consistently fulfilled my financial obligations, and these entries are damaging to my credit profile. 

XXXX XXXX XXXX - XX/XX/year> - PAID IN FULL - CLOSED XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/year>, XX/XX/year>, XXXX XXXX CLOSED Furthermore, I am deeply concerned about the recent XXXX data breach XXXX in which my private and sensitive information was exposed without my consent. This constitutes a violation of my privacy rights under the Fair Credit Reporting Act ( FCRA ). I expect XXXX to take full accountability for safeguarding my personal information and to rectify any misuse that has resulted from this exposure.

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 2024-12-16 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: NJ

Complaint narrative:
Subject : Dispute of Late Payments and Privacy Violations I am writing to formally dispute inaccuracies on my credit report as provided by XXXX, Experian, and XXXX. Specifically, I have identified incorrect late payment entries that are both inaccurate and unjustified. 

Incorrect Late Payments : The reported late payments are inaccurate. I have consistently fulfilled my financial obligations, and these entries are damaging to my credit profile. 

XXXX XXXX XXXX - XX/XX/year> - PAID IN FULL - XXXX  XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/year>, XX/XX/year>, XXXX XXXX CLOSED Furthermore, I am deeply concerned about the recent XXXX data breach XXXX in which my private and sensitive information was exposed without my consent. This constitutes a violation of my privacy rights under the Fair Credit Reporting Act ( FCRA ). I expect XXXX to take full accountability for safeguarding my personal information and to rectify any misuse that has resulted from this exposure.

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 2024-12-16 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:
I have no affiliation with these creditors and did not initiate these inquiries. Kindly proceed to promptly remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
ON XX/XX/2024 I RECEIVED A LETTER FROM 2 COLLECTIONS COMPANIES WORKING AS ONE ABOUT A DEBT OBLIGATION THAT IS OWED TO THE DEBT COLLECTION COMPANY LVNV AND RESURGENT CAPITAL SERVICES.I RESPONDED VIA CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX XXXX WITH A CEASE AND DESIST LETTER UNDER 15 USC 1692c ( C ). I OUTLINE A COMPLETE CEAS AND DESIST OF ALL COMMUNICATIONS AND COLLECTION ATTEMPTS CONCERNING THIS DEBT / ALOND WITH A REFUSAL TO PAY. FAST FORWARD TO XX/XX/2024, I START RECEIVING ELECTRONIC COMMUNICATIONS OF COLLECTION ATTEMPTS ALONG WITH UNAUTHORIZED ACCESS TO PERSONAL CONSUMER FINANCIAL REPORTS WITHOUT PERMISSIBLE PURPOSE OR MY CONSENT. I OUTLINE AND EXERCISED MY RIGHTS UNDER 15 USC 1692c ( C ) CLEARLY WHICH LVNV AND RESURGENT CAPITAL SERVICES VIOLATED.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 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: CO

Complaint narrative:
I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 


Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, Stevenson v. TRW ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-12-16 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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