vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: KLS Financial Services, Inc
State: NC

Complaint narrative:
i saw a collection notice on my credit report and i called to make enquries and i was ask to pay certain amout before any infomation will be given to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 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:
Subject : Dispute of Inaccurate and Derogatory Accounts on My Credit Report I am writing to formally dispute derogatory account information that is currently appearing on my TransUnion credit report. I have verified that these accounts should not be reporting because the companies associated with these derogatory entries are not the rightful owners of the debts, nor do they have any legitimate claim to continue reporting on my TransUnion credit report. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, credit reporting agencies are required to ensure the accuracy and completeness of the information that they report. Any information that can not be verified as accurate or that is being reported by entities that do not own the debt must be promptly corrected or deleted. 

The following accounts are inaccurately reporting on my TransUnion credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX According to 15 U.S.C. 1681s-2 ( b ), furnishers of information are required to report accurate information and update it as needed. If the information is incorrect or if the furnisher does not have ownership of the debt, the information must be removed. These accounts are not owned by the companies reporting them, and thus, they must be removed from my credit report immediately.

Please conduct a thorough investigation of these accounts, as required under 15 U.S.C. 1681i, and delete or correct the disputed entries within the 30-day period required by law. Additionally, please provide me with a copy of my updated credit report reflecting the corrections, and notify any other consumer reporting agencies to whom you have furnished this information of the necessary changes.

Enclosed, please find copies of my identification, proof of address, and any additional supporting documentation. I appreciate your prompt attention to this matter and expect a timely resolution in compliance with federal law. 

Thank you for your cooperation. 

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 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MoneyLion Inc.
State: FL

Complaint narrative:
Hello, My name is XXXX XXXX XXXX, XXXX. I currently reside at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, which is in XXXX XXXX XXXX I am writing this complaint as a Notice of a request for material disclosures, which were not delivered to XXXX XXXX XXXX, XXXX. This information was omitted, and is now being requested. I, XXXX XXXX XXXX, Consumer, am requesting the XXXX form that was used to verify the identity of XXXX XXXX XXXX XXXX and a copy of the XXXX form. XXXX XXXX XXXX, is furnishing inaccurate information onto the consumer reports of XXXX XXXX XXXX, severely oppressing and harming the financial reputation of said XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 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: WI

Complaint narrative:
Upon reviewing my consumers report I noticed that there were multiple inquires that were listed that didn't belong to me. I've never applied for anything with these companies, nor have I ever even heard of them. Here are the inquires 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 response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 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: LA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX : ** Discrepancy in Credit Report and Unchanged credit score I am writing to bring to your attention a concerning issue with my credit report and credit score that I have observed across the three major credit bureausTransUnion, XXXX, and XXXX XXXX 

Despite making multiple on-time payments on my credit cards, my credit score has remained unchanged. This situation is perplexing as I have consistently managed my credit responsibly and expected my credit score to reflect these efforts. 

Additionally, I have a tradeline reported by a company named XXXX, which, according to TransUnion, has been successfully reported. However, there seems to be a disconnect, as my credit score has not reflected any change. TransUnion provided me with a case number for this issue : XXXX. 

I kindly request that you look into this matter as soon as possible. It is important that my credit report accurately reflects my financial activities, and any discrepancies be addressed promptly. 

Please let me know if there is any additional information you require from my end to resolve this issue. I appreciate your prompt attention to this matter and look forward to your response. 

Thank you for your assistance. 

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 explanation
Consumer complaint received 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Transunion website is not functional can not reset passwords and no one ever answers the phone and chat

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-27 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: WI

Complaint narrative:
After the newest social security breach I checked my three credit bureaus to confirm my safe status. Transunion credit report showed a hard credit report inquiry on XX/XX/year> from XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX and phone number XXXX. I talked at length with Transunion credit Bureau and they confirmed the hard inquiry and suggested I report to FTC. My inquiry led to you due to this being a credit report type of issue. I tried the phone number for XXXX and learned they have no outbound calling. I attempted to send an email to discover no such email address exists. When I tried to verify the company in my computer it warned me this site was unsafe. As I was informed by the credit bureau when a credit report inquiry occurs it cant easily be removed. The substantial data shared in a hard inquiry is available now to a company Ive never heard of, have an my business or affiliation to. I have no idea how my data is being used or how to protect my future. I am hopeful the company can be discovered for resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: CA

Complaint narrative:
Back in XXXX XXXX we decided to switch our family cell phone plan from XXXX to XXXX XXXX XXXX. We paid in full our last bill and switch to XXXX XXXX XXXX. On XXXX, our company account was debited {$420.00} without our permission and without an explanation-of charges. We called our bank ( XXXX XXXX XXXX XXXX ) and disputed the charges. On XX/XX/XXXX another debit of {$1000.00} was debited with out explanation or permission from us. We also disputed this charge again. Every time we call XXXX to discuss the issue, their representative will inform us that we don't have an account with them. On XX/XX/XXXX we received a bill for unpaid balance of {$1000.00}. I reach out to XXXX and asked to explain why. The invoice from XXXX came in without explanation just unpaid balance. XXXX didn't provide any explanation for their invoice. The following week XXXX hit my credit and sold my information to a debit collector XXXX, XXXX XXXX  XXXX. We wrote to the company and explain the situation and tried to solve the issue. We ask to send us a bill of {$420.00} that we agreed upon and settle and close the dispute. We never heard back from this company again. All documentation are available upon request. 
On XX/XX/XXXX, we received an email from XXXX for one time offer XXXX % savings off the balance we currently owe to be paid before XX/XX/XXXX. We did except the offer and paid the amount of {$520.00} and XXXX remove the dispute on my credit report. 
On XXXX XXXX I received an email from XXXX letting me know that my credit was hit with XXXX point down for delinquent payments. I went on line to check. A company by the name of Jefferson Capital System in XXXX claims I own them {$520.00}. I asked them how did you get my informations. I was told that they bought XXXX debit. 
I explain that our bills with XXXX was closed paid on XX/XX/XXXX and I don't have an open account with them. They still insisted that I have to pay this amount and told me it will hurt my credit. I called XXXX immediately and explain my situation. I was informed that either XXXX didn't close my account after getting paid and still sold my information to a debit collector again. XXXX will investigate and clean my credit. WE are a small Business owners and Credit is very important for the health of our daily operation. I hope this never happens to anyone. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 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: FL

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc.
State: VA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I have been working with Portfolio Recovery for sometime now in trying to resolve a debt from a company named XXXX who had charged an amount under my identity. This debt was a result of identity theft and as a result the case was disputed and dismissed in my favor and the garnishment was to be released. I was informed that the funds that had already been garnished was going to return led back to me and the account would closed. In my communication with Portfolio Recovery they have been unprofessional in handling this manner and have not resolved my concern in stoping my employer from garnishing my wages despite them already informing me that the garnishment has been released. Every time I try to make contact with Portfolio Recovery and their representatives including their team of supervisors, they do not know how to resolve this issue stating they would follow up and never do. Upon making contact with the several times, their interaction with me has been unprofessional such as laughing while on the phone with me, load background noise that sounds like theyre at home with friends in the background and they are very dismissive regarding this issue. I last made contact with them today ( XX/XX/2024 ) and I was on hold for almost two hours to speak to a supervisor. The representative informed me that the supervisor had to walk over to her to speak to me which never happened. I had to hang up because it seemed as if they are doing this purposely in not trying to resolve this concern to stop the garnishment of my wage for several months now. They have not provided me or my employer with any information to end this garnishment and have yet to refund me the amount that was wrongly in debt under my name. Every other time I had made contact with this unprofessional financial company, the response to my inquiry is different than the last, which makes me think these are not professional employees resolving this serious situation or lack training. It is not fair to myself that I cant reach a single individual including a supervisor in this company who can assist me and continue to say anything to rush me off the phone. The company has not done anything as of today to resolve my complaint nor to provide me with any valuable information to follow up on as they report they dont know whats going on. They report there is no one higher up other than the supervisors that I can speak to which is concerning. The supervisors I have last spoken to are XXXX XXXX and XXXX XXXX. They also report that they dont know who would refund me the funds that they have garnished. How does a financial company collecting a debt not have this basic information?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: TX

Complaint narrative:
After sending a lot of Dispute Letters regarding the BANKRUPTCY on my account, it still reporting on my credit report. It is hurting my credit score so much. This BANKRUPTCY is NOT mine. Please REMOVE it from my credit report IMMEDIATELY! I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID, Proof of Address with my most recent billandSSNCard.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 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:
My account with those creditors was never late! I have had exceptional payment history witH XXXX  XXXX 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 in those account to be removed.

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.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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!

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-27 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:
I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving 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 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have requested several times but received an annual consumer report from you this year. Therefore, I understand that I can receive my consumer record at no cost. My full name and mailing address are above. I am attaching a copy of my ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have requested several times but received an annual consumer report from you this year. Therefore, I understand that I can receive my consumer record at no cost. My full name and mailing address are above. I am attaching a copy of my ID.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 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: TX

Complaint narrative:
The personal information on my credit report is incorrect. I have included my documents so you can update it. Please correct and update my personal information as soon as possible.

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