vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-29 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: MD

Complaint narrative:
According to FCRA 605B, we're supposed to get rid of incorrect accounts from reports. Can you check the documents? The accounts listed on my report are wrong, and it's making me feel restless.

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 2024-02-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have consistently made timely payments on this account and have never been late. I'm puzzled by the reports of late payment remarks on my accounts.

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 2024-02-29 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: GA

Complaint narrative:
I believe FCRA 605B means we need to remove any wrong accounts from my credit report. Can you please look at the documents? Some of the accounts listed are wrong, and it's making me feel uneasy.

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 2024-02-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: AES/PHEAA
State: TX

Complaint narrative:
I can not currently pay my student loans and I reached out to AES for a forbearance. I applied online on XX/XX/year>. 

XX/XX/year> 11 minutes not including hold time - received verbal approval for forebearance. 
Calls from AES continue during this time XX/XX/year> XXXX minutes not including hold time - After seeing this was not reflected on my account, I called back. Received another verbal approval for forebearance Calls from AES continue during this time XX/XX/year> XXXX minutes not including hold time - Followed up again, because verbal forebearance was not reflected in account, nor was the payment my mother made on the account. AES continues to call and harass for payment. I was once again assured the forbearance was approved. It is at 34 days past due and they said they would report this to credit agencies. 

These do not include calls and time spent by my mother, who is the cosignor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
On XX/XX/24 Ive noticed on my credit report a debt collection, I have no idea was open under my name and social. The name of the company is LVNV Funding LLC, XXXX SC, XXXX, they are collecting for XXXX XXXX for {$830.00} dollars. I contact them and was told to file a complaint online before removing this debt off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: OH

Complaint narrative:
These accounts were illegally opened in my name without my consent or knowledge. I have tried to contact these companies multiple times to no avail. Please REMOVE these IILEGAL items off my credit report. Thank You! 

XXXX XXXXXXXX XXXX Balance {$140.00} Acct Number XXXX Date opened XXXX XXXX XXXX XXXX XXXX Balance {$150.00} Acct Number -- - Date opened XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX Balance {$57.00} Acct Number XXXX Date opened XX/XX/year>XXXX XXXX XXXX XXXX  Balance {$13.00} Acct Number XXXXXXXX Date opened XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Year XXXX XXXXXXXX I called them to have them correct the reporting they said they couldnt do anything. I told them the representatives told when setup agreement that they would make any late payment report as on time. They said they couldnt do anything once the agreement was met.

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 2024-02-29 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: IL

Complaint narrative:
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.

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 a 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 non-monetary relief
Consumer complaint received 2024-02-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On Thursday XX/XX/XXXX I went to a local chase bank on XXXX XXXX XXXX, XXXX, TX XXXX. I asked on of the banker if it was okay to deposit a third party check that belong to my cousin due tho his id being stolen. The banker told me there would be no issue and I continued to deposit it. A couple day later they restricted my account. They said my cousin had to verify his identity With phone number. For some reason their systems were not up to date. They told me his name was not appearing under the phone number. He called XXXX and they told him that his number was registered under his name and cleared any previous owners. They said it still wasnt showing up. After going back and forth with them now they said its no longer his number they need to verify check. We have went to the bank in person me and the person the check was made out both with 2 forms of id and they said there is nothing they can. They have been giving me the run around with every representative telling me something different. Now they are telling me they might close my account. The check was a tax refund check from refund advantage.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: ME

Complaint narrative:
I have multiple medical collections on my report where it's older then 7yrs and has been sold numous times and the credit reporting company refuses to remove it from my report and just say nothing changed

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 2024-02-29 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: ME

Complaint narrative:
I have multiple medical collections on my report where it's older then 7yrs and has been sold numous times and the credit reporting company refuses to remove it from my report and just say nothing changed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 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: IL

Complaint narrative:
I kindly request the immediate removal of this inquiry from my credit report, as it is not associated with me, and I have no affiliation with the involved creditors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 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: MI

Complaint narrative:
TransUnion is in violation of multiple laws set forth by Congress regarding the following accounts shown below. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( financial institutions ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( 1 ) ( A ) states that A person ( financial institutions ) shall not furnish any information relating to a consumer ( Me ) to any consumer reporting agency ( TransUnion ) if the person knows or has reasonable cause to believe that the information is inaccurate. Financial Institutions can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! The IRS Clearly says a Cancelled debt or charge off is income. The reporting of these accounts as debt is inaccurate. I never received a 1099-C from these Financial institutions for the cancelled debt of these accounts in order to file as ordinary income. Where is my 1099-C as required by the IRS. This is unsatisfactory. These financial institutions terms and conditions, they agreed not to share my information with non-affiliates. Pursuant to 15 USC 1681b TransUnion need my written consent to furnish any information, which I never give them authorization to do so. Pursuant to federal law this is considered identity theft. Pursuant to 15 U.S. Code 1681 ( a ) Accuracy and Fairness of credit reporting. These pictures show the inaccurate and unfair credit reporting methods which TransUnion is using to undermine my general reputation as a consumer. Pursuant to 15 U.S. Code 1681n Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of {$1000.00} per violation. Below you can see proof of my complaint. Please promptly delete these accounts. XXXX XXXX : Account XXXX XXXX  : Account XXXX XXXX : Account 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 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : 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 2024-02-29 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX Amount : {$2400.00} The account holder should provide the original instrument of debt with signature that I am a debtee of theirs and I have not received any proof. 15 USC 1681 Section 602A states I have the right to privacy and according to 15 USC 1681eb, they are supposed to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. Because I do not owe XXXX XXXX XXXX XXXX and have never signed a contract of agreement to debt with them specifically, the debt should be removed immediately from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX Amount : {$2400.00} The account holder should provide the original instrument of debt with signature that I am a debtee of theirs and I have not received any proof. 15 USC 1681 Section 602A states I have the right to privacy and according to 15 USC 1681eb, they are supposed to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. Because I do not owe XXXX XXXX XXXX XXXX and have never signed a contract of agreement to debt with them specifically, the debt should be removed immediately 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 2024-02-29 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: Marlette Funding, LLC
State: CO

Complaint narrative:
The account appearing on my credit report is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported in my consumer report. I am requesting that the reporting of this information be deleted. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX  ACCT NUMBER : XXXX DATE : XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit Plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: CA

Complaint narrative:
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.

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 a 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 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: MI

Complaint narrative:
I was alerted to a new hard credit inquiry on my credit report, lowering my credit score. It showed it was from XXXX XXXX XXXX. I contacted the bank and the person I spoke to asked me to provide a number associated with an account to look it up. I stated I did not have that. I was transferred to the fraud department where they attempted to find the inquiry but found nothing. It is now showing on both my transunion and my XXXX 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 explanation
Consumer complaint received 2024-02-29 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: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
I was alerted to a new hard credit inquiry on my credit report, lowering my credit score. It showed it was from barclays bank delaware. I contacted the bank and the person I spoke to asked me to provide a number associated with an account to look it up. I stated I did not have that. I was transferred to the fraud department where they attempted to find the inquiry but found nothing. It is now showing on both my XXXX  and my XXXX  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 explanation
Consumer complaint received 2024-02-29 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: Resurgent Capital Services L.P.
State: KY

Complaint narrative:
LVNV Funding LLC Reference # XXXX. 

I have been notified that my identity had been compromised due to the XXXX data breech. 

I noticed a collection account from Resurgent / LVNV Funding LLC via XXXX XXXX. I have never had a XXXX XXXX  account and XXXX XXXX  is not reporting in my credit file. Resurgent / LVNV Funding LLC has sent me three letters dated : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. 

I sent certified mail ( Document attached, Resurgent.pdf ; Page 1 ) that was signed for XX/XX/XXXX. I filled out the form Resurgent / LVNV Funding LLC asked me to fill out ( Document attached, Resurgent.pdf ; Page 4 ), Resurgent / LVNV Funding LLC asked for a notarized copy of their document ( Document attached, Resurgent.pdf ; Page 5 ). 

( Document attached, Resurgent.pdf ; Page 6 ) shows a copy of a XXXX XXXX  statement addressed to XXXX XXXX ( Not my legal name ) with an address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I have never lived in XXXX. This is a fraudulent address, on a fraudulent account. This address is not on my credit profile. This collection account needs to be removed as it does not belong to me. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: GA

Complaint narrative:
I believe FCRA 605B means we need to remove any wrong accounts from my credit report. Can you please look at the documents? Some of the accounts listed are wrong, and it's making me feel uneasy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I demand the removal of this late payment from my account as it does not accurately represent my payment history. I have diligently made timely payments, and it's unfair to be penalized with this erroneous entry. Please update my account promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 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: CT

Complaint narrative:
I have sent multiple disputes to Experian about a alleged collection account on my credit report from XXXX XXXX XXXX, I have been disputing this for the past two years both with Experian and XXXX Directly. I have sent numerous certified letters to XXXX directly to validate the debt and they have not. They are in clear violation of the FCRA and FDCPA. But Experian chooses to still validate the debt as correct. If this debt was correct XXXX should have in the past two years given me the proof I have asked for, they have not. When disputed with XXXX and XXXX they removed this immediately.

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