vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-03 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: TN

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2024-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-06-03 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: PA

Complaint narrative:
Under FCRA 605B, inaccurate accounts must be deleted from my credit report. This account is incorrectly listed and should be removed from my file. I should receive {$1000.00} for each erroneous report on my credit file.

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 2024-06-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
i received a notice saying my mortgage payment was going up, but it did not say exactly why. That is when I called them and they said it was for my taxes. I told them I had summitted a letter from the county for an exemption. Freedom reps said they would handle it but it will take some time to get another letter from the county. Freedom Mortgage company bought my loan and they was suppose to give me 45 days, they told me I was behind. So I paid

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 2024-06-03 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:
Please see attached, I'm a victim of identy. Please see attached FTC report. 

XXXX XXXX  IS THE PERSON BELIEVED TO HAVE STOLEN MY IDENTY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 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: TX

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION.

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 2024-06-03 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:
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. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 2024-06-03 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: FL

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. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 2024-06-03 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: IL

Complaint narrative:
I am seeing companies being reported on my credit report that I did not open. I have sent correspondences to the credit reporting agencies but have only XXXX have removed the accounts. Experian and XXXX have not removed the accounts thus far.

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 2024-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am writing to file a complaint regarding fraudulent activity on a joint company account in which I am listed. The account details are as follows : Financial Institution : XXXX Account Number : XXXX ( I am not an authorized signatory on this account ) I have reason to believe my employer has engaged in fraudulent activity by adding my name to this account without my knowledge or consent. I have never authorized the opening of this account nor any of the listed transactions. 

Other creditors accounts need removed : Creditor : 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 ( Amount Unknown ) I request that the CFPB investigate this matter and take appropriate action to : Remove my name from this unauthorized account. 
Ensure that I am not held liable for any fraudulent charges. 
Assist me in recovering any funds that may have been withdrawn from the account without my authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-03 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:
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.

has violated my rights. Or a list of inquiries : 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 2024-06-03 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:
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.

has violated my rights. Or a list of inquiries : 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 2024-06-03 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I vacated XXXX XXXX XXXX apartment ( XXXX, TX ), property owned by XXXX XXXX XXXX last year XX/XX/year> without any issues or outstanding balance at that point in time and eventually in XX/XX/year> they sent me a bill with various line items stating that I owe them {$630.00}. Below breakdown for your reference : Additional charges/credits/payments after move-out 2x2 Extra Heavy Clean XXXX 2x2 Standard Carpet Clean XXXX Couch/Chair left at dumpster - Requires bulk pick up XXXX Final Trash ( XXXX ) XXXX Final Utility 9 % Admin Fee ( XXXX ) XXXX Final Water and Sewer Charges- ( XXXX ) XXXX Patio door trim damaged at removal of screen XXXX Trash removal x3 $ XXXXitem XXXX Total additional charges/ credits/ payments XXXX When I asked them for detailed proof for above Extra Heavy clean charges ( {$160.00} ) they sent me invoice document with no date and including line item saying PET treatment ( I never had PET in my apartment during my stay at the apartment ) and PAD expenses. When I asked them to provide explanation they didnt. I also dispute Couch/Chair left at dumpster - Requires bulk pick up expense which seems to be blindly added to my outstanding balance ( I never had couch chairs in my apartment and they also failed to furnish evidence for Couch left at dumpster ). When I asked for pictures/Proof they havent shared with me. This led me to sleepless nights for overcharging for something which I never used. I also cleaned the apartment before vacating and handed over the keys in clean possession to its former property manager and they did not say a word during that point in time. All of the sudden 7 months later they cameup with all this charges. They eventually sent this outstanding balance to DEBT collection company ( Columbia Debt Recovery LLC, dba Genesis ). 

When I spoke to them they also started pressurizing me to make full payment or else they were threatening that they will send it to Credit agencies which will impact my credit score. I request you to take the cognizance and do the needful in resolving the issue. Im happy to make payment for charges like Trash, Utility, StandarXXXX cleaning expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling 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 non-monetary relief
Consumer complaint received 2024-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-03 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: FL

Complaint narrative:
I

n 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. has violated my rights. Or a list of inquiries : 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 2024-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: O&L LAW GROUP, P.L.
State: FL

Complaint narrative:
On XXXX XXXX XXXX after getting my pay check deposited I went to put some gas in my vehicle & noticed my bank account had " 0 '' balance. I contacted XXXX XXXXXXXX XXXX & they told me I have been sued for {$9000.00}. I was in shock because I don't owe nobody & I haven't received any Court order citation. They provided me the name, case # & phone number from the Law firm is suing me & it's as follow : O & L Law Group, Ph : XXXX. They are Located at : XXXX XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX. Since the {$1200.00} was the only money I got in my account, I haven't been able to buy food or move my car. I called this Law firm Today & provided my case #, so they tell me what is this about & they asked me for my Social security number. I realized that this is an scam & didn't give this information. They told me they won't help me if I don't provide my social security number. I look at this case # in Court record & it doesn't exist. I searched for " O & L Law Group '' & there are several complaints on this business reviews about them getting into people 's bank account and unlawfully suing them without previous Court order citation.

I am requesting an investigation on this " O & L Law Group '' unlawful business practice which it is causing mental and financial damages and distress on people. Also, I am requesting they refund my bank account money as soon as possible. I don't have money to eat, put gas on my car. Like me other people have been hurt by this Law firm & if they don't get investigated future damage will be done on others.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX According to XXXX5 U.S. Code 1681c-2 and the FCRA 605B, all of this information must be blocked immediately from the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after the date of receipt. It has been well past that timeframe and you are in violation of these laws because I am a victim of identity theft. Please delete these items immediately until the investigation is completed as they are in violation. 

Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach along with identity theft. All of this is being investigated by the FTC. These accounts should not be furnished on my consumer credit report because they are in violation. Under 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report ANYTHING on my consumer report which directly violates my rights as a federal protected consumer. NO CONSENT is identity theft. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 


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

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 2024-06-03 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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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